Should I invest in Motilal Oswal Midcap Fund-Regular?

We don't give personal investment advice. Motilal Oswal Midcap Fund-Regular - 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: 36.5%. 5-year CAGR: 14.70%.

Motilal Oswal

Motilal Oswal Midcap Fund-Regular - IDCW Payout/Reinvestment

Latest NAV

₹44.7813

As of

17 Jul 2026

3,045 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	+0.12%	-0.30%	+0.42	1 / 18	Q1
1W	+0.67%	-0.68%	+1.35	1 / 18	Q1
2W	+3.78%	+0.50%	+3.28	1 / 18	Q1
1M	+4.96%	+1.63%	+3.32	1 / 18	Q1
3M	+6.83%	+6.26%	+0.57	7 / 18	Q2
6M	-5.35%	+4.52%	-9.86	18 / 18	Q4
YTD	-6.90%	+2.18%	-9.08	17 / 17	Q4
1Y	-10.80%	+1.89%	-12.69	17 / 17	Q4
2Y	-4.53%	-0.15%	-4.39	12 / 15	Q4
3Y	+13.27%	+14.34%	-1.07	11 / 15	Q3
4Y	+14.98%	+14.03%	+0.94	6 / 11	Q3
5Y	+14.70%	+10.28%	+4.42	3 / 8	Q2
7Y	+15.02%	+14.36%	+0.67	3 / 6	Q2
10Y	+8.95%	+7.04%	+1.91	1 / 3	Q2
Inception	+12.84%	+14.20%	-1.36	13 / 18	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	-6.90%	+2.18%	-9.08	17 / 17
2025	-14.95%	-3.20%	-11.75	15 / 15
2024	+51.06%	+26.81%	+24.26	1 / 15
2023	+29.01%	+30.78%	-1.77	9 / 14
2022	+3.30%	-4.18%	+7.48	1 / 8
2021	+32.11%	+41.99%	-9.89	6 / 7
2020	+9.14%	+19.92%	-10.78	6 / 6
2019	-1.46%	+0.75%	-2.21	4 / 5
2018	-20.40%	-16.41%	-3.99	3 / 4
2017	+26.20%	+29.70%	-3.49	3 / 4
2016	-1.66%	-7.96%	+6.30	1 / 3

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

+13.32%

139 windows

min -24.8% · max 83.2%

68% positive

3-Year rolling

+11.32%

115 windows

min -15.1% · max 30.0%

81% positive

5-Year rolling

+9.89%

91 windows

min -6.3% · max 28.2%

91% positive

7-Year rolling

+9.54%

66 windows

min 3.7% · max 16.4%

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

18.62%

3-year · annualised

Sharpe ratio

0.41

vs risk-free 6.5%

Sortino ratio

0.66

Downside-only deviation

Max drawdown

-36.46%

Dec 2024 → Mar 2026

% positive months

55.6%

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 Mid Cap Fund

Scheme	Fund house	NAV	As of
BANDHAN MIDCAP FUND - IDCW - REGULAR PLAN	Bandhan	₹17.4080	17 Jul 2026
Mirae Asset Midcap Fund Regular IDCW	Mirae Asset	₹26.0840	17 Jul 2026
Edelweiss Mid Cap Fund - Regular Plan - IDCW Option	Edelweiss	₹62.0900	17 Jul 2026
HSBC Midcap Fund - Regular IDCW	HSBC	₹85.0608	17 Jul 2026
BARODA BNP PARIBAS Mid Cap Fund - Regular Plan - IDCW Option	Baroda BNP Paribas	₹58.0421	17 Jul 2026
Canara Robeco Mid Cap Fund- Regular Plan- IDCW	Canara Robeco	₹16.8200	17 Jul 2026
PGIM India Midcap Fund - Regular Plan - Dividend Option - Payout	PGIM India	₹23.4200	17 Jul 2026
Axis Midcap Fund - Regular Plan - IDCW	Axis	₹40.9700	17 Jul 2026
Bank of India Mid Cap Fund - Regular Plan IDCW	Bank of India	₹10.2700	17 Jul 2026
Helios Mid Cap Fund - Regular Plan - IDCW Option	Helios	₹13.6200	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹44.7813
16 Jul 2026	₹44.7283
15 Jul 2026	₹45.0518
14 Jul 2026	₹44.6777
13 Jul 2026	₹44.8318
10 Jul 2026	₹44.4822
9 Jul 2026	₹43.5335
8 Jul 2026	₹42.2701
7 Jul 2026	₹42.9695
6 Jul 2026	₹43.2592

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 Motilal Oswal Midcap Fund-Regular - IDCW Payout/Reinvestment is ₹44.7813. It's a Mid Cap Fund from Motilal Oswal, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

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

Motilal Oswal Midcap Fund-Regular - 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-Regular - IDCW Payout/Reinvestment has delivered a absolute return of -10.80% — -12.69 pp behind the Mid Cap Fund category average of 1.89%. The fund ranks #17 of 17 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Motilal Oswal Midcap Fund-Regular - IDCW Payout/Reinvestment has delivered a CAGR of 13.27% — -1.07 pp behind the Mid Cap Fund category average of 14.34%. The fund ranks #11 of 15 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Motilal Oswal Midcap Fund-Regular - IDCW Payout/Reinvestment has delivered a CAGR of 14.70% — +4.42 pp ahead of the Mid Cap Fund category average of 10.28%. The fund ranks #3 of 8 in its category — the second (Q2) quartile.

₹1 lakh invested in Motilal Oswal Midcap Fund-Regular - IDCW Payout/Reinvestment exactly 10 years ago would be worth approximately ₹235,659 today — a multiplier of 2.36×, based on the 10-year CAGR of 8.95%. The category average over the same window would have grown ₹1 lakh to ₹197,450.

A ₹10,000 monthly SIP in Motilal Oswal Midcap Fund-Regular - IDCW Payout/Reinvestment over the last 5 years — total invested ₹600,000 — would be worth ₹769,915 today. That's an XIRR (money-weighted annualised return) of 9.91%.

A ₹10,000 monthly SIP for 10 years in Motilal Oswal Midcap Fund-Regular - IDCW Payout/Reinvestment = ₹1,200,000 invested. It would currently be worth ₹2,150,433 (multiplier 1.79×). XIRR: 11.23%. 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-Regular - IDCW Payout/Reinvestment ranks #3 out of 8 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 10.28%; this fund delivered 14.70%.

The worst peak-to-trough decline Motilal Oswal Midcap Fund-Regular - IDCW Payout/Reinvestment has experienced over the last 5-year window is 36.46% — 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-Regular - IDCW Payout/Reinvestment averaged 9.89% (best 28.16%, worst -6.25%). 91% of rolling windows ended positive. The 5-year Sharpe ratio is 0.48 — weak risk-adjusted performance.

In calendar year 2025, Motilal Oswal Midcap Fund-Regular - IDCW Payout/Reinvestment returned -14.95% — lagging the Mid Cap Fund category average of -3.20% by 11.75 pp. It ranked #15 of 15 in its category that year.

Motilal Oswal Midcap Fund-Regular - 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-Regular - 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: 36.5%. 5-year CAGR: 14.70%.

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