LIC MF Midcap Fund-Reg(G)

About LIC MF Midcap Fund-Reg(G)

LIC MF Midcap Fund-Reg(G) is an open-ended equity mutual fund offered by LIC Mutual Fund. The scheme invests primarily in Mid Cap equity and equity-related instruments in accordance with SEBI’s classification, with the objective of achieving capital appreciation over the long term.

 

The fund follows a structured investment approach based on fundamental and quantitative research, with portfolio construction guided by a disciplined risk return framework focusing on high quality stocks. It seeks to align investments with prevailing market conditions while adhering to defined risk management practices.

Investment Objective of LIC MF Midcap Fund-Reg(G)

As an open-ended scheme, investors may redeem or subscribe units at the NAV of ₹28.34 as of 27 Feb 2026 at the time of the transaction. The scheme is designed for investors with a long-term investment horizon who are comfortable with high risk, and it will form a part of a diversified investment portfolio.

Who should invest Mid Cap Funds?

These funds are riskier than large cap and large & mid cap funds due to higher sensitivity to economic cycles but less risky than small cap funds. The mid cap companies have the potential to become large caps. Mid cap funds invest in emerging companies that are positioned for faster growth. As per SEBI, Mid Cap Funds should maintain a minimum allocation of 65% in mid cap stocks. Given their volatility, mid cap funds require a longer investment horizon of at least 5–7+ years and are suitable for investors with high risk tolerance.

Benefits of Investing in LIC MF Midcap Fund-Reg(G)

Key advantages include:

1. Professional management: Handled by experienced fund managers
2. Diversification: Exposure to multiple securities reduces risk
3. Liquidity: Easy to buy and redeem (subject to exit loads)
4. Accessibility: Can start investing with small amounts
5. Tax efficiency: If redeemed within 12 months, short-term capital gains (STCG) will apply and will be taxed at 20%. If redeemed after 12 months, long-term capital gains (LTCG) will apply and will be taxed at 12.5%.

Things to Consider Before Investing

Before investing in Mid Cap mutual funds, investors should evaluate:

• Investment objective and time horizon
• Risk tolerance
• Past performance (not a guarantee of future returns)
• Exit load and taxation

Choosing funds that align with your financial goals is more important than chasing short-term returns.

Conclusion

LIC MF Midcap Fund-Reg(G) is suitable for investors looking to create wealth while maintaining high risk. Understanding how these funds work, their risks, and their role in a portfolio can help investors make informed investment decisions aligned with their financial goals.