LIC MF Gilt Fund · Regular · Growth
NAV
₹60.1657
as of 31 Jul 2026
Expense Ratio
1.16%
AUM
₹45 Cr
Lumpsum returns (CAGR)
- 1Y
- +0.90%
- 3Y
- +4.98%
- 5Y
- +4.32%
- Since Inception
- +6.86%
SIP returns (XIRR)
- 1Y
- +3.61%
- 3Y
- +3.91%
- 5Y
- +4.51%
- Since Inception
- +6.18%
Returns calculated from 15 October 2001 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹7,76,200 today — ₹5,95,000 invested, 5.3% XIRR.
₹5,95,000
Invested
₹7,76,200
Value today
5.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,76,441 today (5.8% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹9,88,211.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,35,539 today (1.35×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.85
Sharpe Ratio
—
Alpha
—
Beta
-0.84
Sortino
4.43%
Std Dev
-6.16%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 17.3% Government Of India32.71%
- 27.34% Government Of India21.81%
- 36.9% Government Of India20.56%
- 47.69% State Government Of Maharashtra11.42%
- 56.68% Government Of India10.96%
Investment Objective
LIC MF Gilt Fund · Regular · Growth invests exclusively in government securities across various maturities. Gilt funds carry zero credit risk as they invest in sovereign-backed instruments, though they are subject to interest rate risk.
About This Fund
LIC MF Gilt Fund · Regular · Growth is a Gilt Fund mutual fund offered by LIC Mutual Fund. The fund has been operational for over 26 years. It manages assets worth ₹44.8 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY All Duration G-Sec Index. The current expense ratio is 1.16%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations