LIC MF Equity Savings Fund - IDCW - Quarterly

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Equity Savings

Fund House : IDBI Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 20.959 0.02%
(as on 17th October, 2025)

Crisil Rating

Relatively weak performance among peers

Fund Size

: ₹ 29.82 Cr

(0.06% of Investment in Category)

Expense Ratio

: 2.33%

(1.65% Category average)

Risk-O-Meter

Moderately High Risk

Equity Savings :Equity Savings : The fund has 71.54% investment in domestic equities of which 35.08% is in Large Cap stocks, 11.94% is in Mid Cap stocks, 10.11% in Small Cap stocks.

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This Scheme

VS

Nifty Equity Savings Index

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6.53%
NA
0.65%

1.53%

5.38%

5.09%

10.29%

10.56%

7.79%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 16th October, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	09-Oct-25	10055.80	0.56%	-	0.47%	9/26
1 Month	16-Sep-25	10011.70	0.12%	-	0.61%	24/26
3 Month	16-Jul-25	10079.50	0.80%	-	1.48%	20/24
6 Month	16-Apr-25	10582.40	5.82%	-	5.33%	9/24
YTD	01-Jan-25	10707.70	7.08%	-	5.34%	2/23
1 Year	16-Oct-24	10692.30	6.92%	6.92%	5.04%	3/23
2 Year	16-Oct-23	12224.20	22.24%	10.55%	10.27%	13/23
3 Year	14-Oct-22	13393.70	33.94%	10.20%	10.41%	16/23
5 Year	16-Oct-20	16150.10	61.50%	10.06%	10.55%	14/23
10 Year	16-Oct-15	19303.80	93.04%	6.79%	8.20%	13/15
Since Inception	07-Mar-11	28144.50	181.45%	7.33%	7.72%	19/24

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 16th October, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	16-Oct-24	12000	12638.3	5.32 %	9.99 %
2 Year	16-Oct-23	24000	26349.28	9.79 %	9.25 %
3 Year	14-Oct-22	36000	41912.66	16.42 %	10.12 %
5 Year	16-Oct-20	60000	75523.36	25.87 %	9.13 %
10 Year	16-Oct-15	120000	182215.49	51.85 %	8.09 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.

Portfolio (Updated on 30th Sep,2025)

Portfolio Turnover Ratio : 78.00% | Category average turnover ratio is 771.71%

Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)

Equity Holding : 71.54% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 71.54%

No of Stocks : 71 (Category Avg - 79.60) | Large Cap Investments : 35.08%| Mid Cap Investments : 11.94% | Small Cap Investments : 10.11% | Other : 14.41%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity
Tata Steel Ltd.	Iron & steel products	8.4	2.80%	0.11%	3.99% (Mar 2025)	2.69% (Aug 2025)	49.50 k
Bank Of Baroda	Public sector bank	7.6	2.54%	0.14%	3.78% (Apr 2025)	2.4% (Aug 2025)	29.25 k
Ultratech Cement Ltd.	Cement & cement products	6.1	2.05%	-0.17%	3.01% (Apr 2025)	2.05% (Sep 2025)	500.00
Tata Consultancy Services Ltd.	Computers - software & consulting	6.1	2.03%	-0.24%	4.44% (Nov 2024)	2.03% (Sep 2025)	2.10 k
Hindustan Unilever Ltd.	Diversified fmcg	6	2.02%	-0.22%	2.99% (Oct 2024)	2.02% (Sep 2025)	2.40 k
Ashok Leyland Ltd.	Commercial vehicles	5.7	1.91%	0.13%	2.45% (Jun 2025)	1.67% (Jul 2025)	40.00 k
Infosys Ltd.	Computers - software & consulting	5.2	1.74%	-0.12%	3.42% (Dec 2024)	1.74% (Sep 2025)	3.60 k
Hero Motocorp Ltd.	2/3 wheelers	4.9	1.65%	0.04%	1.65% (Sep 2025)	0% (Oct 2024)	900.00
National Aluminium Co. Ltd.	Aluminium	4.8	1.61%	0.14%	2.7% (Nov 2024)	1.43% (Jul 2025)	22.50 k
Maruti Suzuki India Ltd.	Passenger cars & utility vehicles	4.8	1.61%	0.05%	1.61% (Sep 2025)	0% (Oct 2024)	300.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	16.42%
MF Units	MF Units	11.85%
Net Receivables	Net Receivables	0.19%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th September, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

5.93vs3.57

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

0.81vs0.5

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.64vs1

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.05vs0.08

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

0.5vs1.43

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Edelweiss Equity Savings Fund - Regular Plan - Growth	NA	946.86	1.02	2.30	6.62	7.80	11.77
Aditya Birla Sun Life Equity Savings Fund - Regular Plan - Growth	NA	911.51	0.72	1.90	5.44	7.41	9.48
LIC MF Equity Savings Fund - Growth	1	29.82	0.12	0.79	5.82	6.92	10.20
ICICI Prudential Equity Savings Fund - Growth	NA	16487.15	0.48	1.19	4.66	6.70	9.15
Mirae Asset Equity Savings Fund - Growth	NA	1669.56	0.77	0.92	6.41	6.01	11.65
Tata Equity Savings Fund - Regular Plan - Growth	2	270.01	0.57	1.02	4.06	5.81	10.29
Kotak Equity Savings Fund - Growth	NA	8782.37	1.11	2.60	6.76	5.67	12.29
PGIM India Equity Savings Fund - Growth	3	70.80	0.64	1.33	3.68	5.63	7.40
Bandhan Equity Savings Fund - Regular Plan - Growth	NA	354.94	0.52	1.22	3.27	5.47	7.96
Franklin India Equity Savings Fund - Growth	NA	656.87	0.73	1.62	4.04	5.46	8.68

Detailed Comparison

More Funds from IDBI Mutual Fund

Out of 45 mutual fund schemes offered by this AMC, 2 is/are ranked 4 * , 10 is/are ranked 3 * , 10 is/are ranked 2 * , 5 is/are ranked 1 * , and 18 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
LIC MF Liquid Fund - Regular Plan - Growth	2	11402.57	0.47	1.40	2.96	6.66	6.96
LIC MF Money Market Fund - Regular Plan - Growth	NA	3130.05	0.53	1.44	3.35	6.73	6.37
LIC MF Large & Mid Cap Fund - Growth	3	3046.84	0.05	-0.59	9.06	-2.63	17.08
LIC MF Nifty 8-13 yr G-Sec ETF	NA	2248.29	0.61	0.40	2.07	7.97	8.85
LIC MF Nifty 8-13 yr G-Sec ETF	NA	2248.29	0.62	0.45	2.15	8.15	9.06
LIC MF Banking & PSU Fund - Growth	3	1909.36	0.91	1.21	3.21	7.84	7.53
LIC MF Multi Cap Fund - Regular Plan - Growth	NA	1715.77	0.85	1.41	13.59	-0.36	0.00
LIC MF Low Duration Fund - Growth	3	1705.18	0.56	1.46	3.42	7.54	7.54
LIC MF Low Duration Fund - Growth	3	1705.18	0.55	1.37	3.20	7.13	6.91
LIC MF Large Cap Fund - Growth	2	1445.32	0.26	-0.08	6.99	-0.24	13.01