MonitorDirect · GrowthWatch before adding
HDFC Medium to Long Term Fund
HDFC Mutual FundIncome/Debt Oriented Schemes - Medium to Long Term Fund13.8 years
- NAV
- 66.4706
- 28 Oct 2026
- 1Y
- +2.4%
- Trailing CAGR
- AUM
- ₹812.7 Cr
- 30 Sept 2026
- Volatility
- Low
- 3.5% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 27 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer ICICI Prudential Medium to Long Term Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.80% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -10.6%. Ask whether you can hold through a similar fall.
Vs category
Fail
28% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 52.8% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+2.4%
- 3Y+6.5%
- 5Y+5.5%
- 10Y+5.6%
- SI+6.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+1.6%
- 3Y+4.5%
- 5Y+5.6%
- 10Y+5.8%
- Since inception
- +6.9%
- Calendar-day CAGR
- Excess 1Y
- -0.0%
- Category median, same plan and option
- 3Y win rate
- +28%
- Windows beating the median
- 3Y percentile
- 45
- Vs comparable share classes
- SIP 3Y XIRR
- +4.5%
- Simulated monthly SIP
- Worst rolling 3Y
- +3.5%
- 2604 daily-ending windows
- Median rolling 3Y
- +6.8%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2122 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -10.6%
- Worst peak-to-trough
- Current
- -2.3%
- Below last peak
- Current spell
- 74 days
- Days below latest peak
- Time below peak
- +77%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 9 days
- 236 recovered episodes
- Longest recovery
- 277 days
- Trough to prior peak
27 May 2013 – 23 May 2014
Trough 19 Aug 2013 · recovered in 277 days
-10.6%
24 Nov 2016 – 1 Sept 2017
Trough 10 Mar 2017 · recovered in 175 days
-6.0%
6 Sept 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-3.4%
9 Mar 2020 – 23 Apr 2020
Trough 19 Mar 2020 · recovered in 35 days
-2.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
46
Vs category
50
Consistency
36
Risk-adjusted
41
Drawdown
73
Mean
49
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
No status reasons yet. History is still thin.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 36 holdings · top 10 are 52.8%.
- Top 5
- 33.7%
- Top 10
- 52.8%
- Largest holding
- 11.7%
- Effective holdings
- 22.3
GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100
Entities
11.7%
REC LIMITED SR 253 7.38 BD 28FB29 FVRS1LAC
Financial
6.1%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR I 6.66 BD 25OT28 FVRS1LAC
Financial
6.0%
GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
5.0%
GOI Sec 7.23 15/04/2039
Entities
4.9%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI Prudential Medium to Long Term Fund
ICICI Prudential Mutual Fund
- 1Y
- +2.2%
- 3Y
- +6.6%
- Vol
- 3.1%
- Max DD
- -10.2%
- Sharpe
- 0.60
- 3Y win
- +89%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
SBI MEDIUM TO LONG TERM FUND
SBI Mutual Fund
- 1Y
- +2.9%
- 3Y
- +6.5%
- Vol
- 3.0%
- Max DD
- -8.5%
- Sharpe
- 0.63
- 3Y win
- +88%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Canara Robeco Medium To Long Term Fund
Canara Robeco Mutual Fund
- 1Y
- +1.9%
- 3Y
- +6.0%
- Vol
- 3.0%
- Max DD
- -5.5%
- Sharpe
- 0.51
- 3Y win
- +38%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Franklin India Medium to Long Term Fund
Franklin Templeton Mutual Fund
- 1Y
- +3.0%
- 3Y
- n/a
- Vol
- 1.9%
- Max DD
- -1.8%
- Sharpe
- -0.18
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Kotak Medium to Long Term Fund
Kotak Mahindra Mutual Fund
- 1Y
- +2.6%
- 3Y
- +6.7%
- Vol
- 3.6%
- Max DD
- -9.9%
- Sharpe
- 0.44
- 3Y win
- +66%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility