Q: What are the returns of this mutual fund scheme?

The LIC MF Equity Savings Fund Direct-Growth is a 13 yrs 1 m old fund and has delivered average annual returns of 7.82% since inception. LIC MF Equity Savings Fund Direct-Growth Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.7% 9.58% 8.17% 7.97% 7.82%

Question 1

What is the current NAV of LIC MF Equity Savings Fund Direct-Growth?

Accepted Answer

The current Net Asset Value (NAV) of the LIC MF Equity Savings Fund - Direct Growth plan is approximately ₹31.078 as of Feb 02, 2026.

Question 2

What are the returns of this mutual fund scheme?

Accepted Answer

The LIC MF Equity Savings Fund Direct-Growth is a 13 yrs 1 m old fund and has delivered average annual returns of 7.82% since inception.

LIC MF Equity Savings Fund Direct-Growth Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.7%	9.58%	8.17%	7.97%	7.82%

Question 3

How much does this mutual fund charge as expense ratio?

Accepted Answer

The LIC MF Equity Savings Fund - Direct Growth has an expense ratio of 1.34%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

Question 4

What is the AUM or fund size of this mutual fund?

Accepted Answer

The LIC MF Equity Savings Fund currently has assets under management (AUM) or fund size valued at approximately 36 Cr as on Dec 31, 2025.

Question 5

What are the top stock holdings of LIC MF Equity Savings Fund?

Accepted Answer

The LIC MF Equity Savings Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
Tata Steel Ltd.	2.46%
Bank Of Baroda	2.39%
Ashok Leyland Ltd.	1.98%
National Aluminium Company Ltd.	1.95%
Eternal Ltd.	1.86%
Tata Consultancy Services Ltd.	1.86%
Ultratech Cement Ltd.	1.63%
Infosys Ltd.	1.61%
Reliance Industries Ltd.	1.5%
Kotak Mahindra Bank Ltd.	1.46%

Question 6

What are the top sectors LIC MF Equity Savings Fund has invested in?

Accepted Answer

The LIC MF Equity Savings Fund's equity portion is primarily invested in the following sectors -

Company	Percentage of Portfolio
Tata Steel Ltd.	2.46%
Bank Of Baroda	2.39%
Ashok Leyland Ltd.	1.98%
National Aluminium Company Ltd.	1.95%
Eternal Ltd.	1.86%
Tata Consultancy Services Ltd.	1.86%
Ultratech Cement Ltd.	1.63%
Infosys Ltd.	1.61%
Reliance Industries Ltd.	1.5%
Kotak Mahindra Bank Ltd.	1.46%

Question 7

What is the quality of borrowers this mutual fund scheme lends to?

Accepted Answer

The credit rating of the instruments in which the fund invests represents the quality of the borrower. The LIC MF Equity Savings Fund's debt portion's allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
Cash	33.17212793%
Cash & Call Money	18.08353817%
A1+	7.877692%

Question 8

What is risk level of LIC MF Equity Savings Fund?

Accepted Answer

This is a Equity Savings fund comes with Moderately High risk.

Question 9

Is there any lock-in period in this mutual fund?

Accepted Answer

No, this fund does not have any lock-in period.

Question 10

How do I invest in LIC MF Equity Savings Fund Direct-Growth?

Accepted Answer

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for LIC MF Equity Savings Fund - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the LIC MF Equity Savings Fund is complete.

Question 11

How can I redeem my investments in LIC MF Equity Savings Fund?

Accepted Answer

Redeeming your investments in the LIC MF Equity Savings Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

Expense ratio	1.34% as on Feb 02, 2026
Exit load	1.0% Exit Load for units in excess of 12% of the investment,1% will be charged for redemption within 3 months.!
AUM (Fund size)	₹36 Cr
Lock-in Period	Nil
Age	13 yrs 1 m since Jan 01, 2013
Benchmark	NIFTY Equity Savings TRI
Min. investment	SIP: ₹500 & Lumpsum: ₹5000
Risk	Moderately High
Short term capital gains (STCG)	Returns taxed at 20% if you redeem before 1 year
Long term capital gains (LTCG)	After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%

Period	This fund	Category average
1 Month	-2.67%	-1.08%
3 Months	-3.17%	-0.37%
6 Months	-0.43%	1.9%
1 Year	7.7%	6.79%
2 Years	7.61%	7.44%
3 Years	9.58%	9.84%
4 Years	7.76%	8.13%
5 Years	8.17%	8.52%
7 Years	9.04%	9.02%
10 Years	7.97%	8.81%

Fund name	1M	6M	1Y	3Y	5Y	10Y
LIC MF Equity Savings Fund	-2.67%	-0.43%	7.7%	9.58%	8.17%	7.97%
Edelweiss Equity Savings Fund	-1.19%	3.0%	8.54%	12.11%	10.31%	10.33%
Kotak Equity Savings Fund	-2.74%	2.81%	7.46%	11.86%	10.94%	10.42%
UTI Equity Savings Fund	-0.96%	4.4%	8.48%	11.6%	10.67%	7.27%
Sundaram Equity Savings Fund	-1.7%	1.59%	7.4%	12.78%	10.91%	10.32%
DSP Equity Savings Fund	-0.84%	1.8%	6.54%	10.81%	9.66%	9.5%

Fund name	Std. deviation	Beta	Sharpe	Sortino
LIC MF Equity Savings Fund	6.54	0.8	0.56	0.76
Edelweiss Equity Savings Fund	3.48	0.44	1.64	2.27
Kotak Equity Savings Fund	5.21	0.69	1.07	1.3
UTI Equity Savings Fund	4.04	0.55	1.32	1.89
Sundaram Equity Savings Fund	5.1	0.65	1.22	2.14
DSP Equity Savings Fund	3.64	0.47	1.18	2.51

Fund name	ETM Rank	AUM	Fund age	Expense ratio
LIC MF Equity Savings Fund	N.A.	36 Cr	13 yrs 1 m	1.34%
Edelweiss Equity Savings Fund	N.A.	1,195 Cr	11 yrs 4 m	0.61%
Kotak Equity Savings Fund	N.A.	9,651 Cr	11 yrs 4 m	0.69%
UTI Equity Savings Fund	N.A.	810 Cr	7 yrs 5 m	0.67%
Sundaram Equity Savings Fund	N.A.	1,207 Cr	13 yrs 1 m	0.72%
DSP Equity Savings Fund	N.A.	3,905 Cr	9 yrs 10 m	0.65%

LIC MF Equity Savings Fund Direct-Growth

Historical NAV & returns

LIC MF Equity Savings Fund overview

LIC MF Equity Savings Fund Returns calculator

Trailing returns as on Feb 03, 2026

Asset allocationas on Dec 31, 2025

Peer comparison

Key risk & return ratios Compared to other funds in the category

About this fund

About LIC MF Equity Savings Fund

Fund managers

Investment objective

LIC Mutual Fund details

More funds from LIC Mutual Fund

Frequently asked questions

LIC MF Equity Savings Fund Direct-Growth Returns

ET Money rank

Alpha	-0.03 vs. 3.94 Underperformed at beating benchmark
Sharpe	0.56 vs. 3.84 Poor risk-adjusted returns
Beta	0.8 vs. 0.93 Less sensitive to market ups & downs
Standard deviation	6.54 vs. 3.72 More volatile performance

Fund AUM	36 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

No. of schemes	32 view all schemes
Total AUM	44,894 Cr as on Dec 31, 2025
Address	Industrial Assurance Building Ground Floor, Opp. Churchgate Station Mumbai, 400020
Email	br.mumbai@licmf.com
Phone	022-66016177 / 022-66016178

Fund name	ETM Rank	AUM	1Y	5Y
LIC MF Aggressive Hybrid Fund	N.A.	534 Cr	7.22%	10.72%
LIC MF Balanced Advantage Fund	N.A.	742 Cr	5.35%	N.A.
LIC MF Conservative Hybrid Fund	N.A.	49 Cr	5.3%	6.57%
LIC MF Arbitrage Fund	N.A.	259 Cr	6.69%	6.27%
LIC MF Multi Asset Allocation Fund	N.A.	904 Cr	20.32%	N.A.

Sector	Percentage of Portfolio
Financial	12.419999999999998%
Automobile	8.86%
Metals & Mining	7.86%
Services	5.96%
Consumer Staples	5.85%
Capital Goods	5.79%
Healthcare	5.32%
Technology	4.82%
Materials	3.1499999999999995%
Consumer Discretionary	2.9099999999999997%