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: 3.82%.

LIC

LIC MF Govt Securities Fund-Regular Plan (D)

Latest NAV

₹16.8824

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%	+0.06%	-0.12	24 / 26	Q4
1W	-0.05%	+0.06%	-0.11	23 / 26	Q4
2W	+0.43%	+0.55%	-0.13	19 / 26	Q3
1M	-0.16%	+0.05%	-0.21	22 / 26	Q4
3M	-1.22%	-1.14%	-0.08	17 / 26	Q3
6M	-0.24%	-0.33%	+0.08	15 / 25	Q3
YTD	-1.13%	-0.73%	-0.40	18 / 25	Q3
1Y	-3.29%	-2.55%	-0.74	19 / 25	Q4
2Y	+2.91%	+2.01%	+0.90	12 / 23	Q3
3Y	+4.08%	+2.92%	+1.15	14 / 23	Q3
4Y	+4.61%	+3.75%	+0.87	11 / 20	Q3
5Y	+3.82%	+2.75%	+1.08	10 / 19	Q3
7Y	+5.28%	+2.73%	+2.55	5 / 19	Q2
10Y	+4.92%	+2.95%	+1.98	5 / 14	Q2
Inception	+2.35%	+2.75%	-0.40	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	-1.13%	-0.73%	-0.40	18 / 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

+2.69%

234 windows

min -27.8% · max 26.1%

71% positive

3-Year rolling

+2.14%

210 windows

min -8.1% · max 10.1%

68% positive

5-Year rolling

+2.31%

185 windows

min -6.3% · max 7.2%

73% positive

7-Year rolling

+2.36%

161 windows

min -4.3% · max 7.3%

69% 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
SBI MGLT- GROWTH - PF (Regular) Option	SBI	₹43.0318	3 Jun 2026
Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW	Bandhan	₹11.3204	3 Jun 2026
quant Gilt Fund - IDCW Option - Regular Plan	Quant	₹11.8918	3 Jun 2026
Kotak Gilt-Investment Regular-Dividend	Kotak Mahindra	₹18.4955	3 Jun 2026
Edelweiss Government Securities Fund - Regular Plan - Annual - IDCW Option	Edelweiss	₹24.3641	3 Jun 2026
HSBC Gilt Fund - Regular Quarterly IDCW	HSBC	₹10.1535	3 Jun 2026
Axis Gilt Fund - Regular Plan - Half Yearly IDCW	Axis	₹11.7534	3 Jun 2026
Bajaj Finserv Gilt Fund - Regular - IDCW	Bajaj Finserv	₹1,032.1024	3 Jun 2026
Groww Gilt Fund - Regular - IDCW	Groww	₹9.7459	3 Jun 2026
LIC MF Govt Securities Fund-Regular Plan (G)	LIC	₹58.5686	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹16.8824
2 Jun 2026	₹16.8928
1 Jun 2026	₹16.8749
29 May 2026	₹16.9127
27 May 2026	₹16.8907
26 May 2026	₹16.8827
25 May 2026	₹16.8964
22 May 2026	₹16.8184
21 May 2026	₹16.7988
20 May 2026	₹16.8104

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-Regular Plan (D) is ₹16.8824. 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 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-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 -3.29% — -0.74 pp behind the Gilt Fund category average of -2.55%. The fund ranks #19 of 25 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, LIC MF Govt Securities Fund-Regular Plan (D) has delivered a CAGR of 4.08% — +1.15 pp ahead of the Gilt Fund category average of 2.92%. 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 3.82% — +1.08 pp ahead of the Gilt Fund category average of 2.75%. 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 ₹161,727 today — a multiplier of 1.62×, based on the 10-year CAGR of 4.92%. The category average over the same window would have grown ₹1 lakh to ₹133,732.

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 ₹658,966 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-Regular Plan (D) = ₹1,200,000 invested. It would currently be worth ₹1,529,582 (multiplier 1.27×). XIRR: 4.74%. 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 2.75%; this fund delivered 3.82%.

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 2.31% (best 7.24%, worst -6.35%). 73% 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-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: 3.82%.

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