LIC MF ELSS Tax Saver · Regular · Growth
NAV
₹151.2759
as of 13 Nov 2026
Expense Ratio
2.17%
AUM
₹1,016 Cr
Lumpsum returns (CAGR)
- 1Y
- -1.74%
- 3Y
- +9.56%
- 5Y
- +7.81%
- Since Inception
- +11.39%
SIP returns (XIRR)
- 1Y
- +6.72%
- 3Y
- +3.92%
- 5Y
- +8.42%
- Since Inception
- +10.86%
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 (Nov 2016 – Nov 2026)
A ₹5,000 monthly SIP for the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹10,54,899 today — ₹6,00,000 invested, 11.0% XIRR.
₹6,00,000
Invested
₹10,54,899
Value today
11.0%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹3,14,396 today (12.1% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Nov 2016 would still hold ₹20,89,065.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹10,54,899 in this fund vs ₹11,99,859 in the benchmark — underperformance of ₹1,44,960.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Nov 2016 – Nov 2026) (22 Mar 2020) would be ₹3,09,723 today (3.10×).
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-0.42
Sharpe Ratio
-0.04
Alpha
0.96
Beta
-0.40
Sortino
13.34%
Std Dev
-16.66%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Sept 2026- Banks20.63%
- Pharmaceuticals & Biotechnology9.57%
- Automobiles8.20%
- Finance5.49%
- Chemicals & Petrochemicals4.81%
- Auto Components4.52%
- Retailing4.37%
- Consumer Durables4.02%
- Agricultural, Commercial & Construction Vehicles4.01%
- Healthcare Services3.56%
- IT - Software3.08%
- Industrial Products2.76%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Icici Bank Ltd.8.21%
- 2Hdfc Bank Ltd.4.94%
- 3Axis Bank Ltd.4.32%
- 4Sml Mahindra Ltd.4.01%
- 5Cholamandalam Investment & Fin Co Ltd.3.51%
- 6State Bank Of India3.16%
- 7Srf Ltd.2.84%
- 8Indo-Mim Ltd.2.61%
- 9Eternal Ltd.2.60%
- 10Larsen & Toubro Ltd.2.42%
What this fund does
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 22 years. It manages assets worth ₹1,016 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?
- •Salaried individuals and taxpayers seeking to save tax under Section 80C