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DebtBanking and PSU FundDirect · Growth

LIC MF Banking & PSU Fund-Direct Plan-Growth

LIC · Scheme 120338

₹40.03▼ 0.04%NAV · 2026-09-18
66
Decent FundScore
Start SIP
AUM
₹1,869 cr
Expense ratio
0.28%
3Y CAGR
7.5%
Risk level
Low
Min SIP
₹200
Benchmark
CRISIL Banking and PSU Debt Index
Fund manager: Marzban IraniExit load: Nil
Decent · 66/100

A solid option with a few areas worth a closer look.

🎯 Suited to short-to-medium horizons and investors wanting stability over growth.

📈 Why it could do well

  • ✓Very consistent — delivers dependably across market cycles, ideal for SIPs.
  • ✓Protects capital well — worst-ever fall was only 3%.
  • ✓Low volatility (1% a year) — a steady, low-drama ride.
  • ✓Low cost — 0.28% expense ratio means more of the return stays with you.
  • ✓Positive 3Y windows: 100% of rolling 3Y windows positive

📉 What could drag it down

  • •3Y CAGR: +7.5%
  • •5Y CAGR: +6.3%

FundScore breakdown

66/100 · Decent
How it works →
31
Returns
Weak
78
Consistency
Strong
53
Risk-adjusted
Average
100
Downside protection
Excellent
90
Cost efficiency
Excellent
50
Portfolio quality
Average

Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.

SIP return calculator

Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.