ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF vs JM Medium to Long Term Fund
Direct Plan where a fund has one, Growth option · Data as on 30-10-2026
ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF is a mutual fund and JM Medium to Long Term Fund is a Medium to Long Duration fund. In the 3 years to 30-10-2026, ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF returned 7.1% a year and JM Medium to Long Term Fund (Direct) returned 6.3% a year. ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF charges 0.20% a year and JM Medium to Long Term Fund 0.60%. Their portfolios overlap 13.5%: they hold 1 of the same security.
ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF
- 3 year return
- 7.1%
- Expense ratio
- 0.20%
- NAV
- ₹65.44
JM Medium to Long Term Fund
Medium to Long Duration
- 3 year return
- 6.3%
- Expense ratio
- 0.60%
- NAV
- ₹71.35
Which is better, ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF or JM Medium to Long Term? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF returned more over 3 years: 7.1% a year against 6.3%.
- ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF returned more over 1 year: 3.2% against 1.8%.
- ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF costs less: 0.20% a year against 0.60%.
- ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF swung less over 3 years: a standard deviation of 1.9% a year against 2.0%.
- ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF fell less in its worst fall since 08-03-2022: −3.0% against −3.2%.
- JM Medium to Long Term is the larger fund: ₹29 Cr against ₹21 Cr.
- Their portfolios overlap 13.5%: 1 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF | JM Medium to Long Term Fund |
|---|---|---|
| Fund house | ICICI Prudential Mutual Fund | JM Financial Mutual Fund |
| Category | Not available | Medium to Long Duration |
| AUM | ₹21 Cr (30-09-2026) | ₹29 Cr (30-09-2026) |
| NAV | ₹65.44 | ₹71.35 (Direct) |
| Expense ratio (Direct) | Not available | 0.60% |
| Expense ratio (Regular) | Not available | 1.03% |
| Riskometer | Not available | Moderate |
| Benchmark | Not available | CRISIL Medium to Long Duration Debt A-III Index |
| Launch date | Not available | 01-04-1995 |
| Minimum investment | Not available | ₹1,000 |
| Lock in | Not available | None |
| Fund managers | Not available | Killol Pandya, Ruchi Fozdar, Jayant Dhoot |
| Exit load | Not available | Nil |
ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF vs JM Medium to Long Term: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF | −0.63% | −1.15% | +1.63% | +3.16% | +7.14% | -- | -- |
| JM Medium to Long Term Fund (Direct) | −0.70% | −1.30% | +0.95% | +1.77% | +6.28% | +5.14% | +4.44% |
| Medium to Long Duration average | −0.59% | −0.88% | +1.83% | +2.86% | +6.52% | +5.71% | +6.19% |
Category average: the average of the 13 Medium to Long Duration funds, same plan type.
ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF vs JM Medium to Long Term: Year-wise Returns
| Year | ICICI Prudential Nifty 5 yr Benchmark G-SEC ETFICICI Prudential Nifty 5 yr Benchmark G-SEC ETF | JM Medium to Long TermJM Medium to Long Term |
|---|---|---|
| 2026to date | +2.61% | +1.26% |
| 2025 | +8.32% | +7.01% |
| 2024 | +8.30% | +8.52% |
| 2023 | +7.52% | +7.19% |
| 2022 | -- | +1.23% |
| 2021 | -- | +2.59% |
ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF vs JM Medium to Long Term: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 397 of them, one for each trading day from 10-03-2025 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF
JM Medium to Long Term Fund (Direct)
to
Apr 2025Aug 2022
to
Aug 2025Nov 2022
to
Nov 2025Feb 2023
to
Feb 2026Jun 2023
to
Jun 2026Sept 2023
to
Sept 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.9% | 7.9% | 6.4% | 8.9% |
| JM Medium to Long Term | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.3% | 7.4% | 6.1% | 8.6% |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. Every fund is measured over the days all of them have, from 08-03-2022. Past returns do not promise future returns.
ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF vs JM Medium to Long Term: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 08-03-2022 to 30-10-2026: 56 instalments, ₹5,60,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| ICICI Prudential Nifty 5 yr Benchmark G-SEC ETFICICI Prudential Nifty 5 yr Benchmark G-SEC ETF | ₹5,60,000 | ₹6,49,663 | ₹89,663 | 6.3% |
| JM Medium to Long TermJM Medium to Long Term Fund (Direct) | ₹5,60,000 | ₹6,35,012 | ₹75,012 | 5.3% |
ICICI Prudential Nifty 5 yr Benchmark G-SEC ETFICICI Prudential Nifty 5 yr Benchmark G-SEC ETF
JM Medium to Long TermJM Medium to Long Term Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF vs JM Medium to Long Term: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF | JM Medium to Long Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +3.16% | +1.77% |
| Standard deviation | 2.55% | 2.10% |
| Sharpe ratio | -0.82 | -1.66 |
| Sortino ratio | -1.18 | -2.23 |
| Maximum drawdown | −1.9% (22-10-2026) | −2.0% (23-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF | JM Medium to Long Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.14% | +6.28% |
| Standard deviation | 1.92% | 2.04% |
| Sharpe ratio | 0.58 | 0.13 |
| Sortino ratio | 0.86 | 0.18 |
| Maximum drawdown | −1.9% (22-10-2026) | −2.0% (23-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF | JM Medium to Long Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.26% | +5.45% |
| Standard deviation | 2.21% | 3.97% |
| Sharpe ratio | 0.13 | -0.15 |
| Sortino ratio | 0.18 | -0.17 |
| Maximum drawdown | −3.0% (06-05-2022) | −10.6% (13-12-2019) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 08-03-2022 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF
JM Medium to Long Term Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF | −3.0% | 30-03-2022 | 06-05-2022 | 04-08-2022 | 3 months | −1.7% |
| JM Medium to Long Term Fund (Direct) | −3.2% | 30-03-2022 | 09-05-2022 | 08-09-2022 | 4 months | −1.8% |
From daily values since 08-03-2022, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF
JM Medium to Long Term Fund (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF
JM Medium to Long Term Fund (Direct)
ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF vs JM Medium to Long Term: Portfolio Overlap
From each fund's latest monthly portfolio: ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF, September 2026; JM Medium to Long Term Fund, September 2026
Holdings in common
- Overlap
- 13.5%
- Held by both
- 1
- Only in ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF
- 0
- Only in JM Medium to Long Term
- 7
| Security | % of ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF | % of JM Medium to Long Term |
|---|---|---|
| Government Securities | 95.21% | 13.54% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 13.5% means 13.5% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF
Every holding of this fund is also held by the other.
Largest holdings only in JM Medium to Long Term Fund
| Security | % of fund |
|---|---|
| 6.94% GOI 11-May-2036 | 34.80% |
| 6.75% GOI 23-Dec-2029 | 13.80% |
| 7.23% Power Finance Corporation Limited 05-JAN-2027 | 8.63% |
| 7.55% REC Limited 11-MAY-2030 | 8.55% |
| 7.08% Bajaj Housing Finance Ltd 12-JUN-2030 | 8.31% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF | JM Medium to Long Term |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 95.2% | 94.5% |
| Cash and others | 4.8% | 5.5% |
ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF vs JM Medium to Long Term: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF | JM Medium to Long Term Fund |
|---|---|---|
| Total expense ratio (Direct) | Not available | 0.60% |
| Base expense ratio (Direct) | 0.00% | 0.51% |
| Total expense ratio (Regular) | Not available | 1.03% |
| Base expense ratio (Regular) | 0.17% | 0.88% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare JM Medium to Long Term with
ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF vs JM Medium to Long Term Fund: Frequently Asked Questions
What is the difference between ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF and JM Medium to Long Term Fund?
ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF is a mutual fund, JM Medium to Long Term Fund is a Medium to Long Duration fund, run by ICICI Prudential Mutual Fund and JM Financial Mutual Fund. Their portfolios overlap 13.5%. ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF charges 0.20% a year and JM Medium to Long Term Fund 0.60%.
Which has given higher returns, ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF or JM Medium to Long Term Fund?
Over 1 year: ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF +3.16%, JM Medium to Long Term Fund +1.77%. Over 3 years: ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF +7.14% a year, JM Medium to Long Term Fund +6.28% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF or JM Medium to Long Term Fund?
ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF charges less: 0.20% a year against 0.60%. These are the total expense ratios reported to AMFI.
How much do ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF and JM Medium to Long Term Fund overlap?
13.5%. They hold 1 of the same securities, the largest shared ones being Government Securities. From each fund's latest monthly portfolio.
Which is better for SIP, ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF or JM Medium to Long Term Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹4,04,059 in ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF (XIRR 5.7% a year) and ₹3,96,241 in JM Medium to Long Term Fund (XIRR 4.4% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both ICICI Prudential Nifty 5 yr Benchmark G-SEC ETF and JM Medium to Long Term Fund?
Yes. 13.5% of each fund's money sits in the same holdings, so some of the two investments would move together.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.