Kotak Gilt-Investment Regular-Growth vs LIC MF Gilt Fund
Gilt Fund · Direct Plan – Growth · Compared on official AMFI NAV data · NAVs as of 14-Aug-2026
| Metric | Kotak Gilt-Investment Regular-Growth | LIC MF Gilt Fund |
|---|---|---|
| Latest NAV | ₹112.82 | ₹67.64 |
| 1-Year Return | +3.10% | +1.93% |
| 3-Year Return (CAGR) | +6.75% | +5.87% |
| 5-Year Return (CAGR) | N/A | N/A |
| Volatility (1Y, annualised) | 4.1% | 4.7% |
| Max Drawdown | −4.7% | −5.6% |
| Fund House | Kotak Mahindra Mutual Fund | LIC Mutual Fund |
Growth of ₹10,000
If you had invested ₹10,000 in each fund
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Kotak Gilt-Investment Regular-Growth vs LIC MF Gilt Fund: which is better?
Kotak Gilt-Investment Regular-Growth and LIC MF Gilt Fund are both gilt fund mutual funds (direct plan, growth option). This comparison uses each fund's official AMFI NAV history — the same daily data the fund houses publish — to compare returns, volatility and drawdowns side by side.
On 3-year returns (annualised), Kotak Gilt-Investment Regular-Growth leads with +6.75% against +5.87% — a gap of about 0.88 percentage points per year over that period.
Kotak Gilt-Investment Regular-Growth has been the steadier fund over the past year, with annualised volatility of 4.1% versus 4.7%. Looking at worst falls, Kotak Gilt-Investment Regular-Growth's deepest drawdown in the stored history is −4.7% against −5.6% for LIC MF Gilt Fund.
Which fund suits you depends on your horizon and appetite for swings: the higher-return fund is only the better pick if you can hold through its rougher months. Use the ₹10,000 growth chart above to see how each fund actually behaved through market cycles, and consider consulting a SEBI-registered adviser before investing. This comparison is informational, not investment advice.
Key takeaways
- Kotak Gilt-Investment Regular-Growth has delivered higher 3-year returns (+6.75% vs +5.87%).
- Kotak Gilt-Investment Regular-Growth has shown lower volatility over the trailing year.
- Kotak Gilt-Investment Regular-Growth has had the shallower maximum drawdown (−4.7%).
Frequently Asked Questions
Which fund has given higher returns — Kotak Gilt-Investment Regular-Growth or LIC MF Gilt Fund?
Over the past 3 year period, Kotak Gilt-Investment Regular-Growth has delivered higher returns: +6.75% versus +5.87% annualised. Past performance does not guarantee future results.
Which fund is less risky — Kotak Gilt-Investment Regular-Growth or LIC MF Gilt Fund?
Based on the trailing year, Kotak Gilt-Investment Regular-Growth has shown lower day-to-day volatility (Kotak Gilt-Investment Regular-Growth: 4.1%, LIC MF Gilt Fund: 4.7% annualised). Volatility and drawdowns describe past behaviour, not future safety — both funds carry the market risk of their category.
Can I invest in both Kotak Gilt-Investment Regular-Growth and LIC MF Gilt Fund?
Yes — many investors split a SIP across two funds. If both funds are from the same category, remember they will hold overlapping stocks, so diversification benefits may be smaller than they appear. Check each scheme's portfolio before doubling up within one category.
More Gilt Fund comparisons
Returns, volatility and drawdowns are computed from official AMFI NAV history for direct-growth plans and may differ slightly from fund-house factsheets due to date conventions. Mutual fund investments are subject to market risks. This comparison is for informational purposes only — not investment advice.