LIC MF ELSS Tax Saver Fund-Regular Plan-Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 93% of 3-year investment horizons.
- Over 30 years of operational history across different market cycles.
- Experienced a maximum drawdown of -63.8% during severe market crashes.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +6.74% | +7.77% | -1.03% |
| 3 Months | +0.20% | +0.19% | +0.01% |
| 6 Months | +5.27% | +5.12% | +0.15% |
| 1 Year | -1.73% | +1.89% | -3.62% |
| 3 Years CAGR | +9.54% | +11.88% | -2.34% |
| 5 Years CAGR | +8.00% | +9.96% | -1.96% |
| 7 Years CAGR | +11.30% | +13.84% | -2.54% |
| 10 Years CAGR | +11.66% | +13.83% | -2.17% |
| Since Inception | +8.99% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in LIC MF ELSS Tax Saver Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | -2.10% | +1.20% | -3.30% |
| 2025 | +0.84% | +3.57% | -2.73% |
| 2024 | +22.63% | +19.98% | +2.65% |
| 2023 | +26.27% | +27.84% | -1.57% |
| 2022 | -1.61% | +2.11% | -3.72% |
| 2021 | +26.23% | +32.16% | -5.93% |
| 2020 | +8.92% | +17.88% | -8.96% |
| 2019 | +11.86% | +9.89% | +1.97% |
| 2018 | -1.09% | -6.42% | +5.33% |
| 2017 | +37.28% | +37.59% | -0.31% |
| 2016 | +3.26% | +3.19% | +0.07% |
| 2015 | -3.01% | +3.80% | -6.81% |
| 2014 | +49.05% | +49.05% | 0.00% |
| 2013 | +8.18% | +7.15% | +1.03% |
| 2012 | +26.33% | +29.97% | -3.64% |
| 2011 | -26.20% | -23.37% | -2.83% |
| 2010 | +15.73% | +17.81% | -2.08% |
| 2009 | +62.17% | +73.74% | -11.57% |
| 2008 | -56.87% | -54.86% | -2.01% |
| 2007 | +48.76% | +60.55% | -11.79% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -58.91% | +12.05% | +9.85% | +83.35% | 72.0% | 22.4% |
| 3-Year Rolling | -12.52% | +10.87% | +11.79% | +26.98% | 92.8% | 9.3% |
| 5-Year Rolling | -5.73% | +10.89% | +11.96% | +24.52% | 93.5% | 0.0% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2008-01-07 | 2009-03-09 | -63.8% | 14 months | 64 months |
| 2006-05-10 | 2006-06-14 | -35.9% | 1 months | 13 months |
| 2020-02-12 | 2020-03-23 | -35.8% | 1 months | 9 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity and equity related instruments:80-100%, Money market instruments and Other Liquid Instruments, Mutual Fund Units:0-20%. Please refer the Scheme Information Document for complete details. | Per Scheme Mandate |
Investment Objective & Strategy
To provide capital growth along with tax rebate and tax relief to our investors through prudent investments in the stock markets. An open-ended equity linked tax saving Scheme which offers investors the opportunity to seek Tax rebate u/s 80C of the Income Tax Act 1961. There is no assurance that the investment objective of the Scheme will be achieved.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 1,020 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable relative to ELSS schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest ELSS Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| PGIM India ELSS Tax Saver Fund | 3.6 | +9.64% | 2.55% | 96.8% | Rs 726 cr | Compare → |
| Sundaram ELSS Tax Saver Fund | 4.6 | +9.27% | - | 93.2% | Rs 1,287 cr | Compare → |
| BANK OF INDIA ELSS Tax Saver FUND | 4.4 | +11.88% | 2.34% | 108.5% | Rs 1,430 cr | Compare → |
| Parag Parikh ELSS Tax Saver Fund | 6.0 | +8.96% | 1.83% | 69.4% | Rs 5,773 cr | Compare → |
| Quantum ELSS Tax Saver Fund | 4.2 | +10.50% | 2.18% | 79.0% | Rs 213 cr | Compare → |
Frequently Asked Questions about LIC MF ELSS Tax Saver Fund
What is the expense ratio of LIC MF ELSS Tax Saver Fund?
LIC MF ELSS Tax Saver Fund has a total expense ratio (TER) of 2.48% with a base expense ratio of 1.92%, compared to the ELSS category median of 2.34%.
Who manages LIC MF ELSS Tax Saver Fund?
LIC MF ELSS Tax Saver Fund is managed by Sumit Bhatnagar (tenure: 0.6 years since 2026-04-07).
What are the historical returns of LIC MF ELSS Tax Saver Fund?
LIC MF ELSS Tax Saver Fund delivered a 3-year CAGR of 9.54% and a 5-year CAGR of 8.0%. Its 1-year return stands at -1.73%.
How large is LIC MF ELSS Tax Saver Fund?
LIC MF ELSS Tax Saver Fund manages assets of Rs 1,020 cr, placing it in the 'comfortable' size band relative to ELSS peers.
How is LIC MF ELSS Tax Saver Fund scored on MFIQ?
LIC MF ELSS Tax Saver Fund holds an MFIQ Score of 2.9/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is LIC MF ELSS Tax Saver Fund?
LIC MF ELSS Tax Saver Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 13.92% with a maximum historical drawdown of -63.82%.