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Best Medium to Long Duration Funds 2025
Are looking to invest money between 4 to 7 years, but don’t want Market Volatility to affect your investment? Then here’s a fund that you need to look at. Medium to Long Duration Funds is a type of debt funds that have a Macaulay duration of between 4 to 7 years. So, if you want to earn optimal returns out of your wealth over the mid to long run, then medium to long duration funds can be an ideal fund for you.
Medium to Long Duration Mutual Funds Overview
Medium to Long Duration Funds invests in the debt and money market instruments that have an average maturity of between 4 to 7 years (Macaulay duration). These funds may provide better returns, but can be more sensitive to interest rate changes. When the interest rate rises the bond price falls and vice-versa. As such debt funds are exposed to interest rate fluctuations, it disturbs the prices of the Underlying Bonds in the fund Portfolio.
Investors who want to invest in medium to long duration funds should be able to tolerate some level of risk, as such debt funds are not completely risk-free. Debt funds have a choice of various maturity schemes ranging from low duration, short duration, medium duration, medium-to-long duration and long duration funds. To make the best out of their investments in debt funds, investors need to decide investment based on their maturity period. Like said, if you are looking at the time frame of one-year Investment plan, then, a short duration Debt fund can ideally suit.
Taxation in Debt Mutual Funds
Tax implication on debt funds is computed in the following manner-
Short Term Capital Gains
If the holding period of a debt investment is less than 36 months, then it is classified as a short-term investment and these are taxed as per individual's tax slab.
Long Term Capital Gains
If the holding period of debt investment is more than 36 months, then it is classified as a long-term investment and is taxed at 20% with an indexation benefit.
| Capital Gains | Investment Holding Gains | Taxation |
|---|---|---|
| Short Term Capital Gains | Less than 36 months | As per individual's tax slab |
| Long Term Capital Gains | More than 36 months | 20% with indexation benefits |
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Top 11 Best Performing Medium to Long Duration Funds FY 25 - 26
Fund 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity LIC MF Bond Fund Growth 1.8 3.7 8.2 6.4 9 7.09% 5Y 11M 12D 7Y 11M 26D ICICI Prudential Bond Fund Growth 1.8 3.8 8.1 6.8 8.6 7.27% 4Y 10M 6D 7Y 5M 8D HDFC Income Fund Growth 1.6 3.1 7.7 5.7 9 7.13% 6Y 7M 30D 11Y 4M 18D UTI Bond Fund Growth 1.6 3.4 7.5 8.7 8.5 7.31% 6Y 3M 29D 10Y 3M 14D SBI Magnum Income Fund Growth 1.6 3.3 7.5 6.3 8.1 7.59% 5Y 6M 14D 9Y 6M 29D Aditya Birla Sun Life Income Fund Growth 1.5 3.1 7.5 5.8 8.4 7.33% 6Y 7M 28D 15Y 5M 5D Kotak Bond Fund Growth 1.4 2.8 7.2 5.7 8.2 7.05% 6Y 6M 25D 13Y 11M 8D Nippon India Income Fund Growth 1.6 2.9 7.1 6.4 8.1 7.14% 6Y 8M 1D 11Y 9M 22D Canara Robeco Income Fund Growth 1.3 2.4 6.6 5.1 7.6 6.92% 5Y 7M 12D 11Y 7M 6D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Feb 25
LIC MF Bond Fund is an open-ended debt scheme, which will endeavor to generate an attractive return for its investors by investing in a portfolio of quality debt securities and money market instruments. However, there is no assurance that the investment objective of the Scheme will be realised. LIC MF Bond Fund is a Debt - Medium to Long term fund was launched on 15 Sep 99. It is a fund with Moderate risk and has given a Below is the key information for LIC MF Bond Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Income Opportunities Fund) ICICI Prudential Income Opportunities Fund is an open-ended income fund that intends to generate income through investments in a range of debt and money market instruments of various credit ratings and maturities ICICI Prudential Bond Fund is a Debt - Medium to Long term fund was launched on 18 Aug 08. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Bond Fund Returns up to 1 year are on Aims to optimise returns while maintaining a balance of safety, yield and liquidity. HDFC Income Fund is a Debt - Medium to Long term fund was launched on 11 Sep 00. It is a fund with Moderate risk and has given a Below is the key information for HDFC Income Fund Returns up to 1 year are on (Erstwhile UTI - Bond Fund) The Scheme will retain the flexibility to invest in the entire range of debt and money market instruments. The flexibility is being retained to adjust the portfolio in response to a change in the risk to return equation for asset classes under investment, with a view to maintain risks within manageable limits. UTI Bond Fund is a Debt - Medium to Long term fund was launched on 4 May 98. It is a fund with Moderate risk and has given a Below is the key information for UTI Bond Fund Returns up to 1 year are on To provide the investors an opportunity to earn, in accordance with their requirements, through capital gains or through regular dividends, returns that would be higher than the returns offered by comparable investment avenues through investment in debt & money market securities. SBI Magnum Income Fund is a Debt - Medium to Long term fund was launched on 25 Nov 98. It is a fund with Moderate risk and has given a Below is the key information for SBI Magnum Income Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life Income Plus) An Open-ended Income Scheme to generate consistent income through superior yields on its investments at moderate levels of risk through a diversified investment approach. This income may be complemented by price changes of instruments in the portfolio. Aditya Birla Sun Life Income Fund is a Debt - Medium to Long term fund was launched on 21 Oct 95. It is a fund with Moderate risk and has given a Below is the key information for Aditya Birla Sun Life Income Fund Returns up to 1 year are on (Erstwhile Kotak Bond Regular Plan Growth) To create a portfolio of debt and money market instruments of different maturities
so as to spread the risk across a wide maturity horizon & different kinds of issuers in the debt market. However, there is no assurance that the objective of the scheme will be realized Kotak Bond Fund is a Debt - Medium to Long term fund was launched on 25 Nov 99. It is a fund with Moderate risk and has given a Below is the key information for Kotak Bond Fund Returns up to 1 year are on The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly, investments shall predominantly be made in Debt & Money Market Instruments. Nippon India Income Fund is a Debt - Medium to Long term fund was launched on 1 Jan 98. It is a fund with Moderate risk and has given a Below is the key information for Nippon India Income Fund Returns up to 1 year are on (Erstwhile Canara Robeco Income) To generate income through investment in debt and money market securities of different maturity and issuers of different risk profiles. However, there can be no assurance that the investment objective of the scheme will be realized. Canara Robeco Income Fund is a Debt - Medium to Long term fund was launched on 19 Sep 02. It is a fund with Moderate risk and has given a Below is the key information for Canara Robeco Income Fund Returns up to 1 year are on 1. LIC MF Bond Fund
CAGR/Annualized return of 7.8% since its launch. Return for 2024 was 9% , 2023 was 6.5% and 2022 was 2.8% . LIC MF Bond Fund
Growth Launch Date 15 Sep 99 NAV (20 Feb 25) ₹69.8765 ↓ -0.02 (-0.02 %) Net Assets (Cr) ₹185 on 31 Jan 25 Category Debt - Medium to Long term AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Risk Moderate Expense Ratio 1.04 Sharpe Ratio 1.21 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 7.09% Effective Maturity 7 Years 11 Months 26 Days Modified Duration 5 Years 11 Months 12 Days Growth of 10,000 investment over the years.
Date Value Returns for LIC MF Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.7% 3 Month 1.8% 6 Month 3.7% 1 Year 8.2% 3 Year 6.4% 5 Year 5.4% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 9% 2022 6.5% 2021 2.8% 2020 1.3% 2019 8.8% 2018 9.7% 2017 4.9% 2016 2.2% 2015 12.3% 2014 5.6% Fund Manager information for LIC MF Bond Fund
Name Since Tenure Data below for LIC MF Bond Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. ICICI Prudential Bond Fund
CAGR/Annualized return of 8.6% since its launch. Ranked 19 in Medium to Long term category. Return for 2024 was 8.6% , 2023 was 7.7% and 2022 was 3.1% . ICICI Prudential Bond Fund
Growth Launch Date 18 Aug 08 NAV (20 Feb 25) ₹38.8053 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹2,909 on 31 Jan 25 Category Debt - Medium to Long term AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.11 Sharpe Ratio 1.01 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-6 Months (1%),6 Months and above(NIL) Yield to Maturity 7.27% Effective Maturity 7 Years 5 Months 8 Days Modified Duration 4 Years 10 Months 6 Days Growth of 10,000 investment over the years.
Date Value Returns for ICICI Prudential Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.7% 3 Month 1.8% 6 Month 3.8% 1 Year 8.1% 3 Year 6.8% 5 Year 6.4% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.6% 2022 7.7% 2021 3.1% 2020 2.9% 2019 11.5% 2018 10.9% 2017 4.6% 2016 5.3% 2015 11.3% 2014 8.5% Fund Manager information for ICICI Prudential Bond Fund
Name Since Tenure Data below for ICICI Prudential Bond Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. HDFC Income Fund
CAGR/Annualized return of 7.3% since its launch. Ranked 29 in Medium to Long term category. Return for 2024 was 9% , 2023 was 6.1% and 2022 was 0.9% . HDFC Income Fund
Growth Launch Date 11 Sep 00 NAV (20 Feb 25) ₹56.2588 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹869 on 31 Jan 25 Category Debt - Medium to Long term AMC HDFC Asset Management Company Limited Rating ☆☆ Risk Moderate Expense Ratio 1.53 Sharpe Ratio 0.88 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Months (0.25%),1 Months and above(NIL) Yield to Maturity 7.13% Effective Maturity 11 Years 4 Months 18 Days Modified Duration 6 Years 7 Months 30 Days Growth of 10,000 investment over the years.
Date Value Returns for HDFC Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3.1% 1 Year 7.7% 3 Year 5.7% 5 Year 5.1% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 9% 2022 6.1% 2021 0.9% 2020 2.1% 2019 9.3% 2018 8.7% 2017 3.6% 2016 1.3% 2015 14.5% 2014 5.3% Fund Manager information for HDFC Income Fund
Name Since Tenure Data below for HDFC Income Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. UTI Bond Fund
CAGR/Annualized return of 7.6% since its launch. Ranked 11 in Medium to Long term category. Return for 2024 was 8.5% , 2023 was 6.4% and 2022 was 9.9% . UTI Bond Fund
Growth Launch Date 4 May 98 NAV (20 Feb 25) ₹70.9509 ↓ -0.02 (-0.03 %) Net Assets (Cr) ₹316 on 31 Jan 25 Category Debt - Medium to Long term AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.62 Sharpe Ratio 0.74 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.31% Effective Maturity 10 Years 3 Months 14 Days Modified Duration 6 Years 3 Months 29 Days Growth of 10,000 investment over the years.
Date Value Returns for UTI Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3.4% 1 Year 7.5% 3 Year 8.7% 5 Year 8.7% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.5% 2022 6.4% 2021 9.9% 2020 9.4% 2019 1.1% 2018 -5.8% 2017 4% 2016 3.6% 2015 13.9% 2014 6.3% Fund Manager information for UTI Bond Fund
Name Since Tenure Data below for UTI Bond Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 5. SBI Magnum Income Fund
CAGR/Annualized return of 7.6% since its launch. Ranked 6 in Medium to Long term category. Return for 2024 was 8.1% , 2023 was 7.2% and 2022 was 3% . SBI Magnum Income Fund
Growth Launch Date 25 Nov 98 NAV (20 Feb 25) ₹68.3931 ↓ -0.03 (-0.04 %) Net Assets (Cr) ₹1,890 on 31 Jan 25 Category Debt - Medium to Long term AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.46 Sharpe Ratio 0.72 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 7.59% Effective Maturity 9 Years 6 Months 29 Days Modified Duration 5 Years 6 Months 14 Days Growth of 10,000 investment over the years.
Date Value Returns for SBI Magnum Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.7% 3 Month 1.6% 6 Month 3.3% 1 Year 7.5% 3 Year 6.3% 5 Year 6.3% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.1% 2022 7.2% 2021 3% 2020 3.6% 2019 11.6% 2018 11.7% 2017 4.7% 2016 5.7% 2015 13.4% 2014 6% Fund Manager information for SBI Magnum Income Fund
Name Since Tenure Data below for SBI Magnum Income Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 6. Aditya Birla Sun Life Income Fund
CAGR/Annualized return of 8.9% since its launch. Ranked 26 in Medium to Long term category. Return for 2024 was 8.4% , 2023 was 6.6% and 2022 was 2.4% . Aditya Birla Sun Life Income Fund
Growth Launch Date 21 Oct 95 NAV (20 Feb 25) ₹121.506 ↓ -0.05 (-0.04 %) Net Assets (Cr) ₹2,209 on 15 Feb 25 Category Debt - Medium to Long term AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.03 Sharpe Ratio 0.7 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.33% Effective Maturity 15 Years 5 Months 5 Days Modified Duration 6 Years 7 Months 28 Days Growth of 10,000 investment over the years.
Date Value Returns for Aditya Birla Sun Life Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.6% 3 Month 1.5% 6 Month 3.1% 1 Year 7.5% 3 Year 5.8% 5 Year 6.3% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.4% 2022 6.6% 2021 2.4% 2020 4% 2019 12.8% 2018 9.5% 2017 5.1% 2016 2.8% 2015 14.4% 2014 4.6% Fund Manager information for Aditya Birla Sun Life Income Fund
Name Since Tenure Data below for Aditya Birla Sun Life Income Fund as on 15 Feb 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 7. Kotak Bond Fund
CAGR/Annualized return of 8.3% since its launch. Ranked 32 in Medium to Long term category. Return for 2024 was 8.2% , 2023 was 6.8% and 2022 was 1.7% . Kotak Bond Fund
Growth Launch Date 25 Nov 99 NAV (20 Feb 25) ₹74.2548 ↓ -0.04 (-0.06 %) Net Assets (Cr) ₹2,088 on 31 Jan 25 Category Debt - Medium to Long term AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆ Risk Moderate Expense Ratio 1.77 Sharpe Ratio 0.56 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-3 Months (0.2%),3 Months and above(NIL) Yield to Maturity 7.05% Effective Maturity 13 Years 11 Months 8 Days Modified Duration 6 Years 6 Months 25 Days Growth of 10,000 investment over the years.
Date Value Returns for Kotak Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.4% 3 Month 1.4% 6 Month 2.8% 1 Year 7.2% 3 Year 5.7% 5 Year 5.8% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.2% 2022 6.8% 2021 1.7% 2020 2.4% 2019 12.3% 2018 10.3% 2017 5.2% 2016 0.9% 2015 14.3% 2014 4.6% Fund Manager information for Kotak Bond Fund
Name Since Tenure Data below for Kotak Bond Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 8. Nippon India Income Fund
CAGR/Annualized return of 8.3% since its launch. Ranked 28 in Medium to Long term category. Return for 2024 was 8.1% , 2023 was 6.8% and 2022 was 3.3% . Nippon India Income Fund
Growth Launch Date 1 Jan 98 NAV (20 Feb 25) ₹86.8833 ↓ -0.03 (-0.04 %) Net Assets (Cr) ₹401 on 31 Jan 25 Category Debt - Medium to Long term AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.43 Sharpe Ratio 0.48 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-15 Days (0.25%),15 Days and above(NIL) Yield to Maturity 7.14% Effective Maturity 11 Years 9 Months 22 Days Modified Duration 6 Years 8 Months 1 Day Growth of 10,000 investment over the years.
Date Value Returns for Nippon India Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 2.9% 1 Year 7.1% 3 Year 6.4% 5 Year 5.6% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.1% 2022 6.8% 2021 3.3% 2020 1.2% 2019 10.5% 2018 11.4% 2017 6.1% 2016 2.4% 2015 13.8% 2014 5.1% Fund Manager information for Nippon India Income Fund
Name Since Tenure Data below for Nippon India Income Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 9. Canara Robeco Income Fund
CAGR/Annualized return of 7.8% since its launch. Return for 2024 was 7.6% , 2023 was 5.6% and 2022 was 1.6% . Canara Robeco Income Fund
Growth Launch Date 19 Sep 02 NAV (20 Feb 25) ₹53.823 ↓ -0.02 (-0.04 %) Net Assets (Cr) ₹120 on 15 Feb 25 Category Debt - Medium to Long term AMC Canara Robeco Asset Management Co. Ltd. Rating Risk Moderate Expense Ratio 1.88 Sharpe Ratio 0.22 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-12 Months (1%),12 Months and above(NIL) Yield to Maturity 6.92% Effective Maturity 11 Years 7 Months 6 Days Modified Duration 5 Years 7 Months 12 Days Growth of 10,000 investment over the years.
Date Value Returns for Canara Robeco Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 25 Duration Returns 1 Month 0.5% 3 Month 1.3% 6 Month 2.4% 1 Year 6.6% 3 Year 5.1% 5 Year 5% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.6% 2022 5.6% 2021 1.6% 2020 1.9% 2019 10.1% 2018 10.3% 2017 5.2% 2016 3.5% 2015 12.7% 2014 5.6% Fund Manager information for Canara Robeco Income Fund
Name Since Tenure Data below for Canara Robeco Income Fund as on 15 Feb 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity
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