Should I invest in Reliance Medium Term Fund - Monthly Dividend Plan?

We don't give personal investment advice. Reliance Medium Term Fund-Retail Plan - Monthly Dividend Plan 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: 2.3%. 5-year CAGR: 0.21%.

Reliance

Reliance Medium Term Fund-Retail Plan - Monthly Dividend Plan

Latest NAV

₹11.6298

As of

3 Jun 2026

4,867 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	+0.07%	+0.04%	+0.02	1 / 7	Q1
1W	+0.27%	+0.18%	+0.09	1 / 7	Q1
2W	+0.35%	+0.25%	+0.09	4 / 7	Q3
1M	+0.11%	+0.50%	-0.38	4 / 7	Q3
3M	-0.25%	-0.14%	-0.10	6 / 7	Q4
6M	-0.15%	+0.16%	-0.31	6 / 7	Q4
YTD	-0.21%	+0.56%	-0.78	7 / 7	Q4
1Y	-0.12%	+0.36%	-0.47	3 / 7	Q2
2Y	+0.18%	+3.46%	-3.29	3 / 4	Q3
3Y	+0.24%	+3.50%	-3.25	3 / 4	Q3
4Y	+0.39%	+3.81%	-3.42	4 / 4	Q4
5Y	+0.21%	+3.27%	-3.06	4 / 4	Q4
7Y	+0.36%	+3.56%	-3.20	3 / 4	Q3
10Y	+0.62%	+3.73%	-3.11	3 / 4	Q3
Inception	+0.72%	+2.63%	-1.91	5 / 7	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	-0.21%	+0.46%	-0.67	4 / 4
2025	+0.49%	+4.15%	-3.67	4 / 4
2024	+0.44%	+4.52%	-4.08	4 / 4
2023	+0.18%	+3.89%	-3.72	4 / 4
2022	+0.11%	+2.24%	-2.13	4 / 4
2021	+0.20%	+2.48%	-2.28	4 / 4
2020	+0.25%	+4.57%	-4.32	3 / 4
2019	+1.19%	+4.41%	-3.22	3 / 4
2018	+1.04%	+3.97%	-2.93	4 / 4
2017	+1.14%	+3.66%	-2.52	3 / 4
2016	+1.70%	+3.25%	-1.55	3 / 7

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

+0.70%

234 windows

min -1.2% · max 2.6%

90% positive

3-Year rolling

+0.69%

210 windows

min -0.2% · max 1.8%

98% positive

5-Year rolling

+0.74%

185 windows

min 0.1% · max 1.5%

100% positive

7-Year rolling

+0.81%

161 windows

min 0.3% · max 1.4%

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

1.10%

3-year · annualised

Sharpe ratio

-5.66

vs risk-free 6.5%

Sortino ratio

-8.48

Downside-only deviation

Max drawdown

-2.26%

Apr 2025 → May 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 Corporate Bond Fund

Scheme	Fund house	NAV	As of
HDFC Corporate Bond Fund - IDCW Option	HDFC	₹20.3364	3 Jun 2026
NIPPON INDIA CORPORATE BOND FUND - DIRECT Plan - DAILY IDCW Option	Nippon India	₹17.0800	3 Jun 2026
SBI Corporate Bond Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹15.6984	3 Jun 2026
ICICI Prudential Corporate Bond Fund - Direct Plan - Monthly IDCW	ICICI Prudential	₹10.2250	3 Jun 2026
Invesco India Corporate Bond Fund - Direct Plan - Annual IDCW (Payout / Reinvestment)	Invesco	₹1,216.0142	3 Jun 2026
BANDHAN Corporate Bond Fund - Direct Annual IDCW	Bandhan	₹10.3094	3 Jun 2026
Aditya Birla Sun Life Corporate Bond Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹10.4102	3 Jun 2026
Franklin India Corporate Debt Fund - Plan A - Direct - Annual - IDCW	Franklin India	₹18.7176	3 Jun 2026
Templeton India Income Builder Account-Dividend	Franklin Templeton	₹16.6818	3 Jun 2026
Mirae Asset Corporate Bond Fund Direct IDCW	Mirae Asset	₹13.5152	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹11.6298
2 Jun 2026	₹11.6338
1 Jun 2026	₹11.6260
29 May 2026	₹11.6237
27 May 2026	₹11.6108
26 May 2026	₹11.6025
25 May 2026	₹11.6009
22 May 2026	₹11.5822
21 May 2026	₹11.5738
20 May 2026	₹11.5869

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 Reliance Medium Term Fund-Retail Plan - Monthly Dividend Plan is ₹11.6298. It's a Corporate Bond Fund from Reliance, run as a Retail plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Reliance Medium Term Fund-Retail Plan - Monthly Dividend Plan has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Reliance Medium Term Fund-Retail Plan - Monthly Dividend Plan is managed by Reliance. It's classified by AMFI under the 'Corporate Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Reliance Medium Term Fund-Retail Plan - Monthly Dividend Plan has delivered a absolute return of -0.12% — -0.47 pp behind the Corporate Bond Fund category average of 0.36%. The fund ranks #3 of 7 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Reliance Medium Term Fund-Retail Plan - Monthly Dividend Plan has delivered a CAGR of 0.24% — -3.25 pp behind the Corporate Bond Fund category average of 3.50%. The fund ranks #3 of 4 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Reliance Medium Term Fund-Retail Plan - Monthly Dividend Plan has delivered a CAGR of 0.21% — -3.06 pp behind the Corporate Bond Fund category average of 3.27%. The fund ranks #4 of 4 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Reliance Medium Term Fund-Retail Plan - Monthly Dividend Plan exactly 10 years ago would be worth approximately ₹106,395 today — a multiplier of 1.06×, based on the 10-year CAGR of 0.62%. The category average over the same window would have grown ₹1 lakh to ₹144,287.

A ₹10,000 monthly SIP in Reliance Medium Term Fund-Retail Plan - Monthly Dividend Plan over the last 5 years — total invested ₹600,000 — would be worth ₹603,304 today. That's an XIRR (money-weighted annualised return) of 0.22%.

A ₹10,000 monthly SIP for 10 years in Reliance Medium Term Fund-Retail Plan - Monthly Dividend Plan = ₹1,200,000 invested. It would currently be worth ₹1,222,576 (multiplier 1.02×). XIRR: 0.37%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Reliance Medium Term Fund-Retail Plan - Monthly Dividend Plan ranks #4 out of 4 funds in the Corporate Bond Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 3.27%; this fund delivered 0.21%.

The worst peak-to-trough decline Reliance Medium Term Fund-Retail Plan - Monthly Dividend Plan has experienced over the last 5-year window is 2.26% — its NAV fell from a high on 21 Apr 2025 to a low on 21 May 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, Reliance Medium Term Fund-Retail Plan - Monthly Dividend Plan averaged 0.74% (best 1.51%, worst 0.10%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -6.24 — negative risk-adjusted performance.

In calendar year 2025, Reliance Medium Term Fund-Retail Plan - Monthly Dividend Plan returned 0.49% — lagging the Corporate Bond Fund category average of 4.15% by 3.67 pp. It ranked #4 of 4 in its category that year.

Reliance Medium Term Fund-Retail Plan - Monthly Dividend Plan 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. Reliance Medium Term Fund-Retail Plan - Monthly Dividend Plan 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: 2.3%. 5-year CAGR: 0.21%.

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