HealthyDirect · GrowthFit for a long SIP
LIC MF Medium to Long Term Fund
LIC Mutual FundIncome/Debt Oriented Schemes - Medium to Long Term Fund13.8 years
- NAV
- 81.7633
- 30 Oct 2026
- 1Y
- +3.6%
- Trailing CAGR
- AUM
- ₹173.04 Cr
- 30 Sept 2026
- Volatility
- Low
- 2.7% 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 · Three-year return is above the category median.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
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
0.22% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -6.2%. Ask whether you can hold through a similar fall.
Vs category
Fail
22% 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 ≈ 69.4% 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+3.6%
- 3Y+7.3%
- 5Y+6.2%
- 10Y+6.2%
- SI+7.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+3.1%
- 3Y+5.6%
- 5Y+6.4%
- 10Y+6.3%
- Since inception
- +7.0%
- Calendar-day CAGR
- Excess 1Y
- +1.0%
- Category median, same plan and option
- 3Y win rate
- +22%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- SIP 3Y XIRR
- +5.6%
- Simulated monthly SIP
- Worst rolling 3Y
- +3.6%
- 2620 daily-ending windows
- Median rolling 3Y
- +7.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2137 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -6.2%
- Worst peak-to-trough
- Current
- -1.1%
- Below last peak
- Current spell
- 77 days
- Days below latest peak
- Time below peak
- +72%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 287 recovered episodes
- Longest recovery
- 154 days
- Trough to prior peak
27 May 2013 – 20 Jan 2014
Trough 19 Aug 2013 · recovered in 154 days
-6.2%
24 Nov 2016 – 8 Jun 2017
Trough 10 Mar 2017 · recovered in 90 days
-3.3%
9 Mar 2020 – 21 Apr 2020
Trough 23 Mar 2020 · recovered in 29 days
-2.8%
5 Apr 2018 – 15 Oct 2018
Trough 7 Jun 2018 · recovered in 130 days
-2.5%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
56
Consistency
31
Risk-adjusted
46
Drawdown
84
Mean
63
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
- Three-year return is above the category median.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 21 holdings · top 10 are 69.4%.
- Top 5
- 39.8%
- Top 10
- 69.4%
- Largest holding
- 8.6%
- Effective holdings
- 16.4
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC
Financial
8.6%
GOVERNMENT OF INDIA 33071 GOI 19JU53 7.3 FV RS 100
Entities
8.5%
HDFC BANK LIMITED CD 05MAR27
Financial
8.4%
CANARA BANK CD 29JUN27
Financial
8.2%
POWER FINANCE CORPORATION LIMITED SR 246A 7.42 BD 15AP28 FVRS1LAC
Financial
6.0%
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
Caveat: Higher TER · Lower trailing returns
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%
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher volatility · Higher TER · Lower trailing returns
Aditya Birla Sun Life Medium to Long Term Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +1.7%
- 3Y
- +6.0%
- Vol
- 3.7%
- Max DD
- -10.3%
- Sharpe
- 0.42
- 3Y win
- +64%
- Higher win rate vs category
Caveat: Higher volatility · Deeper drawdown · Higher TER · Lower 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%
- Higher win rate vs category
Caveat: Higher volatility · Deeper drawdown · Higher TER · Lower trailing returns
HDFC Medium to Long Term Fund
HDFC Mutual Fund
- 1Y
- +2.8%
- 3Y
- +6.5%
- Vol
- 3.5%
- Max DD
- -10.6%
- Sharpe
- 0.31
- 3Y win
- +28%
- Higher win rate vs category
Caveat: Higher volatility · Deeper drawdown · Higher TER · Lower trailing returns