LIC MF Unit Linked Insurance Scheme - 10 Years Uniform Cover · Regular · Growth
NAV
₹34.3809
as of 08 Apr 2026
Expense Ratio
—
see scheme documents
Lumpsum returns (CAGR)
- 1Y
- +2.57%
- 3Y
- +9.10%
- 5Y
- +8.75%
- Since Inception
- +4.57%
SIP returns (XIRR)
- 1Y
- -8.04%
- 3Y
- +2.29%
- 5Y
- +5.48%
- Since Inception
- +8.79%
Returns calculated from 23 May 2007 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 —.
SIP since inception — what ₹500/month became
Real NAV backtest from day one
₹1,14,000
Invested
₹2,73,182
Value today
8.4%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹3,270
Value today
6.4%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹11,40,000
Withdrawn
₹5,38,100
Corpus left
+₹6,78,100 net gain — withdrew ₹11,40,000 AND corpus grew
Plan your SWP with real NAV₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹18,49,371
Value today
-5.7%
vs lumpsum
Direct lumpsum would have beaten STP by 5.7% — but STP reduced timing risk
Model your own STP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹2,41,312
Value today
2.4×
Multiple
Staying invested through that crash turned ₹1L into ₹2,41,312 — a 2.4× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.97
Sharpe Ratio
—
Alpha
—
Beta
-0.94
Sortino
10.80%
Std Dev
-14.54%
Max Drawdown
Performance Comparison
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Fund Details
Investment Objective
LIC MF Unit Linked Insurance Scheme - 10 Years Uniform Cover · Regular · Growth by LIC Mutual Fund is a Other 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 Other category.
About This Fund
LIC MF Unit Linked Insurance Scheme - 10 Years Uniform Cover · Regular · Growth is a Other mutual fund offered by LIC Mutual Fund. The fund has been operational for over 19 years.
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