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

We don't give personal investment advice. LIC MF Govt Securities Fund-PF Plan (G) 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: 3.94%.

LIC

LIC MF Govt Securities Fund-PF Plan (G)

Latest NAV

₹34.0773

As of

8 Jun 2026

4,872 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	+0.58%	+0.22%	+0.36	4 / 50	Q1
1W	+0.47%	+0.30%	+0.17	11 / 50	Q1
2W	+1.03%	+0.53%	+0.50	8 / 50	Q1
1M	-0.33%	+0.16%	-0.49	48 / 50	Q4
3M	-0.26%	+0.41%	-0.67	34 / 49	Q3
6M	+0.05%	+0.69%	-0.64	32 / 48	Q3
YTD	-0.49%	+0.71%	-1.20	40 / 48	Q4
1Y	-2.67%	+0.34%	-3.01	40 / 48	Q4
2Y	+3.46%	+4.05%	-0.58	34 / 47	Q3
3Y	+4.28%	+4.48%	-0.20	33 / 46	Q3
4Y	+4.79%	+4.80%	-0.01	31 / 44	Q3
5Y	+3.94%	+3.76%	+0.18	30 / 42	Q3
7Y	+5.30%	+4.46%	+0.85	25 / 42	Q3
10Y	+6.03%	+4.84%	+1.19	21 / 42	Q2
Inception	+6.01%	+5.10%	+0.91	28 / 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	-0.49%	+0.41%	-0.90	27 / 35
2025	+2.93%	+3.16%	-0.23	25 / 37
2024	+8.74%	+7.11%	+1.63	19 / 37
2023	+6.02%	+5.56%	+0.46	28 / 37
2022	+1.82%	+1.37%	+0.45	21 / 37
2021	+1.73%	+1.03%	+0.70	21 / 37
2020	+10.78%	+8.25%	+2.53	13 / 37
2019	+11.50%	+8.56%	+2.95	11 / 37
2018	+7.62%	+3.47%	+4.15	4 / 47
2017	+0.01%	+0.07%	-0.06	29 / 47
2016	+14.43%	+11.27%	+3.16	20 / 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

+6.37%

233 windows

min -11.5% · max 24.5%

91% positive

3-Year rolling

+6.35%

210 windows

min -0.1% · max 12.4%

100% positive

5-Year rolling

+6.53%

185 windows

min 2.1% · max 9.5%

100% positive

7-Year rolling

+6.75%

161 windows

min 3.6% · max 9.3%

100% 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

3.67%

3-year · annualised

Sharpe ratio

-0.60

vs risk-free 6.5%

Sortino ratio

-1.02

Downside-only deviation

Max drawdown

-6.16%

May 2025 → Apr 2026

% positive months

75.0%

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	₹12.1341	8 Jun 2026
SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option	SBI	₹20.7989	8 Jun 2026
ICICI Prudential Gilt Fund-Investment-Dividend	ICICI Prudential	₹17.2944	8 Jun 2026
Templeton India Govt.Sec. Fund-Long Term Plan - Dividend	Franklin Templeton	₹10.6502	8 Jun 2026
Kotak Gilt-Investment Provident Fund and Trust-Dividend	Kotak Mahindra	₹11.6804	8 Jun 2026
DSP BlackRock Government Securities Fund - Dividend	DSP BlackRock	₹12.4837	8 Jun 2026
BARODA PIONEER GILT FUND-Dividend Plan	Baroda Pioneer	₹25.6108	8 Jun 2026
Canara Robeco Gilt PGS-Growth Plan	Canara Robeco	₹75.8101	8 Jun 2026
UTI - GILT ADVANTAGE-LONG TERM PF-DIVIDEND	UTI	₹26.6114	8 Jun 2026
PGIM India Gilt Fund - Quarterly Dividend	PGIM India	₹13.3009	8 Jun 2026

Recent NAVs

Date	NAV
8 Jun 2026	₹34.0773
5 Jun 2026	₹34.0476
4 Jun 2026	₹33.8529
3 Jun 2026	₹33.8271
2 Jun 2026	₹33.8479
1 Jun 2026	₹33.8120
29 May 2026	₹33.8878
27 May 2026	₹33.8438
26 May 2026	₹33.8278
25 May 2026	₹33.8552

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 08 Jun 2026, the NAV of LIC MF Govt Securities Fund-PF Plan (G) is ₹34.0773. 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 (G) 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 (G) 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 (G) has delivered a absolute return of -2.67% — -3.01 pp behind the Gilt Fund category average of 0.34%. The fund ranks #40 of 48 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, LIC MF Govt Securities Fund-PF Plan (G) has delivered a CAGR of 4.28% — -0.2 pp behind the Gilt Fund category average of 4.48%. The fund ranks #33 of 46 in its category — the third (Q3) quartile.

Over the trailing 5-year window, LIC MF Govt Securities Fund-PF Plan (G) has delivered a CAGR of 3.94% — +0.18 pp ahead of the Gilt Fund category average of 3.76%. The fund ranks #30 of 42 in its category — the third (Q3) quartile.

₹1 lakh invested in LIC MF Govt Securities Fund-PF Plan (G) exactly 10 years ago would be worth approximately ₹179,628 today — a multiplier of 1.80×, based on the 10-year CAGR of 6.03%. The category average over the same window would have grown ₹1 lakh to ₹160,466.

A ₹10,000 monthly SIP in LIC MF Govt Securities Fund-PF Plan (G) over the last 5 years — total invested ₹600,000 — would be worth ₹662,955 today. That's an XIRR (money-weighted annualised return) of 3.94%.

A ₹10,000 monthly SIP for 10 years in LIC MF Govt Securities Fund-PF Plan (G) = ₹1,200,000 invested. It would currently be worth ₹1,554,286 (multiplier 1.30×). XIRR: 5.05%. 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 (G) 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 3.76%; this fund delivered 3.94%.

The worst peak-to-trough decline LIC MF Govt Securities Fund-PF Plan (G) has experienced over the last 5-year window is 6.16% — 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 (G) averaged 6.53% (best 9.50%, worst 2.09%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.83 — negative risk-adjusted performance.

In calendar year 2025, LIC MF Govt Securities Fund-PF Plan (G) returned 2.93% — lagging the Gilt Fund category average of 3.16% by 0.23 pp. It ranked #25 of 37 in its category that year.

LIC MF Govt Securities Fund-PF Plan (G) 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 (G) 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: 3.94%.

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

LIC MF Govt Securities Fund-PF Plan (G)

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Gilt Fund

Recent NAVs

Frequently asked questions

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