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

We don't give personal investment advice. Reliance Medium Term Fund-Retail Plan - Quarterly 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: 4.1%. 5-year CAGR: 0.32%.

Reliance

Reliance Medium Term Fund-Retail Plan - Quarterly Dividend Plan

Latest NAV

₹11.9943

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	2 / 7	Q2
1W	+0.27%	+0.18%	+0.09	4 / 7	Q3
2W	+0.35%	+0.25%	+0.09	1 / 7	Q1
1M	+0.11%	+0.50%	-0.38	5 / 7	Q3
3M	-0.68%	-0.14%	-0.54	7 / 7	Q4
6M	-1.15%	+0.16%	-1.31	7 / 7	Q4
YTD	+0.07%	+0.56%	-0.49	6 / 7	Q4
1Y	-3.00%	+0.36%	-3.36	7 / 7	Q4
2Y	+0.08%	+3.46%	-3.39	4 / 4	Q4
3Y	-0.02%	+3.50%	-3.51	4 / 4	Q4
4Y	+0.77%	+3.81%	-3.04	3 / 4	Q3
5Y	+0.32%	+3.27%	-2.95	3 / 4	Q3
7Y	+0.32%	+3.56%	-3.24	4 / 4	Q4
10Y	+0.43%	+3.73%	-3.30	4 / 4	Q4
Inception	+0.77%	+2.63%	-1.86	4 / 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	+0.07%	+0.46%	-0.39	3 / 4
2025	+0.59%	+4.15%	-3.56	3 / 4
2024	+0.86%	+4.52%	-3.66	3 / 4
2023	+1.08%	+3.89%	-2.82	3 / 4
2022	+0.20%	+2.24%	-2.04	3 / 4
2021	+0.35%	+2.48%	-2.13	3 / 4
2020	-0.88%	+4.57%	-5.46	4 / 4
2019	+0.99%	+4.41%	-3.43	4 / 4
2018	+1.29%	+3.97%	-2.67	3 / 4
2017	+0.39%	+3.66%	-3.27	4 / 4
2016	+0.79%	+3.25%	-2.46	4 / 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

+0.84%

234 windows

min -3.0% · max 7.4%

79% positive

3-Year rolling

+0.75%

210 windows

min -0.5% · max 2.2%

92% positive

5-Year rolling

+0.73%

185 windows

min 0.2% · max 1.9%

100% positive

7-Year rolling

+0.76%

161 windows

min 0.2% · max 1.5%

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

3.46%

3-year · annualised

Sharpe ratio

-1.86

vs risk-free 6.5%

Sortino ratio

-2.23

Downside-only deviation

Max drawdown

-4.13%

Jun 2025 → Apr 2026

% 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 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	₹11.9943
2 Jun 2026	₹11.9984
1 Jun 2026	₹11.9904
29 May 2026	₹11.9880
27 May 2026	₹11.9747
26 May 2026	₹11.9662
25 May 2026	₹11.9644
22 May 2026	₹11.9452
21 May 2026	₹11.9365
20 May 2026	₹11.9500

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 - Quarterly Dividend Plan is ₹11.9943. 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 - Quarterly 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 - Quarterly 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 - Quarterly Dividend Plan has delivered a absolute return of -3.00% — -3.36 pp behind the Corporate Bond Fund category average of 0.36%. The fund ranks #7 of 7 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Reliance Medium Term Fund-Retail Plan - Quarterly Dividend Plan has delivered a CAGR of -0.02% — -3.51 pp behind the Corporate Bond Fund category average of 3.50%. The fund ranks #4 of 4 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Reliance Medium Term Fund-Retail Plan - Quarterly Dividend Plan has delivered a CAGR of 0.32% — -2.95 pp behind the Corporate Bond Fund category average of 3.27%. The fund ranks #3 of 4 in its category — the third (Q3) quartile.

₹1 lakh invested in Reliance Medium Term Fund-Retail Plan - Quarterly Dividend Plan exactly 10 years ago would be worth approximately ₹104,381 today — a multiplier of 1.04×, based on the 10-year CAGR of 0.43%. 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 - Quarterly Dividend Plan over the last 5 years — total invested ₹600,000 — would be worth ₹606,462 today. That's an XIRR (money-weighted annualised return) of 0.42%.

A ₹10,000 monthly SIP for 10 years in Reliance Medium Term Fund-Retail Plan - Quarterly Dividend Plan = ₹1,200,000 invested. It would currently be worth ₹1,225,843 (multiplier 1.02×). XIRR: 0.42%. 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 - Quarterly Dividend Plan ranks #3 out of 4 funds in the Corporate Bond Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.27%; this fund delivered 0.32%.

The worst peak-to-trough decline Reliance Medium Term Fund-Retail Plan - Quarterly Dividend Plan has experienced over the last 5-year window is 4.13% — its NAV fell from a high on 06 Jun 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, Reliance Medium Term Fund-Retail Plan - Quarterly Dividend Plan averaged 0.73% (best 1.86%, worst 0.15%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.91 — negative risk-adjusted performance.

In calendar year 2025, Reliance Medium Term Fund-Retail Plan - Quarterly Dividend Plan returned 0.59% — lagging the Corporate Bond Fund category average of 4.15% by 3.56 pp. It ranked #3 of 4 in its category that year.

Reliance Medium Term Fund-Retail Plan - Quarterly 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 - Quarterly 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: 4.1%. 5-year CAGR: 0.32%.

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