Markets / Mutual funds / Gilt
LIC Mutual Fund · Debt fund · Regular plan · IDCW
The primary objective of the scheme is to generate credit risk free and reasonable returns for its investors through investments in sovereign securities issued by the central and /or state Government and/or any security unconditionally guaranteed by the central/ state government for repayment of Principal and interest and/or reverse repos in such securities as and when permitted by RBI. There is no assurance that the investment objective of the Scheme will be achieved.
Bars: this plan; the thin mark is the Gilt average (regular plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | +0.2 | |||||||||||
| 2025 | +0.8 | -0.5 | +2.7 | +2.1 | +0.2 | -2.2 | +0.9 | -2.9 | +1.6 | +0.0 | -0.4 | +0.7 |
| 2026 | -0.2 | +0.7 | -3.3 | +1.8 | +0.3 | +3.5 | -1.0 | +0.1 | +0.0 | -0.6 | +1.4 |
Each month's change in NAV (the current month to the latest NAV).
Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.
| Share of fund | 31 Oct 2026 | 30 Sept 2026 | Change |
|---|---|---|---|
| Debt | 55.7% | 44.6% | +11.14 |
| Money market | 34.4% | 51.7% | -17.34 |
| Cash & others | 9.9% | 3.7% | +6.22 |
Change is in percentage points. Bought more and cut back list stocks whose share of the fund moved by at least 0.25 points. A share can also move because the price changed, not only because the fund traded.
| Holding | % of fund |
|---|---|
| 7.3% Government of India IN0020230051 | 33.29% |
| 91 DAYS TBILL RED 10-12-2026 IN002026X230 | 22.92% |
| 7.71% Government of India IN0020260033 | 11.68% |
| 182 DAYS TBILL RED 17-12-2026 IN002026Y113 | 11.45% |
| 7.34% Government of India IN0020240035 | 10.77% |
| Treps | 8.36% |
| Net Receivables / (Payables) | 1.53% |
From the fund house's monthly portfolio (licmf.com), as on 31 Oct 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.
Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 May 2016).
The ranges the fund is allowed to hold, not what it holds today.
| Fund size (average AUM, July - September 2026) | ₹45.03 cr across all plans · this plan ₹0.76 cr |
| Fund house | LIC Mutual Fund |
| Category | Debt · Gilt |
| Plan | Regular |
| Option | IDCW |
| Expense ratio (TER) | Direct 0.70% · Regular 1.10% (6 Nov 2026) |
| Exit load | 0.25% if exit within 30 days from date of allotment of units |
| Minimum investment | ₹10,000 · additional ₹500 |
| Scheme code (AMFI) | 100318 |
| ISIN | INF767K01717 |
| NAV date | 6 Nov 2026 |
Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.
| Plan | NAV | 1 year |
|---|---|---|
| Direct · Growth | ₹67.4223 | +3.38% |
| Direct · IDCW | ₹19.4218 | +3.36% |
| Regular · Growth | ₹60.7383 | +2.88% |
| Regular · Growth | ₹35.0803 | +2.88% |
| Regular · IDCW | ₹17.5079 | +2.88% |
| Fund | 1 year | 3 years (a year) |
|---|---|---|
| Bandhan Gilt Fund | +6.62% | +7.61% |
| Axis Gilt Fund | +4.48% | +7.37% |
| Axis Gilt Fund | +4.05% | +6.97% |
| Tata Gilt Fund | +2.72% | +6.52% |
| BARODA BNP PARIBAS GILT FUND | +2.71% | +6.44% |
| UTI - Gilt Fund | +3.92% | +6.41% |
| UTI - Gilt Fund | +3.92% | +6.41% |
| UTI - Gilt Fund | +3.92% | +6.41% |
Information only, not investment advice.
₹22.7005 as of 6 Nov 2026, from AMFI's official NAV data.
1 year: 2.88%, 3 years: 5.12% a year, 5 years: 4.44% a year
Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.