What is the 5-year rolling return of LIC MF Banking and Financial Services Fund?

Across 1,618 overlapping 5-year holding periods between 30 March 2015 and 16 October 2026, the Direct plan of LIC MF Banking and Financial Services Fund returned an average of 10.07% a year, with a median of 10.46%. The best 5-year stretch returned 24.04% a year and the worst returned -5.54%.

Has LIC MF Banking and Financial Services Fund ever lost money over 5 years?

Yes. 6.6% of the 1,618 5-year holding periods in this fund's history ended below zero. The worst returned -5.54% a year, for someone who invested on 6 April 2015 and sold on 3 April 2020.

What is the difference between the Direct and Regular plans of LIC MF Banking and Financial Services Fund?

Both plans hold the same portfolio. The Regular plan pays a commission to the distributor who sold it, deducted from the NAV every year, so it returns less. Over the same period, 5-year rolling returns averaged 10.07% a year on the Direct plan against 8.72% on the Regular plan, a difference of 1.34% a year.

What is the 1-year rolling return of LIC MF Banking and Financial Services Fund?

Across 2,602 overlapping 1-year holding periods between 30 March 2015 and 16 October 2026, the Direct plan of LIC MF Banking and Financial Services Fund returned an average of 11.68% a year, with a median of 10.86%. The best 1-year stretch returned 80.93% a year and the worst returned -35.05%.

What is the 3-year rolling return of LIC MF Banking and Financial Services Fund?

Across 2,111 overlapping 3-year holding periods between 30 March 2015 and 16 October 2026, the Direct plan of LIC MF Banking and Financial Services Fund returned an average of 10.07% a year, with a median of 10.75%. The best 3-year stretch returned 31.04% a year and the worst returned -13.58%.

What is the 7-year rolling return of LIC MF Banking and Financial Services Fund?

Across 1,122 overlapping 7-year holding periods between 30 March 2015 and 16 October 2026, the Direct plan of LIC MF Banking and Financial Services Fund returned an average of 9.91% a year, with a median of 10.01%. The best 7-year stretch returned 14.56% a year and the worst returned 3.80%.

What is the 10-year rolling return of LIC MF Banking and Financial Services Fund?

Across 384 overlapping 10-year holding periods between 30 March 2015 and 16 October 2026, the Direct plan of LIC MF Banking and Financial Services Fund returned an average of 10.24% a year, with a median of 9.96%. The best 10-year stretch returned 14.00% a year and the worst returned 7.39%.

LIC Mutual Fund

LIC MF Banking and Financial Services Fund — rolling returns

Banking & Financial Services · NAV data as of 16 October 2026

2,845 daily NAV records since 30 March 2015

What is a rolling return?

A rolling return measures what you would actually have earned by investing on any given day and holding for a fixed number of years. Instead of quoting one figure from a single convenient start date, it repeats that calculation for every start date in the fund's history — 1,618 separate five-year windows for this fund. The gap between the best and the worst of those windows shows how much your entry date mattered.

Rolling return statistics

Annualised returns (CAGR), computed daily across every available start date.

Plan

Holding period

From

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Index or category average

Direct plan · showing data from 30 March 2015 to 16 October 2026

Average rolling return

10.07%

Windows computed

1,618

Median return

10.46%

Standard deviation

5.62%

Best 5-year window

24.04%a year

Invested 18 May 2020 · exited 16 May 2025

Worst 5-year window

-5.54%a year

Invested 6 Apr 2015 · exited 3 Apr 2020

Consistency — share of 5-year windows

Above 0%: 93.4% (1,511 of 1,618)
Above 8%: 67.9% (1,098 of 1,618)
Above 12%: 35.7% (578 of 1,618)
Above 15%: 13.0% (211 of 1,618)

Chart resolution

Each point is one 5-year holding period, plotted against the date it began. Showing 325 of 1,618 windows.

Compare holding periods

The same statistics for every period, side by side. The highlighted column is the one shown above.

Rolling return statistics for LIC MF Banking and Financial Services Fund by holding period
Holding period	1Y	3Y	5Y	7Y	10Y
Returns
Average	11.68%	10.07%	10.07%	9.91%	10.24%
Median	10.86%	10.75%	10.46%	10.01%	9.96%
Minimum	-35.05%	-13.58%	-5.54%	3.80%	7.39%
Maximum	80.93%	31.04%	24.04%	14.56%	14.00%
Std deviation	19.20%	8.11%	5.62%	2.22%	1.42%
Consistency
Above 0%	74.10%	89.72%	93.39%	100.00%	100.00%
Above 8%	57.72%	64.99%	67.86%	82.98%	97.40%
Above 12%	46.85%	42.16%	35.72%	14.97%	11.72%
Above 15%	39.74%	22.12%	13.04%	0.00%	0.00%
Coverage
Windows computed	2,602	2,111	1,618	1,122	384

Statistics are computed from all daily rolling windows in the selected range. Chart resolution changes the plotted line only, never these numbers.

Direct vs Regular plan

The same fund and the same portfolio. The Regular plan pays a commission to the distributor who sold it, which comes out of the NAV every year, so its returns run lower. Figures below are 5-year rolling returns over the period both plans share. Over this history the Direct plan averaged 1.34% a year more than Regular.

5-year rolling returns for LIC MF Banking and Financial Services Fund, Direct plan compared with Regular plan
5-year rolling return	Direct	Regular
Average	10.07%	8.72%
Best window	24.04%from 18 May 2020	22.41%from 18 May 2020
Worst window	-5.54%from 6 Apr 2015	-6.51%from 6 Apr 2015
Windows computed	1,618	1,618

Common questions about LIC MF Banking and Financial Services Fund

What is the 5-year rolling return of LIC MF Banking and Financial Services Fund?: Across 1,618 overlapping 5-year holding periods between 30 March 2015 and 16 October 2026, the Direct plan of LIC MF Banking and Financial Services Fund returned an average of 10.07% a year, with a median of 10.46%. The best 5-year stretch returned 24.04% a year and the worst returned -5.54%.
Has LIC MF Banking and Financial Services Fund ever lost money over 5 years?: Yes. 6.6% of the 1,618 5-year holding periods in this fund's history ended below zero. The worst returned -5.54% a year, for someone who invested on 6 April 2015 and sold on 3 April 2020.
What is the difference between the Direct and Regular plans of LIC MF Banking and Financial Services Fund?: Both plans hold the same portfolio. The Regular plan pays a commission to the distributor who sold it, deducted from the NAV every year, so it returns less. Over the same period, 5-year rolling returns averaged 10.07% a year on the Direct plan against 8.72% on the Regular plan, a difference of 1.34% a year.
What is the 1-year rolling return of LIC MF Banking and Financial Services Fund?: Across 2,602 overlapping 1-year holding periods between 30 March 2015 and 16 October 2026, the Direct plan of LIC MF Banking and Financial Services Fund returned an average of 11.68% a year, with a median of 10.86%. The best 1-year stretch returned 80.93% a year and the worst returned -35.05%.
What is the 3-year rolling return of LIC MF Banking and Financial Services Fund?: Across 2,111 overlapping 3-year holding periods between 30 March 2015 and 16 October 2026, the Direct plan of LIC MF Banking and Financial Services Fund returned an average of 10.07% a year, with a median of 10.75%. The best 3-year stretch returned 31.04% a year and the worst returned -13.58%.
What is the 7-year rolling return of LIC MF Banking and Financial Services Fund?: Across 1,122 overlapping 7-year holding periods between 30 March 2015 and 16 October 2026, the Direct plan of LIC MF Banking and Financial Services Fund returned an average of 9.91% a year, with a median of 10.01%. The best 7-year stretch returned 14.56% a year and the worst returned 3.80%.
What is the 10-year rolling return of LIC MF Banking and Financial Services Fund?: Across 384 overlapping 10-year holding periods between 30 March 2015 and 16 October 2026, the Direct plan of LIC MF Banking and Financial Services Fund returned an average of 10.24% a year, with a median of 9.96%. The best 10-year stretch returned 14.00% a year and the worst returned 7.39%.

Compare with other funds

Other Banking & Financial Services funds

5-year rolling return (Direct)

Figures are 5-year rolling return averages on the Direct plan, over each fund's own history. Funds with different start dates cover different market conditions, so these are a starting point for comparison rather than a like-for-like ranking.