LIC MF Banking and Financial Services Fund · Regular · Growth
NAV
₹20.1010
as of 30 Sept 2026
Expense Ratio
2.86%
AUM
₹261 Cr
Lumpsum returns (CAGR)
- 1Y
- -2.27%
- 3Y
- +4.68%
- 5Y
- +7.72%
- Since Inception
- +6.25%
SIP returns (XIRR)
- 1Y
- -9.72%
- 3Y
- +0.99%
- 5Y
- +5.82%
- Since Inception
- +7.84%
What history actually did — last 10 years (Oct 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,88,493 today — ₹5,95,000 invested, 7.9% XIRR.
₹5,95,000
Invested
₹8,88,493
Value today
7.9%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,92,780 today (6.8% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2016 would still hold ₹10,39,309.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹8,88,493 in this fund vs ₹11,23,105 in the benchmark — underperformance of ₹2,34,612.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Oct 2016 – Sept 2026) (22 Mar 2020) would be ₹2,86,637 today (2.87×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised0.08
Sharpe Ratio
-0.01
Alpha
0.33
Beta
0.08
Sortino
16.24%
Std Dev
-16.55%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks49.28%
- Finance21.79%
- Capital Markets14.54%
- Financial Technology (Fintech)9.93%
- Insurance2.58%
Each sector links to the mutual funds most exposed to it.
Thinking about LIC MF Banking and Financial Services Fund · Regular · Growth?
Talk to our AMFI-registered team — free, no pressure. We'll help you see if this fund fits your goals.
Fund Details
Available transactions
Portfolio holdings
- 1Icici Bank Ltd.13.98%
- 2Au Small Finance Bank Ltd.7.36%
- 3Axis Bank Ltd.5.27%
- 4One 97 Communications Ltd.5.01%
- 5Bajaj Finance Ltd.5.00%
- 6Pb Fintech Ltd.4.92%
- 7Indusind Bank Ltd.4.87%
- 8Hdfc Bank Ltd.4.75%
- 9City Union Bank Ltd.4.36%
- 10Shriram Finance Ltd.4.22%
What this fund does
LIC MF Banking and Financial Services Fund · Regular · Growth invests in stocks from a specific sector or theme, offering concentrated exposure to a particular area of the economy. These funds carry sector-specific risks but can deliver significant returns when the underlying sector performs well.
About This Fund
LIC MF Banking and Financial Services Fund · Regular · Growth is a Sectoral / Thematic mutual fund offered by LIC Mutual Fund. The fund has been operational for over 11 years. It manages assets worth ₹261 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 500 TRI. The current expense ratio is 2.86%.