Should I invest in LICMF Taxplan?

We don't give personal investment advice. LICMF Taxplan-Growth 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: 18.8%. 5-year CAGR: 10.36%.

LIC

LICMF Taxplan-Growth

Latest NAV

₹148.2606

As of

17 Jul 2026

4,954 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	+0.32%	-1.95%	+2.28	41 / 90	Q2
1W	+0.01%	-3.22%	+3.22	48 / 87	Q3
2W	+0.53%	-3.57%	+4.10	30 / 87	Q2
1M	+2.38%	-3.98%	+6.36	16 / 87	Q1
3M	+2.50%	-3.29%	+5.78	31 / 87	Q2
6M	-2.85%	-1.04%	-1.81	60 / 89	Q3
YTD	-4.13%	-3.07%	-1.06	55 / 89	Q3
1Y	-4.19%	+2.32%	-6.51	66 / 87	Q4
2Y	-1.04%	-0.75%	-0.28	55 / 86	Q3
3Y	+9.93%	+5.77%	+4.16	48 / 81	Q3
4Y	+12.45%	+8.62%	+3.83	42 / 78	Q3
5Y	+10.36%	+7.06%	+3.30	44 / 77	Q3
7Y	+12.42%	+9.74%	+2.68	33 / 75	Q2
10Y	+11.70%	+8.09%	+3.61	26 / 69	Q2
Inception	+9.03%	+5.96%	+3.07	41 / 91	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
2026 YTD	-4.13%	-3.09%	-1.04	31 / 47
2025	+0.17%	+1.54%	-1.37	30 / 47
2024	+22.87%	+18.17%	+4.70	10 / 47
2023	+25.60%	+23.46%	+2.15	22 / 49
2022	-1.61%	+0.75%	-2.36	36 / 52
2021	+26.01%	+28.91%	-2.89	32 / 54
2020	+8.97%	+11.40%	-2.43	36 / 56
2019	+11.95%	+2.03%	+9.92	7 / 59
2018	-0.71%	-9.68%	+8.97	9 / 61
2017	+35.96%	+29.95%	+6.00	18 / 65
2016	+2.64%	-0.31%	+2.95	32 / 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

+12.37%

235 windows

min -56.6% · max 73.9%

73% positive

3-Year rolling

+11.04%

210 windows

min -10.2% · max 26.3%

93% positive

5-Year rolling

+10.92%

187 windows

min -5.4% · max 23.0%

93% positive

7-Year rolling

+11.02%

163 windows

min 1.3% · max 15.7%

100% 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

13.00%

3-year · annualised

Sharpe ratio

0.30

vs risk-free 6.5%

Sortino ratio

0.48

Downside-only deviation

Max drawdown

-18.82%

Sep 2024 → Mar 2026

% positive months

52.8%

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	₹66.8780	17 Jul 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹20.5675	17 Jul 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹89.3173	17 Jul 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹28.9500	17 Jul 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹125.9300	17 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹30.3525	17 Jul 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹60.8511	17 Jul 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹43.8620	17 Jul 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹30.8300	17 Jul 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹22.3070	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹148.2606
16 Jul 2026	₹147.7817
15 Jul 2026	₹147.8938
14 Jul 2026	₹147.1310
13 Jul 2026	₹148.2224
10 Jul 2026	₹148.2503
9 Jul 2026	₹146.9626
8 Jul 2026	₹145.5201
7 Jul 2026	₹148.0762
6 Jul 2026	₹148.6572

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 17 Jul 2026, the NAV of LICMF Taxplan-Growth is ₹148.2606. 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-Growth has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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-Growth 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-Growth has delivered a absolute return of -4.19% — -6.51 pp behind the ELSS category average of 2.32%. The fund ranks #66 of 87 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, LICMF Taxplan-Growth has delivered a CAGR of 9.93% — +4.16 pp ahead of the ELSS category average of 5.77%. The fund ranks #48 of 81 in its category — the third (Q3) quartile.

Over the trailing 5-year window, LICMF Taxplan-Growth has delivered a CAGR of 10.36% — +3.3 pp ahead of the ELSS category average of 7.06%. The fund ranks #44 of 77 in its category — the third (Q3) quartile.

₹1 lakh invested in LICMF Taxplan-Growth exactly 10 years ago would be worth approximately ₹302,371 today — a multiplier of 3.02×, based on the 10-year CAGR of 11.70%. The category average over the same window would have grown ₹1 lakh to ₹217,608.

A ₹10,000 monthly SIP in LICMF Taxplan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹745,754 today. That's an XIRR (money-weighted annualised return) of 8.63%.

A ₹10,000 monthly SIP for 10 years in LICMF Taxplan-Growth = ₹1,200,000 invested. It would currently be worth ₹2,161,006 (multiplier 1.80×). XIRR: 11.32%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, LICMF Taxplan-Growth ranks #44 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 7.06%; this fund delivered 10.36%.

The worst peak-to-trough decline LICMF Taxplan-Growth has experienced over the last 5-year window is 18.82% — its NAV fell from a high on 26 Sep 2024 to a low on 31 Mar 2026. 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-Growth averaged 10.92% (best 23.01%, worst -5.42%). 93% of rolling windows ended positive. The 5-year Sharpe ratio is 0.30 — weak risk-adjusted performance.

In calendar year 2025, LICMF Taxplan-Growth returned 0.17% — lagging the ELSS category average of 1.54% by 1.37 pp. It ranked #30 of 47 in its category that year.

LICMF Taxplan-Growth 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-Growth 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: 18.8%. 5-year CAGR: 10.36%.

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