Should I invest in Motilal Oswal Midcap Fund-Direct?

We don't give personal investment advice. Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 37.9%. 5-year CAGR: 14.34%.

Motilal Oswal

Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment

Latest NAV

₹42.4667

As of

3 Jun 2026

3,014 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	+0.67%	+0.14%	+0.53	1 / 31	Q1
1W	-1.77%	-1.87%	+0.10	13 / 31	Q2
2W	-0.29%	-0.11%	-0.18	18 / 31	Q3
1M	+0.24%	+0.51%	-0.27	17 / 31	Q3
3M	-3.00%	+3.44%	-6.44	30 / 31	Q4
6M	-17.15%	-2.01%	-15.14	30 / 30	Q4
YTD	-13.68%	-1.58%	-12.10	30 / 30	Q4
1Y	-13.74%	+2.35%	-16.09	29 / 29	Q4
2Y	-2.45%	+3.03%	-5.49	25 / 28	Q4
3Y	+10.88%	+16.24%	-5.37	25 / 28	Q4
4Y	+13.48%	+15.16%	-1.68	15 / 22	Q3
5Y	+14.34%	+13.25%	+1.09	10 / 21	Q2
7Y	+11.86%	+14.99%	-3.13	14 / 19	Q3
10Y	+8.74%	+11.74%	-3.00	11 / 16	Q3
Inception	+12.62%	+14.53%	-1.91	21 / 31	Q3

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	-13.68%	-1.58%	-12.10	30 / 30
2025	-17.11%	-0.94%	-16.17	28 / 28
2024	+48.91%	+26.10%	+22.81	1 / 28
2023	+32.53%	+33.37%	-0.84	16 / 27
2022	+4.51%	-0.01%	+4.53	5 / 21
2021	+33.17%	+39.11%	-5.95	13 / 20
2020	+2.98%	+21.28%	-18.31	19 / 19
2019	+0.41%	-0.12%	+0.53	10 / 18
2018	-18.90%	-14.35%	-4.55	13 / 17
2017	+28.02%	+34.26%	-6.23	15 / 17
2016	-0.29%	-0.52%	+0.23	7 / 16

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

+13.94%

138 windows

min -32.2% · max 96.9%

69% positive

3-Year rolling

+11.50%

114 windows

min -16.2% · max 30.9%

82% positive

5-Year rolling

+9.85%

89 windows

min -7.3% · max 27.7%

91% positive

7-Year rolling

+9.57%

65 windows

min 3.2% · max 15.5%

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

20.32%

3-year · annualised

Sharpe ratio

0.29

vs risk-free 6.5%

Sortino ratio

0.42

Downside-only deviation

Max drawdown

-37.93%

Dec 2024 → Mar 2026

% positive months

61.1%

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 Mid Cap Fund

Scheme	Fund house	NAV	As of
HDFC Mid Cap Fund - IDCW Option - Direct Plan	HDFC	₹77.7900	3 Jun 2026
SBI Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹148.2267	3 Jun 2026
ICICI Prudential MidCap Fund - Direct Plan - IDCW	ICICI Prudential	₹69.4100	3 Jun 2026
Invesco India Midcap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹76.9100	3 Jun 2026
BANDHAN MIDCAP FUND - IDCW - DIRECT PLAN	Bandhan	₹18.8330	3 Jun 2026
quant Mid Cap Fund - IDCW Option - Direct Plan	Quant	₹86.2856	3 Jun 2026
Aditya Birla Sun Life Midcap Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹95.7500	3 Jun 2026
Franklin India Mid Cap Fund - Direct - IDCW	Franklin India	₹108.9957	3 Jun 2026
Mirae Asset Midcap Fund Direct IDCW	Mirae Asset	₹26.9280	3 Jun 2026
Kotak Midcap Fund - Direct Plan - IDCW - Payout & Re-investment of Income Distribution cum capital withdrawal option	Kotak	₹96.0410	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹42.4667
2 Jun 2026	₹43.0878
1 Jun 2026	₹42.8002
29 May 2026	₹43.3515
27 May 2026	₹43.8709
26 May 2026	₹43.8637
25 May 2026	₹43.6512
22 May 2026	₹43.2329
21 May 2026	₹43.3365
20 May 2026	₹43.3785

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 Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment is ₹42.4667. It's a Mid Cap Fund from Motilal Oswal, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment has NAV history starting from 25 Feb 2014, a track record of about 12 years 3 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.

Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment is managed by Motilal Oswal. It's classified by AMFI under the 'Mid Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment has delivered a absolute return of -13.74% — -16.09 pp behind the Mid Cap Fund category average of 2.35%. The fund ranks #29 of 29 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment has delivered a CAGR of 10.88% — -5.37 pp behind the Mid Cap Fund category average of 16.24%. The fund ranks #25 of 28 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment has delivered a CAGR of 14.34% — +1.09 pp ahead of the Mid Cap Fund category average of 13.25%. The fund ranks #10 of 21 in its category — the second (Q2) quartile.

₹1 lakh invested in Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment exactly 10 years ago would be worth approximately ₹231,196 today — a multiplier of 2.31×, based on the 10-year CAGR of 8.74%. The category average over the same window would have grown ₹1 lakh to ₹303,545.

A ₹10,000 monthly SIP in Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment over the last 5 years — total invested ₹600,000 — would be worth ₹720,682 today. That's an XIRR (money-weighted annualised return) of 7.26%.

A ₹10,000 monthly SIP for 10 years in Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment = ₹1,200,000 invested. It would currently be worth ₹1,984,757 (multiplier 1.65×). XIRR: 9.71%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment ranks #10 out of 21 funds in the Mid Cap Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 13.25%; this fund delivered 14.34%.

The worst peak-to-trough decline Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment has experienced over the last 5-year window is 37.93% — its NAV fell from a high on 16 Dec 2024 to a low on 31 Mar 2026. 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, Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment averaged 9.85% (best 27.75%, worst -7.28%). 91% of rolling windows ended positive. The 5-year Sharpe ratio is 0.47 — weak risk-adjusted performance.

In calendar year 2025, Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment returned -17.11% — lagging the Mid Cap Fund category average of -0.94% by 16.17 pp. It ranked #28 of 28 in its category that year.

Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 37.9%. 5-year CAGR: 14.34%.

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