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Product scoring may vary based on gender, age, policy tenure and sum assured.
Gender
Male
Age Group
The lowest age in the selected range is considered for price evaluation (e.g., 25 - 29)
30 - 34
Sum Assured
₹ 1Cr
Debt • Medium to Long Duration • CRISIL Medium to Long Term Debt Index
LIC MF Medium to Long Duration Bond Fund(G)-Direct Plan
1 Finance Rank:
05
051 Finance Score:
74100
Yield To Maturity Score
88
Quality & Diversification Score
68
Standard Deviation Score
85
Modified Duration Score
92
AUM Score
38
Historical Performance score
68
1 Finance Research updated as on March 2026 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 189 Cr(As on 31-Mar-2026)NAV
₹ 80.0626(As on 26-May-2026)Expense Ratio
0.21%(As on 31-Mar-2026)Investment Horizon
5 to 7 years
05
Debt • Medium to Long Duration • CRISIL Medium to Long Term Debt Index
LIC MF Medium to Long Duration Bond Fund(G)-Direct Plan
This fund ranks 5th out of 13 funds in its category.
AUM₹ 189 Cr(As on 31-Mar-2026)
NAV₹ 80.0626(As on 26-May-2026)
Expense Ratio0.21%(As on 31-Mar-2026)
Investment Horizon5 to 7 years
1 Finance Score: 74/100
Yield To Maturity Score
88
Quality & Diversification Score
68
Standard Deviation Score
85
Modified Duration Score
92
AUM Score
38
Historical Performance score
68
Fundamental Ratios
Modified Duration
7.37 yearsAverage Maturity
10.72 yearsYield To Maturity
7.37%Standard Deviation
-Portfolio summary
Asset Allocation
Debt
Others
94.81%
5.19%
Credit Rating
SOV
58.84%
AAA
28.44%
Cash Eqv.
4.88%
Others
0.00%
AA
0.00%
Debt Sector Allocation
G-Sec
58.84%
Bank
21.20%
Finance
9.46%
Power
5.30%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| 07.26% GOI - 06-Feb-2033 | 13.35% |
| 07.77% Gujarat SDL - 01-Jun-2031 | 13.00% |
| 07.70% Maharashtra SDL - 08-Mar-2033 | 10.50% |
| 07.10% GOI - 08-Apr-2034 | 10.48% |
| 07.41% GOI - 19-Dec-2036 | 7.87% |
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
Pros and Cons
Pros
Potential for higher returns as the fund maintains a high Net Yield to Maturity (YTM).
The fund demonstrates a low level of volatility as the standard deviation is low.
Relatively low modified duration indicates lower sensitivity to interest rate changes, suggesting lower risk.
Cons
Low AUM may result in limited portfolio diversification.
Should you invest?
Invest if you are :
- Investors having a 5 to 7 years of investment horizon but wants to avoid equity market risk can invest in this fund.
- Investing should be considered when interest rates in the economy are expected to remain stable or fall.
Avoid if you are :
- Short term investors and those who take very low risks should avoid this fund.
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Taxation
If bought before April 1, 2023
- Less than or equal to 24 months: Short-Term Capital Gains (STCG) are taxed as per your applicable income tax slab.
- More than 24 months: Long-Term Capital Gains (LTCG) are taxed at 12.5% on gains.
If bought after April 1, 2023
- Taxed at applicable slab rates.
Scheme Details
Scheme Objective
- LIC Nomura MF Bond Fund is an open-ended debt Scheme which will endeavor to generate attractive returns for its investors by investing in a portfolio of quality debt securities and money market instruments.
Exit Load
- 0.25% on or before 15D, Nil after 15D
Minimum investment amount
Lumpsum
₹ 5000 (open for subscription)
Other details
Founded In2013
Email AddressLICMF.customercare@kfintech.com
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Pratik Shroff | 2.2 | 8 |
About LIC MF
- Established in April 1989, LIC Mutual Fund is an affiliate of Life Insurance Corporation of India, primarily focusing on investment solutions across equity and hybrid schemes while emphasizing large-cap and diversified investments guided by core values of discipline, integrity, and long-term wealth creation.
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Frequently Asked Questions
Are debt funds risk-free?
No, debt funds aren’t entirely risk-free. They may be less volatile than equities, but carry risks like changing interest rates, credit, liquidity, concentration, and prepayment. Hence, as an investor, it is crucial you personalise your portfolio based on your financial personality, which includes your risk comfort and time horizon of your financial goals.
Is a higher yield-to-maturity (YTM) always better?
Not necessarily in every case. A higher yield-to-maturity (YTM) often implies a bond having lower credit ratings, possessing higher default risk. You must weigh YTM against your portfolio quality and your time horizon.
What’s best for an emergency fund?
An emergency fund requires saving 3-6 months of expenses, meaning planning for short-term goals. While debt funds like overnight or liquid funds are usually the preferred options due to their strong liquidity benefits, it is imperative for you to choose a fund that aligns with your financial personality.
Who can invest in debt funds?
Debt funds are suitable for investors who prefer easy liquidity, want low-risk investments, or aim for capital preservation.
Are debt funds better than equity funds?
A mutual fund scheme is designed with a specific purpose. Equity funds are for capital appreciation, while debt funds focus on capital preservation. It depends entirely on your personal finance goals, risk tolerance, and investment horizon. Choosing between debt and equity funds must align with what you want to achieve financially.
Disclaimer
The Information in the scoring and ranking model is provided solely for general information and educational purposes and shall not constitute any advice or recommendation. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more