LIC MF Low Duration Fund-Growth

Q: What are the returns of LIC MF Low Duration Fund?

The LIC MF Low Duration Fund is a 22 yrs 3 m old fund and has delivered average annual returns of 6.42% since inception. LIC MF Low Duration Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.27% 6.74% 5.51% 6.1% 6.42%

NAV as of Sep 03, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹39.98+0.02% 1 day change	6.42% p.a.	App exclusive #NA View Ranked Funds	₹1,450 Cr

Historical NAV & returns

NAV: ₹39.98 as on Sep 03, 2025

This fund Category average

LIC MF Low Duration Fund overview

Expense ratio	0.94% as on Aug 31, 2025
Plan type	Regular
Exit load	0%
AUM (Fund size)	₹1,450 Cr
Lock-in Period	Nil
Age	22 yrs 3 m since May 29, 2003
Benchmark	CRISIL Low Duration Debt A-I Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Risk	Low to Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

LIC MF Low Duration Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Sep 04, 2025

Period	This fund	Category average
1 Month	0.3%	0.31%
3 Months	1.33%	1.42%
6 Months	3.81%	4.05%
1 Year	7.27%	7.6%
2 Years	7.04%	7.36%
3 Years	6.74%	7.06%
4 Years	5.82%	6.25%
5 Years	5.51%	5.85%
7 Years	5.6%	6.17%
10 Years	6.1%	6.55%

Asset allocationas on Mar 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

A1+ 58.239%

AAA 26.74380778%

SOV 17.99608877%

AA+ 9.03916452%

Top Debt Holdings

Small Industries Devp. Bank of India Ltd. 7.19%

GOI 6.17%

HDFC Bank Ltd. 6.02%

Time Technoplast Ltd. 5.66%

Allocation by Instruments

Bifurcation by Instrument is not available for this fund

Other Holdings

Others 0.2%

Detailed portfolio analysis

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
LIC MF Low Duration Fund	N.A.	1,450 Cr	22 yrs 3 m	0.94%
Sundaram Low Duration Fund	N.A.	398 Cr	21 yrs	1.15%
Mirae Asset Low Duration Fund	N.A.	1,838 Cr	17 yrs 6 m	0.85%
Mahindra Manulife Low Duration Fund	N.A.	624 Cr	8 yrs 6 m	1.09%
HDFC Low Duration Fund	N.A.	21,198 Cr	25 yrs 9 m	1.04%

Fund name	1M	6M	1Y	3Y	5Y	10Y
LIC MF Low Duration Fund	0.3%	3.81%	7.27%	6.74%	5.51%	6.1%
Sundaram Low Duration Fund	0.33%	3.84%	7.48%	6.84%	6.99%	5.95%
Mirae Asset Low Duration Fund	0.31%	3.93%	7.47%	6.91%	5.52%	5.99%
Mahindra Manulife Low Duration Fund	0.32%	3.87%	7.34%	6.83%	5.43%	5.15%
HDFC Low Duration Fund	0.27%	4.02%	7.5%	7.11%	5.93%	6.72%

Fund name	Std. deviation	Beta	Sharpe	Sortino
LIC MF Low Duration Fund	0.44	1.16	0.54	0.91
Sundaram Low Duration Fund	0.42	1.04	0.78	1.36
Mirae Asset Low Duration Fund	0.42	1.1	0.95	1.42
Mahindra Manulife Low Duration Fund	0.41	0.99	0.77	1.09
HDFC Low Duration Fund	0.45	1.05	1.32	2.21

View all Low Duration funds

Key risk & return ratios Compared to other funds in the category

Alpha	2.38 vs. 2.85 Underperformed at beating benchmark
Sharpe	0.54 vs. 3.2 Poor risk-adjusted returns
Beta	1.16 vs. 1.4 Less sensitive to market ups & downs
Standard deviation	0.44 vs. 0.39 More volatile performance

Compare LIC MF Low Duration Fund in detail with

About this fund

About LIC MF Low Duration Fund

LIC MF Low Duration Fund-Growth is a Low Duration mutual fund scheme from Lic Mutual Fund. This fund has been in existence for 22 yrs 3 m, having been launched on 29/05/2003. LIC MF Low Duration Fund-Growth has ₹1,450 Crores worth of assets under management (AUM) as on 31/03/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of LIC MF Low Duration Fund-Growth as of 03/09/2025 is ₹39.98. The fund has an expense ratio of 0.94%, which is higher than what most other Low Duration funds charge.

LIC MF Low Duration Fund-Growth returns of last 1-year are 7.29%. Since launch, it has delivered 6.43% average annual returns. The fund has doubled the money invested in it every 12 yrs.
LIC MF Low Duration Fund-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund's credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to similar borrowers and hence the risk of default in this fund is same as the category.
The fund's top holdings are in Small Industries Devp. Bank of India Ltd., GOI, HDFC Bank Ltd., Time Technoplast Ltd., Canara Bank.

...

Fund AUM	1,450 Cr as on Mar 31, 2025
Scheme document	View Scheme Document

Fund managers

Rahul Singh

Mr. Singh is a B.Sc Economic Hons.and holds a PGDM from IIM-A. Prior to joining LIC Nomura Mutual Fund , he has worked with BOI AXA Investment Managers(August 2009-August 2015) , ING Investment Management (May 2008- August 2009) Standard Chartered Bank (intern)( April 2007- May 2007) and Ashika Capital ( Jan 2004 - April 2006).

Investment objective

The scheme aims to generate income by investing in a portfolio of quality short term debt securities.

LIC Mutual Fund details

No. of schemes	30 view all schemes
Total AUM	38,854 Cr as on Jun 30, 2025
Address	Industrial Assurance Building Ground Floor, Opp. Churchgate Station Mumbai, 400020
Email	br.mumbai@licmf.com
Phone	022-66016177 / 022-66016178

More funds from LIC Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
LIC MF Banking & PSU Fund	N.A.	1,702 Cr	7.93%	7.03%
LIC MF Medium to Long Duration Fund	N.A.	191 Cr	6.61%	6.99%
LIC MF Liquid Fund	N.A.	9,367 Cr	6.82%	6.94%
LIC MF Short Duration Fund	N.A.	111 Cr	7.49%	6.66%
LIC MF Ultra Short Duration Fund	N.A.	307 Cr	6.83%	6.41%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of LIC MF Low Duration Fund?

The current Net Asset Value (NAV) of the LIC MF Low Duration Fund - Direct Growth plan is approximately ₹39.98 as of Sep 03, 2025.

What are the returns of this mutual fund scheme?

The LIC MF Low Duration Fund is a 22 yrs 3 m old fund and has delivered average annual returns of 6.42% since inception.

LIC MF Low Duration Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.27%	6.74%	5.51%	6.1%	6.42%

How much does this mutual fund charge as expense ratio?

The LIC MF Low Duration Fund - Direct Growth has an expense ratio of 0.94%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

What is the AUM or fund size of this mutual fund?

The LIC MF Low Duration Fund currently has assets under management (AUM) or fund size valued at approximately 1,450 Cr as on Mar 31, 2025.

To whom does LIC MF Low Duration Fund lend to?

The top 3 debt holdings of LIC MF Low Duration Fund are as follows

Holding Name	Percentage of Portfolio
Small Industries Devp. Bank of India Ltd.	7.19%
GOI	6.17%
HDFC Bank Ltd.	6.02%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The LIC MF Low Duration Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	58.239%
AAA	26.74380778%
SOV	17.99608877%

What is risk level of LIC MF Low Duration Fund?

This is a Low Duration fund comes with Low to Moderate risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How do I invest in LIC MF Low Duration Fund?

LIC MF Low Duration Fund-Growth is the regular plan of the fund. For this plan of you pay 0.94% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 0.25%. That's 0.69% less.

Regular plans charge more because when you buy them, the fund pays commission to the agent. This is an additional expense for the fund and to cover this expense, the fund takes a bigger share from the returns generated by your investments.

So, the lower annual cost of the direct plan means you will earn 0.69% if you opt for direct plan of LIC MF Low Duration Fund

How can I redeem my investments in LIC MF Low Duration Fund?

Redeeming your investments in LIC MF Low Duration Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in LIC MF Low Duration Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Low Duration

#NA

Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Exit Load: This fund has no exit load.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Return/Risk: The fund is performing poorly than its category.