Should I invest in Nippon India Medium Duration Fund - Bonus Option?

We don't give personal investment advice. Nippon India Medium Duration Fund - Bonus Option 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: 30.4%. 5-year CAGR: -1.78%.

Nippon India

Nippon India Medium Duration Fund - Bonus Option

Latest NAV

₹10.5217

As of

11 Nov 2020

1,537 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	+0.06%	+25.25%	-25.19	13 / 35	Q2
1W	+0.17%	+18.62%	-18.45	20 / 37	Q3
2W	+0.35%	+22.17%	-21.82	20 / 36	Q3
1M	+1.01%	+22.42%	-21.41	7 / 36	Q1
3M	+0.16%	+23.24%	-23.09	23 / 36	Q3
6M	+0.86%	+24.66%	-23.80	21 / 36	Q3
YTD	-24.56%	+22.37%	-46.92	35 / 36	Q4
1Y	-25.25%	+27.07%	-52.32	35 / 36	Q4
2Y	-14.06%	+10.05%	-24.11	34 / 34	Q4
3Y	-8.68%	+3.02%	-11.70	31 / 31	Q4
4Y	-4.81%	+3.05%	-7.86	31 / 31	Q4
5Y	-1.78%	+2.73%	-4.51	30 / 31	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.77%	+10.26%	-9.49	25 / 35	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
2020 YTD	-24.56%	+1.22%	-25.78	30 / 30
2019	-3.38%	+2.51%	-5.89	27 / 30
2018	+4.61%	+2.64%	+1.97	13 / 30
2017	+6.60%	+2.00%	+4.60	2 / 30
2016	+11.05%	+5.02%	+6.03	5 / 31
2015	+8.86%	+2.70%	+6.16	1 / 12
2014	—	—	—	—

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

+2.08%

66 windows

min -28.9% · max 12.6%

74% positive

3-Year rolling

+3.82%

42 windows

min -8.8% · max 10.5%

79% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+2.21%

17 windows

min -1.9% · max 6.9%

47% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

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

15.00%

3-year · annualised

Sharpe ratio

-0.95

vs risk-free 6.5%

Sortino ratio

-0.94

Downside-only deviation

Max drawdown

-30.37%

Apr 2019 → Mar 2020

% positive months

63.9%

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 Duration Fund

Scheme	Fund house	NAV	As of
HDFC High Interest Fund - Short Term Plan-Dividend Option	HDFC	₹10.1086	3 Jun 2026
Nippon India Medium Duration Fund - Segregated Portfolio 2 - Bonus Option	Nippon India	₹0.0000	3 Jun 2026
SBI Magnum Income Plus Fund - Investment Plan (D)	SBI	₹20.7048	3 Jun 2026
ICICI Prudential Long Term Floating Rate Plan-Plan A-Growth	ICICI Prudential	₹47.3245	3 Jun 2026
Kotak Medium Term Fund - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.6617	3 Jun 2026
IDFC - SSIF - Medium Term - Bimonthly Dividend Option	IDFC	₹10.2608	3 Jun 2026
Sundaram BNP Paribas Bond Saver-Growth	Sundaram BNP Paribas	₹70.5138	3 Jun 2026

Recent NAVs

Date	NAV
11 Nov 2020	₹10.5217
10 Nov 2020	₹10.5152
9 Nov 2020	₹10.5168
6 Nov 2020	₹10.5106
5 Nov 2020	₹10.5093
4 Nov 2020	₹10.5034
3 Nov 2020	₹10.5029
2 Nov 2020	₹10.5041
29 Oct 2020	₹10.4937
28 Oct 2020	₹10.4853

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 11 Nov 2020, the NAV of Nippon India Medium Duration Fund - Bonus Option is ₹10.5217. It's a Medium Duration Fund from Nippon India, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Nippon India Medium Duration Fund - Bonus Option has NAV history starting from 30 Jun 2014, a track record of about 11 years 11 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.

Nippon India Medium Duration Fund - Bonus Option is managed by Nippon India. It's classified by AMFI under the 'Medium Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Nippon India Medium Duration Fund - Bonus Option has delivered a absolute return of -25.25% — -52.32 pp behind the Medium Duration Fund category average of 27.07%. The fund ranks #35 of 36 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Nippon India Medium Duration Fund - Bonus Option has delivered a CAGR of -8.68% — -11.7 pp behind the Medium Duration Fund category average of 3.02%. The fund ranks #31 of 31 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Nippon India Medium Duration Fund - Bonus Option has delivered a CAGR of -1.78% — -4.51 pp behind the Medium Duration Fund category average of 2.73%. The fund ranks #30 of 31 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Nippon India Medium Duration Fund - Bonus Option exactly 5 years ago would be worth approximately ₹91,403 today — a multiplier of 0.91×, based on the 5-year CAGR of -1.78%. The category average over the same window would have grown ₹1 lakh to ₹114,398.

A ₹10,000 monthly SIP in Nippon India Medium Duration Fund - Bonus Option over the last 5 years — total invested ₹600,000 — would be worth ₹489,822 today. That's an XIRR (money-weighted annualised return) of -7.92%.

Nippon India Medium Duration Fund - Bonus Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹489,822 — XIRR -7.92%.

On a 5-year basis, Nippon India Medium Duration Fund - Bonus Option ranks #30 out of 31 funds in the Medium Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.73%; this fund delivered -1.78%.

The worst peak-to-trough decline Nippon India Medium Duration Fund - Bonus Option has experienced over the last 5-year window is 30.37% — its NAV fell from a high on 02 Apr 2019 to a low on 26 Mar 2020. 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, Nippon India Medium Duration Fund - Bonus Option averaged 2.21% (best 6.88%, worst -1.87%). 47% of rolling windows ended positive. The 5-year Sharpe ratio is -0.62 — negative risk-adjusted performance.

In calendar year 2019, Nippon India Medium Duration Fund - Bonus Option returned -3.38% — lagging the Medium Duration Fund category average of 2.51% by 5.89 pp. It ranked #27 of 30 in its category that year.

Nippon India Medium Duration Fund - Bonus Option 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. Nippon India Medium Duration Fund - Bonus Option 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: 30.4%. 5-year CAGR: -1.78%.

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