Medium Duration Mutual Funds
Portfolio duration of 3 to 4 years.
Longer maturities mean a rate cut is worth more and a rate rise costs more. Check what the fund holds as well as how long — several medium-duration funds have taken credit risk to lift returns.
Who it suits. Investors comfortable with some interest-rate movement. Hold for 3 to 4 years.
Regular plans in this category
- Aditya Birla Sun Life Medium Term PlanAditya Birla Sun Life Mutual Fund · NAV ₹43.76 8.6% 9.9% 12.0%
- Kotak Medium Term FundKotak Mahindra Mutual Fund · NAV ₹24.51 6.7% 8.1% 6.5%
Point-to-point CAGR from AMFI NAV history, Regular plans only. Ordered by five-year return so the list has a shape, not because the order is a judgement. Past returns do not predict future ones — a fund near the top is usually there because its style suited the last five years, and styles take turns.
Other categories
Questions people ask
What is a Medium Duration fund?
Portfolio duration of 3 to 4 years. Longer maturities mean a rate cut is worth more and a rate rise costs more. Check what the fund holds as well as how long — several medium-duration funds have taken credit risk to lift returns.
Who should invest in Medium Duration funds?
Investors comfortable with some interest-rate movement. A sensible holding period is 3 to 4 years.
How is this list ordered?
By five-year CAGR computed from AMFI's published NAV history, within one plan type. It is a sort, not a verdict — a fund near the top is there because its style suited the last five years, which is not a promise about the next five.
Should I choose the Direct or Regular plan?
A Direct plan holds exactly the same portfolio without the distributor commission, so its expense ratio is lower — commonly 0.5% to 1.2% a year — and it compounds ahead of the Regular plan for ever. Choose Regular only if you want an intermediary's advice and are content to pay for it annually.