MonitorDirect · GrowthWatch before adding
LIC MF Short Term Fund
LIC Mutual FundIncome/Debt Oriented Schemes - Short Term Fund7.7 years
The scheme seeks to generate returns commensurate with risk from a portfolio constituted of Debt securities and/or Money Market instruments.
- NAV
- 16.6399
- 29 Oct 2026
- 1Y
- +4.5%
- Trailing CAGR
- AUM
- ₹121.62 Cr
- 30 Sept 2026
- Volatility
- Low
- 1.3% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer Groww Short Term Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
7.7 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.36% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -2.3%. Ask whether you can hold through a similar fall.
Vs category
Fail
14% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Rahul Singh · 1.1 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 74.9% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+4.5%
- 3Y+7.3%
- 5Y+6.2%
- 10Yn/a
- SI+6.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+4.2%
- 3Y+6.3%
- 5Y+6.7%
- 10Yn/a
- Since inception
- +6.8%
- Calendar-day CAGR
- Excess 1Y
- +0.2%
- Category median, same plan and option
- 3Y win rate
- +14%
- Windows beating the median
- 3Y percentile
- 56
- Vs comparable share classes
- SIP 3Y XIRR
- +6.3%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.3%
- 1146 daily-ending windows
- Median rolling 3Y
- +6.0%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 662 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -2.3%
- Worst peak-to-trough
- Current
- -0.3%
- Below last peak
- Current spell
- 50 days
- Days below latest peak
- Time below peak
- +49%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 200 recovered episodes
- Longest recovery
- 81 days
- Trough to prior peak
6 Mar 2020 – 17 Apr 2020
Trough 23 Mar 2020 · recovered in 25 days
-2.3%
7 Apr 2022 – 29 Jul 2022
Trough 9 May 2022 · recovered in 81 days
-1.1%
8 Jan 2021 – 6 Apr 2021
Trough 5 Feb 2021 · recovered in 60 days
-0.9%
2 Mar 2026 – 10 Apr 2026
Trough 2 Apr 2026 · recovered in 8 days
-0.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
56
Vs category
51
Consistency
22
Risk-adjusted
60
Drawdown
94
Mean
57
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- AUM fell by 30% or more versus the prior observation.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 19 holdings · top 10 are 74.9%.
- Top 5
- 42.1%
- Top 10
- 74.9%
- Largest holding
- 8.6%
- Effective holdings
- 14.7
BHARTI TELECOM LIMITED SR XXVI 7.45 NCD 15DC28 FVRS1LAC
Technology
8.6%
STATE DEVELOPMENT LOAN 19969 KAR 29NV27 7.65 FV RS 100
Unspecified
8.5%
360 ONE PRIME LIMITED 8.95 NCD 04JU27 FVRS1LAC
Financial
8.5%
NATIONAL HIGHWAYS AUTHORITY OF INDIA SR IV 7.49 BD 01AG29 FVRS10LAC
Industrials
8.3%
POWER FINANCE CORPORATION LIMITED SR 250A 6.61 BD 15JL28 FVRS1LAC
Financial
8.3%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Groww Short Term Fund
Groww Mutual Fund
- 1Y
- +4.9%
- 3Y
- +7.4%
- Vol
- 1.0%
- Max DD
- -1.2%
- Sharpe
- 1.52
- 3Y win
- +33%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Mahindra Manulife Short Term Fund
Mahindra Manulife Mutual Fund
- 1Y
- +4.7%
- 3Y
- +7.5%
- Vol
- 0.9%
- Max DD
- -1.1%
- Sharpe
- 0.60
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Baroda BNP Paribas Short Term Fund (the scheme has 2 segregated portfolios)
Baroda BNP Paribas Mutual Fund
- 1Y
- +4.5%
- 3Y
- +7.3%
- Vol
- 1.2%
- Max DD
- -2.1%
- Sharpe
- 1.60
- 3Y win
- +63%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Sundaram Short Term Fund (Formerly Known as Sundaram Short Duration Fund)
Sundaram Mutual Fund
- 1Y
- +4.6%
- 3Y
- +7.3%
- Vol
- 0.9%
- Max DD
- -0.7%
- Sharpe
- 0.78
- 3Y win
- +46%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Canara Robeco Short Term Fund
Canara Robeco Mutual Fund
- 1Y
- +4.5%
- 3Y
- +6.8%
- Vol
- 1.3%
- Max DD
- -2.2%
- Sharpe
- 0.95
- 3Y win
- +14%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns