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Medium to Long Duration Mutual Funds

Investing isn’t just about chasing high returns—it’s about finding the right balance between growth, stability, and timing. That’s where medium to long duration debt funds quietly shine. They don’t always make headlines like equity funds or small-cap sprints, but for investors with a bit of patience and a medium-to-long time horizon, they can offer a smart way to ride interest rate cycles while keeping credit risk relatively low. View More

Think of them as the middle ground between short-term debt funds and ultra-long government securities. These funds typically invest in bonds with maturities ranging from 3 to 10 years, which means they’re sensitive to interest rate changes—sometimes in a good way, sometimes not.

So whether you're a conservative investor looking to step slightly out of your comfort zone, or someone planning for goals five years down the line—like buying a house, funding education, or even just parking money more smartly than in an FD—these funds deserve a closer look.

In this guide, we’ll break down what makes the best medium to long duration funds stand out, how to choose one based on your risk profile, and a few things to watch out for before diving in.

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List of Medium to Long Duration Mutual Funds

Filters
logo LIC MF Medium to Long Duration Fund-Dir Growth

11.43%

Fund Size (Cr.) - 202

Invest
logo ICICI Pru Bond Fund - Direct Growth

10.39%

Fund Size (Cr.) - 2,889

Invest
logo Kotak Bond Fund - Direct Growth

9.73%

Fund Size (Cr.) - 2,131

Invest
logo Nippon India Income Fund - Direct Growth

9.14%

Fund Size (Cr.) - 426

Invest
logo HDFC Income Fund - Direct Growth

9.78%

Fund Size (Cr.) - 953

Invest
logo SBI Magnum Income Fund - Direct Growth

9.66%

Fund Size (Cr.) - 1,983

Invest
logo JM Medium to Long Duration Fund - Direct Growth

10.45%

Fund Size (Cr.) - 35

Invest
logo HSBC Medium to Long Duration Fund - Direct Growth

9.77%

Fund Size (Cr.) - 51

Invest
logo UTI-Medium to Long Duration Fund - Direct Growth

9.66%

Fund Size (Cr.) - 334

Invest
logo Aditya Birla SL Income Fund - Dir Growth

9.13%

Fund Size (Cr.) - 2,317

Invest
View More

What is a Medium to Long Duration Mutual Fund?

When you’re planning for goals that are still a few years away—like a child’s education, a home purchase, or even just building a safety net—finding the right balance between risk and return matters. That’s where medium to long duration debt mutual funds come in.
Under SEBI’s framework, these funds fall into a specific category that ensures they maintain a Macaulay duration between 4 and 7 years—a key metric that reflects how sensitive the fund is to changes in interest rates.

Whether you're looking at medium or medium-to-long duration funds, both aim to offer better yields than short-term funds while keeping volatility lower than what you might face with long-duration bonds. For investors with a moderate risk appetite and a time horizon of 3 to 7 years, these funds can provide a relatively stable, inflation-beating return, especially in a fluctuating interest rate environment.
 

Popular Medium to Long Duration Mutual Funds

  • Min SIP Investment Amt
  • ₹ ₹ 200
  • AUM (Cr.)
  • ₹ 202
  • 3Y Return
  • 9.44%

  • Min SIP Investment Amt
  • ₹ ₹ 100
  • AUM (Cr.)
  • ₹ 2,889
  • 3Y Return
  • 9.28%

  • Min SIP Investment Amt
  • ₹ ₹ 100
  • AUM (Cr.)
  • ₹ 2,131
  • 3Y Return
  • 9.07%

  • Min SIP Investment Amt
  • ₹ ₹ 100
  • AUM (Cr.)
  • ₹ 426
  • 3Y Return
  • 8.97%

  • Min SIP Investment Amt
  • ₹ ₹ 100
  • AUM (Cr.)
  • ₹ 953
  • 3Y Return
  • 8.92%

  • Min SIP Investment Amt
  • ₹ ₹ 500
  • AUM (Cr.)
  • ₹ 1,983
  • 3Y Return
  • 8.85%

  • Min SIP Investment Amt
  • ₹ ₹ 500
  • AUM (Cr.)
  • ₹ 35
  • 3Y Return
  • 8.51%

  • Min SIP Investment Amt
  • ₹ ₹ 500
  • AUM (Cr.)
  • ₹ 51
  • 3Y Return
  • 8.29%

  • Min SIP Investment Amt
  • ₹ ₹ 500
  • AUM (Cr.)
  • ₹ 334
  • 3Y Return
  • 8.27%

  • Min SIP Investment Amt
  • ₹ ₹ 1000
  • AUM (Cr.)
  • ₹ 2,317
  • 3Y Return
  • 8.16%

Other Calculators

FAQs

It is the weighted average time until a bond’s cash flows are received. For these funds, it's between 4 to 7 years.

By evaluating historical returns, fund manager track record, expense ratio, and interest rate outlook.

Ideally for 4–7 years to reap maximum benefits and manage interest rate risk.

When interest rates are high or expected to fall. This helps capture capital appreciation.

They carry moderate risk due to interest rate sensitivity but lower credit risk if well-managed.

It depends on your financial goals, risk profile, and portfolio diversification needs. Consult a financial advisor for personalised advice.

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