Nippon India Medium to Long Term Fund - Regular Plan - ANNUAL IDCW Option
Medium & Long Duration Funds hold debt with a longer duration (3 years and more), so their value is more sensitive to interest-rate changes.
- Current NAV₹12.9610
- Fund Size (AUM)—
- Expense Ratio—
- 1Y Return-1.70%
- 3Y Return (CAGR)-0.50%
- 5Y Return (CAGR)-0.06%
- Category Rank (3Y)—
- Riskometer—
- Min. SIP / Lump sum—
More figures (11)
- Since Launch (CAGR)+0.61%
- Benchmark—
- Volatility (3Y)6.76 %
- Sharpe Ratio (3Y)-1.04
- Beta (3Y)—
- 52-week High / Low₹13.2769 / ₹12.5759
- Max Drawdown-20.8 %
- Launched3 Apr 2006
- Lock-in—
- Portfolio Turnover—
- Fund Managers—
Performance chart
Past performance may or may not be sustained in future.
Quick take
- Over 5 years it returned -0.1% a year.
- Volatility over 3 years was 6.8% a year, with a Sharpe ratio of -1.04.
- Its biggest fall from a peak was 20.8% (5 Jan 2009 to 19 Aug 2013).
- Across all 3-year periods since launch, yearly returns ranged from -3.7% to 5.7% and were positive 63% of the time.
Pros
AI- Long track record of 20.5 years since 3 Apr 2006.
Cons
AI- Returns were negative in 37% of all 3-year periods since launch.
Pros and cons are generated automatically from the scheme's published figures. They are observations about past data, not a recommendation to invest, switch or redeem.
AI analysis
Plenitude AI reads the figures on this page and explains them in plain language.
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Book a free consultation Compare with other fundsReturns vs benchmark and category
| Returns (%) | 1W | 1M | 3M | 6M | YTD | 1Y | 2Y | 3Y | 5Y | 7Y | 10Y | Since launch |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| This fund | -0.34% | -0.52% | -1.18% | +1.42% | -1.73% | -1.70% | -1.50% | -0.50% | -0.06% | -0.96% | -0.51% | +0.61% |
Point-to-point NAV returns as on 16 Oct 2026; over 1 year, yearly compounded (CAGR). Category: Regular Growth plans in Medium & Long Duration Funds. Q1 = top quarter by return over that period.
Calendar-year returns
| Year | 2026 YTD | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| This fund | -1.73% | -1.95% | +0.01% | +2.85% | +0.73% | -4.06% | -3.32% | +4.06% | +3.55% | -6.41% | +10.26% |
January to December each year; the current year is to date.
Month-by-month returns (%)
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Year |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.1 | 0.7 | -4.8 | 0.9 | 0.2 | 2.4 | 0.1 | -0.4 | -0.1 | -0.5 | |||
| 2025 | 0.7 | 0.0 | -4.7 | 1.5 | 0.5 | -0.9 | 0.4 | -1.5 | 1.0 | 0.7 | 0.1 | 0.3 | -2.0 |
| 2024 | 0.8 | 1.0 | -6.9 | -0.5 | 1.5 | 0.6 | 1.0 | 0.9 | 1.2 | -0.1 | 0.4 | 0.4 | 0.0 |
| 2023 | 0.3 | 0.0 | -2.5 | 1.3 | 1.2 | 0.0 | 0.3 | 0.4 | 0.1 | -0.2 | 0.8 | 1.2 | 2.8 |
| 2022 | 0.0 | -0.2 | -2.3 | -0.2 | -0.7 | -0.4 | 0.9 | 1.5 | 0.3 | 0.4 | 1.1 | 0.2 | 0.7 |
| 2021 | -0.1 | -2.6 | -4.0 | 0.9 | 0.3 | -0.2 | 0.3 | 0.8 | 0.9 | -0.2 | 0.5 | -0.6 | -4.0 |
| 2020 | 0.2 | 2.4 | -11.9 | 1.7 | 1.1 | 1.3 | 0.8 | -1.6 | 0.9 | 1.8 | 0.5 | 0.3 | -3.3 |
| 2019 | -0.1 | -0.2 | -4.2 | -0.3 | 3.1 | 1.4 | 2.7 | 0.2 | 0.0 | 0.9 | 0.6 | 0.1 | 4.1 |
| 2018 | -0.7 | -1.0 | -0.3 | -0.9 | 0.3 | 0.2 | 1.0 | 0.1 | 0.4 | 1.1 | 1.6 | 1.9 | 3.6 |
| 2017 | 1.0 | -2.5 | -7.3 | -0.2 | 1.5 | 1.9 | 0.7 | 0.4 | -0.2 | -0.2 | -0.2 | -1.0 | -6.4 |
Change in NAV from the last business day of one month to the last business day of the next. Positive in 74 of 118 months shown (63%). "Year" is shown for complete calendar years.
Risk and consistency
| Risk measure | 3 years | 5 years |
|---|---|---|
| Volatility (standard deviation) ? | 6.76% | 5.74% |
| Sharpe ratio ? | -1.04 | -1.14 |
| Sortino ratio ? | -1.06 | -1.18 |
| Maximum drawdown | -8.64% | -8.64% |
Rolling 3-year returns (yearly)
Rolling 5-year returns (yearly)
Every 3- and 5-year period since launch, checked weekly. It shows how consistent returns were, whenever someone invested.
How it handled market falls
Biggest falls in this fund's NAV
| Peak | Bottom | Fall | Back to the peak on | Time to recover |
|---|---|---|---|---|
| 5 Jan 2009 | 19 Aug 2013 | -20.8% | Not yet | — |
| 24 Jan 2008 | 21 Apr 2008 | -14.9% | 17 Dec 2008 | 8 months |
Falls of 5% or more from a previous high, deepest first. Time to recover runs from the bottom to the day the NAV regained its old high.
SIP returns: ₹10,000 every month
| SIP for | Invested | Value today | Gain | XIRR |
|---|---|---|---|---|
| 1Y | ₹1,20,000 | ₹1,19,043 | ₹-957 | -1.47% |
| 3Y | ₹3,60,000 | ₹3,53,986 | ₹-6,014 | -1.09% |
| 5Y | ₹6,00,000 | ₹5,94,243 | ₹-5,757 | -0.38% |
| 10Y | ₹12,00,000 | ₹11,81,908 | ₹-18,092 | -0.30% |
A ₹10,000 instalment on the same date every month, valued at the latest NAV. XIRR is the yearly return on those dated instalments. Try the SIP calculator.
What your investment would be worth
Worked out from the scheme's weekly NAVs (instalments on the first NAV of each month), so it can differ slightly from your statement. Past performance may or may not be sustained in future. Plan a future SIP.
Compare with all Medium & Long Duration Funds (26)
| S.No. | Scheme (Regular plans, Growth) | NAV ₹ | 1M % | 6M % | 1Y % | 3Y % CAGR | 5Y % CAGR | Expense ratio % | Fund size ₹ Cr | Riskometer |
|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Aditya Birla Sun Life Medium Term FundAditya Birla Sun Life Mutual Fund | ₹43.6584 | — | — | — | — | — | — | — | — |
| 2. | Aditya Birla Sun Life Medium to Long Term FundAditya Birla Sun Life Mutual Fund | ₹128.2752 | — | — | — | — | — | — | — | — |
| 3. | Axis Medium Term FundAxis Mutual Fund | ₹30.0600 | — | — | — | — | — | — | — | — |
| 4. | Bandhan Medium Term FundBandhan Mutual Fund | ₹48.5548 | — | — | — | — | — | — | — | — |
| 5. | Bandhan Medium to Long Term FundBandhan Mutual Fund | ₹67.8736 | — | — | — | — | — | — | — | — |
| 6. | Bandhan Medium to Long Term FundBandhan Mutual Fund | ₹61.2021 | — | — | — | — | — | — | — | — |
| 7. | Canara Robeco Medium To Long Term FundCanara Robeco Mutual Fund | ₹56.3765 | — | — | — | — | — | — | — | — |
| 8. | DSP Medium Term FundDSP Mutual Fund | ₹85.8517 | — | — | — | — | — | — | — | — |
| 9. | Franklin India Medium to Long Term FundFranklin Templeton Mutual Fund | ₹11.1066 | — | — | — | — | — | — | — | — |
| 10. | HDFC Medium Term FundHDFC Mutual Fund | ₹60.3059 | — | — | — | — | — | — | — | — |
| 11. | HDFC Medium to Long Term FundHDFC Mutual Fund | ₹59.8991 | — | — | — | — | — | — | — | — |
| 12. | HSBC Medium Term FundHSBC Mutual Fund | ₹21.6173 | — | — | — | — | — | — | — | — |
| 13. | HSBC Medium to Long Term FundHSBC Mutual Fund | ₹43.4346 | — | — | — | — | — | — | — | — |
| 14. | ICICI Prudential Medium Term FundICICI Prudential Mutual Fund | ₹48.4778 | — | — | — | — | — | — | — | — |
| 15. | ICICI Prudential Medium to Long Term FundICICI Prudential Mutual Fund | ₹41.7586 | — | — | — | — | — | — | — | — |
| 16. | Invesco India Medium Term FundInvesco Mutual Fund | ₹1,293.28 | — | — | — | — | — | — | — | — |
| 17. | JM Medium to Long Term FundJM Financial Mutual Fund | ₹63.7076 | — | — | — | — | — | — | — | — |
| 18. | Kotak Medium Term FundKotak Mahindra Mutual Fund | ₹24.4130 | — | — | — | — | — | — | — | — |
| 19. | Kotak Medium to Long Term FundKotak Mahindra Mutual Fund | ₹79.1681 | — | — | — | — | — | — | — | — |
| 20. | LIC MF Medium to Long Term FundLIC Mutual Fund | ₹75.3729 | — | — | — | — | — | — | — | — |
| 21. | Nippon India Medium to Long Term FundNippon India Mutual Fund | ₹92.1980 | — | — | — | — | — | — | — | — |
| 22. | SBI MEDIUM TERM FUNDSBI Mutual Fund | ₹54.7045 | — | — | — | — | — | — | — | — |
| 23. | SBI MEDIUM TO LONG TERM FUNDSBI Mutual Fund | ₹73.2824 | — | — | — | — | — | — | — | — |
| 24. | Sundaram Medium Term Fund (Formerly Known as Sundaram Medium Duration Fund)Sundaram Mutual Fund | ₹71.1274 | — | — | — | — | — | — | — | — |
| 25. | UTI Medium Term FundUTI Mutual Fund | ₹19.0535 | — | — | — | — | — | — | — | — |
| 26. | UTI Medium to Long Term FundUTI Mutual Fund | ₹75.7311 | — | — | — | — | — | — | — | — |
| Median: 26 schemes | — | — | — | — | — | — | — | — | — |
Detailed comparison with another fund About Medium & Long Duration Funds
Sorted by 3-year return; tap a heading to sort. Expense ratio and fund size are from published scheme data ("—" = not available yet). Sorting by past returns is a way to explore data, not a ranking of which fund to choose.
Scheme details
- Fund house
- Nippon India Mutual Fund
- Category
- Medium & Long Duration Funds · Debt
- Plan / option
- Regular · IDCW (income distribution)
- AMFI scheme code
- 100386
- ISIN
- INF204K01CT4, INF204K01CU2
- Exit load & portfolio
- See the scheme's KIM and monthly factsheet on the fund house website.
About Medium & Long Duration Funds
Medium & Long Duration Funds hold debt with a longer duration (3 years and more), so their value is more sensitive to interest-rate changes.
Generally used by investors with a 3+ year horizon who understand interest-rate risk.
Other plans of this scheme
- Nippon India Medium to Long Term Fund - Direct Plan - Growth Option
- Nippon India Medium to Long Term Fund - Regular Plan - Growth Option
- Nippon India Medium to Long Term Fund - Direct Plan - ANNUAL IDCW Option
- Nippon India Medium to Long Term Fund - Direct Plan - Bonus Option
- Nippon India Medium to Long Term Fund - Direct Plan - HALF YEARLY - IDCW Option
- Nippon India Medium to Long Term Fund - Direct Plan - MONTHLY IDCW Option
- Nippon India Medium to Long Term Fund - Direct Plan - QUARTERLY IDCW Option
- Nippon India Medium to Long Term Fund - Regular Plan - Bonus Option
Tax on your gains
Tax treatment depends on what the fund holds: equity-oriented if at least 65% is in Indian shares (directly or through equity funds), debt-oriented if over 65% is in debt, otherwise the "other" rules.
- Dividends (IDCW option) are added to your income and taxed at your slab rate; the fund deducts 10% TDS when they exceed ₹10,000 in a year.
- Switching from one scheme or plan to another counts as selling and buying.
- Surcharge and 4% health and education cess apply on top of these rates.
| Fund type | Short-term | Long-term |
|---|---|---|
| Equity-oriented | 20% (up to 12 months) | 12.5% above ₹1.25 lakh |
| Debt-oriented (bought from Apr 2023) | Slab rate | Slab rate |
| Gold, international, other hybrid | Slab rate | 12.5% (after 12 or 24 months) |
Exit load, if any, is set out in the scheme's KIM. Tax rules change from time to time and depend on your situation; please confirm with your tax adviser. This is general information, not tax advice.
Latest news: Nippon India Mutual Fund
Headlines from Google News about this fund house and its schemes over the last 30 days. Lists of "best funds" and buy or sell calls are left out. Links open the publisher's site.
Questions about this scheme
What is the NAV of Nippon India Medium to Long Term Fund today?
What returns has Nippon India Medium to Long Term Fund given?
What is the expense ratio of Nippon India Medium to Long Term Fund?
How risky is this fund?
What is the difference between Direct and Regular plans?
What are Medium & Long Duration Funds?
How are gains from Nippon India Medium to Long Term Fund taxed?
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