Should I invest in LIC MF Medium to Long Duration Fund?

We don't give personal investment advice. LIC MF Medium to Long Duration Fund-Direct Plan-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: 2.1%. 5-year CAGR: 6.40%.

LIC

LIC MF Medium to Long Duration Fund-Direct Plan-IDCW

Latest NAV

₹19.8351

As of

17 Jul 2026

3,264 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	-0.04%	-6.86%	+6.83	649 / 1087	Q3
1W	-0.16%	-9.76%	+9.61	424 / 998	Q2
2W	-0.20%	-9.73%	+9.54	428 / 997	Q2
1M	+1.20%	-9.76%	+10.96	14 / 991	Q1
3M	+2.37%	-9.36%	+11.72	29 / 984	Q1
6M	+3.52%	-8.72%	+12.24	77 / 949	Q1
YTD	+3.23%	-8.84%	+12.07	79 / 949	Q1
1Y	+4.50%	-6.67%	+11.17	247 / 916	Q2
2Y	+7.49%	-2.45%	+9.94	99 / 867	Q1
3Y	+7.50%	-1.11%	+8.62	157 / 835	Q1
4Y	+7.93%	+2.90%	+5.03	13 / 143	Q1
5Y	+6.40%	+2.71%	+3.70	19 / 91	Q1
7Y	+6.35%	+2.61%	+3.74	11 / 54	Q1
10Y	+6.37%	+2.62%	+3.75	2 / 34	Q1
Inception	+4.76%	+0.47%	+4.29	382 / 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	+3.23%	+0.83%	+2.40	12 / 112
2025	+7.19%	+4.71%	+2.48	36 / 122
2024	+10.29%	+5.86%	+4.43	2 / 127
2023	+7.06%	+4.21%	+2.85	52 / 117
2022	+3.35%	-7.69%	+11.04	37 / 273
2021	+1.42%	-4.54%	+5.97	194 / 458
2020	+9.70%	+2.15%	+7.55	121 / 625
2019	+10.54%	+3.58%	+6.96	58 / 607
2018	+5.49%	+1.75%	+3.73	127 / 314
2017	+0.48%	+2.07%	-1.59	127 / 207
2016	+4.14%	+3.56%	+0.58	97 / 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

+5.24%

153 windows

min -6.6% · max 13.1%

90% positive

3-Year rolling

+5.09%

129 windows

min -0.5% · max 9.3%

98% positive

5-Year rolling

+5.27%

104 windows

min 1.0% · max 7.1%

100% positive

7-Year rolling

+5.53%

80 windows

min 3.2% · max 7.7%

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

2.44%

3-year · annualised

Sharpe ratio

0.34

vs risk-free 6.5%

Sortino ratio

1.42

Downside-only deviation

Max drawdown

-1.63%

Mar 2026 → Apr 2026

% positive months

88.9%

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	₹19.8351
16 Jul 2026	₹19.8422
15 Jul 2026	₹19.8249
14 Jul 2026	₹19.8018
13 Jul 2026	₹19.8624
10 Jul 2026	₹19.8665
9 Jul 2026	₹19.8382
8 Jul 2026	₹19.8282
7 Jul 2026	₹19.8817
6 Jul 2026	₹19.8912

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 LIC MF Medium to Long Duration Fund-Direct Plan-IDCW is ₹19.8351. It's a Medium to Long Duration Fund from LIC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

LIC MF Medium to Long Duration Fund-Direct Plan-IDCW has NAV history starting from 08 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.

LIC MF Medium to Long Duration Fund-Direct Plan-IDCW is managed by LIC. 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, LIC MF Medium to Long Duration Fund-Direct Plan-IDCW has delivered a absolute return of 4.50% — +11.17 pp ahead of the Medium to Long Duration Fund category average of -6.67%. The fund ranks #247 of 916 in its category — the second (Q2) quartile.

Over the trailing 3-year window, LIC MF Medium to Long Duration Fund-Direct Plan-IDCW has delivered a CAGR of 7.50% — +8.62 pp ahead of the Medium to Long Duration Fund category average of -1.11%. The fund ranks #157 of 835 in its category — the top (Q1) quartile.

Over the trailing 5-year window, LIC MF Medium to Long Duration Fund-Direct Plan-IDCW has delivered a CAGR of 6.40% — +3.7 pp ahead of the Medium to Long Duration Fund category average of 2.71%. The fund ranks #19 of 91 in its category — the top (Q1) quartile.

₹1 lakh invested in LIC MF Medium to Long Duration Fund-Direct Plan-IDCW exactly 10 years ago would be worth approximately ₹185,513 today — a multiplier of 1.86×, based on the 10-year CAGR of 6.37%. The category average over the same window would have grown ₹1 lakh to ₹129,515.

A ₹10,000 monthly SIP in LIC MF Medium to Long Duration Fund-Direct Plan-IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹720,905 today. That's an XIRR (money-weighted annualised return) of 7.27%.

A ₹10,000 monthly SIP for 10 years in LIC MF Medium to Long Duration Fund-Direct Plan-IDCW = ₹1,200,000 invested. It would currently be worth ₹1,692,827 (multiplier 1.41×). XIRR: 6.69%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, LIC MF Medium to Long Duration Fund-Direct Plan-IDCW ranks #19 out of 91 funds in the Medium to Long Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.71%; this fund delivered 6.40%.

The worst peak-to-trough decline LIC MF Medium to Long Duration Fund-Direct Plan-IDCW has experienced over the last 5-year window is 2.09% — its NAV fell from a high on 05 Apr 2022 to a low on 13 Jun 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, LIC MF Medium to Long Duration Fund-Direct Plan-IDCW averaged 5.27% (best 7.10%, worst 1.03%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.10 — negative risk-adjusted performance.

In calendar year 2025, LIC MF Medium to Long Duration Fund-Direct Plan-IDCW returned 7.19% — beating the Medium to Long Duration Fund category average of 4.71% by 2.48 pp. It ranked #36 of 122 in its category that year.

LIC MF Medium to Long Duration Fund-Direct Plan-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. LIC MF Medium to Long Duration Fund-Direct Plan-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: 2.1%. 5-year CAGR: 6.40%.

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