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Two Medium to long duration funds side by side: returns, costs, size, risk and how much their portfolios overlap.
HDFC Medium to Long Term Fund vs Kotak Medium to Long Term Fund, as of 9 Nov 2026: HDFC Medium to Long Term Fund NAV ₹67.35, 3Y CAGR 6.7%, expense ratio 0.80%; Kotak Medium to Long Term Fund NAV ₹91.09, 3Y CAGR 7.0%, expense ratio 0.74%; about 17% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| HDFC Medium to Long Term Fund Direct Growth | Kotak Medium to Long Term Fund Direct Growth | |
|---|---|---|
| Category | Medium to long duration | Medium to long duration |
| Fund house | HDFC Mutual Fund | Kotak Mahindra Mutual Fund |
| Plan | Direct Plan · Growth Option | Direct Plan · Growth |
| NAV | ₹67.35 (9 Nov 2026) | ₹91.09 (9 Nov 2026) |
| 1Y return | 3.5% | 4.3% |
| 3Y CAGR | 6.7% | 7.0% |
| 5Y CAGR | 5.7% | 6.1% |
| Since launch (CAGR) | 7.0% | 7.5% |
| Expense ratio | 0.80% | 0.74% |
| AUM | ₹805 cr | ₹1,758 cr |
| Risk-o-meter | Moderate | Moderate |
| Benchmark | CRISIL Medium to Long Duration Debt A-III Index | CRISIL Medium to Long Duration Debt A-III Index |
| Minimum SIP | ₹100 | ₹100 |
| Holdings | 32 | 40 |
| Top 10 holdings weight | 51.1% | 68.6% |
| Portfolio overlap | About 17% by weight, from the latest disclosed holdings | |
Returns are point-to-point for each plan, after its expense ratio; periods over one year are CAGR. Past performance is not indicative of future results.
Open in the compare tool: growth charts, SIP outcomes and shared holdings →Kotak Medium to Long Term Fund has the higher 5-year CAGR (as of 9 Nov 2026): HDFC Medium to Long Term Fund 5.7% a year vs Kotak Medium to Long Term Fund 6.1% a year. Past performance is not indicative of future results.
Kotak Medium to Long Term Fund costs less: HDFC Medium to Long Term Fund charges 0.80% a year and Kotak Medium to Long Term Fund 0.74% a year.
Kotak Medium to Long Term Fund is larger: HDFC Medium to Long Term Fund manages ₹805 cr and Kotak Medium to Long Term Fund ₹1,758 cr (as of 9 Nov 2026).
About 17% of their portfolios overlap by weight (the smaller weight of each common holding, summed), from the latest disclosed holdings.
Both are rated "Moderate" on SEBI's risk-o-meter.
We don't give recommendations. Jivani Markets is not a SEBI-registered investment adviser or research analyst. Whether a fund suits you depends on your goals, horizon and risk appetite; speak to a SEBI-registered investment adviser or an AMFI-registered mutual fund distributor before investing.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future results.
Returns are for Direct plans, after expenses (TER is already in the NAV). Research, not advice: we do not say a fund suits you. Disclaimer