HealthyDirect · GrowthFit for a long SIP
ICICI Prudential Medium to Long Term Fund
ICICI Prudential Mutual FundIncome/Debt Oriented Schemes - Medium to Long Term Fund13.8 years
- NAV
- 44.3131
- 30 Oct 2026
- 1Y
- +2.7%
- Trailing CAGR
- AUM
- ₹2,048.17 Cr
- 31 Aug 2026
- Volatility
- Low
- 3.1% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 89% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.59% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -10.2%. Ask whether you can hold through a similar fall.
Vs category
Pass
89% 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 ≈ 51.0% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
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+2.7%
- 3Y+6.7%
- 5Y+6.1%
- 10Y+6.9%
- SI+7.7%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+1.5%
- 3Y+4.9%
- 5Y+6.0%
- 10Y+6.6%
- Since inception
- +7.7%
- Calendar-day CAGR
- Excess 1Y
- -0.1%
- Category median, same plan and option
- 3Y win rate
- +89%
- Windows beating the median
- 3Y percentile
- 73
- Vs comparable share classes
- SIP 3Y XIRR
- +4.9%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.7%
- 2620 daily-ending windows
- Median rolling 3Y
- +7.9%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2136 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -10.2%
- Worst peak-to-trough
- Current
- -2.1%
- Below last peak
- Current spell
- 77 days
- Days below latest peak
- Time below peak
- +67%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 286 recovered episodes
- Longest recovery
- 254 days
- Trough to prior peak
27 May 2013 – 30 Apr 2014
Trough 19 Aug 2013 · recovered in 254 days
-10.2%
9 Mar 2020 – 31 Mar 2020
Trough 23 Mar 2020 · recovered in 8 days
-3.8%
14 Aug 2026 – open
Trough 27 Oct 2026 · not recovered
-2.4%
6 Apr 2018 – 27 Aug 2018
Trough 7 Jun 2018 · recovered in 81 days
-2.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
73
Vs category
49
Consistency
83
Risk-adjusted
55
Drawdown
75
Mean
67
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 89% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
31 Aug 2026 · 53 holdings · top 10 are 51.0%.
- Top 5
- 32.3%
- Top 10
- 51.0%
- Largest holding
- 8.9%
- Effective holdings
- 26.0
GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100
Entities
8.9%
GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
6.6%
Repo
Unspecified
5.9%
SUMMIT DIGITEL INFRASTRUCTURE LIMITED 7.87 NCD 15MR30 FVRS1LAC
Technology
5.7%
HDFC BANK LIMITED SR Y005 6.83 NCD 08JN31 FVRS10LAC
Financial
5.2%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Franklin India Medium to Long Term Fund
Franklin Templeton Mutual Fund
- 1Y
- +3.1%
- 3Y
- n/a
- Vol
- 1.9%
- Max DD
- -1.8%
- Sharpe
- -0.15
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
LIC MF Medium to Long Term Fund
LIC Mutual Fund
- 1Y
- +3.6%
- 3Y
- +7.3%
- Vol
- 2.7%
- Max DD
- -6.2%
- Sharpe
- 0.42
- 3Y win
- +22%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
Bandhan Medium to Long Term Fund
Bandhan Mutual Fund
- 1Y
- +5.3%
- 3Y
- +6.8%
- Vol
- 3.5%
- Max DD
- -6.9%
- Sharpe
- 0.47
- 3Y win
- +55%
- Shallower drawdown
- Higher trailing returns
Caveat: Higher volatility · Higher TER
Canara Robeco Medium To Long Term Fund
Canara Robeco Mutual Fund
- 1Y
- +2.3%
- 3Y
- +6.1%
- Vol
- 2.9%
- Max DD
- -5.5%
- Sharpe
- 0.50
- 3Y win
- +38%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
Kotak Medium to Long Term Fund
Kotak Mahindra Mutual Fund
- 1Y
- +3.0%
- 3Y
- +6.8%
- Vol
- 3.6%
- Max DD
- -9.9%
- Sharpe
- 0.45
- 3Y win
- +66%
- Shallower drawdown
- Higher trailing returns
Caveat: Higher volatility · Higher TER