Should I invest in LICMF Interval Fund Annual Plan - Series 1 Dividend Option?

We don't give personal investment advice. LICMF Interval Fund Annual Plan - Series 1 Dividend Option is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 13.6%. 5-year CAGR: -0.58%.

LIC

LICMF Interval Fund Annual Plan - Series 1 Dividend Option

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.06%	-9.99%	+10.05	74 / 1129	Q1
1W	+0.15%	-13.04%	+13.18	179 / 1151	Q1
2W	+0.25%	-13.18%	+13.44	167 / 1149	Q1
1M	+0.49%	-13.26%	+13.75	186 / 1137	Q1
3M	+1.39%	-13.15%	+14.54	217 / 1116	Q1
6M	+2.81%	-15.45%	+18.26	285 / 906	Q2
YTD	+0.43%	-15.77%	+16.20	375 / 952	Q2
1Y	+0.90%	-13.09%	+13.99	394 / 820	Q2
2Y	-3.47%	-12.72%	+9.25	363 / 446	Q4
3Y	-0.61%	-11.01%	+10.40	296 / 385	Q4
4Y	-0.11%	-6.52%	+6.41	259 / 339	Q4
5Y	-0.58%	-7.36%	+6.79	259 / 314	Q4
7Y	+0.48%	+2.53%	-2.05	158 / 234	Q3
10Y	—	—	—	—	—
Inception	+0.49%	-13.63%	+14.12	447 / 1199	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2017 YTD	+0.43%	+1.63%	-1.20	72 / 137
2016	-7.85%	+3.02%	-10.87	179 / 181
2015	+5.34%	+2.22%	+3.12	80 / 216
2014	+1.19%	+5.51%	-4.32	149 / 240
2013	-2.35%	-1.95%	-0.39	236 / 276
2012	+0.78%	+1.38%	-0.60	184 / 295
2011	+5.61%	-3.16%	+8.77	89 / 317
2010	-1.65%	-5.78%	+4.13	307 / 377
2009	-3.18%	-12.86%	+9.67	516 / 713
2008	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

-0.09%

105 windows

min -8.4% · max 5.9%

52% positive

3-Year rolling

+0.54%

80 windows

min -1.0% · max 2.4%

63% positive

5-Year rolling

+0.41%

56 windows

min -0.9% · max 2.1%

48% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+0.49%

32 windows

min 0.0% · max 1.4%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

8.26%

3-year · annualised

Sharpe ratio

-0.82

vs risk-free 6.5%

Sortino ratio

-0.84

Downside-only deviation

Max drawdown

-13.59%

May 2016 → May 2016

% positive months

91.7%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Recent NAVs

Date	NAV
30 Nov 2017	₹10.4909
29 Nov 2017	₹10.4842
28 Nov 2017	₹10.4826
27 Nov 2017	₹10.4811
24 Nov 2017	₹10.4769
23 Nov 2017	₹10.4757
22 Nov 2017	₹10.4741
21 Nov 2017	₹10.4724
20 Nov 2017	₹10.4708
17 Nov 2017	₹10.4661

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

LICMF Interval Fund Annual Plan - Series 1 Dividend Option is a Income from LIC (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

LICMF Interval Fund Annual Plan - Series 1 Dividend Option has NAV history starting from 20 May 2008, a track record of about 18 years. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

LICMF Interval Fund Annual Plan - Series 1 Dividend Option is managed by LIC. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LICMF Interval Fund Annual Plan - Series 1 Dividend Option has delivered a absolute return of 0.90% — +13.99 pp ahead of the Income category average of -13.09%. The fund ranks #394 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, LICMF Interval Fund Annual Plan - Series 1 Dividend Option has delivered a CAGR of -0.61% — +10.4 pp ahead of the Income category average of -11.01%. The fund ranks #296 of 385 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, LICMF Interval Fund Annual Plan - Series 1 Dividend Option has delivered a CAGR of -0.58% — +6.79 pp ahead of the Income category average of -7.36%. The fund ranks #259 of 314 in its category — the bottom (Q4) quartile.

₹1 lakh invested in LICMF Interval Fund Annual Plan - Series 1 Dividend Option exactly 5 years ago would be worth approximately ₹97,152 today — a multiplier of 0.97×, based on the 5-year CAGR of -0.58%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in LICMF Interval Fund Annual Plan - Series 1 Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹590,698 today. That's an XIRR (money-weighted annualised return) of -0.61%.

LICMF Interval Fund Annual Plan - Series 1 Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹829,643 — XIRR -0.35%.

On a 5-year basis, LICMF Interval Fund Annual Plan - Series 1 Dividend Option ranks #259 out of 314 funds in the Income category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -7.36%; this fund delivered -0.58%.

The worst peak-to-trough decline LICMF Interval Fund Annual Plan - Series 1 Dividend Option has experienced over the last 5-year window is 13.59% — its NAV fell from a high on 20 May 2016 to a low on 23 May 2016. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, LICMF Interval Fund Annual Plan - Series 1 Dividend Option averaged 0.41% (best 2.11%, worst -0.89%). 48% of rolling windows ended positive. The 5-year Sharpe ratio is -0.82 — negative risk-adjusted performance.

In calendar year 2016, LICMF Interval Fund Annual Plan - Series 1 Dividend Option returned -7.85% — lagging the Income category average of 3.02% by 10.87 pp. It ranked #179 of 181 in its category that year.

LICMF Interval Fund Annual Plan - Series 1 Dividend Option is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. LICMF Interval Fund Annual Plan - Series 1 Dividend Option is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 13.6%. 5-year CAGR: -0.58%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.