JM Medium to Long Duration Fund

Q: What are the returns of this mutual fund scheme?

The JM Medium to Long Duration Fund is a 30 yrs 10 m old fund and has delivered average annual returns of 6.26% since inception. JM Medium to Long Duration Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.29% 7.41% 4.66% 4.0% 6.26%

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹62.8901+0.08% 1 day change	6.26% p.a.	App exclusive #NA View Ranked Funds	₹31 Cr

Historical NAV & returns

NAV: ₹62.8901 as on Oct 20, 2025

This fund Category average

JM Medium to Long Duration Fund overview

AUM (Fund size)	₹31 Cr
Exit load	0%
Lock-in Period	Nil
Age	30 yrs 10 m since Dec 12, 1994
Benchmark	CRISIL Medium to Long Duration Debt A-III Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.09% as on Sep 30, 2025
Plan type	Regular
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

JM Medium to Long Duration Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Oct 25, 2025

Period	This fund	Category average
1 Month	0.45%	0.66%
3 Months	0.42%	0.45%
6 Months	1.54%	1.16%
1 Year	7.29%	6.45%
2 Years	8.09%	7.76%
3 Years	7.41%	7.18%
4 Years	5.42%	5.72%
5 Years	4.66%	5.25%
7 Years	3.91%	6.49%
10 Years	4.0%	6.25%

Asset allocationas on Sep 30, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

SOV 65.37773898%

AAA 22.79192473%

Cash & Call Money 11.54123804%

Others 0.2890982%

Top Debt Holdings

GOI 65.38%

Others 9.45%

REC Ltd. 8.22%

Bajaj Housing Finance Ltd. 8.01%

Allocation by Instruments

GOI Securities 65.37773898%

Debenture 16.232467489999998%

CBLO 9.45216545%

Bonds 6.55945724%

Other Holdings

Others 0.29%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
JM Medium to Long Duration Fund	0.45%	1.54%	7.29%	7.41%	4.66%	4.0%
SBI Magnum Income Fund	0.66%	1.34%	6.53%	7.52%	5.67%	7.39%
ICICI Prudential Bond Fund	0.94%	1.75%	7.62%	8.0%	5.82%	7.18%
LIC MF Medium to Long Duration Fund	0.59%	1.34%	6.83%	7.73%	5.15%	6.25%
Nippon India Medium to Long Duration Fund	0.83%	0.51%	5.68%	7.02%	4.95%	6.73%
Aditya Birla Sun Life Income Plus Arbitrage Active FoF	0.75%	2.83%	7.76%	7.49%	5.99%	6.81%

Fund name	Std. deviation	Beta	Sharpe	Sortino
JM Medium to Long Duration Fund	2.11	1.19	0.36	0.64
SBI Magnum Income Fund	1.96	1.15	0.41	0.59
ICICI Prudential Bond Fund	1.99	1.15	0.61	0.79
LIC MF Medium to Long Duration Fund	2.35	1.36	0.38	0.56
Nippon India Medium to Long Duration Fund	2.42	1.43	0.15	0.21
Aditya Birla Sun Life Income Plus Arbitrage Active FoF	1.17	N.A.	0.7	1.15

Fund name	ETM Rank	AUM	Fund age	Expense ratio
JM Medium to Long Duration Fund	N.A.	31 Cr	30 yrs 10 m	1.09%
SBI Magnum Income Fund	N.A.	2,162 Cr	27 yrs	1.5%
ICICI Prudential Bond Fund	N.A.	2,859 Cr	17 yrs 2 m	1.03%
LIC MF Medium to Long Duration Fund	N.A.	204 Cr	26 yrs 7 m	1.22%
Nippon India Medium to Long Duration Fund	N.A.	420 Cr	27 yrs 10 m	1.53%
Aditya Birla Sun Life Income Plus Arbitrage Active FoF	N.A.	1,274 Cr	18 yrs 10 m	0.28%

View all Medium To Long Duration funds

Key risk & return ratios Compared to other funds in the category

Alpha	-0.01 vs. 2.38 Underperformed at beating benchmark
Sharpe	0.36 vs. 1.91 Poor risk-adjusted returns
Beta	1.19 vs. 0.74 More sensitive to market's ups & downs
Standard deviation	2.11 vs. 2.02 More volatile performance

Compare JM Medium to Long Duration Fund in detail with

About this fund

About JM Medium to Long Duration Fund

JM Medium to Long Duration Fund is a Medium to Long Duration mutual fund scheme from Jm Financial Mutual Fund. This fund has been in existence for 30 yrs 10 m, having been launched on 12/12/1994. JM Medium to Long Duration Fund has ₹31 Crores worth of assets under management (AUM) as on 30/09/2025 and is small fund of its category. The latest Net Asset Value (NAV) of JM Medium to Long Duration Fund as of 20/10/2025 is ₹62.89. The fund has an expense ratio of 1.09%, which is higher than what most other Medium To Long Duration funds charge.

JM Medium to Long Duration Fund returns of last 1-year are 7.27%. Since launch, it has delivered 6.20% average annual returns. The fund has doubled the money invested in it every 14 yrs.
JM Medium to Long Duration Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is above average.
The fund's credit profile is high indicating it has lent to borrowers whose quality is great. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in GOI, REC Ltd., Bajaj Housing Finance Ltd., National Bank For Agriculture & Rural Development.

...

Fund AUM	31 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Naghma Khoja

She is B.Com, CA and CFA Before joining JM Financial AMC, she was associated with Karvy Capital Limited.

Ruchi Fozdar

Ms. Ruchi is a graduate in science and PGDBM in finance Prior to joining JM Mutual Fund, she was associated with few brokers and institutions like Reliance Life Insurance Co. Ltd. and Mahindra Manulife Mutual Fund

Killol Pandya

Mr. Pandya is a B.Com (H) from N.M College of Commerce, DPCM from ICFAI and MMS (Finance) from K.J. Somaiya Institute of Management Studies and Research. Prior to joining JM Financial Asset Management Limited he has worked with Barclays Securities India Private Ltd,Peerless Funds Management Co. Limited, LIC Nomura Mutual Fund AMC , Daiwa Asset Management (India) Pvt. Ltd., SBI Funds Management Pvt Ltd., IL&FS Investsmart Ltd. and Darashaw & Co. Pvt. Ltd.

Investment objective

The scheme seeks to provide high degree of liquidity, along with current income and capital preservation through a mix of debt and equity.

JM Financial Mutual Fund details

No. of schemes	16 view all schemes
Total AUM	14,902 Cr as on Sep 30, 2025
Address	Office B-8th Floor-Cnergy, Appasaheb Marathe Marg, Prabhadevi, Mumbai, 400025
Phone	022-33797777 / 1800-103-8345

More funds from JM Financial Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
JM Dynamic Bond Fund	N.A.	60 Cr	7.73%	7.4%
JM Low Duration Fund	N.A.	230 Cr	7.42%	7.09%
JM Short Duration Fund	N.A.	85 Cr	7.61%	6.94%
JM Liquid Fund	N.A.	1,621 Cr	6.59%	6.9%
JM Overnight Fund	N.A.	119 Cr	5.84%	6.3%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of JM Medium to Long Duration Fund?

The current Net Asset Value (NAV) of the JM Medium to Long Duration Fund plan is approximately ₹62.8901 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The JM Medium to Long Duration Fund is a 30 yrs 10 m old fund and has delivered average annual returns of 6.26% since inception.

JM Medium to Long Duration Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.29%	7.41%	4.66%	4.0%	6.26%

How much does this mutual fund charge as expense ratio?

The JM Medium to Long Duration Fund has an expense ratio of 1.09%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The JM Medium to Long Duration Fund currently has assets under management (AUM) or fund size valued at approximately 31 Cr as on Sep 30, 2025.

To whom does JM Medium to Long Duration Fund lend to?

The top 3 debt holdings of JM Medium to Long Duration Fund are as follows

Holding Name	Percentage of Portfolio
GOI	65.38%
Others	9.45%
REC Ltd.	8.22%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The JM Medium to Long Duration Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
SOV	65.37773898%
AAA	22.79192473%
Cash & Call Money	11.54123804%

What is risk level of JM Medium to Long Duration Fund?

This is a Medium To Long Duration fund comes with Moderate risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How can I redeem my investments in JM Medium to Long Duration Fund?

Redeeming your investments in the JM Medium to Long Duration Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Medium to Long Duration

#NA

Return Outperformance: This fund has generated highest return amongst Medium to Long Duration funds in the last 3 Years.
Exit Load: This fund has no exit load.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.