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: 5.92%.

LIC

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

Latest NAV

₹19.3708

As of

3 Jun 2026

3,233 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%	-6.79%	+6.75	678 / 1087	Q3
1W	+0.08%	-9.68%	+9.76	242 / 998	Q1
2W	+0.45%	-9.65%	+10.09	27 / 997	Q1
1M	+0.15%	-9.71%	+9.86	388 / 991	Q2
3M	+0.00%	-9.39%	+9.39	384 / 984	Q2
6M	+1.11%	-8.74%	+9.86	325 / 949	Q2
YTD	+0.81%	-8.86%	+9.68	339 / 949	Q2
1Y	+1.76%	-6.69%	+8.45	327 / 916	Q2
2Y	+6.73%	-2.42%	+9.15	205 / 867	Q1
3Y	+6.81%	-1.12%	+7.93	232 / 833	Q2
4Y	+7.52%	+2.93%	+4.59	28 / 140	Q1
5Y	+5.92%	+2.47%	+3.45	26 / 87	Q2
7Y	+6.48%	+2.67%	+3.81	11 / 52	Q1
10Y	+6.15%	+2.62%	+3.53	3 / 34	Q1
Inception	+4.62%	+0.48%	+4.14	385 / 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	+0.81%	+0.62%	+0.19	71 / 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

+5.19%

152 windows

min -7.6% · max 13.7%

89% positive

3-Year rolling

+5.12%

127 windows

min -0.8% · max 9.4%

98% positive

5-Year rolling

+5.23%

103 windows

min 1.1% · max 7.1%

100% positive

7-Year rolling

+5.51%

79 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

2.61%

3-year · annualised

Sharpe ratio

0.05

vs risk-free 6.5%

Sortino ratio

0.11

Downside-only deviation

Max drawdown

-1.63%

Mar 2026 → Apr 2026

% positive months

83.3%

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	₹10.0419	3 Jun 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - DIRECT Plan - IDCW Option	Nippon India	₹17.3687	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.4021	3 Jun 2026
ICICI Prudential Bond Fund - Direct Plan - Half Yearly IDCW	ICICI Prudential	₹10.7370	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN HALF YEARLY-IDCW (3652 days)	Bandhan	₹11.3171	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Direct Plan - Payout of IDCW option	Aditya Birla Sun Life	₹13.5041	3 Jun 2026
Franklin India Medium to Long Duration Fund - Direct - IDCW	Franklin India	₹10.4993	3 Jun 2026
Kotak Bond Fund - Direct Plan - Standard IDCW option	Kotak	₹29.3456	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Direct - IDCW	DSP	₹13.2410	3 Jun 2026
HSBC Medium to Long Duration Fund - Direct Quarterly IDCW	HSBC	₹10.3575	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹19.3708
2 Jun 2026	₹19.3782
1 Jun 2026	₹19.3629
29 May 2026	₹19.3675
27 May 2026	₹19.3550
26 May 2026	₹19.3436
25 May 2026	₹19.3406
22 May 2026	₹19.2805
21 May 2026	₹19.2678
20 May 2026	₹19.2845

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 03 Jun 2026, the NAV of LIC MF Medium to Long Duration Fund-Direct Plan-IDCW is ₹19.3708. 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 4 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 1.76% — +8.45 pp ahead of the Medium to Long Duration Fund category average of -6.69%. The fund ranks #327 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 6.81% — +7.93 pp ahead of the Medium to Long Duration Fund category average of -1.12%. The fund ranks #232 of 833 in its category — the second (Q2) quartile.

Over the trailing 5-year window, LIC MF Medium to Long Duration Fund-Direct Plan-IDCW has delivered a CAGR of 5.92% — +3.45 pp ahead of the Medium to Long Duration Fund category average of 2.47%. The fund ranks #26 of 87 in its category — the second (Q2) quartile.

₹1 lakh invested in LIC MF Medium to Long Duration Fund-Direct Plan-IDCW exactly 10 years ago would be worth approximately ₹181,621 today — a multiplier of 1.82×, based on the 10-year CAGR of 6.15%. The category average over the same window would have grown ₹1 lakh to ₹129,492.

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 ₹709,088 today. That's an XIRR (money-weighted annualised return) of 6.61%.

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 ₹1,665,052 (multiplier 1.39×). XIRR: 6.37%. 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 #26 out of 87 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 2.47%; this fund delivered 5.92%.

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 5.23% (best 7.11%, worst 1.12%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.27 — 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: 5.92%.

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