Which has the lower expense ratio, LIC MF Gilt Fund-Direct Plan-Growth or SBI GILT FUND - GROWTH - PF (Fixed Period - 3 Yrs) Option?

LIC MF Gilt Fund-Direct Plan-Growth's expense ratio is 0.7% versus SBI GILT FUND - GROWTH - PF (Fixed Period - 3 Yrs) Option's 0.49%. A lower expense ratio directly improves your net returns over the long term, all else being equal.

Can I invest in both LIC MF Gilt Fund-Direct Plan-Growth and SBI GILT FUND - GROWTH - PF (Fixed Period - 3 Yrs) Option?

Yes, but check for portfolio overlap first if both funds are in the same category — holding two funds with very similar underlying stocks reduces the diversification benefit of investing in more than one fund.

LIC MF Gilt Fund-Direct Plan-Growth vs SBI GILT FUND - GROWTH - PF (Fixed Period - 3 Yrs) Option

Q: LIC MF Gilt Fund-Direct Plan-Growth vs SBI GILT FUND - GROWTH - PF (Fixed Period - 3 Yrs) Option — which has given better returns?

LIC MF Gilt Fund-Direct Plan-Growth has a 1-year return of 0.64% versus SBI GILT FUND - GROWTH - PF (Fixed Period - 3 Yrs) Option's 2.41%. Compare NAV, expense ratio and star rating above before deciding, and check consistency over 3-5 years rather than a single year.

Side-by-side comparison of NAV, returns, expense ratio and star rating.

LIC MF Gilt Fund-Direct Plan-Growth

LIC Mutual Fund

★★★★★

Debt · Gilt

SBI GILT FUND - GROWTH - PF (Fixed Period - 3 Yrs) Option

SBI Mutual Fund

★★★★★

Debt · Gilt

Metric	LIC MF Gilt Fund-Direc...	SBI GILT FUND - GROWTH...
NAV	₹66.47	₹72.54
Star Rating	★	★★★★
Expense Ratio	0.7%	0.49%
AUM	₹44 Cr	₹8,067 Cr
1M Return	-0.26%	-0.2%
3M Return	-0.85%	-0.37%
6M Return	+1.96%	+2.13%
1Y Return	+0.64%	+2.41%
3Y CAGR	+5.42%	+6.53%
5Y CAGR	+4.83%	+6.2%
Risk Level	—	—
Fund Manager	Marzban Irani	Dinesh Ahuja

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