LIC MF Value Fund
Direct · GrowthAI Summary
LIC MF Value Fund has delivered strong SIP XIRR returns of 17.99% (1Y), 18.95% (3Y), 18.22% (5Y), and 16.23% (7Y), consistently outperforming the category average SIP XIRR across all these periods. The fund has also significantly beaten the NIFTY50 VALUE 20 benchmark, with a 1Y fund CAGR of 25.96% versus the benchmark's -5.53%, and positive alpha across all time frames. Rolling returns are also robust, with 3Y and 5Y means of 18.2% and 18.24%, respectively, indicating consistent performance.
The fund exhibits moderate volatility with a maximum drawdown of -35.37% and an average drawdown of -5.51%, with 6 drawdown events exceeding 10%. The Calmar ratio improves with longer holding periods, reaching 0.5156 for 5Y, indicating better risk-adjusted returns over time. The fund's downside capture is consistently below 100% (ranging from 71.34% to 84% across periods), suggesting it protects capital better than the benchmark during market downturns.
The fund holds a diversified portfolio of 46 stocks, with the top 10 holdings accounting for approximately 31.15% of NAV. Top holdings include Oracle Financial Services, SML Mahindra, Tata Motors, and State Bank of India, spanning sectors like IT, automobiles, and banking. Sector concentration is moderate, with Banks (10.9%), Auto Components (8.9%), and Pharmaceuticals (7.3%) being the largest exposures, indicating a value-oriented tilt towards cyclical and financial sectors.
The fund consistently outperforms its category peers, with SIP XIRR exceeding the category average by 0.28% (1Y), 1.52% (3Y), 1.48% (5Y), and 0.15% (7Y). Its performance is particularly strong over 3Y and 5Y horizons, where it ranks well above the category. The fund's alpha versus the benchmark is positive across all periods, with a notable 31.26% alpha in the 1Y period, demonstrating strong stock selection and value investing acumen.
This fund is suitable for investors with a long-term investment horizon of at least 5-7 years who can tolerate moderate to high volatility, as evidenced by its drawdowns. It is ideal for those seeking value-oriented exposure with a track record of outperforming both the benchmark and category peers. Investors should have a high risk tolerance and be prepared for potential short-term underperformance, as seen in 2025 when the fund returned -6.82%.
- Consistent outperformance over category average SIP XIRR across 1Y, 3Y, 5Y, and 7Y periods
- Strong downside capture ratio (71.34% to 84%) indicating better capital protection than the benchmark
- Positive alpha across all time frames, with particularly high alpha in the 1Y period (31.26%)
- Maximum drawdown of -35.37% and 6 drawdown events exceeding 10% indicate significant volatility and potential for large losses
- Calendar year returns show high variability, with a -6.82% return in 2025, highlighting the fund's sensitivity to market cycles
Generated on 30-08-2026, 2:56 AM. Verify before investing.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.74 L | 18.0% | -55.4% | 90.3% |
| 3 Years | ₹36.00 L | ₹45.95 L | 18.9% | 3.8% | 34.4% |
| 5 Years | ₹60.00 L | ₹90.25 L | 18.2% | 9.1% | 27.8% |
| 7 Years | ₹84.00 L | ₹1.48 Cr | 16.2% | 12.8% | 18.7% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY50 VALUE 20 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 18.0% | 15.2% | 17.7% | +2.8% |
| 3 Years | 18.9% | 13.1% | 17.4% | +5.8% |
| 5 Years | 18.2% | 13.7% | 16.7% | +4.5% |
| 7 Years | 16.2% | 13.4% | 16.1% | +2.9% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 16.9% | 12.3% | -31.4% | 87.6% | 0.49 | 1.49 | 81% | — | — |
| 3 Years | 18.2% | 18.0% | 10.0% | 31.0% | 3.52 | — | 100% | — | — |
| 5 Years | 18.2% | 17.7% | 12.6% | 27.4% | 3.64 | — | 100% | — | — |
Calmar Ratio by Duration
Compared against NIFTY50 VALUE 20
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +31.26 | 0.98 | 110.6% | 71.3% | 26.0% | -5.5% |
| 3 Years | +13.28 | 0.94 | 101.3% | 84.0% | 19.3% | 6.0% |
| 5 Years | +8.70 | 0.91 | 94.8% | 83.7% | 15.3% | 6.7% |
| 7 Years | +6.17 | 0.85 | 87.9% | 80.1% | 17.8% | 12.5% |
| 10 Years | +4.56 | 0.81 | 83.1% | 74.7% | 12.2% | 7.9% |
| 12 Years | +3.53 | 0.81 | 83.1% | 74.7% | 10.1% | 6.6% |
| 15 Years | +2.53 | 0.81 | 83.1% | 74.7% | 8.0% | 5.2% |
| # | Stock | % of NAV |
|---|---|---|
| 1 | Oracle Financial Services Software Ltd. | 3.61% |
| 2 | SML Mahindra Ltd. | 3.56% |
| 3 | Tata Motors Ltd. | 3.39% |
| 4 | Garware Hi-Tech Films Ltd. | 3.37% |
| 5 | KSH International Ltd. | 3.29% |
| 6 | Tata Motors Passenger Vehicles Ltd. | 3.19% |
| 7 | State Bank of India | 2.97% |
| 8 | Siemens Energy India Ltd. | 2.62% |
| 9 | Schneider Electric Infrastructure Ltd. | 2.61% |
| 10 | Saregama India Ltd. | 2.54% |