LIC MF Flexi Cap Fund-Regular Plan-Growth
Beginner-friendly💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 94% of 3-year investment horizons.
- Over 34 years of operational history across different market cycles.
- Downside capture of 110% indicates larger drops during broader market downturns.
- Expense ratio (2.88%) is higher than category median (2.17%), which creates fee drag over time.
- Experienced a maximum drawdown of -64.8% during severe market crashes.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +6.21% | +6.72% | -0.51% |
| 3 Months | -3.34% | +0.95% | -4.29% |
| 6 Months | +8.53% | +7.48% | +1.05% |
| 1 Year | +1.93% | +3.87% | -1.94% |
| 3 Years CAGR | +10.91% | +12.91% | -2.00% |
| 5 Years CAGR | +8.81% | +9.13% | -0.32% |
| 7 Years CAGR | +11.39% | +13.79% | -2.40% |
| 10 Years CAGR | +10.23% | +13.48% | -3.25% |
| Since Inception | +8.31% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in LIC MF Flexi Cap Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +2.90% | +3.55% | -0.65% |
| 2025 | +1.97% | +3.91% | -1.94% |
| 2024 | +18.77% | +18.52% | +0.25% |
| 2023 | +28.78% | +28.78% | 0.00% |
| 2022 | -2.58% | -1.11% | -1.47% |
| 2021 | +20.16% | +32.43% | -12.27% |
| 2020 | +10.37% | +14.34% | -3.97% |
| 2019 | +13.73% | +10.28% | +3.45% |
| 2018 | -7.67% | -7.49% | -0.18% |
| 2017 | +25.65% | +37.90% | -12.25% |
| 2016 | +2.17% | +4.05% | -1.88% |
| 2015 | -7.73% | +1.06% | -8.79% |
| 2014 | +41.97% | +54.77% | -12.80% |
| 2013 | +5.62% | +4.75% | +0.87% |
| 2012 | +28.44% | +32.18% | -3.74% |
| 2011 | -27.05% | -25.47% | -1.58% |
| 2010 | +15.98% | +15.86% | +0.12% |
| 2009 | +69.06% | +83.98% | -14.92% |
| 2008 | -57.27% | -56.62% | -0.65% |
| 2007 | +63.17% | +63.30% | -0.13% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -60.97% | +11.22% | +7.75% | +93.96% | 73.0% | 27.5% |
| 3-Year Rolling | -9.15% | +9.39% | +9.69% | +24.51% | 93.6% | 4.3% |
| 5-Year Rolling | -5.09% | +9.03% | +9.85% | +20.82% | 96.7% | 0.2% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2008-01-07 | 2008-11-20 | -64.8% | 10 months | 67 months |
| 2006-05-10 | 2006-06-14 | -37.5% | 1 months | 6 months |
| 2020-02-12 | 2020-03-23 | -34.3% | 1 months | 8 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity and equity related instruments : 65-100%, Money market instruments, other liquid instruments, INVITs and mutual fund units including Gold/ Silver ETFs.:0-35%. Please refer the Scheme Information Document for complete details. | Per Scheme Mandate |
Investment Objective & Strategy
The main investment objective of the scheme is to provide capital growth by investing across Large, Mid & Small Cap stocks. The investment portfolio of the scheme will be constantly monitored and reviewed to optimise capital growth. 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 1,077 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as small relative to Flexi Cap 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 Flexi Cap Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Navi Flexi Cap Fund | 3.6 | +10.93% | 2.56% | 97.9% | Rs 304 cr | Compare → |
| Mahindra Manulife Flexi Cap Fund | 4.0 | +9.70% | 2.44% | 102.5% | Rs 1,582 cr | Compare → |
| Baroda BNP Paribas Flexi Cap Fund | 3.7 | +11.67% | 2.46% | 104.0% | Rs 1,253 cr | Compare → |
| Nippon India Flexi Cap Fund | 4.7 | +9.70% | 1.83% | 106.8% | Rs 9,682 cr | Compare → |
| PGIM India Flexi Cap Fund | 4.0 | +11.22% | 2.08% | 92.1% | Rs 5,989 cr | Compare → |
Frequently Asked Questions about LIC MF Flexi Cap Fund
What is the expense ratio of LIC MF Flexi Cap Fund?
LIC MF Flexi Cap Fund has a total expense ratio (TER) of 2.88% with a base expense ratio of 1.9%, compared to the Flexi Cap category median of 2.17%.
Who manages LIC MF Flexi Cap Fund?
LIC MF Flexi Cap Fund is managed by Sudhanshu Asthana (tenure: 0.6 years since 2026-04-07).
What are the historical returns of LIC MF Flexi Cap Fund?
LIC MF Flexi Cap Fund delivered a 3-year CAGR of 10.91% and a 5-year CAGR of 8.81%. Its 1-year return stands at +1.93%.
How large is LIC MF Flexi Cap Fund?
LIC MF Flexi Cap Fund manages assets of Rs 1,077 cr, placing it in the 'small' size band relative to Flexi Cap peers.
How is LIC MF Flexi Cap Fund scored on MFIQ?
LIC MF Flexi Cap Fund holds an MFIQ Score of 1.9/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is LIC MF Flexi Cap Fund?
LIC MF Flexi Cap Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 15.73% with a maximum historical drawdown of -64.82%.