Should I invest in LICMF Taxplan?

We don't give personal investment advice. LICMF Taxplan-Dividend is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 20.5%. 5-year CAGR: 7.28%.

LIC

LICMF Taxplan-Dividend

Latest NAV

₹29.1263

As of

3 Jun 2026

4,923 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	-0.12%	-2.11%	+1.99	68 / 90	Q4
1W	-2.24%	-4.12%	+1.88	78 / 87	Q4
2W	-0.50%	-3.75%	+3.25	49 / 87	Q3
1M	-2.89%	-5.60%	+2.71	67 / 87	Q4
3M	-3.18%	-5.40%	+2.21	51 / 87	Q3
6M	-8.86%	-3.98%	-4.88	71 / 89	Q4
YTD	-10.04%	-5.20%	-4.84	74 / 89	Q4
1Y	-7.33%	+1.41%	-8.74	73 / 87	Q4
2Y	-0.12%	-0.15%	+0.03	54 / 86	Q3
3Y	+8.00%	+6.12%	+1.88	55 / 81	Q3
4Y	+8.77%	+7.91%	+0.86	53 / 78	Q3
5Y	+7.28%	+6.94%	+0.33	57 / 77	Q3
7Y	+7.35%	+8.75%	-1.41	58 / 75	Q4
10Y	+6.77%	+8.10%	-1.33	51 / 69	Q3
Inception	+3.74%	+5.86%	-2.11	71 / 91	Q4

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	-10.04%	-7.12%	-2.91	39 / 47
2025	+0.17%	+1.54%	-1.37	29 / 47
2024	+21.55%	+18.17%	+3.37	17 / 47
2023	+21.73%	+23.46%	-1.72	33 / 49
2022	-5.50%	+0.75%	-6.25	44 / 52
2021	+20.26%	+28.91%	-8.65	44 / 54
2020	+4.09%	+11.40%	-7.32	45 / 56
2019	+5.43%	+2.03%	+3.40	22 / 59
2018	-9.25%	-9.68%	+0.43	33 / 61
2017	+22.65%	+29.95%	-7.30	49 / 65
2016	+2.65%	-0.31%	+2.96	30 / 70

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

+7.50%

234 windows

min -57.0% · max 74.2%

63% positive

3-Year rolling

+6.60%

209 windows

min -23.3% · max 23.6%

80% positive

5-Year rolling

+6.72%

185 windows

min -6.5% · max 17.7%

85% positive

7-Year rolling

+6.68%

161 windows

min -4.3% · max 16.0%

94% 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

13.86%

3-year · annualised

Sharpe ratio

0.17

vs risk-free 6.5%

Sortino ratio

0.26

Downside-only deviation

Max drawdown

-18.82%

Sep 2024 → Mar 2026

% positive months

63.9%

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 ELSS

Scheme	Fund house	NAV	As of
HDFC TaxSaver-Dividend Plan	HDFC	₹63.5390	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.9775	3 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹85.4857	3 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.4000	3 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹121.5100	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.6508	3 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.8774	3 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹41.1340	3 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.5000	3 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.1600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹29.1263
2 Jun 2026	₹29.1625
1 Jun 2026	₹29.1339
29 May 2026	₹29.4144
27 May 2026	₹29.7933
26 May 2026	₹29.8084
25 May 2026	₹29.9108
22 May 2026	₹29.4584
21 May 2026	₹29.3509
20 May 2026	₹29.2732

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 Taxplan-Dividend is ₹29.1263. It's a ELSS from LIC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

LICMF Taxplan-Dividend 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 Taxplan-Dividend is managed by LIC. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LICMF Taxplan-Dividend has delivered a absolute return of -7.33% — -8.74 pp behind the ELSS category average of 1.41%. The fund ranks #73 of 87 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, LICMF Taxplan-Dividend has delivered a CAGR of 8.00% — +1.88 pp ahead of the ELSS category average of 6.12%. The fund ranks #55 of 81 in its category — the third (Q3) quartile.

Over the trailing 5-year window, LICMF Taxplan-Dividend has delivered a CAGR of 7.28% — +0.33 pp ahead of the ELSS category average of 6.94%. The fund ranks #57 of 77 in its category — the third (Q3) quartile.

₹1 lakh invested in LICMF Taxplan-Dividend exactly 10 years ago would be worth approximately ₹192,515 today — a multiplier of 1.93×, based on the 10-year CAGR of 6.77%. The category average over the same window would have grown ₹1 lakh to ₹217,976.

A ₹10,000 monthly SIP in LICMF Taxplan-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹683,061 today. That's an XIRR (money-weighted annualised return) of 5.12%.

A ₹10,000 monthly SIP for 10 years in LICMF Taxplan-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,711,404 (multiplier 1.43×). XIRR: 6.90%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, LICMF Taxplan-Dividend ranks #57 out of 77 funds in the ELSS category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 6.94%; this fund delivered 7.28%.

The worst peak-to-trough decline LICMF Taxplan-Dividend has experienced over the last 5-year window is 20.55% — its NAV fell from a high on 14 Oct 2021 to a low on 17 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 Taxplan-Dividend averaged 6.72% (best 17.69%, worst -6.46%). 85% of rolling windows ended positive. The 5-year Sharpe ratio is 0.11 — weak risk-adjusted performance.

In calendar year 2025, LICMF Taxplan-Dividend returned 0.17% — lagging the ELSS category average of 1.54% by 1.37 pp. It ranked #29 of 47 in its category that year.

LICMF Taxplan-Dividend is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. LICMF Taxplan-Dividend is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 20.5%. 5-year CAGR: 7.28%.

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