MonitorDirect · GrowthWatch before adding
LIC MF Gilt Fund
LIC Mutual FundIncome/Debt Oriented Schemes - Gilt Fund13.8 years
- NAV
- 66.4717
- 30 Oct 2026
- 1Y
- +2.2%
- Trailing CAGR
- AUM
- ₹44.01 Cr
- 30 Sept 2026
- Volatility
- Low
- 3.6% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer Edelweiss Gilt Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.70% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -7.4%. Ask whether you can hold through a similar fall.
Vs category
Watch
43% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 100.0% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+2.2%
- 3Y+5.4%
- 5Y+4.9%
- 10Y+6.3%
- SI+7.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.4%
- 3Y+3.4%
- 5Y+4.6%
- 10Y+5.7%
- Since inception
- +7.0%
- Calendar-day CAGR
- Excess 1Y
- +0.6%
- Category median, same plan and option
- 3Y win rate
- +43%
- Windows beating the median
- 3Y percentile
- 10
- Vs comparable share classes
- SIP 3Y XIRR
- +3.4%
- Simulated monthly SIP
- Worst rolling 3Y
- +3.6%
- 2620 daily-ending windows
- Median rolling 3Y
- +7.4%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2137 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -7.4%
- Worst peak-to-trough
- Current
- -1.7%
- Below last peak
- Current spell
- 77 days
- Days below latest peak
- Time below peak
- +79%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 253 recovered episodes
- Longest recovery
- 288 days
- Trough to prior peak
4 Jun 2013 – 3 Jun 2014
Trough 19 Aug 2013 · recovered in 288 days
-7.4%
28 May 2025 – 25 Jun 2026
Trough 2 Apr 2026 · recovered in 84 days
-5.6%
24 Jul 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-3.7%
24 Nov 2016 – 1 Jun 2017
Trough 22 Feb 2017 · recovered in 99 days
-2.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
10
Vs category
54
Consistency
36
Risk-adjusted
41
Drawdown
82
Mean
45
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 7 holdings · top 10 are 100.0%.
- Top 5
- 96.3%
- Top 10
- 100.0%
- Largest holding
- 33.4%
- Effective holdings
- 4.5
GOVERNMENT OF INDIA 33071 GOI 19JU53 7.3 FV RS 100
Entities
33.4%
91 DAYS TBILL RED 10-12-2026
Financial
22.5%
GOVERNMENT OF INDIA 36814 364 DAYS TBILL 10DC26 FV RS 100
Financial
18.0%
182 Days Tbill (MD 17/12/2026)
Financial
11.2%
GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100
Entities
11.2%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Edelweiss Gilt Fund
Edelweiss Mutual Fund
- 1Y
- +0.9%
- 3Y
- +5.8%
- Vol
- 3.1%
- Max DD
- -3.3%
- Sharpe
- 0.28
- 3Y win
- +88%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
HSBC Gilt Fund
HSBC Mutual Fund
- 1Y
- +1.6%
- 3Y
- +5.8%
- Vol
- 2.8%
- Max DD
- -3.6%
- Sharpe
- -0.07
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
Aditya Birla Sun Life Gilt Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +0.9%
- 3Y
- +5.4%
- Vol
- 4.3%
- Max DD
- -10.8%
- Sharpe
- 0.51
- 3Y win
- +84%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Axis Gilt Fund
Axis Mutual Fund
- 1Y
- +3.1%
- 3Y
- +6.9%
- Vol
- 4.1%
- Max DD
- -11.1%
- Sharpe
- 0.36
- 3Y win
- +61%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Tata Gilt Fund
Tata Mutual Fund
- 1Y
- +1.3%
- 3Y
- +6.2%
- Vol
- 4.1%
- Max DD
- -10.4%
- Sharpe
- 0.41
- 3Y win
- +47%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown