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Long Duration Fund

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Fund Name
Franklin India Medium to Long Duration Fund-Dir (G)
Franklin India Medium to Long Duration Fund-Dir (G)

Medium to Long Duration Fund | Debt

7.32%₹5,000₹51.41Invest
LIC MF Medium to Long Duration Fund-Dir (G)
LIC MF Medium to Long Duration Fund-Dir (G)

Medium to Long Duration Fund | Debt

7.21%₹5,000₹200.98Invest
JM Medium to Long Duration Fund - Direct (G)
JM Medium to Long Duration Fund - Direct (G)

Medium to Long Duration Fund | Debt

6.98%₹1,000₹30.96Invest
SBI Magnum Income Fund - Direct (G)
SBI Magnum Income Fund - Direct (G)

Medium to Long Duration Fund | Debt

6.55%₹5,000₹2,169.23Invest
HSBC Medium to Long Duration Fund - Direct (G)
HSBC Medium to Long Duration Fund - Direct (G)

Medium to Long Duration Fund | Debt

6.22%₹5,000₹48.61Invest
UTI-Medium to Long Duration Fund - Direct (G)
UTI-Medium to Long Duration Fund - Direct (G)

Medium to Long Duration Fund | Debt

6.02%₹500₹315.24Invest
HDFC Income Fund - Direct (G)
HDFC Income Fund - Direct (G)

Medium to Long Duration Fund | Debt

5.96%₹100₹913.56Invest
Aditya Birla SL Income Fund - Dir (G)
Aditya Birla SL Income Fund - Dir (G)

Medium to Long Duration Fund | Debt

5.44%₹5,000₹2,172.04Invest
Nippon India Medium to Long Duration Fund - Dir (G)
Nippon India Medium to Long Duration Fund - Dir (G)

Medium to Long Duration Fund | Debt

5.31%₹5,000₹424.26Invest
Canara Robeco Income Fund - Direct (Growth)
Canara Robeco Income Fund - Direct (Growth)

Medium to Long Duration Fund | Debt

5.28%₹5,000₹121.67Invest
Aditya Birla SL Long Duration Fund - Direct (G)
Aditya Birla SL Long Duration Fund - Direct (G)

Long Duration Fund | Debt

4.81%₹100₹158.04Invest
Nippon India Nivesh Lakshya Long Duration Fund - Dir (G)
Nippon India Nivesh Lakshya Long Duration Fund - Dir (G)

Long Duration Fund | Debt

4.15%₹5,000₹9,515.10Invest
SBI Long Duration Fund - Direct (G)
SBI Long Duration Fund - Direct (G)

Long Duration Fund | Debt

3.08%₹5,000₹2,287.65Invest
Bandhan Long Duration Fund - Direct (G)
Bandhan Long Duration Fund - Direct (G)

Long Duration Fund | Debt

2.54%₹1,000₹140.26Invest
HDFC Long Duration Debt Fund - Direct (G)
HDFC Long Duration Debt Fund - Direct (G)

Long Duration Fund | Debt

2.14%₹100₹5,247.06Invest
Kotak Long Duration Fund - Direct (G)
Kotak Long Duration Fund - Direct (G)

Long Duration Fund | Debt

1.93%₹100₹141.05Invest
AXIS Long Duration Fund - Direct (G)
AXIS Long Duration Fund - Direct (G)

Long Duration Fund | Debt

1.85%₹5,000₹291.36Invest
UTI-Long Duration Fund - Direct (G)
UTI-Long Duration Fund - Direct (G)

Long Duration Fund | Debt

1.28%₹5,000₹98.14Invest
Mirae Asset Long Duration Fund - Direct (G)
Mirae Asset Long Duration Fund - Direct (G)

Long Duration Fund | Debt

2.83%₹5,000₹30.02Invest
Franklin India Long Duration Fund - Direct (G)
Franklin India Long Duration Fund - Direct (G)

Long Duration Fund | Debt

5.17%₹5,000₹25.33Invest
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Franklin India Medium to Long Duration Fund-Dir (G)

Franklin India Medium to Long Duration Fund-Dir (G)

Equity | Medium to Long Duration Fund

1Y returns

7.32%

Min. Invest

₹5,000

AUM

₹51.41 Cr

LIC MF Medium to Long Duration Fund-Dir (G)

LIC MF Medium to Long Duration Fund-Dir (G)

Equity | Medium to Long Duration Fund

1Y returns

7.21%

Min. Invest

₹5,000

AUM

₹200.98 Cr

JM Medium to Long Duration Fund - Direct (G)

JM Medium to Long Duration Fund - Direct (G)

Equity | Medium to Long Duration Fund

1Y returns

6.98%

Min. Invest

₹1,000

AUM

₹30.96 Cr

SBI Magnum Income Fund - Direct (G)

SBI Magnum Income Fund - Direct (G)

Equity | Medium to Long Duration Fund

1Y returns

6.55%

Min. Invest

₹5,000

AUM

₹2,169.23 Cr

HSBC Medium to Long Duration Fund - Direct (G)

HSBC Medium to Long Duration Fund - Direct (G)

Equity | Medium to Long Duration Fund

1Y returns

6.22%

Min. Invest

₹5,000

AUM

₹48.61 Cr

UTI-Medium to Long Duration Fund - Direct (G)

UTI-Medium to Long Duration Fund - Direct (G)

Equity | Medium to Long Duration Fund

1Y returns

6.02%

Min. Invest

₹500

AUM

₹315.24 Cr

HDFC Income Fund - Direct (G)

HDFC Income Fund - Direct (G)

Equity | Medium to Long Duration Fund

1Y returns

5.96%

Min. Invest

₹100

AUM

₹913.56 Cr

Aditya Birla SL Income Fund - Dir (G)

Aditya Birla SL Income Fund - Dir (G)

Equity | Medium to Long Duration Fund

1Y returns

5.44%

Min. Invest

₹5,000

AUM

₹2,172.04 Cr

Nippon India Medium to Long Duration Fund - Dir (G)

Nippon India Medium to Long Duration Fund - Dir (G)

Equity | Medium to Long Duration Fund

1Y returns

5.31%

Min. Invest

₹5,000

AUM

₹424.26 Cr

Canara Robeco Income Fund - Direct (Growth)

Canara Robeco Income Fund - Direct (Growth)

Equity | Medium to Long Duration Fund

1Y returns

5.28%

Min. Invest

₹5,000

AUM

₹121.67 Cr

Aditya Birla SL Long Duration Fund - Direct (G)

Aditya Birla SL Long Duration Fund - Direct (G)

Equity | Long Duration Fund

1Y returns

4.81%

Min. Invest

₹100

AUM

₹158.04 Cr

Nippon India Nivesh Lakshya Long Duration Fund - Dir (G)

Nippon India Nivesh Lakshya Long Duration Fund - Dir (G)

Equity | Long Duration Fund

1Y returns

4.15%

Min. Invest

₹5,000

AUM

₹9,515.10 Cr

SBI Long Duration Fund - Direct (G)

SBI Long Duration Fund - Direct (G)

Equity | Long Duration Fund

1Y returns

3.08%

Min. Invest

₹5,000

AUM

₹2,287.65 Cr

Bandhan Long Duration Fund - Direct (G)

Bandhan Long Duration Fund - Direct (G)

Equity | Long Duration Fund

1Y returns

2.54%

Min. Invest

₹1,000

AUM

₹140.26 Cr

HDFC Long Duration Debt Fund - Direct (G)

HDFC Long Duration Debt Fund - Direct (G)

Equity | Long Duration Fund

1Y returns

2.14%

Min. Invest

₹100

AUM

₹5,247.06 Cr

Kotak Long Duration Fund - Direct (G)

Kotak Long Duration Fund - Direct (G)

Equity | Long Duration Fund

1Y returns

1.93%

Min. Invest

₹100

AUM

₹141.05 Cr

AXIS Long Duration Fund - Direct (G)

AXIS Long Duration Fund - Direct (G)

Equity | Long Duration Fund

1Y returns

1.85%

Min. Invest

₹5,000

AUM

₹291.36 Cr

UTI-Long Duration Fund - Direct (G)

UTI-Long Duration Fund - Direct (G)

Equity | Long Duration Fund

1Y returns

1.28%

Min. Invest

₹5,000

AUM

₹98.14 Cr

Mirae Asset Long Duration Fund - Direct (G)

Mirae Asset Long Duration Fund - Direct (G)

Equity | Long Duration Fund

1Y returns

%

Min. Invest

₹5,000

AUM

₹30.02 Cr

Franklin India Long Duration Fund - Direct (G)

Franklin India Long Duration Fund - Direct (G)

Equity | Long Duration Fund

1Y returns

%

Min. Invest

₹5,000

AUM

₹25.33 Cr

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What are Long Duration Funds?

They are mutual funds that invest in debt securities and money market instruments with long maturity periods, typically over 7 years. These funds aim to provide higher returns by taking advantage of long-term interest rate movements. However, they are more sensitive to interest rate changes, making them riskier than short-term funds. So, long duration mutual funds are suitable for investors with a long-term investment horizon seeking stable income.

Characteristics of Long Term Funds

Knowing the characteristics helps investors seek stability and growth. These funds typically offer higher returns, lower volatility, and tax benefits, making them suitable for achieving long-term financial goals and building wealth over time. Here are the points you need to note: 
  • Long Maturity: They typically invest in debt securities with maturities over 7 years.
  • Higher Returns: These funds aim for higher returns by leveraging long-term interest rate movements. 
  • Interest Rate Sensitivity: This means it is more sensitive to interest rate changes, increasing risk.
  • Stable Income: This makes it best suitable for long-term investors seeking stable income over time.


How do Long Term Mutual Funds Work?

These funds invest in debt securities with long maturities, typically over 7 years. Fund managers select a high-quality bond fund and money market instruments to build the portfolio. Long duration funds aim to benefit from long-term interest rate movements, offering potentially higher returns. However, they are more sensitive to interest rate changes, which can increase risk.

Why Invest in Long Duration Mutual Funds?

Investing in these types of mutual funds can be beneficial because they offer the potential for higher returns over time. Long duration mutual funds invest in long-term securities, which can grow significantly as interest rates fluctuate. Target date funds are usually ideal for long-term goals like retirement or education savings, providing stability and high growth potential. You can also diversify your portfolio and reduce overall risk if you invest in long duration funds.

Who should invest in Long Term Mutual Funds?

Knowing who should invest in this fund is vital to ensure suitability for individuals with extended financial horizons and growth objectives. It aids in aligning investment choices with long-term wealth-building goals effectively.
  • Long-Term Goals: They are ideal for those saving for retirement, children’s education, or other long-term objectives.
  • Risk Tolerance: Suitable for investors who can handle stock market ups and downs over time.
  • Patience: Best for individuals who can stay invested for several years without needing immediate returns.
  • Diversification: Great for those who want a diversified portfolio with a mix of stocks and bonds.


Important Considerations for Long-Term Mutual Fund Investments

Knowing the important considerations for these investments is crucial for building wealth sustainably. This understanding helps in evaluating fund performance and aligning investments with future financial goals and retirement plans. As an investor, here are some key factors you need to consider to invest in long term funds.
  • Investment Goals: You need to ensure the fund aligns with your long-term financial goals, like retirement or education savings.
  • Risk Tolerance: You need to understand your risk tolerance and choose funds that match your comfort level with market fluctuations.
  • Fund Performance: You need to look at the fund’s historical performance and compare it to benchmarks. This can help you gauge its potential when you invest in mutual funds.
  • Fees and Expenses: You need to be mindful of expense ratios and other mutual fund fees, as these can impact your long-term returns.


What Are The Risks Involved with Long Term Mutual Fund Schemes?

Understanding the risks involved is vital, as it reveals potential market fluctuations and inflation impacts. This knowledge helps in setting realistic expectations, balancing portfolios, and meeting long-term financial goals.
  • Market Risk: The value of investments can fluctuate due to changes in stock mutual funds.
  • Interest Rate Risk: When interest rates rise, the value of bonds in the fund can decrease.
  • Credit Risk: There is a chance that bond issuers might default on their payments, affecting the fund’s value.
  • Inflation Risk: Over time, inflation can reduce the purchasing power of your returns, impacting your long-term gains.


Tax Guidelines of Long Term Mutual Funds

Gains from an equity fund are tax free, up to 1 lakh per year. Any amount above 1 lakh is taxed at 10%. For debt funds, gains are taxed at 20 percent with indexation benefits.

FAQ’s

Can you sell long term mutual funds at any time?
Yes, you can generally sell long term funds at any time since they are usually open-ended investments. However, keep in mind that some funds may charge an exit load (a small fee) if you sell before a specific period, typically 1-3 years. It is best to check your fund's specific rules before the share of a mutual fund.
Are long term mutual funds risky?
Yes, these long term funds carry moderate to high risk. They are sensitive to interest rate changes. When rates go up, these funds can lose value. They also face risks from the credit quality of bonds and market conditions. However, if held for a long time (5+ years), they can potentially give good returns.
Who Are These Funds Suited For?
These mutual funds are best suited for patient investors who can stay invested for 5+ years and handle some ups and downs in their investment value. They are good for people who want higher returns than regular fixed deposits and don't need their money quickly. They also work well for retirement planning.
What returns can I expect with the best long term mutual funds investment?
Long duration mutual funds typically invest in long-term bonds. Returns can vary based on interest rates and market conditions. Generally, these funds may offer higher yields than short-term investments. But they are also more sensitive to interest rate changes. This means there is potential for higher returns but also a higher risk of losses.
Can long term mutual funds lose money?
Yes, long term funds can lose money. When interest rates rise, the bond prices can fall. This can cause losses. These funds are especially sensitive to rate changes due to their long-term focus. Market conditions and economic factors can also impact their performance negatively.
Where do Long Duration Funds invest?
These funds mainly invest in long-term bonds, typically those maturing in 10 years or more. These can include government bonds, corporate bonds, and sometimes mortgage-backed securities. They focus on debt instruments with longer maturity periods to potentially earn higher yields.
What is the taxation on long term mutual funds return?
Long duration funds returns are typically taxed as capital gains. If held for over a year, profits are taxed at long-term capital gains rates, which are usually lower than regular income tax rates. Short-term gains (under a year) are taxed as ordinary income.
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