{"id":11715,"date":"2026-07-27T13:15:00","date_gmt":"2026-07-27T07:45:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=11715"},"modified":"2026-07-27T14:55:38","modified_gmt":"2026-07-27T09:25:38","slug":"top-5-low-cost-medium-to-long-duration-mutual-funds-that-delivered-strong-returns-does-expense-ratio-affect-performance","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/top-5-low-cost-medium-to-long-duration-mutual-funds-that-delivered-strong-returns-does-expense-ratio-affect-performance\/","title":{"rendered":"Top 5 Low-Cost Medium to Long Duration Mutual Funds That Delivered Strong Returns: Does Expense Ratio Affect Performance?"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis: <\/strong><em>A lower expense ratio can improve your mutual fund returns, but it doesn&#8217;t always guarantee the best performance. This article lists the top five low-cost medium to long duration debt mutual funds that outperformed their category average over the past three years.&nbsp;<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Debt mutual funds are often chosen for relatively stable returns, but the cost of investing matters too. One of the most important costs is the expense ratio, which can directly impact an investor&#8217;s net returns over time. Medium to long duration mutual funds invest primarily in bonds with Macaulay duration in between the range of 4 to 7 years. The ideal investor for these funds is one who has a medium to long-term investment target and desires to take advantage of any drop in interest rates while maintaining a relatively stable return.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2194005439\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-top-5-low-cost-medium-to-long-duration-mutual-funds-nbsp\" style=\"font-size:22px\"><strong>Top 5 Low-Cost Medium to Long Duration Mutual Funds&nbsp;<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-icici-prudential-diversified-debt-strategy-active-fof-nbsp\" style=\"font-size:18px\"><strong>1. <a href=\"https:\/\/groww.in\/mutual-funds\/icici-prudential-diversified-debt-strategy-active-fof-direct-growth\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">ICICI Prudential Diversified Debt Strategy Active FoF&nbsp;<\/a><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NAV:<\/strong> \u20b949.68<\/li>\n\n\n\n<li><strong>AUM: <\/strong>\u20b9105.17 Cr<\/li>\n\n\n\n<li><strong>Expense Ratio:<\/strong> 0.42%<\/li>\n\n\n\n<li><strong>Exit Load:<\/strong> 0.25% (within 15 days)<\/li>\n\n\n\n<li><strong>Performance Snapshot<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 7.44%<\/li>\n\n\n\n<li>3-Year Absolute Return: 24.0%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Category Comparison (3-Year)<\/strong>\n<ul class=\"wp-block-list\">\n<li>Fund 3-Year CAGR: 7.44%<\/li>\n\n\n\n<li>Debt medium to long duration Category Average: 6.8%<\/li>\n\n\n\n<li>Outperformance: <strong>+0.64 <\/strong>percentage points<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-lic-mf-medium-to-long-duration-fund\" style=\"font-size:18px\"><strong>2. <a href=\"https:\/\/groww.in\/mutual-funds\/lic-mf-medium-to-long-duration-fund-direct-growth\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">LIC MF Medium to Long Duration Fund<\/a><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NAV:<\/strong> \u20b981.95<\/li>\n\n\n\n<li><strong>AUM:<\/strong> \u20b9176.67 Cr<\/li>\n\n\n\n<li><strong>Expense Ratio:<\/strong> 0.21%<\/li>\n\n\n\n<li><strong>Exit Load:<\/strong> 0.25% (within 15 days)<\/li>\n\n\n\n<li><strong>Performance Snapshot<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 7.41%<\/li>\n\n\n\n<li>3-Year Absolute Return: 24.0%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Category Comparison (3-Year)<\/strong>\n<ul class=\"wp-block-list\">\n<li>Fund 3-Year CAGR: 7.41%<\/li>\n\n\n\n<li>Debt medium to long duration Category Average: 6.8%<\/li>\n\n\n\n<li>Outperformance: <strong>+0.61 <\/strong>percentage points<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-icici-prudential-bond-fund\" style=\"font-size:18px\"><strong>3. <a href=\"https:\/\/groww.in\/mutual-funds\/icici-prudential-i-come-opportunities-fund-direct-growth\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">ICICI Prudential Bond Fund<\/a><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NAV: \u20b944.87<\/li>\n\n\n\n<li>AUM: \u20b92,002.23 Cr<\/li>\n\n\n\n<li>Expense Ratio: 0.54%<\/li>\n\n\n\n<li>Exit Load: Nil<\/li>\n\n\n\n<li><strong>Performance Snapshot<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 7.40%<\/li>\n\n\n\n<li>3-Year Absolute Return: 23.9%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Category Comparison (3-Year)<\/strong>\n<ul class=\"wp-block-list\">\n<li>Fund 3-Year CAGR: 7.40%<\/li>\n\n\n\n<li>Debt medium to long duration Category Average: 6.8%<\/li>\n\n\n\n<li>Outperformance: <strong>+0.60 <\/strong>percentage points<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-kotak-bond-fund-nbsp\" style=\"font-size:18px\"><strong>4. <a href=\"https:\/\/groww.in\/mutual-funds\/kotak-bond-scheme-direct-growth\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Kotak Bond Fund&nbsp;<\/a><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NAV: \u20b990.54<\/li>\n\n\n\n<li>AUM: \u20b91,806.60 Cr<\/li>\n\n\n\n<li>Expense Ratio: 0.74%<\/li>\n\n\n\n<li>Exit Load: Nil<\/li>\n\n\n\n<li><strong>Performance Snapshot<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 7.26%<\/li>\n\n\n\n<li>3-Year Absolute Return: 23.4%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Category Comparison (3-Year)<\/strong>\n<ul class=\"wp-block-list\">\n<li>Fund 3-Year CAGR:&nbsp; 7.26%<\/li>\n\n\n\n<li>Debt medium to long duration Category Average: 6.8%<\/li>\n\n\n\n<li>Outperformance: <strong>+0.46 <\/strong>percentage points<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-sbi-medium-to-long-duration-fund\" style=\"font-size:18px\"><strong>5. <a href=\"https:\/\/groww.in\/mutual-funds\/sbi-medium-to-long-duration-fund-direct-growth\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">SBI Medium to Long Duration Fund<\/a><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NAV: \u20b980.07<\/li>\n\n\n\n<li>AUM: \u20b92,054.73 Cr<\/li>\n\n\n\n<li>Expense Ratio: 0.78%<\/li>\n\n\n\n<li>Exit Load: 1% (within 1 year)<\/li>\n\n\n\n<li><strong>Performance Snapshot<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 7.05%<\/li>\n\n\n\n<li>3-Year Absolute Return: 22.7%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Category Comparison (3-Year)<\/strong>\n<ul class=\"wp-block-list\">\n<li>Fund 3-Year CAGR: 7.05%<\/li>\n\n\n\n<li>Debt medium to long duration Category Average: 6.8%<\/li>\n\n\n\n<li>Outperformance: <strong>+0.25 <\/strong>percentage points<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p><strong>Note:<\/strong> NAV, AUM, expense ratio and exit load data are sourced from Groww. Data is as of 24th July 2026.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/itr-filing-2026-fixed-deposit-interest-is-fully-taxable-heres-how-to-report-it-without-mistakes\/\" target=\"_blank\" rel=\"noreferrer noopener\">ITR Filing 2026: Fixed Deposit Interest Is Fully Taxable &#8211; Here&#8217;s How to Report It Without Mistakes<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-does-an-expense-ratio-matter\" style=\"font-size:22px\"><strong>How Much Does an Expense Ratio Matter?<\/strong><\/h2>\n\n\n\n<p>Even a small difference in the expense ratio can affect long-term returns. Lower annual costs help more of your investment stay invested and compound over time.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-illustrative-example-how-expense-ratio-impacts-returns-nbsp\" style=\"font-size:18px\"><strong>Illustrative Example: How Expense Ratio Impacts Returns&nbsp;<\/strong><\/h3>\n\n\n<div id=\"footable_parent_11719\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"11719\" data-filter-delay=\"1000\" aria-label=\"Finance - Sheet1 (3).csv\"            id=\"footable_11719\"\n           data-unique_identifier=\"ninja_table_unique_id_2916074187_11719\"\n           class=\" foo-table ninja_footable foo_table_11719 ninja_table_unique_id_2916074187_11719 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<p><strong>Note: <\/strong>This is a simplified example to show how expense ratios can affect long-term returns. Actual mutual fund returns already account for expenses and may differ based on market performance and the fund&#8217;s investment strategy.&nbsp;<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2837718838\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-4023722985638610\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- Trade Brains  - Money InCon -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-4023722985638610\"\r\n     data-ad-slot=\"2055721573\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-takeaways\" style=\"font-size:22px\"><strong>Key takeaways<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>All five funds outperformed the medium to long duration debt fund category average over the last three years.<\/li>\n\n\n\n<li><strong>ICICI Prudential Diversified Debt Strategy Active FoF<\/strong> delivered the highest <strong>3-year CAGR of 7.44%<\/strong>, while <strong>LIC MF Medium to Long Duration Fund<\/strong> had the lowest expense ratio at <strong>0.21%.<\/strong><\/li>\n\n\n\n<li>Although low expenses can improve long-term performance, but it doesn&#8217;t necessarily mean a high performing fund.<\/li>\n\n\n\n<li>Apart from expense ratio, other aspects like quality of the portfolio, interest rate strategy, and fund management also influence returns.<\/li>\n\n\n\n<li>While selecting debt mutual funds, consider their performance, risk, and expense ratio.<\/li>\n<\/ul>\n\n\n\n<p><strong><em>Disclaimer: <\/em><\/strong><em>The information provided in this article is for educational purposes only and should not be construed as financial advice or investment recommendation. Returns mentioned are based on historical performance and may not be sustained in the future. Mutual fund investments are subject to market risks, including potential loss of capital. Investors are advised to assess their risk appetite and financial goals and to consult a certified financial advisor before investing.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: A lower expense ratio can improve your mutual fund returns, but it doesn&#8217;t always guarantee the best performance. This article lists the top five low-cost medium to long duration debt mutual funds that outperformed their category average over the past three years.&nbsp; Debt mutual funds are often chosen for relatively stable returns, but the [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":930,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[7,14],"tags":[],"ppma_author":[3332],"class_list":["post-11715","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds","category-trending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top 5 Low-Cost Medium to Long Duration Mutual Funds That Delivered Strong Returns: Does Expense Ratio Affect Performance?<\/title>\n<meta name=\"description\" content=\"A lower expense ratio can improve your mutual fund returns, but it doesn&#039;t always guarantee the best performance. 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