Which has the lower expense ratio, LIC MF Gilt Fund-PF Plan-Growth or UTI - GILT FUND - Discontinued PF Plan Prescribed Date Auto Redemption Option?

LIC MF Gilt Fund-PF Plan-Growth's expense ratio is 0.52% versus UTI - GILT FUND - Discontinued PF Plan Prescribed Date Auto Redemption Option's 0.69%. 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-PF Plan-Growth and UTI - GILT FUND - Discontinued PF Plan Prescribed Date Auto Redemption 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-PF Plan-Growth vs UTI - GILT FUND - Discontinued PF Plan Prescribed Date Auto Redemption Option

Q: LIC MF Gilt Fund-PF Plan-Growth vs UTI - GILT FUND - Discontinued PF Plan Prescribed Date Auto Redemption Option — which has given better returns?

LIC MF Gilt Fund-PF Plan-Growth has a 1-year return of 2.1% versus UTI - GILT FUND - Discontinued PF Plan Prescribed Date Auto Redemption Option's 4.32%. 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-PF Plan-Growth

PGIM India Mutual Fund

★★★★★

Debt · Gilt

UTI - GILT FUND - Discontinued PF Plan Prescribed Date Auto Redemption Option

UTI Mutual Fund

★★★★★

Debt · Gilt

Metric	LIC MF Gilt Fund-PF Pl...	UTI - GILT FUND - Disc...
NAV	₹34.89	₹48.92
Star Rating	★★★	★★★★
Expense Ratio	0.52%	0.69%
AUM	₹93 Cr	₹423 Cr
1M Return	+1.26%	+0.74%
3M Return	+2.33%	+1.57%
6M Return	+2.81%	+4.04%
1Y Return	+2.1%	+4.32%
3Y CAGR	+6.65%	+6.97%
5Y CAGR	+5.98%	+6.09%
Risk Level	—	—
Fund Manager	Puneet Pal	Amandeep Chopra

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