LIC MF Gold ETF Fund of Fund
FoF Domestic · LIC Mutual Fund Asset Management Limited
Among the 470 funds in its category, this one has grown money faster than most. ₹1 lakh invested 3 years ago would be about ₹2.5 lakh today. Investing ₹10,000 every month for the last 3 years would have put in ₹3.7 lakh and grown it to about ₹6.2 lakh. Be warned: in its worst stretch, ₹1 lakh briefly shrank to about ₹82,860. Expect meaningful ups and downs on the way.
New to fund research? Start with the 5-minute guide. The detailed numbers below back all of this up.LIC MF Gold ETF Fund of Fund is a FoF Domestic fund from LIC Mutual Fund Asset Management Limited. It has a track record of about 3.1 years. As of the latest data it carries an RS rating of 74/99 (its recent momentum versus category peers) and a King Score of 78/100 (a long-term quality composite). The current NAV is ₹41.0 (as of 2026-09-16).
Growth of ₹100 - last 3 years
LIC MF Gold ETF Fund of Fund returns: last 1, 3, 5 and 10 years
| Period | This fund | Category average |
|---|---|---|
| 1 month | -0.63% | -1.68% |
| 3 months | 0.07% | -0.37% |
| 6 months | -2.65% | 2.56% |
| 1 year | 35.7% | 18.46% |
| 3 years (CAGR) | 35.54% | 18.94% |
Its trailing one-year return is 35.7%. Trailing returns flatter or disappoint depending on the end date you pick - the year-by-year and rolling-return sections below are a fairer read.
Year-by-year returns
| Year | LIC MF Gold ETF Fund o | Benchmark |
|---|---|---|
| 2024 | +19.2% | +15.2% |
| 2025 | +79.7% | +6.7% |
| 2026 | +8.1% | -5.8% |
LIC MF Gold ETF Fund of Fund beat its benchmark in 3 of the last 3 calendar years. That is a strong hit-rate - most active funds fail to clear their index this often. Consistency against the benchmark matters more than any single great year.
Calendar-year returns show how bumpy the ride really was - an average hides the good years and the ugly ones.
What a monthly SIP in LIC MF Gold ETF Fund of Fund would have made
A ₹10,000-a-month SIP, using this fund's actual NAV history. SIP returns (XIRR) differ from lumpsum CAGR because your money goes in gradually, averaging your entry price.
| SIP duration | You invested | It became | XIRR |
|---|---|---|---|
| 3 years | ₹370,000 | ₹623,220 | 36.85% |
Over 3 years, ₹370,000 invested in monthly instalments would have grown to about ₹623,220 - an XIRR of 36.85%. Figures are pre-tax and assume you stayed invested throughout.
Risk & drawdowns
| Measure | This fund | Category average |
|---|---|---|
| Worst drawdown (lifetime) | -17.14% | -18.66% |
| Worst drawdown (3Y) | -17.14% | -15.66% |
| Volatility (1Y) | 39.73% | 23.47% |
| Sharpe (3Y) | 1.23 | 0.59 |
| Sortino (3Y) | 2.44 | 1.3 |
| Beta (3Y) | -0.0 | 0.39 |
| Alpha (3Y) | 28.86% | 12.5% |
| Up capture | 47.8% | 61.1% |
| Down capture | -34.7% | 21.88% |
| Bull-market return | 39.9% | 31.51% |
| Bear-market return | 45.6% | -5.21% |
Timing matters more than people admit: the best possible 1-year stretch in LIC MF Gold ETF Fund of Fund (starting 2025-01-20) gained 102.9%, while the worst (starting 2023-08-09) still made 15.7%. The worst peak-to-bottom fall LIC MF Gold ETF Fund of Fund has ever put investors through is -17.14% - the real test of whether you'd have stayed invested. In falling markets (Nifty below its 200-day average) it has returned about 45.6% annualised, versus 39.9% in rising markets. It has captured roughly 47.8% of its benchmark's up-moves and -34.7% of its down-moves.
How LIC MF Gold ETF Fund of Fund behaves when markets fall
When the market is falling (the Nifty below its 200-day average), LIC MF Gold ETF Fund of Fund has historically returned about 45.6% annualised, versus roughly 39.9% when the market is rising. Its deepest fall on record is -17.14%. Right now it sits about 10.56% below its all-time high (last hit 2026-03-02). The real question isn't the average year - it's whether you could hold on through the worst one.
How LIC MF Gold ETF Fund of Fund ranks in its category
Percentile versus its ~470 category peers - 100th is best-in-class, 50th is average. This is the fairest apples-to-apples read.
Consistency (rolling returns)
Rolling-return data isn't available for this fund yet.
Who manages LIC MF Gold ETF Fund of Fund - and how good are they?
LIC MF Gold ETF Fund of Fund is managed by Sumit Bhatnagar. Below is each manager's complete track record - every fund they currently run, judged on the same numbers as everything else on this page - so you can see whether this fund is in strong hands or is the outlier in a weak book.
Sumit Bhatnagar's full record
Sumit Bhatnagar currently runs 8 funds, across Aggressive Hybrid Fund, Conservative Hybrid Fund, ELSS, FoF Domestic and more, with about ₹6,220 Cr under management. The book's average King Score is 65.8/100. This fund is the highest-scored fund they run (King 78/100).
Tap any column heading to sort.
| # | Fund | RS | King | 3M | 6M | 1Y | 3Y CAGR | 5Y CAGR | 10Y CAGR | Sharpe | Roll 3Y | Worst fall |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | LIC MF Gold ETF Fund of Fund (this page) | 74 | 78 | 0.1% | -2.6% | 35.7% | 35.5% | n/a | n/a | 1.23 | n/a | -17.1% |
| 2 | LIC MF Infrastructure Fund | 60 | 78 | -1.5% | 12.5% | 7.9% | 22.5% | 20.9% | 17.3% | 0.76 | 15.3% | -39.6% |
| 3 | LIC MF Conservative Hybrid Fund | 84 | 77 | 0.8% | 1.7% | 3.7% | 6.3% | 5.5% | 6.6% | -0.04 | 7.2% | -7.9% |
| 4 | LIC MF Aggressive Hybrid Fund | 79 | 68 | 1.7% | 7.3% | 1.2% | 10.2% | 8.3% | 9.8% | 0.31 | 10.8% | -28.2% |
| 5 | LIC MF ELSS Tax Saver | 38 | 49 | 0.6% | 5.1% | -5.0% | 8.7% | 8.6% | 11.9% | 0.17 | 15.0% | -35.7% |
| 6 | LIC MF Large Cap Fund | 46 | 45 | -0.7% | 1.8% | -6.4% | 6.8% | 5.9% | 10.3% | 0.02 | 12.9% | -33.1% |
| 7 | LIC MF Multi Asset Allocation Fund | 57 | n/a | 0.2% | 5.0% | 6.3% | n/a | n/a | n/a | 0.6 | n/a | -11.4% |
| 8 | LIC MF Consumption Fund | n/a | n/a | -0.3% | 7.5% | n/a | n/a | n/a | n/a | n/a | n/a | -14.8% |
A caveat worth keeping: funds often have co-managers, and results belong to the whole team and process rather than one person. A manager's book tells you about their range and consistency, not a guarantee of skill.
Cost & fund basics
| Detail | Value |
|---|---|
| Expense ratio (Direct) | 0.3% |
| Exit load | ≈1% if redeemed within 1 year (typical) |
| Minimum investment | ₹5000 |
| Fund size (AUM) | ₹824 Cr |
| Age | 3.1 years |
| Plan / Option | Direct · Growth |
| Benchmark | NIFTY500 |
How LIC MF Gold ETF Fund of Fund compares to peers
| Fund | RS | King | 3Y CAGR |
|---|---|---|---|
| UTI Gold ETF Fund of Fund | 88 | 82 | 36.0% |
| Motilal Oswal Gold and Silver Passive Fund of Funds(Direct ) | 88 | 78 | 37.9% |
| Edelweiss Gold and Silver ETF FOF | 88 | 77 | 40.5% |
| Nippon India Multi - Asset Omni FoF | 63 | 76 | 15.7% |
| Axis Silver Fund of Fund | 94 | 73 | 45.3% |
| ICICI Prudential Passive Multi-Asset Fund of Funds | 62 | 72 | 12.7% |
Overlap warning: funds in the same category often own many of the same stocks - holding several rarely adds the diversification people expect.
What these numbers mean
RS rating (1-99) ranks a fund's recent momentum against its category - higher is stronger right now. King Score (0-100) is a long-term quality composite (returns, consistency, drawdown, risk-adjusted return) versus peers. Max drawdown is the worst peak-to-bottom fall the fund has ever experienced. Rolling returns test every possible start date, so one lucky (or unlucky) entry point can't distort the picture. Every formula behind this page is public - see how we calculate every number.
LIC MF Gold ETF Fund of Fund review: the bottom line
Related
Frequently asked questions
Is LIC MF Gold ETF Fund of Fund a good mutual fund?
That depends on your goals and risk tolerance - this is descriptive research, not advice. On the numbers, LIC MF Gold ETF Fund of Fund scores 78/100 on our King Score and RS 74/99 within its category, has compounded 35.54% a year over three years, and its worst drawdown was -17.14%. Compare those against your needs and the peer table above.
What is the NAV of LIC MF Gold ETF Fund of Fund today?
The latest NAV is ₹41.0 (as of 2026-09-16). NAV (net asset value) is the per-unit price of the fund, published every business day by the AMC.
What is the expense ratio of LIC MF Gold ETF Fund of Fund?
The Direct-plan expense ratio is 0.3% a year. The Direct plan is cheaper than the Regular plan because it carries no distributor commission - over decades that gap compounds meaningfully.
Who is the fund manager of LIC MF Gold ETF Fund of Fund?
LIC MF Gold ETF Fund of Fund is managed by Sumit Bhatnagar.
Is LIC MF Gold ETF Fund of Fund safe? How risky is it?
No market-linked fund is 'safe' in the fixed-deposit sense - the honest question is how deep its falls get. Its worst historical drawdown was -17.14% - ₹1 lakh briefly becoming about ₹82,860. As a gold & silver fund, its risk profile is typical of that category. Look at the drawdown, volatility and bear-market figures above and ask whether you could stay invested through the bad stretches.
Is LIC MF Gold ETF Fund of Fund good for SIP?
We can't tell you what to do, but here is what actually happened: a ₹10,000 monthly SIP over the last 3 years grew ₹3.7 lakh into about ₹6.2 lakh (XIRR 36.85%). SIPs average your entry price, which helps most in funds that swing hard - check the crash-behaviour section above to see how it treats investors in bad markets.
What are the SIP returns of LIC MF Gold ETF Fund of Fund?
A ₹10,000/month SIP over 3 years would have grown to about ₹623,220 (an XIRR of 36.85%) on ₹370,000 invested, using the fund's actual NAV history. See the SIP table above for other durations.
How does LIC MF Gold ETF Fund of Fund rank among similar funds?
On 3-year returns it sits around the 86th percentile of its category, and its consistency ranks 82th percentile. 100th is best-in-class, 50th is average. See the category-ranking section above.
Is LIC MF Gold ETF Fund of Fund tax-efficient / what about capital gains?
As a gold & silver fund, gains follow the rules for its asset class - equity-oriented funds are taxed differently from debt. All returns on this page are pre-tax; your actual post-tax return depends on your holding period and slab. This is descriptive information, not tax advice.
Direct or Regular plan - which is shown here?
All figures on this page are for the Direct-Growth plan (no distributor commission, lower cost). Returns are pre-tax; capital-gains tax depends on your own holding period and slab.
See LIC MF Gold ETF Fund of Fund live in the MF Terminal
Everything above is a static snapshot. The terminal is where you actually research it:
- Interactive price chart with EMAs & RSI
- The RS line plotted against its benchmark
- Full holdings, sector mix & portfolio overlap
- Point-in-time backtester & portfolio doctor
- Compare it side-by-side with any peer
- Screen 1,600+ funds on the same metrics
Data: AMFI NAV history, NSE indices, BSE StAR and monthly disclosures. All figures are pre-tax. Descriptive research and education only - nothing here is investment advice or a recommendation to buy, sell or hold any fund. Past performance does not guarantee future returns.