Should I invest in NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - MONTHLY IDCW Option?

We don't give personal investment advice. NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - MONTHLY IDCW 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: 7.4%. 5-year CAGR: 0.93%.

Nippon India

NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - MONTHLY IDCW Option

Latest NAV

₹11.9452

As of

17 Jul 2026

1,940 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	-0.27%	-0.21%	-0.06	21 / 23	Q4
1W	-0.24%	-0.48%	+0.24	1 / 23	Q1
2W	-0.22%	-0.40%	+0.18	3 / 23	Q1
1M	+1.99%	+1.34%	+0.65	3 / 23	Q1
3M	+3.48%	+2.63%	+0.85	3 / 23	Q1
6M	+3.07%	+1.77%	+1.30	3 / 23	Q1
YTD	+2.51%	+1.08%	+1.42	2 / 23	Q1
1Y	+2.54%	-0.18%	+2.72	1 / 23	Q1
2Y	+0.54%	+1.57%	-1.03	13 / 21	Q3
3Y	+0.67%	+2.10%	-1.43	10 / 17	Q3
4Y	+1.24%	+2.06%	-0.81	5 / 9	Q3
5Y	+0.93%	+1.18%	-0.25	4 / 8	Q2
7Y	+0.33%	+1.03%	-0.70	4 / 8	Q2
10Y	—	—	—	—	—
Inception	+2.29%	+3.48%	-1.20	16 / 23	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	+2.51%	+1.11%	+1.40	2 / 21
2025	-1.09%	+1.47%	-2.56	17 / 21
2024	+1.16%	+6.31%	-5.14	12 / 16
2023	-0.60%	+2.88%	-3.48	12 / 12
2022	+0.06%	+0.25%	-0.19	6 / 8
2021	-0.86%	-2.87%	+2.00	3 / 8
2020	+5.30%	+6.35%	-1.05	4 / 8
2019	+5.41%	+3.95%	+1.45	3 / 8
2018	—	—	—	—

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

+1.57%

86 windows

min -4.9% · max 14.4%

59% positive

3-Year rolling

+0.90%

62 windows

min -1.7% · max 6.0%

68% positive

5-Year rolling

+1.01%

38 windows

min -0.5% · max 3.3%

76% positive

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

7-Year rolling

+1.44%

13 windows

min 0.3% · max 2.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

4.17%

3-year · annualised

Sharpe ratio

-1.38

vs risk-free 6.5%

Sortino ratio

-2.06

Downside-only deviation

Max drawdown

-7.43%

Apr 2025 → Apr 2026

% positive months

52.8%

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 Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC Long Duration Debt Fund - IDCW Option - Direct Plan	HDFC	₹10.5476	17 Jul 2026
NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - QUARTERLY IDCW Option	Nippon India	₹11.7263	17 Jul 2026
SBI Long Duration Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹12.8144	17 Jul 2026
ICICI Prudential Long Term Bond Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹12.8058	17 Jul 2026
Bandhan Long Duration Fund - Direct Plan - IDCW	Bandhan	₹10.6067	17 Jul 2026
Aditya Birla Sun Life Long Duration Fund-Direct IDCW Payout	Aditya Birla Sun Life	₹10.9982	17 Jul 2026
Franklin India Long Duration Fund - Direct - IDCW	Franklin India	₹10.5234	17 Jul 2026
Mirae Asset Long Duration Fund - Direct Plan - IDCW	Mirae Asset	₹10.5910	17 Jul 2026
Kotak Long Duration Fund - Direct Plan - IDCW	Kotak	₹11.3290	17 Jul 2026
UTI Long Duration Fund - Direct Plan - Annual IDCW Option	UTI	₹11.4228	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹11.9452
16 Jul 2026	₹11.9779
15 Jul 2026	₹11.9538
14 Jul 2026	₹11.9322
13 Jul 2026	₹11.9531
10 Jul 2026	₹11.9739
9 Jul 2026	₹11.9731
8 Jul 2026	₹11.9514
7 Jul 2026	₹12.0054
6 Jul 2026	₹12.0057

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 NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - MONTHLY IDCW Option is ₹11.9452. It's a Long Duration Fund from Nippon India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - MONTHLY IDCW Option has NAV history starting from 09 Jul 2018, a track record of about 8 years. 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 NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - MONTHLY IDCW Option is managed by Nippon India. It's classified by AMFI under the 'Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - MONTHLY IDCW Option has delivered a absolute return of 2.54% — +2.72 pp ahead of the Long Duration Fund category average of -0.18%. The fund ranks #1 of 23 in its category — the top (Q1) quartile.

Over the trailing 3-year window, NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - MONTHLY IDCW Option has delivered a CAGR of 0.67% — -1.43 pp behind the Long Duration Fund category average of 2.10%. The fund ranks #10 of 17 in its category — the third (Q3) quartile.

Over the trailing 5-year window, NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - MONTHLY IDCW Option has delivered a CAGR of 0.93% — -0.25 pp behind the Long Duration Fund category average of 1.18%. The fund ranks #4 of 8 in its category — the second (Q2) quartile.

₹1 lakh invested in NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - MONTHLY IDCW Option exactly 5 years ago would be worth approximately ₹104,756 today — a multiplier of 1.05×, based on the 5-year CAGR of 0.93%. The category average over the same window would have grown ₹1 lakh to ₹106,058.

A ₹10,000 monthly SIP in NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - MONTHLY IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹612,842 today. That's an XIRR (money-weighted annualised return) of 0.83%.

NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - MONTHLY IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹861,286 — XIRR 0.71%.

On a 5-year basis, NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - MONTHLY IDCW Option ranks #4 out of 8 funds in the Long Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 1.18%; this fund delivered 0.93%.

The worst peak-to-trough decline NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - MONTHLY IDCW Option has experienced over the last 5-year window is 7.43% — its NAV fell from a high on 21 Apr 2025 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.

Across all 5-year rolling windows, NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - MONTHLY IDCW Option averaged 1.01% (best 3.28%, worst -0.52%). 76% of rolling windows ended positive. The 5-year Sharpe ratio is -1.09 — negative risk-adjusted performance.

In calendar year 2025, NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - MONTHLY IDCW Option returned -1.09% — lagging the Long Duration Fund category average of 1.47% by 2.56 pp. It ranked #17 of 21 in its category that year.

NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - MONTHLY IDCW 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 NIVESH LAKSHYA LONG DURATION FUND - DIRECT Plan - MONTHLY IDCW 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: 7.4%. 5-year CAGR: 0.93%.

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