LIC MF ELSS Tax Saver · Regular · Growth
NAV
₹149.6002
as of 31 Jul 2026
Expense Ratio
2.17%
AUM
₹985 Cr
Lumpsum returns (CAGR)
- 1Y
- -2.19%
- 3Y
- +10.18%
- 5Y
- +10.44%
- Since Inception
- +11.50%
SIP returns (XIRR)
- 1Y
- +1.77%
- 3Y
- +5.06%
- 5Y
- +8.98%
- Since Inception
- +11.00%
Returns calculated from 07 January 2008 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
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 ₹10,65,969 today — ₹5,95,000 invested, 11.4% XIRR.
₹5,95,000
Invested
₹10,65,969
Value today
11.4%
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 ₹2,99,843 today (11.6% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹19,32,464.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹10,65,969 in this fund vs ₹12,17,407 in the benchmark — underperformance of ₹1,51,438.
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 ₹3,06,292 today (3.06×).
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-0.29
Sharpe Ratio
-0.05
Alpha
0.29
Beta
-0.29
Sortino
14.24%
Std Dev
-16.66%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Jun 2026- Banks23.23%
- Automobiles8.91%
- Finance7.09%
- Pharmaceuticals & Biotechnology6.63%
- Auto Components5.40%
- Retailing5.00%
- Consumer Durables4.44%
- Industrial Products3.99%
- Chemicals & Petrochemicals3.70%
- IT - Software3.51%
- Construction2.82%
- Diversified FMCG2.45%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Icici Bank Ltd.8.21%
- 2Hdfc Bank Ltd.7.22%
- 3Axis Bank Ltd.4.55%
- 4Cholamandalam Investment & Fin Co Ltd.3.73%
- 5State Bank Of India3.25%
- 6Larsen & Toubro Ltd.2.82%
- 7Eicher Motors Ltd.2.36%
- 8Kirloskar Oil Engines Ltd.2.14%
- 9Trent Ltd.2.12%
- 10Blue Star Ltd.2.11%
Investment Objective
LIC MF ELSS Tax Saver · Regular · Growth is a tax-saving equity fund (ELSS) that offers tax deduction under Section 80C of the Income Tax Act, with a mandatory 3-year lock-in period. The fund aims to generate long-term capital appreciation while providing tax benefits of up to ₹46,800 per year.
About This Fund
LIC MF ELSS Tax Saver · Regular · Growth is a ELSS Tax Saver mutual fund offered by LIC Mutual Fund. The fund has been operational for over 21 years. It manages assets worth ₹985 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 500 TRI. The current expense ratio is 2.17%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Salaried individuals and taxpayers seeking to save tax under Section 80C
- •SIP investors who can benefit from rupee cost averaging during market fluctuations