LIC MF Children's Fund
LIC Mutual Fund · Children's · Direct plan, growth option
NAV (₹), 1 Oct 2026
37.4298
1-day change
-0.91%
1Y return
3.8%
3Y CAGR
8.4%
5Y CAGR
7.5%
Max drawdown, 5Y
−19.5%
NAV history month-end NAV, ₹ · 16 Jan 2013 to 1 Oct 2026
Returns vs Children's median (13 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -4.5% | -4.7% |
| 3 months | 0.2% | -2.6% |
| 6 months | 14.1% | 5.2% |
| Year to date | 2.1% | -4.2% |
| 1 year | 3.8% | -1.6% |
| 3 years (CAGR) | 8.4% | 8.0% |
| 5 years (CAGR) | 7.5% | 7.5% |
| 7 years (CAGR) | 10.4% | 11.8% |
| 10 years (CAGR) | 8.4% | 10.4% |
| Since first NAV (CAGR) | 9.8% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 9.4% | 10.2% |
| 3Y rolling median | 11.1% | 13.5% |
| 3Y rolling worst | -6.9% | -1.6% |
| 3Y periods positive | 97% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 9.3% | 12.9% |
| 5Y rolling worst | -1.7% | 2.6% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 15.3% | 14.9% |
| Sharpe ratio | 0.16 | 0.19 |
| Sortino ratio | 0.22 | 0.26 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −31.2% | −27.1% |
| Maximum drawdown, last 10Y | −31.2% | −28.9% |
| Maximum drawdown, last 5Y | −19.5% | −18.1% |
| Current drawdown | −5.6% | −5.7% |
| Recovery time of worst fall | 227 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.84% a year and the Direct plan's 2.10%, a gap of 0.74%; over the last 3 years the Direct plan returned 0.89 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹14,95,117.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 1 Oct 2026: TER reduced from 2.16% to 2.10% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Siddharth Panjwani | 26 Sep 2023 | |
| Pratik Harish Shroff | 1 Jul 2026 |
Objective: The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportunities by investing in a portfolio constituted of equity securities & equity related securities and the secondary objective is to generate consistent returns by investing in debt and money market securities. There is no assurance that the investment objective of the Scheme will be achieved.
Stated asset allocation: Under normal circumstances, the asset allocation of the Scheme would be as follows: Equity and Equity related instruments * - 65% to 90% of total assets Debt and Money Market Instruments * - 10% to 35% of total assets Units issued by InviTs* - 0% to 10% of total assets *The cumulative gross exposure to equity, debt, derivatives positions, repo in corporate debt securities, InviT and such other securities/assets as may be permitted by SEBI from time to time will not exceed 100% of the net assets of the scheme in accordance with Clause 12.24 of SEBI Master Circular SEBI/HO/IMD/IMD-PoD1/P/CIR/2023/74 dated May 19, 2023. Please refer the Scheme Information Document for complete details.
Benchmark (tier 1): CRISIL Hybrid 35 + 65 - Aggressive Index - Total Return Index (TRI)
Exit load: Nil (Lock-in Period:- Lock-in-period for at least 5 years or till the child attains age of majority whichever is earlier
Minimum application: ₹5,000
Allotment date: 16 Oct 2001
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 2.10% | 1.45% |
| AUM, whole scheme (₹ crore) | n/a | 755 |
| Riskometer | n/a | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Month-ends above category median (3Y CAGR) | 4% | 46% median |
| Month-ends in category top quartile (3Y) | 0% | 33% median |
| 7Y rolling CAGR, median (monthly windows) | 9.5% | 12.0% median |
Category consistency: last 10 years of month-ends, Children's Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 2.1% | n/a | – |
| 2025 | -4.2% | n/a | – |
| 2024 | 19.6% | n/a | – |
| 2023 | 22.6% | n/a | – |
| 2022 | -0.2% | n/a | – |
| 2021 | 16.7% | n/a | – |
| 2020 | 13.5% | n/a | – |
| 2019 | 13.9% | n/a | – |
| 2018 | -7.0% | n/a | – |
| 2017 | 15.0% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,23,926 | 6.1% |
| 3 years | ₹3,60,000 | ₹3,85,679 | 4.5% |
| 5 years | ₹6,00,000 | ₹7,30,924 | 7.8% |
| 10 years | ₹12,00,000 | ₹19,45,999 | 9.3% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: LIC Mutual Fund
Category: Children's
Plan / option: Direct · Growth
AMFI scheme code: 120285
ISIN: INF767K01FB1
First NAV in MFIC data: 16 Jan 2013
History: 13.7 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Union Children's Fund | Children's | 0.94 | n/a |
| Union Retirement Fund | Retirement | 0.94 | 11.6% |
| Baroda BNP Paribas Retirement Fund | Retirement | 0.94 | n/a |
| PGIM India Retirement Fund | Retirement | 0.94 | n/a |
| ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA | Children's | 0.94 | 9.5% |
| Aditya Birla Sun Life Retirement Fund-The 30s Plan | Retirement | 0.94 | 15.1% |
Questions about LIC MF Children's Fund
- What is the latest NAV of LIC MF Children's Fund?
- The NAV of the Direct plan (growth option) was ₹37.4298 on 1 Oct 2026, as published by AMFI.
- Which category is LIC MF Children's Fund in?
- It is classified as Children's in AMFI's daily NAV file. MFIC compares it with 13 Children's schemes (Direct plans).
- What returns has LIC MF Children's Fund delivered?
- Over one year the NAV changed by 3.8%. The 3-year CAGR is 8.4% (category median 8.0%) and the 5-year CAGR is 7.5% (category median 7.5%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 11.1%, the lowest was -6.9%, and 97% of 3-year periods ended with a gain.
- What was the largest fall in LIC MF Children's Fund's NAV?
- The largest peak-to-trough fall in its available history was 31.2%; within the last five years it was 19.5% (category median 18.1%).
- How volatile is LIC MF Children's Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 15.3%, which is above the Children's category median of 14.9%.
- What would a monthly SIP in LIC MF Children's Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,30,924 on 1 Oct 2026, an annualised return (XIRR) of 7.8%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of LIC MF Children's Fund?
- The total expense ratio of the Direct plan is 2.10% a year, as disclosed to AMFI (median of Children's Direct plans: 1.45%). It is already deducted from the NAV, so every return shown is after expenses.
- How often has LIC MF Children's Fund beaten its category?
- At 4% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Children's schemes (Direct plans); it was in the top quarter at 0% of them. A typical scheme would show about 50%.
- Who manages LIC MF Children's Fund?
- According to its Scheme Summary Document, LIC MF Children's Fund is managed by Siddharth Panjwani (since 26 Sep 2023), Pratik Harish Shroff (since 1 Jul 2026).
- What is the exit load of LIC MF Children's Fund?
- As stated in its scheme documents: Nil (Lock-in Period:- Lock-in-period for at least 5 years or till the child attains age of majority whichever is earlier Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in LIC MF Children's Fund?
- The minimum application amount is ₹5,000. SIP details: SIP Details - 100, 150,200, 1000 | SWP Details - 500,500,500,500 | STP Details - 100, 500, 500, 500.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 3.8% and the Regular plan's by 3.0%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund Distributor.
Follow LIC MF Children's Fund by email
Every Monday: this scheme's NAV, 1-month and 1-year return beside its category median, 3-year CAGR and how far it is below its peak. Add more schemes from their pages or from your MFIC watchlist. Free; unsubscribe from any email.
Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Direct plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.