LIC Mutual Fund
What differentiates an average mutual fund from the best is consistent performance in every market cycle. Among LIC Mutual Fund schemes, LIC MF Infrastructure Fund Direct Plan Growth has built a strong track record over the long term without much noise. Based on 3, 5 and 10 year returns, this infrastructure-focused fund has emerged as the best performing fund of LIC over key time periods. It has given good returns to both lumpsum and SIP investors.
Lumpsum investors get huge benefits
This fund created great wealth for those investors who invested money once and remained invested despite market fluctuations.
| investment period | CAGR | value of ₹1 lakh |
|---|---|---|
| 3 year | 28.26% | ₹2.10 lakh |
| 5 years | 27.06% | ₹3.31 lakh |
| 10 years | 17.85% | ₹5.17 lakh |
The ₹1 lakh invested five years ago has become more than three times today. It is clear from this that being patient in the infrastructure theme at the right time can yield good benefits.
SIP investors are also not left behind
Investors doing regular SIPs have also benefited well from the long-term performance of this fund.
| investment period | CAGR | ₹10,000/month SIP value |
|---|---|---|
| 3 year | 17.17% | ₹4.64 lakh |
| 5 years | 22.03% | ₹10.36 lakh |
| 10 years | 19.86% | ₹34 lakh |
Statistics show that disciplined investing over a long period of time reduces the impact of fluctuations and creates substantial wealth.
Fund Overview
This fund was launched on January 2, 2013 and has given returns of about 15.19% since inception. Its benchmark is NIFTY Infrastructure TRI and it is an open-ended scheme. As of December 31, 2025, the fund had assets under management (AUM) of ₹1,003 crore. The expense ratio of 0.83% makes it comparatively affordable among active sectoral funds.
High risk, but balanced performance
this fund Very High Risk It falls into the category, which is common for infrastructure funds. In this, the possibility of returns is high, but there can also be sharp fluctuations in the short term. Still, its risk metrics are fine. The average return of the fund is 27.53%, Sharpe ratio is 1.06 and Sortino ratio is 1.45. A beta of 0.67 indicates that the fund is relatively less affected by major market shocks.
Focus on infrastructure theme
The fund’s portfolio is mostly in infrastructure related sectors. The share of industrial sector in this is more than 54%. The remaining investments are in materials, energy and utilities, financials and consumer sectors.
The portfolio is well diversified in terms of stocks. This includes companies like Shakti Pumps, Tata Motors, L&T, REC, Apollo Hospitals, Cummins India and Bharat Bijli, due to which there is not much dependence on any one stock.
Important thing for investors
Even though 3, 5 and 10 year returns may be great, it is important to remember that past performance is no guarantee of the future. Sectoral funds like infrastructure are cyclical and can sometimes underperform for a long period of time. This fund may be suitable for investors who have a long-term perspective and are willing to take higher risk. Still, it is better to make it a part of the overall portfolio and not a stand-alone investment vehicle.