MonitorDirect · IDCWWatch before adding
LIC MF Unit Linked Insurance Scheme (ULIS)
LIC Mutual FundEquity Scheme - ELSS11.4 years
- NAV
- 39.2786
- 30 Oct 2026
- 1Y
- -4.8%
- Trailing CAGR
- AUM
- ₹7,000
- 30 Jun 2026
- Volatility
- Medium
- 12.4% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · AUM fell by 30% or more versus the prior observation.
Prefer peers if · Prefer Baroda BNP Paribas ELSS Tax Saver Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
11.4 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Watch
1.80% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -31.0%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / lock-in
Watch
ELSS locks each installment for 3 years. Useful only if 80C is open on the old regime - otherwise locked equity.
Portfolio concentration
n/a
Holdings weights not on file for this scheme yet.
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.
Drawdown rehearsal
This scheme’s worst fall on file is about 31%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
ELSS lock-in
Every installment locks for 3 years. Only useful if 80C is still open on the old regime - otherwise it is locked equity, not a tax cut.
IDCW vs Growth
IDCW pays out and usually slows compounding. For multi-year wealth jobs, Growth is the default FA stance.
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-4.8%
- 3Y+7.1%
- 5Y+6.2%
- 10Y+9.9%
- SI+9.3%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-2.9%
- 3Y+1.3%
- 5Y+5.5%
- 10Y+9.2%
- Since inception
- +9.3%
- Calendar-day CAGR
- Excess 1Y
- n/a
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- +1.3%
- Simulated monthly SIP
- Worst rolling 3Y
- -1.3%
- 2062 daily-ending windows
- Median rolling 3Y
- +11.4%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1577 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -31.0%
- Worst peak-to-trough
- Current
- -6.8%
- Below last peak
- Current spell
- 486 days
- Days below latest peak
- Time below peak
- +88%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 14 days
- 128 recovered episodes
- Longest recovery
- 255 days
- Trough to prior peak
12 Feb 2020 – 3 Dec 2020
Trough 23 Mar 2020 · recovered in 255 days
-31.0%
6 Aug 2015 – 6 Sept 2016
Trough 25 Feb 2016 · recovered in 194 days
-16.5%
17 Jan 2022 – 13 Sept 2022
Trough 17 Jun 2022 · recovered in 88 days
-14.7%
1 Jul 2025 – open
Trough 30 Mar 2026 · not recovered
-13.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
40
Vs category
n/a
Consistency
n/a
Risk-adjusted
41
Drawdown
22
Mean
35
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
No supporting reads in the current evidence set.
No holdings or recent changes on file for this scheme yet.
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Baroda BNP Paribas ELSS Tax Saver Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- -4.3%
- 3Y
- +13.9%
- Vol
- 13.9%
- Max DD
- -17.3%
- Sharpe
- 0.52
- 3Y win
- +99%
- Shallower drawdown
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
Parag Parikh ELSS Tax Saver Fund
PPFAS Mutual Fund
- 1Y
- -11.3%
- 3Y
- +8.6%
- Vol
- 13.6%
- Max DD
- -29.5%
- Sharpe
- 0.80
- 3Y win
- +80%
- Shallower drawdown
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
Sundaram ELSS Tax Saver Fund
Sundaram Mutual Fund
- 1Y
- -10.8%
- 3Y
- +8.0%
- Vol
- 13.6%
- Max DD
- -16.7%
- Sharpe
- 0.21
- 3Y win
- 0%
- Shallower drawdown
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
NAVI ELSS TAX SAVER NIFTY50 INDEX FUND
Navi Mutual Fund
- 1Y
- -10.2%
- 3Y
- +7.3%
- Vol
- 12.7%
- Max DD
- -15.5%
- Sharpe
- 0.34
- 3Y win
- 0%
- Shallower drawdown
- Higher trailing returns
Caveat: Higher volatility
Aditya Birla Sun Life ELSS Tax Saver Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- -7.5%
- 3Y
- +10.7%
- Vol
- 14.6%
- Max DD
- -35.1%
- Sharpe
- 0.53
- 3Y win
- +50%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown