LIC MF Banking and PSU Fund · Regular · Growth
NAV
₹36.8045
as of 31 Jul 2026
Expense Ratio
0.68%
AUM
₹1,850 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.75%
- 3Y
- +6.87%
- 5Y
- +5.77%
- Since Inception
- +7.03%
SIP returns (XIRR)
- 1Y
- +5.44%
- 3Y
- +6.60%
- 5Y
- +6.45%
- Since Inception
- +6.75%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,17,985 today — ₹5,95,000 invested, 6.3% XIRR.
₹5,95,000
Invested
₹8,17,985
Value today
6.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,88,016 today (6.5% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹10,62,174.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,46,813 today (1.47×).
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, annualised0.23
Sharpe Ratio
—
Alpha
—
Beta
0.25
Sortino
1.32%
Std Dev
-0.60%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 18.37% National Highways Authority Of India **5.73%
- 27.34% Small Industries Development Bk Of India4.54%
- 3Canara Bank #3.87%
- 48.14% Nuclear Power Corporation **3.35%
- 58.09% Nlc India Ltd. **3.32%
- 67.48% National Bk For Agriculture & Rural Dev.2.85%
- 77.83% Small Industries Development Bk Of India **2.84%
- 87.43% Jamnagar Utilities & Power Pvt. Ltd. **2.80%
- 97.05% Jio Credit Ltd. **2.80%
- 106.9% Government Of India2.78%
Investment Objective
LIC MF Banking and PSU Fund · Regular · Growth by LIC Mutual Fund is a Banking & PSU Debt fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Banking & PSU Debt category.
About This Fund
LIC MF Banking and PSU Fund · Regular · Growth is a Banking & PSU Debt mutual fund offered by LIC Mutual Fund. The fund has been operational for over 19 years. It manages assets worth ₹1,850 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY Banking & PSU Debt Index. The current expense ratio is 0.68%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations