Data shown is for informational purposes only and does not constitute investment advice. TopFund is not SEBI-registered. Consult a SEBI-registered advisor before investing.
LIC MF Gilt Fund-Direct Plan-IDCW
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 1/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 40/100 · Weak
How this score is calculated
- Star rating (35%)1/5
- 3Y CAGR (30%)5.44%
- Expense ratio (20%)0.7%
- AUM (15%)₹45 Cr
Not investment advice — an analytical read of public fund data. Methodology →
LIC Mutual Fund · Debt · Gilt
₹66.75
AUM: ₹44 Cr
NAV updated 11 days ago
Plan
Direct
Option
Idcw
Risk
Moderate to High
Expense Ratio
0.7%
Exit Load
Exit load of 0.25% if redeemed within 30 days
Fund Manager
Marzban Irani
Inception
Jan 2013
Benchmark
NIFTY All Duration G-Sec Index
Sharpe Ratio
-0.83
Std Dev (1Y)
4.51%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
-1.32%
3m
+1.49%
6m
+2.54%
1y
+2.68%
3y
+5.44%
5y
+4.91%
10y
+6.48%
since inception
+4.45%
TopFund's Take on LIC MF Gilt Fund-Direct Plan-IDCW
LIC MF Gilt Fund-Direct Plan-IDCW lags behind most of its peers in the Gilt category, currently carrying a 1-star rating. Returns have been soft relative to what the category has offered — worth checking if this is a temporary phase or a longer pattern. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 40/100.
Cost: At 0.7%, the expense ratio runs 43% above the Gilt category average of 0.49%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.83 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 4.51% is on the lower side for a Gilt fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to conservative investors prioritising capital stability and predictable income over high growth.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about LIC MF Gilt Fund-Direct Plan-IDCW
The current NAV (Net Asset Value) of LIC MF Gilt Fund-Direct Plan-IDCW is ₹66.75. NAV is updated every business day after market close by AMFI.
1Y: 2.68% · 3Y CAGR: 5.44% · 5Y CAGR: 4.91%
The expense ratio of LIC MF Gilt Fund-Direct Plan-IDCW is 0.7% per annum. This is the annual fee charged by the fund to manage your investment.
LIC MF Gilt Fund-Direct Plan-IDCW is managed by Marzban Irani at LIC Mutual Fund.
LIC MF Gilt Fund-Direct Plan-IDCW is classified as a Moderate to High risk fund. It is suitable for investors with a moderate risk appetite.
LIC MF Gilt Fund-Direct Plan-IDCW is a Gilt fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in LIC MF Gilt Fund-Direct Plan-IDCW with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of LIC MF Gilt Fund-Direct Plan-IDCW is ₹45 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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