LIC MF Banking and PSU Fund · Regular · Growth
NAV
₹36.9496
as of 29 Sept 2026
Expense Ratio
0.68%
AUM
₹1,850 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.72%
- 3Y
- +6.74%
- 5Y
- +5.74%
- Since Inception
- +6.99%
SIP returns (XIRR)
- 1Y
- +4.78%
- 3Y
- +6.14%
- 5Y
- +6.25%
- Since Inception
- +6.69%
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,21,854 today — ₹6,00,000 invested, 6.2% XIRR.
₹6,00,000
Invested
₹8,21,854
Value today
6.2%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,86,184 today (6.4% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹10,39,990.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹1,47,392 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, annualised-0.46
Sharpe Ratio
—
Alpha
—
Beta
-0.48
Sortino
1.31%
Std Dev
-0.60%
Max Drawdown
Performance Comparison
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1182 Days Tbill Red 03-09-20266.06%
- 28.14% Nuclear Power Corporation **3.81%
- 38.09% Nlc India Ltd. **3.76%
- 48.37% National Highways Authority Of India **3.25%
- 57.83% Small Industries Development Bk Of India **3.22%
- 67.43% Jamnagar Utilities & Power Pvt. Ltd. **3.15%
- 77.75% Bharti Telecom Ltd.3.12%
- 87.37% Indian Railway Finance Corporation Ltd. **3.11%
- 97.62% National Bk For Agriculture & Rural Dev. **3.10%
- 107.46% Rec Ltd. **3.07%
What this fund does
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%.