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LIC MF Banking & Financial Services Fund - Regular Plan - IDCW

  • Regular
  • Direct
Category : Sectoral/Thematic
Fund House : LIC Mutual Fund
  • NAV
    : ₹ 21.6742 0.1%
    (as on 17th October, 2025)
Crisil Rating

Not Rated

Rank not available for the fund
Risk-O-Meter
Very High Risk

The fund has 98.38% investment in domestic equities of which 31.07% is in Large Cap stocks, 8.02% is in Mid Cap stocks, 19.47% in Small Cap stocks.

Suitable For : Investors who have advanced knowledge of macro trends and prefer to take selective bets for higher returns compared to other Equity funds. At the same time, these investors should also be ready for possibility of moderate to high losses in their investments even though overall market is performing better.

This Scheme
VS
  • Benchmark
    Nifty Financial Services TRI
  • NA
  • NA
  • Gold
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Returns (NAV as on 17th October, 2025)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 10-Oct-25 10149.10 1.49% - 0.84% 64/239
1 Month 17-Sep-25 10327.00 3.27% - 0.12% 15/237
3 Month 17-Jul-25 10021.40 0.21% - 1.18% 135/229
6 Month 17-Apr-25 10939.30 9.39% - 10.67% 111/224
YTD 01-Jan-25 11301.80 13.02% - 3.73% 24/213
1 Year 17-Oct-24 10974.70 9.75% 9.75% 0.26% 28/196
2 Year 17-Oct-23 12227.00 22.27% 10.56% 18.53% 143/152
3 Year 17-Oct-22 14461.60 44.62% 13.07% 20.02% 119/127
5 Year 16-Oct-20 23014.60 130.15% 18.12% 22.47% 72/103
10 Year 16-Oct-15 23125.60 131.26% 8.74% 14.07% 74/76
Since Inception 27-Mar-15 21674.20 116.74% 7.59% 12.71% 166/217

SIP Returns (NAV as on 17th October, 2025)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 17-Oct-24 12000 13208.34 10.07 % 19.13 %
2 Year 17-Oct-23 24000 27059.77 12.75 % 11.99 %
3 Year 17-Oct-22 36000 43332.98 20.37 % 12.4 %
5 Year 16-Oct-20 60000 83593.89 39.32 % 13.22 %
10 Year 16-Oct-15 120000 212528.82 77.11 % 11 %
 

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 : 51.00%  |   Category average turnover ratio is 188.47%  
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 : 98.38% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 98.38%
No of Stocks : 33 (Category Avg - 44.42) | Large Cap Investments : 31.07%| Mid Cap Investments : 8.02% | Small Cap Investments : 19.47% | Other : 39.81%

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 1M Change in Qty
HDFC Bank Ltd. Private sector bank 549.2 20.30% 0.91% 23.86% (Nov 2024) 19.38% (Aug 2025) 5.77 L 33.99 k
ICICI Bank Ltd. Private sector bank 347.8 12.85% 0.57% 13.08% (Apr 2025) 10.78% (Nov 2024) 2.58 L 23.46 k
Axis Bank Ltd. Private sector bank 187.9 6.94% 0.44% 8.04% (Feb 2025) 6.44% (Jul 2025) 1.66 L 0.00
Kotak Mahindra Bank Ltd. Private sector bank 179.6 6.64% 0.02% 6.84% (Jun 2025) 3% (Oct 2024) 90.15 k 0.00
State Bank Of India Public sector bank 125.5 4.64% 0.28% 8.68% (Jan 2025) 4.19% (Jul 2025) 1.44 L -0.97 k
Mas Financial Services Ltd. Non banking financial company (nbfc) 121.6 4.49% -0.19% 4.88% (Jun 2025) 1.47% (Oct 2024) 4.03 L 0.00
SBI Cards and Payment Services Ltd. Non banking financial company (nbfc) 104.1 3.85% 0.27% 3.85% (Sep 2025) 1.5% (Dec 2024) 1.19 L 0.00
Power Finance Corporation Ltd. Financial institution 89.5 3.31% 0.20% 3.79% (Jun 2025) 2.84% (Feb 2025) 2.18 L 0.00
Shriram Finance Ltd. Non banking financial company (nbfc) 84.1 3.11% 0.14% 3.11% (Sep 2025) 1.8% (Jan 2025) 1.37 L 0.00
CreditAccess Grameen Ltd. Microfinance institutions 83.3 3.08% -0.25% 3.33% (Aug 2025) 2.33% (Nov 2024) 61.59 k -1.94 k
- indicates change in weight in the portfolio. # indicates a new entry.
Name Type of Instrument Weight (%)
TREPS TREPS 1.90%
Net Receivables Net Receivables -0.28%

Risk Ratios

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

  • Standard Deviation

    High volatility
    12.7vs12.57
    Category Avg
  • Beta

    High volatility
    0.89vs0.86
    Category Avg
  • Sharpe Ratio

    Poor risk adjusted returns
    0.53vs1.01
    Category Avg
  • Treynor's Ratio

    Poor risk adjusted returns
    0.08vs0.18
    Category Avg
  • Jensen's Alpha

    Poor risk adjusted returns
    -1.71vs3.66
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Nippon India Taiwan Equity Fund - Regular Plan - Growth NA 406.67 1.64 22.45 80.15 39.37 39.86
Aditya Birla Sun Life International Equity Fund - Regular Plan - Growth NA 266.19 0.03 7.52 25.09 23.94 19.64
Franklin Asian Equity Fund - Growth NA 279.13 1.98 10.78 26.48 17.44 15.90
Nippon India Japan Equity Fund - Growth NA 289.73 -1.11 10.80 17.31 16.59 19.11
DSP Banking & Financial Services Fund - Regular Plan - Growth NA 1419.62 3.43 2.82 9.76 15.66 0.00
SBI Banking & Financial Services Fund - Regular Plan - Growth NA 8693.07 3.13 2.45 10.22 15.56 20.00
HDFC Transportation and Logistics Fund - Regular Plan - Growth NA 1651.55 -0.73 10.48 30.58 14.69 0.00
Motilal Oswal Business Cycle Fund - Regular Plan - Growth NA 1984.52 -1.74 2.61 12.61 14.58 0.00
ITI Banking and Financial Services Fund - Regular Plan - Growth NA 311.03 4.24 2.02 6.75 14.32 14.62
WhiteOak Capital Banking & Financial Services Fund - Regular Plan - Growth NA 483.64 1.78 1.72 7.71 13.14 0.00

More Funds from LIC 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 6.65 6.96
LIC MF Money Market Fund - Regular Plan - Growth NA 3130.05 0.51 1.44 3.34 6.73 6.37
LIC MF Large & Mid Cap Fund - Growth 3 3046.84 -0.36 -0.53 8.11 -1.04 16.89
LIC MF Nifty 8-13 yr G-Sec ETF NA 2248.29 0.39 0.26 1.86 8.02 8.69
LIC MF Nifty 8-13 yr G-Sec ETF NA 2248.29 0.41 0.32 1.93 8.19 8.90
LIC MF Banking & PSU Fund - Growth 3 1909.36 0.87 1.21 3.14 7.93 7.52
LIC MF Multi Cap Fund - Regular Plan - Growth NA 1715.77 0.62 1.36 12.69 1.44 0.00
LIC MF Low Duration Fund - Growth 3 1705.18 0.55 1.37 3.19 7.14 6.91
LIC MF Low Duration Fund - Growth 3 1705.18 0.53 1.46 3.41 7.53 7.54
LIC MF Large Cap Fund - Growth 2 1445.32 0.33 0.60 5.83 1.16 12.99

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