HealthyDirect · GrowthFit for a long SIP
LIC MF Gold ETF Fund of Fund
LIC Mutual FundOther Scheme - FoF Domestic3.3 years
The objective of this scheme is to generate returns that correspond closely to the returns generated by IDBI Gold Exchange Traded Fund.
- NAV
- 37.9044
- 30 Oct 2026
- 1Y
- +15.1%
- Trailing CAGR
- AUM
- ₹775.01 Cr
- 31 Aug 2026
- Volatility
- High
- 23.5% 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
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 100% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Watch
3.3 years - usable, still building a track record.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.35% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -24.5%. Ask whether you can hold through a similar fall.
Vs category
Pass
100% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Sasikant Aravamuthan · 0.3 years on the scheme.
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.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
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+15.1%
- 3Y+30.1%
- 5Yn/a
- 10Yn/a
- SI+28.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-7.7%
- 3Y+28.1%
- 5Yn/a
- 10Yn/a
- Since inception
- +28.8%
- Calendar-day CAGR
- Excess 1Y
- +11.4%
- Category median, same plan and option
- 3Y win rate
- +100%
- Windows beating the median
- 3Y percentile
- 76
- Vs comparable share classes
- SIP 3Y XIRR
- +28.1%
- Simulated monthly SIP
- Worst rolling 3Y
- +30.1%
- 63 daily-ending windows
- Median rolling 3Y
- +35.4%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -24.5%
- Worst peak-to-trough
- Current
- -22.0%
- Below last peak
- Current spell
- 274 days
- Days below latest peak
- Time below peak
- +88%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 11 days
- 40 recovered episodes
- Longest recovery
- 84 days
- Trough to prior peak
29 Jan 2026 – open
Trough 23 Mar 2026 · not recovered
-24.5%
17 Oct 2025 – 15 Dec 2025
Trough 28 Oct 2025 · recovered in 48 days
-12.8%
9 Sept 2025 – 1 Oct 2025
Trough 17 Sept 2025 · recovered in 14 days
-8.9%
30 Oct 2024 – 24 Jan 2025
Trough 14 Nov 2024 · recovered in 71 days
-8.4%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
77
Vs category
100
Consistency
99
Risk-adjusted
74
Drawdown
39
Mean
78
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 100% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
31 Aug 2026 · 2 holdings · top 10 are 100.0%.
- Top 5
- 100.0%
- Top 10
- 100.0%
- Largest holding
- 99.9%
- Effective holdings
- 1.0
LIC MF Gold ETF
Unspecified
99.9%
Repo
Unspecified
0.4%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Aditya Birla Sun Life Income Plus Arbitrage Active FOF
Aditya Birla Sun Life Mutual Fund
- 1Y
- +4.8%
- 3Y
- +7.1%
- Vol
- 4.7%
- Max DD
- -10.1%
- Sharpe
- 0.37
- 3Y win
- +11%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Bandhan Conservative Hybrid Passive FOF
Bandhan Mutual Fund
- 1Y
- -0.3%
- 3Y
- +6.9%
- Vol
- 3.5%
- Max DD
- -9.8%
- Sharpe
- 0.65
- 3Y win
- +26%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
BHARAT Bond ETF FOF - April 2033
Edelweiss Mutual Fund
- 1Y
- +1.2%
- 3Y
- +6.7%
- Vol
- 4.4%
- Max DD
- -4.3%
- Sharpe
- 0.19
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
BHARAT Bond FOF- April 2031
Edelweiss Mutual Fund
- 1Y
- +1.7%
- 3Y
- +6.8%
- Vol
- 3.2%
- Max DD
- -3.8%
- Sharpe
- -0.06
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
HDFC Gold ETF Fund of Fund
HDFC Mutual Fund
- 1Y
- +15.7%
- 3Y
- +30.3%
- Vol
- 15.3%
- Max DD
- -24.8%
- Sharpe
- 0.35
- 3Y win
- +52%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown