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DebtGilt FundDirect · Growth

LIC MF Gilt Fund-Direct Plan-Growth

LIC · Scheme 120282

₹67.39▼ 0.06%NAV · 2026-09-18
54
Average FundScore
Start SIP
AUM
₹46 cr
Expense ratio
0.69%
3Y CAGR
6.0%
Risk level
Low to Moderate
Min SIP
₹200
Benchmark
CRISIL Dynamic Gilt Index
Fund manager: Marzban IraniExit load: Exit load of 0.25% if redeemed within 30 days
Average · 54/100

Middle-of-the-pack — compare it against better-scored peers.

🎯 Suited to short-to-medium horizons and investors wanting stability over growth.

📈 Why it could do well

  • ✓Protects capital well — worst-ever fall was only 7%.
  • ✓Low volatility (4% a year) — a steady, low-drama ride.
  • ✓Low cost — 0.69% expense ratio means more of the return stays with you.
  • ✓Positive 3Y windows: 100% of rolling 3Y windows positive

📉 What could drag it down

  • •Weak risk-adjusted returns (Sharpe 0.23) — took on risk without enough payoff.
  • •3Y CAGR: +6.0%
  • •3Y CAGR vs category: -0.9% vs category avg

FundScore breakdown

54/100 · Average
How it works →
22
Returns
Weak
67
Consistency
Decent
26
Risk-adjusted
Weak
100
Downside protection
Excellent
71
Cost efficiency
Strong
50
Portfolio quality
Average

Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.

SIP return calculator

Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.