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EquitySectoral/ ThematicDirect · Growth

LIC MF Consumption Fund-Direct Plan-Growth

LIC · Scheme 153948

₹9.50▼ 1.82%NAV · 2026-09-19
65
Decent FundScore
Start SIP
AUM
₹479 cr
Expense ratio
1.18%
3Y CAGR
—
Risk level
High
Min SIP
₹200
Benchmark
Nifty 500 TRI
Fund manager: Sumit BhatnagarExit load: Exit Load for units in excess of 12% of the investment,1% will be charged for redemption within 90 days.
Decent · 65/100

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

🎯 For aggressive investors with a 7+ year horizon who can tolerate sharp ups and downs.

📈 Why it could do well

  • ✓Protects capital well — worst-ever fall was only 15%.
  • ✓Alpha vs benchmark: +13.7%
  • ✓Volatility: 15% annualised
  • ✓Max drawdown: -15%

📉 What could drag it down

  • •Weak risk-adjusted returns (Sharpe -0.82) — took on risk without enough payoff.
  • •Sectoral/ Thematics are inherently higher-risk — best held 7+ years to ride out swings.
  • •Short track record — not enough history yet to judge long-term performance; treat the score as provisional.
  • •Sharpe ratio: -0.82
  • •Sortino ratio: -1.14

FundScore breakdown

65/100 · Decent
How it works →
50
Returns
Average
50
Consistency
Average
37
Risk-adjusted
Weak
96
Downside protection
Excellent
62
Cost efficiency
Decent
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.