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

We don't give personal investment advice. LIC MF Medium to Long Duration Fund-Regular Plan-Annual 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.

LIC

LIC MF Medium to Long Duration Fund-Regular Plan-Annual IDCW

Latest NAV

₹16.5751

As of

17 Jul 2026

715 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%	-5.54%	+5.50	212 / 472	Q2
1W	-0.17%	-6.74%	+6.58	170 / 472	Q2
2W	-0.21%	-6.68%	+6.47	167 / 472	Q2
1M	+1.17%	-6.66%	+7.83	3 / 472	Q1
3M	+2.27%	-6.55%	+8.82	7 / 471	Q1
6M	+3.33%	-6.19%	+9.51	17 / 443	Q1
YTD	+2.99%	-6.25%	+9.24	26 / 452	Q1
1Y	+3.77%	-4.03%	+7.81	114 / 439	Q2
2Y	+6.57%	+0.31%	+6.27	95 / 439	Q1
3Y	+6.63%	+1.74%	+4.89	113 / 439	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.72%	+1.98%	+4.74	90 / 472	Q1

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	+2.99%	+1.14%	+1.85	15 / 87
2025	+6.12%	+6.36%	-0.24	68 / 88
2024	+9.19%	+6.97%	+2.21	4 / 94
2023	—	—	—	—

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

+7.15%

25 windows

min 1.0% · max 11.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

—

Insufficient history

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

2.42%

3-year · annualised

Sharpe ratio

-0.01

vs risk-free 6.5%

Sortino ratio

-0.05

Downside-only deviation

Max drawdown

-1.64%

Mar 2026 → Apr 2026

% positive months

77.8%

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
Nippon India Fixed Maturity Plan-XLIII-Series 5- Regular Plan-Payout of IDCW	Nippon India	₹13.3689	17 Jul 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.4779	17 Jul 2026
BANDHAN Fixed Term Plan Series 179 REGULAR PLAN PERIODIC-IDCW (3652 days)	Bandhan	₹15.2970	17 Jul 2026
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 days) - Regular Plan - Payout of IDCW Option	Aditya Birla Sun Life	₹13.5537	17 Jul 2026
Kotak Bond-Regular-Annual Dividend	Kotak Mahindra	₹48.9714	17 Jul 2026
Kotak FMP Series 304-Regular Plan-Payout of IDCW	Kotak	₹13.2822	17 Jul 2026
DSP FMP Series - 264 - 60M - 17D - Regular - IDCW	DSP	₹13.2416	17 Jul 2026
HSBC Income Fund - Investment - Regular - Dividend	HSBC	₹10.6599	17 Jul 2026
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days) - Regular Plan - Payout of IDCW Option	UTI	₹12.2216	17 Jul 2026
Axis Fixed Term Plan - Series 113 (1228 Days) - Regular Plan - Half Yearly IDCW	Axis	₹12.5758	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹16.5751
16 Jul 2026	₹16.5813
15 Jul 2026	₹16.5670
14 Jul 2026	₹16.5479
13 Jul 2026	₹16.5987
10 Jul 2026	₹16.6026
9 Jul 2026	₹16.5792
8 Jul 2026	₹16.5711
7 Jul 2026	₹16.6159
6 Jul 2026	₹16.6240

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-Regular Plan-Annual IDCW is ₹16.5751. It's a Medium to Long Duration Fund from LIC, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

LIC MF Medium to Long Duration Fund-Regular Plan-Annual IDCW has NAV history starting from 31 Jul 2023, a track record of about 2 years 11 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

LIC MF Medium to Long Duration Fund-Regular Plan-Annual 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-Regular Plan-Annual IDCW has delivered a absolute return of 3.77% — +7.81 pp ahead of the Medium to Long Duration Fund category average of -4.03%. The fund ranks #114 of 439 in its category — the second (Q2) quartile.

Over the trailing 3-year window, LIC MF Medium to Long Duration Fund-Regular Plan-Annual IDCW has delivered a CAGR of 6.63% — +4.89 pp ahead of the Medium to Long Duration Fund category average of 1.74%. The fund ranks #113 of 439 in its category — the second (Q2) quartile.

LIC MF Medium to Long Duration Fund-Regular Plan-Annual IDCW doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in LIC MF Medium to Long Duration Fund-Regular Plan-Annual IDCW exactly 3 years ago would be worth approximately ₹121,251 today — a multiplier of 1.21×, based on the 3-year CAGR of 6.63%. The category average over the same window would have grown ₹1 lakh to ₹105,319.

A ₹10,000 monthly SIP in LIC MF Medium to Long Duration Fund-Regular Plan-Annual IDCW over the last 1 year — total invested ₹120,000 — would be worth ₹123,674 today. That's an XIRR (money-weighted annualised return) of 5.72%.

LIC MF Medium to Long Duration Fund-Regular Plan-Annual IDCW doesn't yet have 10 years of NAVs. Over the longest available window (1-year SIP), ₹10,000/month would have grown to ₹123,674 — XIRR 5.72%.

On a 3-year basis, LIC MF Medium to Long Duration Fund-Regular Plan-Annual IDCW ranks #113 out of 439 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 1.74%; this fund delivered 6.63%.

The worst peak-to-trough decline LIC MF Medium to Long Duration Fund-Regular Plan-Annual IDCW has experienced over the last 3-year window is 1.64% — its NAV fell from a high on 11 Mar 2026 to a low on 02 Apr 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

The 3-year Sharpe ratio is -0.01 — negative risk-adjusted performance.

In calendar year 2025, LIC MF Medium to Long Duration Fund-Regular Plan-Annual IDCW returned 6.12% — lagging the Medium to Long Duration Fund category average of 6.36% by 0.24 pp. It ranked #68 of 88 in its category that year.

LIC MF Medium to Long Duration Fund-Regular Plan-Annual 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-Regular Plan-Annual 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.

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

LIC MF Medium to Long Duration Fund-Regular Plan-Annual 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

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