MonitorDirect · GrowthWatch before adding
LIC MF Value Fund
LIC Mutual FundEquity Scheme - Value Fund3.3 years
The Scheme seeks to generate long-term capital appreciation along with regular income by investing predominantly in equity and equity related instruments by following value investing strategy.
- NAV
- 29.7116
- 29 Oct 2026
- 1Y
- +11.5%
- Trailing CAGR
- Upside capture
- +126%
- Vs NIFTY 500 TRI
- Downside capture
- +101%
- Lower is better
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 · The fund beat the category median in 100% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Prefer peers if · Prefer Baroda BNP Paribas Value Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Watch
3.3 years - usable, still building a track record.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Watch
1.78% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -25.2%. Ask whether you can hold through a similar fall.
Vs category
Pass
100% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Mahesh Bendre · 2.3 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
Pass
Top 10 holdings ≈ 45.5% 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.
Drawdown rehearsal
This scheme’s worst fall on file is about 25%. 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.
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+11.5%
- 3Y+16.6%
- 5Yn/a
- 10Yn/a
- SI+15.3%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+13.1%
- 3Y+10.7%
- 5Yn/a
- 10Yn/a
- Since inception
- +15.3%
- Calendar-day CAGR
- Excess 1Y
- +18.8%
- Category median, same plan and option
- 3Y win rate
- +100%
- Windows beating the median
- 3Y percentile
- 92
- Vs comparable share classes
- SIP 3Y XIRR
- +10.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +15.2%
- 62 daily-ending windows
- Median rolling 3Y
- +17.4%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Official benchmark
Date-aligned against NIFTY 500 TRI. Capture ratios use common month-end observations through 30 Oct 2026.
- 1Y excess
- +19.1%
- Fund minus TRI
- 3Y excess
- +6.2%
- Fund minus TRI
- Upside capture
- +126%
- Benchmark-up months
- Downside capture
- +101%
- Lower is better
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -25.2%
- Worst peak-to-trough
- Current
- -6.8%
- Below last peak
- Current spell
- 36 days
- Days below latest peak
- Time below peak
- +85%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 15 days
- 46 recovered episodes
- Longest recovery
- 469 days
- Trough to prior peak
17 Dec 2024 – 15 Jun 2026
Trough 3 Mar 2025 · recovered in 469 days
-25.2%
27 Sept 2024 – 6 Dec 2024
Trough 13 Nov 2024 · recovered in 23 days
-10.4%
23 Sept 2026 – open
Trough 23 Oct 2026 · not recovered
-9.5%
15 Sept 2023 – 21 Nov 2023
Trough 26 Oct 2023 · recovered in 26 days
-6.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
92
Vs category
100
Consistency
75
Risk-adjusted
55
Drawdown
37
Mean
72
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
No status reasons yet. History is still thin.
Supporting reads
- The fund beat the category median in 100% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 51 holdings · top 10 are 45.5%.
- Top 5
- 29.5%
- Top 10
- 45.5%
- Largest holding
- 9.7%
- Effective holdings
- 27.1
Repo
Unspecified
9.7%
INDO-MIM Ltd.
Industrials
7.7%
Tata Motors Ltd
Consumer Discretionary
5.0%
Kirloskar Brothers Ltd
Industrials
3.6%
HDFC Bank Ltd
Financial
3.5%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Baroda BNP Paribas Value Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- -7.1%
- 3Y
- +8.8%
- Vol
- 14.2%
- Max DD
- -19.8%
- Sharpe
- 0.28
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
DSP Value Fund
DSP Mutual Fund
- 1Y
- +0.3%
- 3Y
- +16.3%
- Vol
- 10.7%
- Max DD
- -16.5%
- Sharpe
- 0.98
- 3Y win
- +40%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
ITI Value Fund
ITI Mutual Fund
- 1Y
- -6.4%
- 3Y
- +11.3%
- Vol
- 15.8%
- Max DD
- -22.7%
- Sharpe
- 0.38
- 3Y win
- +69%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Quant Value Fund
quant Mutual Fund
- 1Y
- +4.6%
- 3Y
- +19.7%
- Vol
- 19.5%
- Max DD
- -24.0%
- Sharpe
- 0.65
- 3Y win
- +99%
- Shallower drawdown
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
Bandhan Value Fund
Bandhan Mutual Fund
- 1Y
- -6.3%
- 3Y
- +10.3%
- Vol
- 16.0%
- Max DD
- -51.9%
- Sharpe
- 0.63
- 3Y win
- +69%
- Lower volatility
- Lower TER
Caveat: Deeper drawdown · Lower trailing returns