LIC MF Consumption Fund vs SBI Healthcare Opportunities Fund
Direct Plan, Growth option · Data as on 30-10-2026
LIC MF Consumption Fund is a Thematic fund and SBI Healthcare Opportunities Fund is a Thematic fund. LIC MF Consumption Fund charges 1.22% a year and SBI Healthcare Opportunities Fund 1.01% (Direct plans). Their portfolios overlap 5.0%: they hold 4 of the same securities.
SBI Healthcare Opportunities Fund
Thematic
- Expense ratio
- 1.01%
- NAV
- ₹588.16
Which is better, LIC MF Consumption or SBI Healthcare Opportunities? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- SBI Healthcare Opportunities costs less: 1.01% a year against 1.22% (Direct plans).
- SBI Healthcare Opportunities fell less in its worst fall since 25-11-2025: −10.3% against −14.8%.
- SBI Healthcare Opportunities is the larger fund: ₹5,870 Cr against ₹424 Cr.
- Their portfolios overlap 5.0%: 4 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | LIC MF Consumption Fund | SBI Healthcare Opportunities Fund |
|---|---|---|
| Fund house | LIC Mutual Fund | SBI Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹424 Cr (30-09-2026) | ₹5,870 Cr (30-09-2026) |
| NAV | ₹9.16 (Direct) | ₹588.16 (Direct) |
| Expense ratio (Direct) | 1.22% | 1.01% |
| Expense ratio (Regular) | 2.73% | 1.99% |
| Riskometer | Very High | Not available |
| Benchmark | Nifty India Consumption TRI | Not available |
| Launch date | 21-11-2025 | Not available |
| Minimum investment | ₹5,000 | Not available |
| Lock in | None | Not available |
| Fund managers | Sumit Bhatnagar, Nikhil Kapoor | Not available |
| Exit load | Exit Load for units in excess of 12% of the investment,1% will be charged for redemption within 90 days. | Not available |
LIC MF Consumption vs SBI Healthcare Opportunities: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| LIC MF Consumption Fund (Direct) | −2.54% | −7.77% | −2.41% | -- | -- | -- | -- |
| SBI Healthcare Opportunities Fund (Direct) | +0.31% | −0.59% | +16.00% | +17.12% | +24.60% | +19.22% | +14.72% |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | +13.76% | +11.62% | +13.76% |
Category average: the average of the 235 Thematic funds, same plan type.
LIC MF Consumption vs SBI Healthcare Opportunities: Year-wise Returns
| Year | LIC MF ConsumptionLIC MF Consumption | SBI Healthcare OpportunitiesSBI Healthcare Opportunities |
|---|---|---|
| 2026to date | −8.21% | +21.31% |
| 2025 | -- | −2.50% |
| 2024 | -- | +43.75% |
| 2023 | -- | +39.72% |
| 2022 | -- | −5.01% |
| 2021 | -- | +21.48% |
LIC MF Consumption vs SBI Healthcare Opportunities: Rolling Returns
Every holding period of both funds, against Nifty India Consumption TRI, the benchmark of LIC MF Consumption Fund
LIC MF Consumption vs SBI Healthcare Opportunities: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | LIC MF Consumption Fund (Direct) | SBI Healthcare Opportunities Fund (Direct) |
|---|---|---|
| Return (CAGR) | −9.11% | +17.93% |
| Standard deviation | 14.76% | 15.96% |
| Sharpe ratio | -0.97 | 0.74 |
| Sortino ratio | -1.30 | 1.05 |
| Maximum drawdown | −14.8% (23-03-2026) | −30.5% (23-03-2020) |
| Beta | 0.87 | 0.91 |
| Alpha | −0.46% | +3.97% |
From daily NAVs, 25-11-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
LIC MF Consumption Fund (Direct)
SBI Healthcare Opportunities Fund (Direct)
Nifty India Consumption TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| LIC MF Consumption Fund (Direct) | −14.8% | 26-11-2025 | 23-03-2026 | 03-08-2026 | 4 months | −9.8% |
| SBI Healthcare Opportunities Fund (Direct) | −10.3% | 21-09-2026 | 23-10-2026 | Not yet | -- | −3.8% |
| Nifty India Consumption TRI | −17.2% | 26-11-2025 | 30-03-2026 | Not yet | -- | −10.6% |
From daily values since 25-11-2025, the first day every fund has.
LIC MF Consumption vs SBI Healthcare Opportunities: Portfolio Overlap
From each fund's latest monthly portfolio: LIC MF Consumption Fund, September 2026; SBI Healthcare Opportunities Fund, September 2026
Holdings in common
- Overlap
- 5.0%
- Held by both
- 4
- Only in LIC MF Consumption
- 49
- Only in SBI Healthcare Opportunities
- 32
| Security | % of LIC MF Consumption | % of SBI Healthcare Opportunities |
|---|---|---|
| Torrent Pharmaceuticals Ltd. | 2.20% | 4.42% |
| Aster DM Quality Care Ltd. | 1.41% | 3.21% |
| Apollo Hospitals Enterprise Ltd. | 1.13% | 4.45% |
| Abbott India Ltd. | 1.99% | 0.23% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 5.0% means 5.0% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in LIC MF Consumption Fund
| Security | % of fund |
|---|---|
| Eternal Ltd. | 5.28% |
| The Indian Hotels Company Ltd. | 3.54% |
| Bharti Airtel Ltd. | 3.45% |
| ITC Hotels Ltd. | 2.99% |
| LG Electronics India Ltd. | 2.79% |
Largest holdings only in SBI Healthcare Opportunities Fund
| Security | % of fund |
|---|---|
| Sun Pharmaceutical Industries Ltd. | 11.14% |
| Divi's Laboratories Ltd. | 7.91% |
| Acutaas Chemicals Ltd. | 5.03% |
| Cipla Ltd. | 4.40% |
| Laurus Labs Ltd. | 4.05% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | LIC MF Consumption | SBI Healthcare Opportunities |
|---|---|---|
| Equity | 93.9% | 95.5% |
| Debt | 0.0% | 0.1% |
| Cash and others | 6.1% | 4.4% |
Market cap of stocks
| Market cap | LIC MF Consumption | SBI Healthcare Opportunities |
|---|---|---|
| Large Cap | 36.7% | 32.3% |
| Mid Cap | 28.7% | 25.7% |
| Small Cap | 28.0% | 35.4% |
| Not on AMFI's list | 0.5% | 2.2% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | LIC MF Consumption | SBI Healthcare Opportunities |
|---|---|---|
| Pharmaceuticals & Biotechnology | 5.5% | 63.1% |
| Healthcare Services | 5.2% | 25.6% |
| Retailing | 14.5% | 0.0% |
| Consumer Durables | 12.3% | 0.0% |
| Leisure Services | 9.2% | 0.0% |
| Automobiles | 7.8% | 0.0% |
| Food Products | 6.1% | 0.0% |
| Chemicals & Petrochemicals | 1.3% | 5.0% |
| Healthcare Equipment & Supplies | 0.0% | 1.8% |
The six largest sectors of each fund's stocks, % of the fund.
LIC MF Consumption vs SBI Healthcare Opportunities: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | LIC MF Consumption Fund | SBI Healthcare Opportunities Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.22% | 1.01% |
| Base expense ratio (Direct) | 0.77% | 0.74% |
| Total expense ratio (Regular) | 2.73% | 1.99% |
| Base expense ratio (Regular) | 2.10% | 1.58% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare LIC MF Consumption with
LIC MF Consumption Fund vs SBI Healthcare Opportunities Fund: Frequently Asked Questions
What is the difference between LIC MF Consumption Fund and SBI Healthcare Opportunities Fund?
LIC MF Consumption Fund is a Thematic fund, SBI Healthcare Opportunities Fund is a Thematic fund, run by LIC Mutual Fund and SBI Mutual Fund. Their portfolios overlap 5.0%. LIC MF Consumption Fund charges 1.22% a year and SBI Healthcare Opportunities Fund 1.01%.
Which has the lower expense ratio, LIC MF Consumption Fund or SBI Healthcare Opportunities Fund?
SBI Healthcare Opportunities Fund charges less: 1.01% a year against 1.22%. These are the Direct plans' total expense ratios reported to AMFI.
How much do LIC MF Consumption Fund and SBI Healthcare Opportunities Fund overlap?
5.0%. They hold 4 of the same securities, the largest shared ones being TORNTPHARM, ASTERDM, APOLLOHOSP. From each fund's latest monthly portfolio.
Can I invest in both LIC MF Consumption Fund and SBI Healthcare Opportunities Fund?
Yes. 5.0% of each fund's money sits in the same holdings, so the two hold mostly different investments.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.