Should I invest in LICMF Monthly Income Plan-Quarterly Option?

We don't give personal investment advice. LICMF Monthly Income Plan-Quarterly Option is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 8.3%. 5-year CAGR: 3.84%.

LIC

LICMF Monthly Income Plan-Quarterly Option

Latest NAV

₹14.4232

As of

3 Jun 2026

4,871 NAV records on file

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%	+13.59%	-13.54	18 / 35	Q3
1W	-0.11%	+7.13%	-7.24	9 / 37	Q1
2W	+0.23%	+7.53%	-7.30	12 / 37	Q2
1M	-0.36%	+3.17%	-3.53	16 / 37	Q2
3M	-1.35%	+8.34%	-9.69	21 / 35	Q3
6M	-1.64%	-2.49%	+0.86	14 / 33	Q2
YTD	-1.93%	-7.68%	+5.74	17 / 35	Q2
1Y	+0.57%	-2.25%	+2.82	9 / 33	Q2
2Y	+4.19%	+1.30%	+2.89	11 / 33	Q2
3Y	+5.22%	+3.60%	+1.61	15 / 33	Q2
4Y	+5.18%	+3.95%	+1.23	15 / 33	Q2
5Y	+3.84%	+3.29%	+0.56	15 / 33	Q2
7Y	+3.82%	+3.60%	+0.21	15 / 33	Q2
10Y	+3.04%	+3.19%	-0.15	16 / 33	Q2
Inception	+1.49%	+13.32%	-11.83	21 / 35	Q3

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
2026 YTD	-1.93%	-2.08%	+0.15	17 / 33
2025	+5.21%	+1.83%	+3.38	11 / 33
2024	+8.19%	+6.68%	+1.51	14 / 33
2023	+7.12%	+6.65%	+0.48	16 / 33
2022	-2.09%	-0.18%	-1.91	21 / 33
2021	+4.30%	+0.64%	+3.65	22 / 35
2020	+6.20%	+5.49%	+0.71	19 / 33
2019	+4.01%	+2.15%	+1.86	11 / 33
2018	-1.76%	-3.43%	+1.67	11 / 33
2017	-0.94%	+4.29%	-5.23	33 / 33
2016	+1.95%	+4.98%	-3.04	22 / 33

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

+1.87%

234 windows

min -14.5% · max 11.4%

67% positive

3-Year rolling

+1.76%

209 windows

min -2.7% · max 7.5%

78% positive

5-Year rolling

+1.66%

185 windows

min -1.1% · max 5.2%

88% positive

7-Year rolling

+1.56%

161 windows

min -0.5% · max 4.8%

99% positive

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

3.55%

3-year · annualised

Sharpe ratio

-0.37

vs risk-free 6.5%

Sortino ratio

-0.62

Downside-only deviation

Max drawdown

-3.25%

Jan 2026 → Mar 2026

% positive months

66.7%

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.

Peers in Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC MF Monthly Income Plan-Long Term Plan-Growth Option	HDFC	₹81.9654	3 Jun 2026
NIPPON INDIA CONSERVATIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - MONTHLY IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Magnum Monthly Income Plan - Growth	SBI	₹75.0311	3 Jun 2026
ICICI Prudential Income Multiplier Fund-Dividend option	ICICI Prudential	₹13.7052	3 Jun 2026
FT India Monthly Income Plan-Growth	Franklin Templeton	₹90.6648	3 Jun 2026
Kotak Debt Hybrid - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹12.0806	3 Jun 2026
DSP BlackRock Savings Manager Fund - Aggressive - Growth	DSP BlackRock	₹59.7959	3 Jun 2026
HSBC MIP - Savings - Dividend - Quarterly	HSBC	₹16.9386	3 Jun 2026
Canara Robeco Cigo-Growth Plan	Canara Robeco	₹96.3840	3 Jun 2026
UTI - MIS-ADVANTAGE-FLEXI DIVIDEND	UTI	₹43.6903	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹14.4232
2 Jun 2026	₹14.4150
1 Jun 2026	₹14.3985
29 May 2026	₹14.4201
27 May 2026	₹14.4386
26 May 2026	₹14.4470
25 May 2026	₹14.4567
22 May 2026	₹14.3969
21 May 2026	₹14.3714
20 May 2026	₹14.3900

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.

As of 03 Jun 2026, the NAV of LICMF Monthly Income Plan-Quarterly Option is ₹14.4232. It's a Conservative Hybrid Fund from LIC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

LICMF Monthly Income Plan-Quarterly Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. 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 Monthly Income Plan-Quarterly Option is managed by LIC. It's classified by AMFI under the 'Conservative Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LICMF Monthly Income Plan-Quarterly Option has delivered a absolute return of 0.57% — +2.82 pp ahead of the Conservative Hybrid Fund category average of -2.25%. The fund ranks #9 of 33 in its category — the second (Q2) quartile.

Over the trailing 3-year window, LICMF Monthly Income Plan-Quarterly Option has delivered a CAGR of 5.22% — +1.61 pp ahead of the Conservative Hybrid Fund category average of 3.60%. The fund ranks #15 of 33 in its category — the second (Q2) quartile.

Over the trailing 5-year window, LICMF Monthly Income Plan-Quarterly Option has delivered a CAGR of 3.84% — +0.56 pp ahead of the Conservative Hybrid Fund category average of 3.29%. The fund ranks #15 of 33 in its category — the second (Q2) quartile.

₹1 lakh invested in LICMF Monthly Income Plan-Quarterly Option exactly 10 years ago would be worth approximately ₹134,884 today — a multiplier of 1.35×, based on the 10-year CAGR of 3.04%. The category average over the same window would have grown ₹1 lakh to ₹136,926.

A ₹10,000 monthly SIP in LICMF Monthly Income Plan-Quarterly Option over the last 5 years — total invested ₹600,000 — would be worth ₹667,186 today. That's an XIRR (money-weighted annualised return) of 4.19%.

A ₹10,000 monthly SIP for 10 years in LICMF Monthly Income Plan-Quarterly Option = ₹1,200,000 invested. It would currently be worth ₹1,457,293 (multiplier 1.21×). XIRR: 3.81%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, LICMF Monthly Income Plan-Quarterly Option ranks #15 out of 33 funds in the Conservative Hybrid Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.29%; this fund delivered 3.84%.

The worst peak-to-trough decline LICMF Monthly Income Plan-Quarterly Option has experienced over the last 5-year window is 8.30% — its NAV fell from a high on 24 Sep 2021 to a low on 24 Jun 2022. 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 Monthly Income Plan-Quarterly Option averaged 1.66% (best 5.24%, worst -1.13%). 88% of rolling windows ended positive. The 5-year Sharpe ratio is -0.68 — negative risk-adjusted performance.

In calendar year 2025, LICMF Monthly Income Plan-Quarterly Option returned 5.21% — beating the Conservative Hybrid Fund category average of 1.83% by 3.38 pp. It ranked #11 of 33 in its category that year.

LICMF Monthly Income Plan-Quarterly Option is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. LICMF Monthly Income Plan-Quarterly Option is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 8.3%. 5-year CAGR: 3.84%.

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