LIC MF Healthcare Fund
LIC Mutual Fund · Sectoral/Thematic · Direct plan, growth option
NAV (₹), 1 Oct 2026
36.4119
1-day change
-0.18%
1Y return
13.8%
3Y CAGR
20.9%
5Y CAGR
n/a
Max drawdown, 5Y
n/a
NAV history month-end NAV, ₹ · 31 Jul 2023 to 1 Oct 2026
Returns vs Sectoral/Thematic median (253 schemes) and “Healthcare & pharma” median (19)
| Period | Scheme | Category median | Healthcare & pharma median |
|---|---|---|---|
| 1 month | -4.4% | -5.4% | -3.1% |
| 3 months | 3.9% | -2.8% | 3.0% |
| 6 months | 21.3% | 8.9% | 21.7% |
| Year to date | 13.9% | -2.0% | 17.3% |
| 1 year | 13.8% | 1.4% | 17.5% |
| 3 years (CAGR) | 20.9% | 13.0% | 20.8% |
| 5 years (CAGR) | n/a | 12.0% | 15.3% |
| 7 years (CAGR) | n/a | 17.0% | 24.9% |
| 10 years (CAGR) | n/a | 14.6% | 14.7% |
| Since first NAV (CAGR) | 20.3% | – | – |
“Healthcare & pharma” is MFIC's grouping of Sectoral/Thematic schemes by the theme or index in their names, not an AMFI category.
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 14.9% | 11.8% |
| 3Y rolling median | 22.6% | 17.5% |
| 3Y rolling worst | 20.9% | 3.0% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | 100% | 84% |
| 5Y rolling median | n/a | 15.6% |
| 5Y rolling worst | n/a | 1.8% |
| 5Y periods ahead of benchmark | n/a | 91% |
Benchmark: Nifty 500 (proxy: Motilal Oswal Nifty 500 Index Fund, price return).
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 16.1% | 16.7% |
| Sharpe ratio | 0.99 | 0.42 |
| Sortino ratio | 1.69 | 0.63 |
| Beta | 0.74 | 0.96 |
| Alpha (ann.) | 13.4% | 3.7% |
| Upside capture | 120.06 | 106.94 |
| Downside capture | 63.05 | 95.17 |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −15.1% | −23.1% |
| Maximum drawdown, last 10Y | n/a | −38.3% |
| Maximum drawdown, last 5Y | n/a | −22.3% |
| Current drawdown | −5.4% | −8.3% |
| Recovery time of worst fall | 432 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Market context from Integrato Market Intelligence
This scheme invests mainly in the markets below, which are also close to how many of them are benchmarked. Where those markets stand today:
26,311.55 −0.48%
NSE close, 1 Oct 2026
- P/E 40.7: higher than 94% of days since 2023 (median 34.6)
- 1Y +21.5% · 3Y +19.9% p.a. · 5Y +13.1% p.a. (index fund NAV, after costs)
- −3.2% from its 52-week high
16,095.55 −0.26%
NSE close, 1 Oct 2026
- P/E 41.9: higher than 78% of days since 2023 (median 39.1)
- 1Y +12.4% · 3Y n/a p.a. · 5Y n/a p.a. (index fund NAV, after costs)
- −5.0% from its 52-week high (proxy NAV)
21,857.75 −0.97%
NSE close, 1 Oct 2026
- P/E 21.6: higher than 1% of days since 2023 (median 24.2)
- 1Y −3.9% · 3Y +8.9% p.a. · 5Y +8.6% p.a. (index fund NAV, after costs)
- −9.3% from its 52-week high
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.68% a year and the Direct plan's 1.38%, a gap of 1.30%; over the last 3 years the Direct plan returned 1.52 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 ₹27,82,151.
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 increased from 1.37% to 1.38% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Sudhanshu Asthana | Primary | 1 Apr 2026 |
| Dhaval Sangoi | Comanage | 1 Sep 2026 |
Objective: The objective of the Scheme is to achieve long term capital appreciation by predominantly investing in equity and equity related instruments of companies engaged in Healthcare and Allied sectors. 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 & Equity related instruments of companies engaged in Healthcare and Allied sectors - 80% to 100% of total assets Equity & Equity related instruments of companies engaged in other than Healthcare and Allied sectors, Money market instruments, other liquid instruments, INVITs and mutual fund units including Gold / Silver ETFs - 0% to 20% of total assets. Please refer the Scheme Information Document for complete details.
Benchmark (tier 1): BSE Healthcare - TRI
Exit load: Nil, If units of the Scheme are redeemed or switched out up to 12% of the units (the limit) within 90 days from the date of allotment. 1% of the applicable NAV, If units of the scheme are redeemed or switched out in excess of the limit within 90 days from the date of allotment. Nil, If units of scheme are redeemed or switched out after 90 days from the date of allotment.
Minimum application: ₹5,000
Allotment date: 28 Feb 2019
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 | 1.38% | 1.15% |
| AUM, whole scheme (₹ crore) | 99 | 1,272 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 14.9% | 16.8% TRI |
| Return, 3 years (AMFI) | 20.9% | 21.3% TRI |
| Return, 5 years (AMFI) | 12.2% | 14.6% TRI |
Official benchmark: BSE Healthcare TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Sectoral/Thematic Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Nifty 500 proxy | Difference |
|---|---|---|---|
| 2026 YTD | 13.9% | -7.8% | +21.7% |
| 2025 | -3.2% | 7.7% | −10.9% |
| 2024 | 43.9% | 15.6% | +28.3% |
Benchmark proxy: Motilal Oswal Nifty 500 Index Fund (Direct plan NAV, price return), which carries its own costs. 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 | ₹1,32,645 | 20.1% |
| 3 years | ₹3,60,000 | ₹4,50,009 | 15.0% |
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: Sectoral/Thematic
Plan / option: Direct · Growth
AMFI scheme code: 152024
ISIN: INF397L01LK4
First NAV in MFIC data: 31 Jul 2023
History: 3.2 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 |
|---|---|---|---|
| HDFC Pharma and Healthcare Fund | Sectoral/Thematic | 0.97 | 30.2% |
| ITI Pharma and Healthcare Fund | Sectoral/Thematic | 0.97 | 18.9% |
| UTI - Healthcare Fund | Sectoral/Thematic | 0.96 | 22.5% |
| Tata India Pharma & Healthcare Fund | Sectoral/Thematic | 0.96 | 18.3% |
| Mirae Asset Healthcare Fund | Sectoral/Thematic | 0.95 | 21.8% |
| DSP Healthcare Fund | Sectoral/Thematic | 0.95 | 20.7% |
Questions about LIC MF Healthcare Fund
- What is the latest NAV of LIC MF Healthcare Fund?
- The NAV of the Direct plan (growth option) was ₹36.4119 on 1 Oct 2026, as published by AMFI.
- Which category is LIC MF Healthcare Fund in?
- It is classified as Sectoral/Thematic in AMFI's daily NAV file; a Sectoral/Thematic scheme invests at least 80% in one sector or theme. MFIC compares it with 253 Sectoral/Thematic schemes (Direct plans).
- What returns has LIC MF Healthcare Fund delivered?
- Over one year the NAV changed by 13.8%. The 3-year CAGR is 20.9% (category median 13.0%). 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 22.6%, the lowest was 20.9%, and 100% of 3-year periods ended with a gain. It was ahead of Nifty 500 (index-fund proxy) in 100% of those periods.
- What was the largest fall in LIC MF Healthcare Fund's NAV?
- The largest peak-to-trough fall in its available history was 15.1%.
- How volatile is LIC MF Healthcare Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 16.1%, which is below the Sectoral/Thematic category median of 16.7%.
- What would a monthly SIP in LIC MF Healthcare Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 3 years (36 instalments, ₹3,60,000 invested) would have been worth about ₹4,50,009 on 1 Oct 2026, an annualised return (XIRR) of 15.0%. 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 Healthcare Fund?
- The total expense ratio of the Direct plan is 1.38% a year, as disclosed to AMFI (median of Sectoral/Thematic Direct plans: 1.15%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is LIC MF Healthcare Fund?
- Assets under management of the whole scheme were ₹99 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of LIC MF Healthcare Fund?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “Very High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of LIC MF Healthcare Fund and how has it compared?
- Its official benchmark is the BSE Healthcare TRI. Over 3 years AMFI reports a return of 20.9% for this plan against 21.3% for the benchmark total return index; over 5 years 12.2% against 14.6%. Past performance does not indicate future results.
- Who manages LIC MF Healthcare Fund?
- According to its Scheme Summary Document, LIC MF Healthcare Fund is managed by Sudhanshu Asthana (since 1 Apr 2026), Dhaval Sangoi (since 1 Sep 2026).
- What is the exit load of LIC MF Healthcare Fund?
- As stated in its scheme documents: Nil, If units of the Scheme are redeemed or switched out up to 12% of the units (the limit) within 90 days from the date of allotment. 1% of the applicable NAV, If units of the scheme are redeemed or switched out in excess of the limit within 90 days from the date of allotment. Nil, If units of scheme are redeemed or switched out after 90 days from the date of allotment. Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in LIC MF Healthcare 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 13.8% and the Regular plan's by 12.3%. The Regular plan includes the services of a distributor.
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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.