{"id":241312,"date":"2026-09-10T14:10:36","date_gmt":"2026-09-10T08:40:36","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/"},"modified":"2026-09-10T14:10:36","modified_gmt":"2026-09-10T08:40:36","slug":"icici-pru-medium-to-long-term-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/","title":{"rendered":"ICICI Pru Medium to Long Term Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-medium-to-long-term-fund-g-direct-plan\">ICICI Pru Medium to Long Term Fund Direct Growth Plan<\/a> has a NAV of \u20b945.0076 as of 09 Sep 2026 and an AUM of \u20b92,048 Cr. Its 1-year, 3-year and 5-year returns are 5.36%, 7.34% and 6.4%, and the scheme sits in the Medium Risk category. Our view is that it suits investors who want a debt fund with moderate volatility and a steadier long-term profile rather than sharp short-term upside.<\/p>\n<p>The fund\u2019s longer horizon has been more stable than its near-term stretch, and the portfolio is anchored by government securities and select corporate debt. That mix supports a more conservative debt allocation, although the recent 1-year return is only slightly ahead of the benchmark while the 5-year figure remains modest.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_ICICI_Pru_Medium_to_Long_Term\" title=\"Should you BUY or HOLD ICICI Pru Medium to Long Term?\">Should you BUY or HOLD ICICI Pru Medium to Long Term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/#What_is_the_current_NAV_of_ICICI_Pru_Medium_to_Long_Term_Fund_Direct_Growth_Plan\" title=\"What is the current NAV of ICICI Pru Medium to Long Term Fund Direct Growth Plan?\">What is the current NAV of ICICI Pru Medium to Long Term Fund Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/#What_are_the_1-year_3-year_and_5-year_returns\" title=\"What are the 1-year, 3-year and 5-year returns?\">What are the 1-year, 3-year and 5-year returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/#How_has_the_fund_done_versus_its_benchmark\" title=\"How has the fund done versus its benchmark?\">How has the fund done versus its benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/#How_does_it_compare_with_peer_funds_on_available_return_data\" title=\"How does it compare with peer funds on available return data?\">How does it compare with peer funds on available return data?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/#What_is_the_minimum_SIP_amount\" title=\"What is the minimum SIP amount?\">What is the minimum SIP amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/#Who_manages_the_fund_and_what_is_the_exit_load\" title=\"Who manages the fund and what is the exit load?\">Who manages the fund and what is the exit load?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-medium-to-long-term-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b945.0076 as of 09 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b92,048 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.64%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>02 Jan 2013<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b91,000<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Medium Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Debt<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Manish Banthia, Ritesh Lunawat<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Manish Banthia and Ritesh Lunawat.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>-0.4%<\/td>\n<td>-4.69%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.78%<\/td>\n<td>0.93%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>5.36%<\/td>\n<td>-7.16%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>7.34%<\/td>\n<td>6%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>6.4%<\/td>\n<td>5.87%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The 1-month return was slightly negative, but it held up much better than the benchmark over the same stretch. Over 3 months, the fund improved more clearly than the benchmark, which points to a firmer near-term recovery.<\/p>\n<p>The 1-year figure is the clearest strength in the recent profile. The fund delivered a positive 5.36% return while the benchmark was negative, so the scheme has protected capital better over that period and has also added value relative to the benchmark.<\/p>\n<p>The longer view is steadier than explosive. The 3-year return of 7.34% is ahead of the benchmark\u2019s 6%, and the 5-year return of 6.4% is also modestly ahead of 5.87%, which suggests the fund has managed to compound at a calm pace rather than through large swings.<\/p>\n<p>The pattern across the periods is important. The short-term dip in 1 month did not break the broader recovery, and the 3-year and 5-year numbers indicate a fairly consistent debt-fund outcome. In our view, that makes the scheme more relevant for investors who value steadier participation than for those looking for fast return acceleration.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_ICICI_Pru_Medium_to_Long_Term\"><\/span>Should you BUY or HOLD ICICI Pru Medium to Long Term?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding ICICI Pru Medium to Long Term? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/franklin-india-medium-to-long-term-fund-g-direct-plan\">Franklin India Medium to Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.58%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-medium-to-long-term-fund-g-direct-plan\">ICICI Pru Medium to Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.36%<\/td>\n<td>7.34%<\/td>\n<td>6.4%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/lic-mf-medium-to-long-term-fund-g-direct-plan\">LIC MF Medium to Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.32%<\/td>\n<td>7.42%<\/td>\n<td>6.31%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/sbi-medium-to-long-term-fund-g-direct-plan\">SBI Medium to Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.23%<\/td>\n<td>7.03%<\/td>\n<td>6.26%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/kotak-medium-to-long-term-fund-g-direct-plan\">Kotak Medium to Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.22%<\/td>\n<td>7.27%<\/td>\n<td>6.22%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. On the 1-year measure, the fund is close to the stronger peer figures, though Franklin India Medium to Long Term Fund Direct Growth Plan is slightly ahead. The 3-year and 5-year numbers are also competitive, with the fund holding up well against the better long-term results in the group. The short-term picture and the longer-term picture point in the same direction: the scheme is broadly in line with the stronger peer set, but not clearly separated from it.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>7.34% Government Securities<\/td>\n<td>Government Securities<\/td>\n<td>8.95%<\/td>\n<\/tr>\n<tr>\n<td>6.9% Government Securities<\/td>\n<td>Government Securities<\/td>\n<td>6.56%<\/td>\n<\/tr>\n<tr>\n<td>TREPS<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>5.92%<\/td>\n<\/tr>\n<tr>\n<td>7.87% Summit Digitel Infrastructure Private Ltd. **<\/td>\n<td>Corporate Debt<\/td>\n<td>5.71%<\/td>\n<\/tr>\n<tr>\n<td>6.83% HDFC Bank Ltd. **<\/td>\n<td>Corporate Debt<\/td>\n<td>5.17%<\/td>\n<\/tr>\n<tr>\n<td>7.96% Pipeline Infrastructure Pvt Ltd. **<\/td>\n<td>Corporate Debt<\/td>\n<td>3.64%<\/td>\n<\/tr>\n<tr>\n<td>7.15% State Government of Maharashtra<\/td>\n<td>Government Securities<\/td>\n<td>3.44%<\/td>\n<\/tr>\n<tr>\n<td>7.16% State Government of Maharashtra<\/td>\n<td>Government Securities<\/td>\n<td>3.43%<\/td>\n<\/tr>\n<tr>\n<td>7.13% State Government of Maharashtra<\/td>\n<td>Government Securities<\/td>\n<td>3.34%<\/td>\n<\/tr>\n<tr>\n<td>7.53% NABARD<\/td>\n<td>Corporate Debt<\/td>\n<td>2.92%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding is 7.34% Government Securities at 8.95%, which is meaningful but not dominant on its own. The next few positions are also sizable, but the tenth holding is down to 2.92%, so the weight distribution eases gradually rather than dropping sharply after one or two names.<\/p>\n<p>The top 10 holdings account for approximately 49.08% of the portfolio, which suggests a balanced core rather than extreme concentration in a single security. At the same time, the disclosed portfolio includes 41 holdings, so the remaining positions may still matter for diversification even though they are not individually listed here.<\/p>\n<p>Because the portfolio leans heavily into government securities, cash equivalents and corporate debt, the fund may behave more predictably than a higher-beta debt strategy. That structure can help limit reliance on a few credit exposures, although the named corporate positions still give the portfolio some spread across issuers and instruments.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-medium-to-long-term-fund-g-direct-plan\">ICICI Pru Medium to Long Term Fund Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund fits investors who are comfortable with a Medium Risk debt allocation and want a portfolio that has been relatively steady across 3-year and 5-year windows. The 1-year return has remained positive, and the benchmark comparison shows the scheme has generally held its ground rather than lagging materially.<\/p>\n<p>The main trade-off is that the fund is unlikely to deliver dramatic upside, especially when compared with equity-oriented options. It can suit a longer holding period and a preference for calmer debt exposure, while still accepting that shorter stretches can move around a little.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load:<\/strong> No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_ICICI_Pru_Medium_to_Long_Term_Fund_Direct_Growth_Plan\"><\/span>What is the current NAV of ICICI Pru Medium to Long Term Fund Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b945.0076 as of 09 Sep 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_1-year_3-year_and_5-year_returns\"><\/span>What are the 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund\u2019s returns are 5.36% over 1 year, 7.34% over 3 years and 6.4% over 5 years.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_has_the_fund_done_versus_its_benchmark\"><\/span>How has the fund done versus its benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It has done better than the benchmark across the 1-month, 1-year, 3-year and 5-year periods shown here. The gap is most visible over 1 year, where the fund stayed positive while the benchmark was negative.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_it_compare_with_peer_funds_on_available_return_data\"><\/span>How does it compare with peer funds on available return data?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Its 1-year return of 5.36% is close to the peer group\u2019s stronger figures, though Franklin India Medium to Long Term Fund Direct Growth Plan is slightly higher at 5.58%. Its 3-year and 5-year returns are also competitive within the available set.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_minimum_SIP_amount\"><\/span>What is the minimum SIP amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The minimum SIP amount is \u20b91,000.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_manages_the_fund_and_what_is_the_exit_load\"><\/span>Who manages the fund and what is the exit load?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is managed by Manish Banthia and Ritesh Lunawat. The exit load is nil, so no exit load applies on sale.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund\u2019s recent performance is steadier than flashy, with the 1-year result staying positive and the 3-year and 5-year outcomes holding up slightly better than the benchmark. Against peers with available data, it remains broadly competitive without looking out of line in either the near term or the longer term.<\/p>\n<p>The risk profile is Medium Risk, and the portfolio leans toward government securities, cash equivalents and corporate debt. That makes it more suitable for investors who want measured debt exposure and can stay invested long enough for the smoother compounding pattern to matter.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 10 September 2026 at 2:09 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"ICICI Pru Medium to Long Term Fund Direct Growth Plan\",\"identifier\":\"icici-pru-medium-to-long-term-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"02 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":45.0076,\"valueReference\":\"as of 09 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"2048 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.64\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":5.36},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":7.34},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":6.4},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Manish Banthia, Ritesh Lunawat\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of ICICI Pru Medium to Long Term Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b945.0076 as of 09 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s returns are 5.36% over 1 year, 7.34% over 3 years and 6.4% over 5 years.\"}},{\"@type\":\"Question\",\"name\":\"How has the fund done versus its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has done better than the benchmark across the 1-month, 1-year, 3-year and 5-year periods shown here. The gap is most visible over 1 year, where the fund stayed positive while the benchmark was negative.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer funds on available return data?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return of 5.36% is close to the peer group\u2019s stronger figures, though Franklin India Medium to Long Term Fund Direct Growth Plan is slightly higher at 5.58%. Its 3-year and 5-year returns are also competitive within the available set.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b91,000.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Manish Banthia and Ritesh Lunawat. The exit load is nil, so no exit load applies on sale.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>ICICI Pru Medium to Long Term Fund Direct Growth Plan has a \u20b945.0076 NAV as of 09 Sep 2026, \u20b92,048 Cr AUM, 5.36% 1Y return and Medium Risk profile.<\/p>\n","protected":false},"author":38,"featured_media":241310,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-241312","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["241310"],"rank_math_title":["ICICI Pru Medium to Long Term Fund Review | NAV &amp; Returns"],"rank_math_description":["ICICI Pru Medium to Long Term Fund Direct Growth Plan NAV is \u20b945.0076. Returns are 5.36% (1Y), 7.34% (3Y) and 6.4% (5Y)."],"rank_math_focus_keyword":["ICICI Pru Medium to Long Term Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/ICICI_Pru_Medium_to_Long_Term_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/241312","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=241312"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/241312\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/241310"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=241312"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=241312"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=241312"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}