Should I invest in LIC MF Govt Securities Fund-PF Plan (D)?

We don't give personal investment advice. LIC MF Govt Securities Fund-PF Plan (D) is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 6.2%. 5-year CAGR: 3.82%.

LIC

LIC MF Govt Securities Fund-PF Plan (D)

Latest NAV

₹21.8896

As of

3 Jun 2026

4,869 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-0.06%	+0.05%	-0.11	46 / 50	Q4
1W	-0.05%	+0.10%	-0.15	45 / 50	Q4
2W	+0.43%	+0.33%	+0.10	22 / 50	Q2
1M	-0.16%	+0.17%	-0.33	40 / 50	Q4
3M	-1.22%	-0.05%	-1.17	38 / 49	Q4
6M	-0.24%	+0.58%	-0.82	37 / 48	Q4
YTD	-1.13%	+0.44%	-1.57	41 / 48	Q4
1Y	-3.29%	-0.07%	-3.23	41 / 48	Q4
2Y	+2.91%	+3.72%	-0.81	34 / 47	Q3
3Y	+4.08%	+4.38%	-0.30	32 / 46	Q3
4Y	+4.61%	+4.72%	-0.10	30 / 44	Q3
5Y	+3.82%	+3.72%	+0.11	30 / 42	Q3
7Y	+5.28%	+4.46%	+0.82	25 / 42	Q3
10Y	+5.96%	+4.82%	+1.14	20 / 42	Q2
Inception	+3.71%	+5.09%	-1.37	32 / 50	Q3

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-1.13%	+0.03%	-1.16	28 / 35
2025	+2.93%	+3.16%	-0.23	24 / 37
2024	+8.74%	+7.11%	+1.63	18 / 37
2023	+6.02%	+5.56%	+0.46	27 / 37
2022	+1.82%	+1.37%	+0.45	20 / 37
2021	+1.73%	+1.03%	+0.70	22 / 37
2020	+10.78%	+8.25%	+2.53	14 / 37
2019	+11.51%	+8.56%	+2.95	10 / 37
2018	+7.62%	+3.47%	+4.15	3 / 47
2017	+0.01%	+0.07%	-0.06	30 / 47
2016	+14.43%	+11.27%	+3.16	21 / 46

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+4.15%

234 windows

min -14.3% · max 26.1%

78% positive

3-Year rolling

+3.81%

210 windows

min -8.2% · max 12.1%

80% positive

5-Year rolling

+3.64%

185 windows

min -6.3% · max 9.5%

74% positive

7-Year rolling

+3.81%

161 windows

min -2.5% · max 9.3%

75% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

4.55%

3-year · annualised

Sharpe ratio

-0.53

vs risk-free 6.5%

Sortino ratio

-0.81

Downside-only deviation

Max drawdown

-6.15%

May 2025 → Apr 2026

% positive months

69.4%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Gilt Fund

Scheme	Fund house	NAV	As of
HDFC Gilt Fund-Long Term-Dividend	HDFC	₹12.0577	3 Jun 2026
SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option	SBI	₹20.7036	3 Jun 2026
ICICI Prudential Gilt Fund-Investment-Dividend	ICICI Prudential	₹17.1914	3 Jun 2026
Templeton India Govt.Sec. Fund-Long Term Plan - Dividend	Franklin Templeton	₹10.6205	3 Jun 2026
Kotak Gilt-Investment Provident Fund and Trust-Dividend	Kotak Mahindra	₹11.6326	3 Jun 2026
DSP BlackRock Government Securities Fund - Dividend	DSP BlackRock	₹12.3761	3 Jun 2026
BARODA PIONEER GILT FUND-Dividend Plan	Baroda Pioneer	₹25.4008	3 Jun 2026
Canara Robeco Gilt PGS-Growth Plan	Canara Robeco	₹75.5222	3 Jun 2026
UTI - GILT ADVANTAGE-LONG TERM PF-DIVIDEND	UTI	₹26.5331	3 Jun 2026
PGIM India Gilt Fund - Quarterly Dividend	PGIM India	₹13.2250	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹21.8896
2 Jun 2026	₹21.9031
1 Jun 2026	₹21.8798
29 May 2026	₹21.9289
27 May 2026	₹21.9004
26 May 2026	₹21.8900
25 May 2026	₹21.9078
22 May 2026	₹21.8066
21 May 2026	₹21.7812
20 May 2026	₹21.7962

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of LIC MF Govt Securities Fund-PF Plan (D) is ₹21.8896. It's a Gilt Fund from LIC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

LIC MF Govt Securities Fund-PF Plan (D) has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

LIC MF Govt Securities Fund-PF Plan (D) is managed by LIC. It's classified by AMFI under the 'Gilt Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LIC MF Govt Securities Fund-PF Plan (D) has delivered a absolute return of -3.29% — -3.23 pp behind the Gilt Fund category average of -0.07%. The fund ranks #41 of 48 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, LIC MF Govt Securities Fund-PF Plan (D) has delivered a CAGR of 4.08% — -0.3 pp behind the Gilt Fund category average of 4.38%. The fund ranks #32 of 46 in its category — the third (Q3) quartile.

Over the trailing 5-year window, LIC MF Govt Securities Fund-PF Plan (D) has delivered a CAGR of 3.82% — +0.11 pp ahead of the Gilt Fund category average of 3.72%. The fund ranks #30 of 42 in its category — the third (Q3) quartile.

₹1 lakh invested in LIC MF Govt Securities Fund-PF Plan (D) exactly 10 years ago would be worth approximately ₹178,383 today — a multiplier of 1.78×, based on the 10-year CAGR of 5.96%. The category average over the same window would have grown ₹1 lakh to ₹160,073.

A ₹10,000 monthly SIP in LIC MF Govt Securities Fund-PF Plan (D) over the last 5 years — total invested ₹600,000 — would be worth ₹658,967 today. That's an XIRR (money-weighted annualised return) of 3.70%.

A ₹10,000 monthly SIP for 10 years in LIC MF Govt Securities Fund-PF Plan (D) = ₹1,200,000 invested. It would currently be worth ₹1,545,256 (multiplier 1.29×). XIRR: 4.94%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, LIC MF Govt Securities Fund-PF Plan (D) ranks #30 out of 42 funds in the Gilt Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.72%; this fund delivered 3.82%.

The worst peak-to-trough decline LIC MF Govt Securities Fund-PF Plan (D) has experienced over the last 5-year window is 6.15% — its NAV fell from a high on 28 May 2025 to a low on 02 Apr 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, LIC MF Govt Securities Fund-PF Plan (D) averaged 3.64% (best 9.47%, worst -6.34%). 74% of rolling windows ended positive. The 5-year Sharpe ratio is -0.72 — negative risk-adjusted performance.

In calendar year 2025, LIC MF Govt Securities Fund-PF Plan (D) returned 2.93% — lagging the Gilt Fund category average of 3.16% by 0.23 pp. It ranked #24 of 37 in its category that year.

LIC MF Govt Securities Fund-PF Plan (D) is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. LIC MF Govt Securities Fund-PF Plan (D) is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 6.2%. 5-year CAGR: 3.82%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.