LIC MF Unit Linked Insurance Scheme (ULIS) vs SBI Long Term Advantage Fund - Series IV
LIC MF Unit Linked Insurance Scheme (ULIS) and SBI Long Term Advantage Fund - Series IV are both ELSS (Tax Saving) funds. As of 6 Nov 2026 (Direct plan, Growth option): 3-year CAGR — vs +7.64%, 5-year CAGR — vs +9.07%, volatility — vs 16.66%, maximum drawdown — vs −34.40%. Their portfolios overlap by 6.2% (4 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| LIC MF Unit Linked Insurance Scheme (ULIS) | SBI Long Term Advantage Fund - Series IV | |
|---|---|---|
| Fund house | LIC Mutual Fund | SBI Mutual Fund |
| Compared as | ELSS (Tax Saving) | ELSS (Tax Saving) |
| NAV | ₹40.8516 | ₹48.8847 |
| NAV date | 6 Nov 2026 | 6 Nov 2026 |
| Launched (first NAV) | 1 Mar 2013 | 10 Apr 2017 |
| Track record | 13.7 yrs | 9.6 yrs |
| Fund size (AUM) | ₹424 Cr | ₹181 Cr |
| Securities held | 48 | 29 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| LIC MF Unit Linked Insurance Scheme (ULIS) | SBI Long Term Advantage Fund - Series IV | |
|---|---|---|
| 1 month | — | +4.84% |
| 3 months | — | −3.62% |
| 6 months | — | −2.32% |
| 1 year | — | −2.75% |
| 3 years (CAGR) | — | +7.64% |
| 5 years (CAGR) | — | +9.07% |
| 7 years (CAGR) | — | +19.44% |
| 10 years (CAGR) | — | — |
| Since launch (CAGR) | — | +18.00% |
| SIP return (XIRR, 5 years) ⓘ | — | +7.92% |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| LIC MF Unit Linked Insurance Scheme (ULIS) | SBI Long Term Advantage Fund - Series IV | |
|---|---|---|
| 2026 (year to date) | — | −4.86% |
| 2025 | — | +4.26% |
| 2024 | — | +21.06% |
| 2023 | — | +24.40% |
| 2022 | — | +6.81% |
| 2021 | — | +59.30% |
Risk
| LIC MF Unit Linked Insurance Scheme (ULIS) | SBI Long Term Advantage Fund - Series IV | |
|---|---|---|
| Volatility (annualised) ⓘ | — | 16.66% |
| Downside volatility ⓘ | — | 11.55% |
| Sharpe ratio ⓘ | — | 0.07 |
| Sortino ratio ⓘ | — | 0.10 |
| Maximum drawdown ⓘ | — | −34.40% |
| Recovery from that fall | 8 months | 5 months |
| Current fall from peak | — | −9.73% |
| Rolling 1-year return: worst | — | −17.96% |
| Rolling 1-year return: median | — | +13.43% |
| Rolling 1-year return: best | — | +114.07% |
| Share of 1-year periods with a loss | — | 18.94% |
Against each fund's benchmark
| LIC MF Unit Linked Insurance Scheme (ULIS) | SBI Long Term Advantage Fund - Series IV | |
|---|---|---|
| Beta ⓘ | — | 0.93 |
| Alpha (Jensen's, annualised) ⓘ | — | −3.38% |
| R² ⓘ | — | 79.18 |
| Upside capture | — | 85.36% |
| Downside capture | — | 99.26% |
| Tracking error | — | 7.53% |
| Information ratio | — | -0.54 |
| Treynor ratio | — | -0.43 |
Portfolio
Asset mix
| LIC MF Unit Linked Insurance Scheme (ULIS) | SBI Long Term Advantage Fund - Series IV | |
|---|---|---|
| Equity | 76.32% | 93.98% |
| Debt | 14.11% | 0.00% |
| Cash & equivalents | 9.61% | 6.02% |
Market-cap split (share of fund assets)
| LIC MF Unit Linked Insurance Scheme (ULIS) | SBI Long Term Advantage Fund - Series IV | |
|---|---|---|
| Large Cap | 32.97% | 47.78% |
| Mid Cap | 19.55% | 15.19% |
| Small Cap | 19.95% | 27.69% |
| Unclassified | 3.85% | 3.32% |
Concentration
| LIC MF Unit Linked Insurance Scheme (ULIS) | SBI Long Term Advantage Fund - Series IV | |
|---|---|---|
| Top 10 holdings | 34.76% | 46.10% |
| Effective number of stocks ⓘ | 46.5 | 27.7 |
| Securities held | 48 | 29 |
Portfolio overlap: 6.2%
4 companies are held by both funds; by weight, 6.2% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | LIC MF Unit Linked Insurance Scheme (ULIS) | SBI Long Term Advantage Fund - Series IV |
|---|---|---|
| Navin Fluorine International Limited | 2.62% | 4.09% |
| Bajaj Finance Limited | 1.36% | 7.41% |
| ICICI Bank Limited | 1.25% | 7.66% |
| Delhivery Limited | 0.97% | 3.84% |
Top 10 holdings
LIC MF Unit Linked Insurance Scheme (ULIS)
- Divi's Laboratories Limited4.00%
- Bajaj Auto Limited3.97%
- Sona BLW Precision Forgings Limited3.91%
- Solar Industries India Limited3.88%
- Torrent Pharmaceuticals Limited3.62%
- 7.63% State Government Securities 20363.53%
- Bharti Airtel Limited3.31%
- Titan Company Limited3.13%
- FSN E-Commerce Ventures Limited2.79%
- Navin Fluorine International Limited2.62%
SBI Long Term Advantage Fund - Series IV
- ICICI Bank Limited7.66%
- Bajaj Finance Limited7.41%
- Eicher Motors Ltd.4.73%
- Navin Fluorine International Limited4.09%
- Tata Motors Ltd3.95%
- HDFC Bank Limited3.91%
- Delhivery Limited3.84%
- Kotak Mahindra Bank Limited3.68%
- Sun Pharmaceutical Industries Limited3.51%
- Kusumgar Limited3.32%
Sector exposure
| LIC MF Unit Linked Insurance Scheme (ULIS) | SBI Long Term Advantage Fund - Series IV | |
|---|---|---|
| Finance | 3.16% | 20.48% |
| Banks | 4.48% | 18.43% |
| Pharmaceuticals & Biotechnology | 11.84% | 3.51% |
| Retailing | 8.76% | 2.07% |
| Transport Services | 0.97% | 6.80% |
| Auto Components | 6.77% | 3.28% |
| Automobiles | 3.97% | 6.68% |
| Chemicals & Petrochemicals | 6.50% | 4.09% |
| Agricultural, Commercial & Construction Vehicles | 0.00% | 6.08% |
| SOVEREIGN | 5.59% | 0.00% |
| Electrical Equipment | 5.36% | 0.00% |
| Construction | 1.20% | 5.26% |
| Sovereign | 4.66% | 0.00% |
| CRISIL AAA | 3.86% | 0.00% |
Questions people ask
What is the difference between LIC MF Unit Linked Insurance Scheme (ULIS) and SBI Long Term Advantage Fund - Series IV returns?
As of 6 Nov 2026, Direct plan Growth option: 1-year return — vs −2.75%; 3-year CAGR — vs +7.64%; 5-year CAGR — vs +9.07%; 10-year CAGR — vs —. Past returns do not indicate future returns.
How do LIC MF Unit Linked Insurance Scheme (ULIS) and SBI Long Term Advantage Fund - Series IV compare on risk?
Volatility (36 monthly returns, annualised) — vs 16.66%; Sharpe ratio — vs 0.07; Sortino ratio — vs 0.10; maximum drawdown — vs −34.40%; beta — vs 0.93.
How much do LIC MF Unit Linked Insurance Scheme (ULIS) and SBI Long Term Advantage Fund - Series IV overlap?
By weight, 6.2% of the two portfolios is invested in the same companies; 4 stocks are held by both, the largest shared positions being Navin Fluorine International Limited, Bajaj Finance Limited, ICICI Bank Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of LIC MF Unit Linked Insurance Scheme (ULIS) and SBI Long Term Advantage Fund - Series IV?
LIC MF Unit Linked Insurance Scheme (ULIS): large cap 33.0%, mid cap 19.6%, small cap 20.0%. SBI Long Term Advantage Fund - Series IV: large cap 47.8%, mid cap 15.2%, small cap 27.7% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
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Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 6 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.