MonitorDirect · GrowthWatch before adding
Invesco India Medium Term Fund
Invesco Mutual FundIncome/Debt Oriented Schemes - Medium Term Fund5.3 years
- NAV
- 1,350.6147
- 30 Oct 2026
- 1Y
- +3.6%
- Trailing CAGR
- AUM
- ₹131.21 Cr
- 30 Sept 2026
- Volatility
- Low
- 1.5% 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
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 HSBC Medium Term Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
5.3 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.32% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -2.3%. Ask whether you can hold through a similar fall.
Vs category
Fail
0% 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
Watch
Top 10 holdings ≈ 70.5% 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+3.6%
- 3Y+6.9%
- 5Y+5.9%
- 10Yn/a
- SI+5.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+3.1%
- 3Y+5.6%
- 5Y+6.2%
- 10Yn/a
- Since inception
- +5.8%
- Calendar-day CAGR
- Excess 1Y
- -1.5%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 27
- Vs comparable share classes
- SIP 3Y XIRR
- +5.6%
- Simulated monthly SIP
- Worst rolling 3Y
- +5.5%
- 556 daily-ending windows
- Median rolling 3Y
- +7.3%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 71 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -2.3%
- Worst peak-to-trough
- Current
- -1.0%
- Below last peak
- Current spell
- 77 days
- Days below latest peak
- Time below peak
- +60%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 144 recovered episodes
- Longest recovery
- 100 days
- Trough to prior peak
5 Apr 2022 – 17 Aug 2022
Trough 9 May 2022 · recovered in 100 days
-2.3%
14 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-1.2%
11 Mar 2026 – 15 Apr 2026
Trough 2 Apr 2026 · recovered in 13 days
-1.1%
13 Sept 2022 – 10 Nov 2022
Trough 26 Sept 2022 · recovered in 45 days
-0.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
27
Vs category
41
Consistency
4
Risk-adjusted
25
Drawdown
94
Mean
38
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
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
- Risk-adjusted return (Sharpe) is negative over the available daily history.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 21 holdings · top 10 are 70.5%.
- Top 5
- 44.6%
- Top 10
- 70.5%
- Largest holding
- 11.2%
- Effective holdings
- 15.4
GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100
Entities
11.2%
GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100
Entities
10.8%
NATIONAL HOUSING BANK 7.59 BD 08SP27 FVRS1LAC
Financial
7.6%
BAJAJ FINANCE LIMITED 7.77 NCD 17AP29 FVRS1LAC
Financial
7.5%
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
7.5%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
30 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
29 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
28 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
26 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
HSBC Medium Term Fund
HSBC Mutual Fund
- 1Y
- +4.3%
- 3Y
- +7.5%
- Vol
- 1.2%
- Max DD
- -1.0%
- Sharpe
- 1.23
- 3Y win
- +87%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Aditya Birla Sun Life Medium Term Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +7.5%
- 3Y
- +10.4%
- Vol
- 5.6%
- Max DD
- -12.6%
- Sharpe
- 0.67
- 3Y win
- +67%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Axis Medium Term Fund
Axis Mutual Fund
- 1Y
- +5.4%
- 3Y
- +8.2%
- Vol
- 2.5%
- Max DD
- -7.3%
- Sharpe
- 1.02
- 3Y win
- +100%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Bandhan Medium Term Fund
Bandhan Mutual Fund
- 1Y
- +5.4%
- 3Y
- +7.5%
- Vol
- 2.0%
- Max DD
- -3.6%
- Sharpe
- 0.81
- 3Y win
- +29%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
HDFC Medium Term Fund
HDFC Mutual Fund
- 1Y
- +5.4%
- 3Y
- +7.7%
- Vol
- 1.7%
- Max DD
- -3.5%
- Sharpe
- 1.22
- 3Y win
- +65%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER