Markets / Mutual funds / Medium to Long Duration
LIC Mutual Fund · Debt fund · Direct plan · IDCW
Debt fund in the Medium to Long Duration category, from LIC Mutual Fund.
Bars: this plan; the thin mark is the Medium to Long Duration average (direct plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | +0.7 | |||||||||||
| 2025 | +0.8 | +0.2 | +1.8 | +1.8 | +1.4 | -0.5 | +0.4 | -1.2 | +1.0 | +0.6 | +0.5 | +0.2 |
| 2026 | +0.1 | +0.8 | -1.3 | +1.0 | +0.2 | +2.5 | -0.1 | +0.1 | +0.1 | -0.5 | +1.1 |
Each month's change in NAV (the current month to the latest NAV).
Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.
| Share of fund | 31 Oct 2026 | 30 Sept 2026 | Change |
|---|---|---|---|
| Debt | 65.9% | 66.9% | -0.96 |
| Money market | 30.9% | 30.5% | +0.34 |
| Cash & others | 2.9% | 2.3% | +0.65 |
Change is in percentage points. Bought more and cut back list stocks whose share of the fund moved by at least 0.25 points. A share can also move because the price changed, not only because the fund traded.
| Holding | % of fund |
|---|---|
| SBI CDMDF--A2 INF0RQ622028 | 0.35% |
| Holding | % of fund |
|---|---|
| 7.48% National Bk for Agriculture & Rural Dev. ** INE261F08EO7 | 8.69% |
| HDFC Bank Ltd. ** # INE040A16IU7 | 8.51% |
| 7.3% Government of India IN0020230051 | 8.41% |
| 7.42% Power Finance Corporation Ltd. ** INE134E08NL6 | 6.05% |
| 7.65% State Government of Karnataka IN1920170090 | 6.03% |
| 7.71% Government of India IN0020260033 | 5.90% |
| 182 DAYS TBILL RED 08-04-2027 IN002026Y279 | 5.66% |
| Canara Bank ** # INE476A16K22 | 5.54% |
| 7.43% Jamnagar Utilities & Power Pvt. Ltd. ** INE936D07190 | 5.50% |
| 7.24% Government of India IN0020250075 | 5.50% |
| Small Industries Development Bk of India ** # INE556F16CF5 | 5.47% |
| 6.9% Government of India IN0020250018 | 5.14% |
| 7.71% REC Ltd. ** INE020B08EW9 | 3.06% |
| 7.92% National Highways Authority of India ** INE906B07HE2 | 3.00% |
| 6.94% Government of India IN0020260025 | 2.91% |
| 7.39% Indian Railway Finance Corporation Ltd. ** INE053F08403 | 2.90% |
| Indian Bank ** # INE562A16QE7 | 2.87% |
| Punjab National Bank ** # INE160A16UV6 | 2.83% |
| 7.79% Bajaj Finance Ltd. ** INE296A07UC7 | 2.80% |
| Treps | 2.56% |
| Net Receivables / (Payables) | 0.34% |
From the fund house's monthly portfolio (licmf.com), as on 31 Oct 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.
Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 Jul 2023).
| Fund size (average AUM, July - September 2026) | ₹175 cr across all plans · this plan ₹2.00 cr |
| Fund house | LIC Mutual Fund |
| Category | Debt · Medium to Long Duration |
| Plan | Direct |
| Option | IDCW |
| Expense ratio (TER) | Direct 0.22% · Regular 0.62% (6 Nov 2026) |
| Scheme code (AMFI) | 151988 |
| ISIN | INF397L01GA5 |
| NAV date | 6 Nov 2026 |
| Plan | NAV | 1 year |
|---|---|---|
| Direct · Growth | ₹82.6256 | +4.33% |
| Direct · IDCW | ₹19.9628 | +4.33% |
| Direct · IDCW | ₹19.9627 | +4.33% |
| Regular · Growth | ₹76.0112 | +3.79% |
| Regular · IDCW | ₹16.6613 | +3.79% |
| Regular · IDCW | ₹16.1581 | +0.66% |
| Regular · IDCW | ₹16.6612 | +3.80% |
| Fund | 1 year | 3 years (a year) |
|---|---|---|
| LIC MF Medium to Long Term Fund | +4.33% | +7.66% |
| Kotak Medium to Long Term Fund | +4.13% | +7.14% |
| ICICI Prudential Medium to Long Term Fund | +4.10% | +7.07% |
| SBI MEDIUM TO LONG TERM FUND | +4.16% | +6.90% |
| Nippon India Medium to Long Term Fund | +4.34% | +6.87% |
| Bandhan Medium to Long Term Fund | +5.34% | +6.82% |
| HDFC Medium to Long Term Fund | +3.47% | +6.79% |
| JM Medium to Long Term Fund | +2.73% | +6.59% |
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Information only, not investment advice.
₹19.9629 as of 6 Nov 2026, from AMFI's official NAV data.
1 year: 4.32%, 3 years: 7.66% a year
Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.