Should I invest in JM Medium to Long Duration Fund (Direct) - Quarterly IDCW?

We don't give personal investment advice. JM Medium to Long Duration Fund (Direct) - Quarterly IDCW 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: 3.3%. 5-year CAGR: 5.68%.

JM Medium to Long Duration Fund (Direct) - Quarterly IDCW

Latest NAV

₹25.5230

As of

17 Jul 2026

3,269 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	-0.04%	-6.86%	+6.83	653 / 1087	Q3
1W	-0.14%	-9.76%	+9.62	416 / 998	Q2
2W	-0.05%	-9.73%	+9.69	400 / 997	Q2
1M	+0.67%	-9.76%	+10.43	55 / 991	Q1
3M	+1.77%	-9.36%	+11.12	99 / 984	Q1
6M	+2.74%	-8.72%	+11.46	169 / 949	Q1
YTD	+2.45%	-8.84%	+11.29	150 / 949	Q1
1Y	+3.43%	-6.67%	+10.10	320 / 916	Q2
2Y	+6.65%	-2.45%	+9.09	210 / 867	Q1
3Y	+6.81%	-1.11%	+7.92	238 / 835	Q2
4Y	+6.98%	+2.90%	+4.08	46 / 143	Q2
5Y	+5.68%	+2.71%	+2.97	33 / 91	Q2
7Y	+5.32%	+2.61%	+2.71	15 / 54	Q2
10Y	+4.94%	+2.62%	+2.32	8 / 34	Q1
Inception	+5.65%	+0.47%	+5.18	368 / 1085	Q2

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	+2.45%	+0.83%	+1.62	49 / 112
2025	+7.13%	+4.71%	+2.42	41 / 122
2024	+8.58%	+5.86%	+2.72	20 / 127
2023	+7.12%	+4.21%	+2.92	44 / 117
2022	+1.23%	-7.69%	+8.92	102 / 273
2021	+2.59%	-4.54%	+7.14	165 / 458
2020	+11.15%	+2.15%	+9.00	27 / 625
2019	-6.37%	+3.58%	-9.95	564 / 607
2018	+6.94%	+1.75%	+5.19	50 / 314
2017	+4.59%	+2.07%	+2.52	108 / 207
2016	+7.73%	+3.56%	+4.18	74 / 167

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

+5.85%

153 windows

min -6.5% · max 17.0%

92% positive

3-Year rolling

+5.45%

129 windows

min 0.6% · max 10.8%

100% positive

5-Year rolling

+4.96%

105 windows

min 2.5% · max 8.6%

100% positive

7-Year rolling

+4.73%

80 windows

min 3.5% · max 6.7%

100% 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

2.24%

3-year · annualised

Sharpe ratio

0.07

vs risk-free 6.5%

Sortino ratio

0.27

Downside-only deviation

Max drawdown

-1.54%

Mar 2026 → Apr 2026

% positive months

80.6%

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 Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC Charity Fund for Cancer Cure - IDCW Option - Direct Plan - 50% IDCW Donation Option	HDFC	₹10.1159	17 Jul 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - DIRECT Plan - IDCW Option	Nippon India	₹17.7273	17 Jul 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.7206	17 Jul 2026
ICICI Prudential Bond Fund - Direct Plan - Half Yearly IDCW	ICICI Prudential	₹11.0090	17 Jul 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN HALF YEARLY-IDCW (3652 days)	Bandhan	₹11.5431	17 Jul 2026
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 days) - Direct Plan - Payout of IDCW Option	Aditya Birla Sun Life	₹13.6183	17 Jul 2026
Franklin India Medium to Long Duration Fund - Direct - IDCW	Franklin India	₹10.6701	17 Jul 2026
Kotak Bond Fund - Direct Plan - Standard IDCW option	Kotak	₹30.1720	17 Jul 2026
DSP FMP Series - 264 - 60M - 17D - Direct - IDCW	DSP	₹13.3392	17 Jul 2026
HSBC Medium to Long Duration Fund - Direct Quarterly IDCW	HSBC	₹10.4928	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹25.5230
16 Jul 2026	₹25.5326
15 Jul 2026	₹25.5058
14 Jul 2026	₹25.4775
13 Jul 2026	₹25.5569
10 Jul 2026	₹25.5593
9 Jul 2026	₹25.5065
8 Jul 2026	₹25.4918
7 Jul 2026	₹25.5707
6 Jul 2026	₹25.5723

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 JM Medium to Long Duration Fund (Direct) - Quarterly IDCW is ₹25.5230. It's a Medium to Long Duration Fund from the fund house, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

JM Medium to Long Duration Fund (Direct) - Quarterly IDCW has NAV history starting from 03 Jan 2013, a track record of about 13 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

JM Medium to Long Duration Fund (Direct) - Quarterly IDCW is managed by the fund house. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, JM Medium to Long Duration Fund (Direct) - Quarterly IDCW has delivered a absolute return of 3.43% — +10.1 pp ahead of the Medium to Long Duration Fund category average of -6.67%. The fund ranks #320 of 916 in its category — the second (Q2) quartile.

Over the trailing 3-year window, JM Medium to Long Duration Fund (Direct) - Quarterly IDCW has delivered a CAGR of 6.81% — +7.92 pp ahead of the Medium to Long Duration Fund category average of -1.11%. The fund ranks #238 of 835 in its category — the second (Q2) quartile.

Over the trailing 5-year window, JM Medium to Long Duration Fund (Direct) - Quarterly IDCW has delivered a CAGR of 5.68% — +2.97 pp ahead of the Medium to Long Duration Fund category average of 2.71%. The fund ranks #33 of 91 in its category — the second (Q2) quartile.

₹1 lakh invested in JM Medium to Long Duration Fund (Direct) - Quarterly IDCW exactly 10 years ago would be worth approximately ₹161,980 today — a multiplier of 1.62×, based on the 10-year CAGR of 4.94%. The category average over the same window would have grown ₹1 lakh to ₹129,515.

A ₹10,000 monthly SIP in JM Medium to Long Duration Fund (Direct) - Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹705,325 today. That's an XIRR (money-weighted annualised return) of 6.40%.

A ₹10,000 monthly SIP for 10 years in JM Medium to Long Duration Fund (Direct) - Quarterly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,571,700 (multiplier 1.31×). XIRR: 5.27%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, JM Medium to Long Duration Fund (Direct) - Quarterly IDCW ranks #33 out of 91 funds in the Medium to Long Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.71%; this fund delivered 5.68%.

The worst peak-to-trough decline JM Medium to Long Duration Fund (Direct) - Quarterly IDCW has experienced over the last 5-year window is 3.28% — its NAV fell from a high on 14 Feb 2022 to a low on 09 May 2022. 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, JM Medium to Long Duration Fund (Direct) - Quarterly IDCW averaged 4.96% (best 8.58%, worst 2.54%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.38 — negative risk-adjusted performance.

In calendar year 2025, JM Medium to Long Duration Fund (Direct) - Quarterly IDCW returned 7.13% — beating the Medium to Long Duration Fund category average of 4.71% by 2.42 pp. It ranked #41 of 122 in its category that year.

JM Medium to Long Duration Fund (Direct) - Quarterly IDCW 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. JM Medium to Long Duration Fund (Direct) - Quarterly IDCW 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: 3.3%. 5-year CAGR: 5.68%.

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

JM Medium to Long Duration Fund (Direct) - Quarterly IDCW

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Medium to Long Duration Fund

Recent NAVs

Frequently asked questions

More from this fund house