Medium to Long Term funds in India
26 plans (13 Regular, 13 Direct), rated on their track record against the median fund in their category and their peers. Data as of 8 Nov 2026.
Four-to-seven-year duration: noticeable gains when rates fall and dips when they rise. SEBI requires medium to long term funds to keep the portfolio's duration at roughly four to seven years.
The difference, on ₹10 lakh invested three years ago, between the strongest medium to long term fund (6.6% a year) and the weakest (5.1% a year). Same category, same SEBI rules, same market. 5 of 12 funds beat the median fund in their category over the same period.
Regular plans, to the latest NAV. Past returns, not a forecast.
Regular plans (13)
| Fund | Rating | 3Y return | 3Y vs index | Expense ratio | AUM |
|---|---|---|---|---|---|
| LIC MF Medium to Long Term FundLIC Mutual Fund · 20.6 yrs | A+ | 6.6% | +0.6% | 0.62% | ₹172 cr |
| ICICI Prudential Medium to Long Term FundICICI Prudential Mutual Fund · 18.2 yrs | A+ | 6.6% | +0.6% | 1.00% | ₹1,978 cr |
| SBI Medium To Long Term FundSBI Mutual Fund · 20.6 yrs | A | 6.1% | +0.1% | 1.48% | ₹1,995 cr |
| JM Medium to Long Term FundJM Financial Mutual Fund · 20.6 yrs | B | 6.0% | -0.0% | 1.03% | ₹29 cr |
| HDFC Medium to Long Term FundHDFC Mutual Fund · 20.6 yrs | B | 6.2% | +0.2% | 1.36% | ₹799 cr |
| Kotak Medium to Long Term FundKotak Mahindra Mutual Fund · 20.6 yrs | B | 6.0% | -0.0% | 1.65% | ₹1,743 cr |
| UTI Medium to Long Term FundUTI Mutual Fund · 20.6 yrs | B | 6.0% | +0.0% | 1.64% | ₹300 cr |
| HSBC Medium to Long Term FundHSBC Mutual Fund · 20.6 yrs | B | 5.7% | -0.3% | 1.30% | ₹48 cr |
| Nippon India Medium to Long Term FundNippon India Mutual Fund · 20.6 yrs | B | 5.8% | -0.1% | 1.44% | ₹298 cr |
| Canara Robeco Medium To Long Term FundCanara Robeco Mutual Fund · 20.6 yrs | C | 5.1% | -0.9% | 1.84% | ₹111 cr |
| Aditya Birla Sun Life Medium to Long Term FundAditya Birla Sun Life Mutual Fund · 20.6 yrs | C | 5.7% | -0.3% | 1.13% | ₹1,710 cr |
| Bandhan Medium to Long Term FundBandhan Mutual Fund · 18.4 yrs | C | 5.9% | -0.1% | 1.94% | ₹425 cr |
| Franklin India Medium to Long Term FundFranklin Templeton Mutual Fund · 2.1 yrs | – | – | – | 0.85% | ₹40 cr |
Direct plans (13)
| Fund | Rating | 3Y return | 3Y vs index | Expense ratio | AUM |
|---|---|---|---|---|---|
| LIC MF Medium to Long Term FundLIC Mutual Fund · 13.8 yrs | A+ | 7.5% | +0.8% | 0.22% | ₹172 cr |
| ICICI Prudential Medium to Long Term FundICICI Prudential Mutual Fund · 13.8 yrs | A+ | 7.0% | +0.3% | 0.59% | ₹1,978 cr |
| SBI Medium To Long Term FundSBI Mutual Fund · 13.8 yrs | A | 6.8% | +0.1% | 0.78% | ₹1,995 cr |
| Kotak Medium to Long Term FundKotak Mahindra Mutual Fund · 13.8 yrs | A | 7.0% | +0.3% | 0.74% | ₹1,743 cr |
| JM Medium to Long Term FundJM Financial Mutual Fund · 13.8 yrs | B | 6.5% | -0.2% | 0.60% | ₹29 cr |
| HSBC Medium to Long Term FundHSBC Mutual Fund · 13.8 yrs | B | 6.5% | -0.2% | 0.63% | ₹48 cr |
| Nippon India Medium to Long Term FundNippon India Mutual Fund · 13.8 yrs | B | 6.7% | +0.1% | 0.67% | ₹298 cr |
| Canara Robeco Medium To Long Term FundCanara Robeco Mutual Fund · 13.8 yrs | B | 6.3% | -0.4% | 0.72% | ₹111 cr |
| UTI Medium to Long Term FundUTI Mutual Fund · 13.8 yrs | B | 6.4% | -0.3% | 1.32% | ₹300 cr |
| HDFC Medium to Long Term FundHDFC Mutual Fund · 13.8 yrs | C | 6.7% | -0.0% | 0.80% | ₹799 cr |
| Bandhan Medium to Long Term FundBandhan Mutual Fund · 13.8 yrs | C | 6.7% | -0.0% | 0.98% | ₹425 cr |
| Aditya Birla Sun Life Medium to Long Term FundAditya Birla Sun Life Mutual Fund · 13.8 yrs | C | 6.2% | -0.5% | 0.69% | ₹1,710 cr |
| Franklin India Medium to Long Term FundFranklin Templeton Mutual Fund · 2.1 yrs | – | – | – | 0.34% | ₹40 cr |
Common questions
What does a medium to long term fund invest in?
SEBI requires medium to long term funds to keep the portfolio's duration at roughly four to seven years.
How many medium to long term funds beat their index over 3 years?
5 of 12 medium to long term funds (Regular plans with 3 years of history) beat the median fund in their category over the 3 years to 8 Nov 2026.
How are these funds rated?
Each fund is compared only with funds in its category and plan type, on its long-run return over the index, risk-adjusted return, consistency, cost and portfolio. The ratings describe the track record so far; our own backtest found they do not predict future returns.
Ratings describe past track records and are not a recommendation to buy or sell. Read the scheme documents before investing.