HDFC Medium Term Debt Fund vs Aditya Birla Sun Life Medium Term
Updated June 2026 · both Medium Duration funds · metrics from AMFI NAVs
In short: Aditya Birla Sun Life Medium Term has the higher 3-year return (+10.43%); HDFC Medium Term Debt Fund has the lower expense ratio (0.69%); Aditya Birla Sun Life Medium Term has the better risk-adjusted return (Sharpe 0.69). This is analysis from past data, not a recommendation.
| Metric | HDFC Medium Term Debt Fund | Aditya Birla Sun Life Medium Term |
|---|---|---|
| 1Y return | +5.91% | +8.62% |
| 3Y CAGR | +7.73% | +10.43% |
| 5Y CAGR | +6.72% | +12.59% |
| Sharpe ratio | -0.29 | 0.69 |
| Max drawdown | -1.9% | -1.0% |
| Volatility | 1.5% | 7.3% |
| Alpha | +0.98% | +3.21% |
| Expense ratio (Direct) | 0.69% | 0.81% |
| AUM | ₹3.8K Cr | ₹3.0K Cr |
Winner on each row highlighted (lower is better for expense ratio and volatility; max drawdown closer to zero is better). Computed from AMFI NAVs - see methodology. No paid placement.
FAQ
Which has the lower expense ratio?
HDFC Medium Term Debt Fund has the lower Direct-plan expense ratio (0.69%), versus 0.81% for the other. Over long horizons a lower TER compounds into a meaningful difference.
Which has performed better over 3 years?
Aditya Birla Sun Life Medium Term has the higher 3-year CAGR (+10.43%). Past performance does not predict future returns - check volatility and drawdown too, shown above.
How are these figures calculated?
All returns, risk metrics and alpha are computed independently from AMFI daily NAVs using a disclosed methodology. FindMF takes no commission and this comparison is not a recommendation.