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

We don't give personal investment advice. LIC MF Govt Securities Fund-Regular 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: 4.42%.

LIC

LIC MF Govt Securities Fund-Regular Plan (D)

Latest NAV

₹17.4277

As of

17 Jul 2026

4,900 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	-0.15%	-0.21%	+0.07	3 / 26	Q1
1W	-0.54%	-0.52%	-0.02	17 / 26	Q3
2W	-0.56%	-0.46%	-0.10	20 / 26	Q4
1M	+1.76%	+1.28%	+0.48	10 / 26	Q2
3M	+2.64%	+2.25%	+0.40	10 / 26	Q2
6M	+2.89%	+2.35%	+0.54	10 / 26	Q2
YTD	+2.06%	+1.93%	+0.13	12 / 25	Q2
1Y	+1.00%	+1.27%	-0.27	16 / 25	Q3
2Y	+4.10%	+3.07%	+1.03	10 / 23	Q2
3Y	+5.06%	+3.80%	+1.27	14 / 23	Q3
4Y	+5.33%	+4.34%	+0.99	10 / 22	Q2
5Y	+4.42%	+3.32%	+1.10	10 / 19	Q3
7Y	+5.02%	+2.66%	+2.36	5 / 19	Q2
10Y	+5.17%	+3.01%	+2.16	5 / 14	Q2
Inception	+2.49%	+3.08%	-0.58	15 / 26	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	+2.06%	+1.93%	+0.13	12 / 25
2025	+2.93%	+2.10%	+0.83	12 / 24
2024	+8.74%	+6.37%	+2.37	10 / 23
2023	+6.02%	+4.50%	+1.52	12 / 24
2022	+1.82%	+0.99%	+0.83	9 / 19
2021	+1.73%	-0.38%	+2.11	7 / 19
2020	+10.78%	+3.90%	+6.88	5 / 19
2019	+11.51%	+5.60%	+5.91	3 / 19
2018	+7.62%	+4.05%	+3.57	4 / 19
2017	-6.64%	-1.74%	-4.90	17 / 19
2016	+6.78%	+8.76%	-1.98	9 / 15

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

+2.70%

236 windows

min -25.5% · max 23.2%

70% positive

3-Year rolling

+2.15%

211 windows

min -10.0% · max 10.1%

68% positive

5-Year rolling

+2.32%

187 windows

min -7.1% · max 7.3%

74% positive

7-Year rolling

+2.38%

163 windows

min -3.8% · max 7.5%

70% 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

3.63%

3-year · annualised

Sharpe ratio

-0.40

vs risk-free 6.5%

Sortino ratio

-0.68

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
SBI MGLT- GROWTH - PF (Regular) Option	SBI	₹43.9023	17 Jul 2026
Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW	Bandhan	₹11.7111	17 Jul 2026
quant Gilt Fund - IDCW Option - Regular Plan	Quant	₹12.1483	17 Jul 2026
Kotak Gilt-Investment Regular-Dividend	Kotak Mahindra	₹19.0286	17 Jul 2026
Edelweiss Government Securities Fund - Regular Plan - Annual - IDCW Option	Edelweiss	₹25.0948	17 Jul 2026
HSBC Gilt Fund - Regular Quarterly IDCW	HSBC	₹10.2431	17 Jul 2026
Axis Gilt Fund - Regular Plan - Half Yearly IDCW	Axis	₹12.0962	17 Jul 2026
Bajaj Finserv Gilt Fund - Regular - IDCW	Bajaj Finserv	₹1,063.8837	17 Jul 2026
Groww Gilt Fund - Regular - IDCW	Groww	₹9.8921	17 Jul 2026
LIC MF Govt Securities Fund-Regular Plan (G)	LIC	₹60.4603	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹17.4277
16 Jul 2026	₹17.4532
15 Jul 2026	₹17.4297
14 Jul 2026	₹17.4101
13 Jul 2026	₹17.5050
10 Jul 2026	₹17.5219
9 Jul 2026	₹17.4776
8 Jul 2026	₹17.4692
7 Jul 2026	₹17.5384
6 Jul 2026	₹17.5463

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 17 Jul 2026, the NAV of LIC MF Govt Securities Fund-Regular Plan (D) is ₹17.4277. It's a Gilt Fund from LIC, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

LIC MF Govt Securities Fund-Regular Plan (D) has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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-Regular 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-Regular Plan (D) has delivered a absolute return of 1.00% — -0.27 pp behind the Gilt Fund category average of 1.27%. The fund ranks #16 of 25 in its category — the third (Q3) quartile.

Over the trailing 3-year window, LIC MF Govt Securities Fund-Regular Plan (D) has delivered a CAGR of 5.06% — +1.27 pp ahead of the Gilt Fund category average of 3.80%. The fund ranks #14 of 23 in its category — the third (Q3) quartile.

Over the trailing 5-year window, LIC MF Govt Securities Fund-Regular Plan (D) has delivered a CAGR of 4.42% — +1.1 pp ahead of the Gilt Fund category average of 3.32%. The fund ranks #10 of 19 in its category — the third (Q3) quartile.

₹1 lakh invested in LIC MF Govt Securities Fund-Regular Plan (D) exactly 10 years ago would be worth approximately ₹165,537 today — a multiplier of 1.66×, based on the 10-year CAGR of 5.17%. The category average over the same window would have grown ₹1 lakh to ₹134,535.

A ₹10,000 monthly SIP in LIC MF Govt Securities Fund-Regular Plan (D) over the last 5 years — total invested ₹600,000 — would be worth ₹676,873 today. That's an XIRR (money-weighted annualised return) of 4.77%.

A ₹10,000 monthly SIP for 10 years in LIC MF Govt Securities Fund-Regular Plan (D) = ₹1,200,000 invested. It would currently be worth ₹1,569,183 (multiplier 1.31×). XIRR: 5.24%. 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-Regular Plan (D) ranks #10 out of 19 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 3.32%; this fund delivered 4.42%.

The worst peak-to-trough decline LIC MF Govt Securities Fund-Regular 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-Regular Plan (D) averaged 2.32% (best 7.31%, worst -7.08%). 74% of rolling windows ended positive. The 5-year Sharpe ratio is -0.70 — negative risk-adjusted performance.

In calendar year 2025, LIC MF Govt Securities Fund-Regular Plan (D) returned 2.93% — beating the Gilt Fund category average of 2.10% by 0.83 pp. It ranked #12 of 24 in its category that year.

LIC MF Govt Securities Fund-Regular 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-Regular 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: 4.42%.

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