Kotak Conservative Hybrid Fund
Kotak Mahindra Mutual Fund · Conservative Hybrid · Regular plan, growth option
NAV (₹), 1 Oct 2026
58.8987
1-day change
-0.20%
1Y return
0.4%
3Y CAGR
6.9%
5Y CAGR
6.7%
Max drawdown, 5Y
−5.0%
NAV history month-end NAV, ₹ · 1 Mar 2011 to 1 Oct 2026
Returns vs Conservative Hybrid median (19 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -1.5% | -1.5% |
| 3 months | -1.4% | -0.9% |
| 6 months | 2.9% | 3.0% |
| Year to date | -1.2% | 0.3% |
| 1 year | 0.4% | 1.5% |
| 3 years (CAGR) | 6.9% | 6.7% |
| 5 years (CAGR) | 6.7% | 6.6% |
| 7 years (CAGR) | 9.1% | 7.7% |
| 10 years (CAGR) | 8.1% | 6.8% |
| Since first NAV (CAGR) | 9.0% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 9.4% | 8.0% |
| 3Y rolling median | 10.2% | 8.6% |
| 3Y rolling worst | 2.4% | 1.9% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 9.6% | 8.6% |
| 5Y rolling worst | 5.1% | 4.0% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 5.4% | 4.2% |
| Sharpe ratio | 0.13 | 0.09 |
| Sortino ratio | 0.17 | 0.12 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −11.9% | −13.2% |
| Maximum drawdown, last 10Y | −11.9% | −12.0% |
| Maximum drawdown, last 5Y | −5.0% | −4.4% |
| Current drawdown | −2.4% | −2.1% |
| Recovery time of worst fall | 100 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Market context from Integrato Market Intelligence
This scheme hold only part of their money in each of these markets; the mix is set by the scheme and changes over time.
6.78%
1 Jul 2026 · +0.43 pp in a year · 5Y average 6.90%
22,421.95 −0.88%
NSE close, 1 Oct 2026
- P/E 19.2: higher than 0% of days since 2024 (median 22.1)
- 1Y −9.0% · 3Y +5.4% p.a. · 5Y +5.9% p.a. (index fund NAV, after costs)
- −14.8% from its 52-week high
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 1.76% a year and the Direct plan's 0.61%, a gap of 1.15%; over the last 3 years the Direct plan returned 1.30 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹27,43,757.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Shibani Sircar Kurian | 1 Apr 2008 | |
| Abhishek Bisen | 1 Apr 2008 |
Objective: The investment objective of the Scheme is to enhance returns over a portfolio of debt instruments with a moderate exposure in equity and equity related instruments. By investing in debt securities, the Scheme will aim at generating regular returns, while enhancement of return is intended through investing in equity and equity related securities. The Scheme may also use various derivative and hedging products from time to time, in the manner permitted by SEBI. There is no assurance that the investment objective of the Schemes will be realised.
Stated asset allocation: Debt and money market instruments including government securities- 75-90% Equity and equity related instruments- 10-25% Units issued by InvITs- 0-10% Units of Mutual Fund including Gold/Silver ETF 0-15% Exchange Traded Commodity Derivatives (ETCDs) 0-10%
Benchmark (tier 1): CRISIL Hybrid 85+15 - Conservative Index
Exit load: • For redemption / switch out of upto 8% of the initial investment amount (limit) purchased or switched in within 1 year from the date of allotment: Nil. • If units redeemed or switched out are in excess of the limit within 1 year months from the date of allotment: 1% • If units are redeemed or switched out on or after 1 year from the date of allotment: NIL
Minimum application: Rs. 100/-
Allotment date: 2 Dec 2003
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 1.76% | 1.86% |
| AUM, whole scheme (₹ crore) | 2,775 | 811 |
| Riskometer | Moderately High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 1.0% | 2.8% TRI |
| Return, 3 years (AMFI) | 6.9% | 7.0% TRI |
| Return, 5 years (AMFI) | 6.8% | 6.2% TRI |
| Month-ends above category median (3Y CAGR) | 100% | 38% median |
| Month-ends in category top quartile (3Y) | 68% | 15% median |
| 7Y rolling CAGR, median (monthly windows) | 9.4% | 8.0% median |
Official benchmark: CRISIL Hybrid 85+15 - Conservative Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Conservative Hybrid Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -1.2% | n/a | – |
| 2025 | 5.3% | n/a | – |
| 2024 | 11.4% | n/a | – |
| 2023 | 13.9% | n/a | – |
| 2022 | 4.3% | n/a | – |
| 2021 | 13.3% | n/a | – |
| 2020 | 13.9% | n/a | – |
| 2019 | 11.2% | n/a | – |
| 2018 | -0.1% | n/a | – |
| 2017 | 10.2% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,19,673 | -0.5% |
| 3 years | ₹3,60,000 | ₹3,78,655 | 3.3% |
| 5 years | ₹6,00,000 | ₹6,99,543 | 6.1% |
| 10 years | ₹12,00,000 | ₹18,20,172 | 8.1% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
Category: Conservative Hybrid
Plan / option: Regular · Growth
AMFI scheme code: 114859
ISIN: INF174K01393
First NAV in MFIC data: 1 Mar 2011
History: 15.6 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| HDFC Conservative Hybrid Fund | Conservative Hybrid | 0.97 | 6.3% |
| UTI Conservative Hybrid Fund | Conservative Hybrid | 0.96 | 6.7% |
| Franklin India Conservative Hybrid Fund | Conservative Hybrid | 0.95 | 6.7% |
| BARODA BNP PARIBAS CONSERVATIVE HYBRID FUND | Conservative Hybrid | 0.94 | 6.7% |
| Canara Robeco Conservative Hybrid Fund | Conservative Hybrid | 0.94 | 6.1% |
| ICICI Prudential Conservative Hybrid Fund | Conservative Hybrid | 0.94 | 7.7% |
Questions about Kotak Conservative Hybrid Fund
- What is the latest NAV of Kotak Conservative Hybrid Fund?
- The NAV of the Regular plan (growth option) was ₹58.8987 on 1 Oct 2026, as published by AMFI.
- Which category is Kotak Conservative Hybrid Fund in?
- It is classified as Conservative Hybrid in AMFI's daily NAV file. MFIC compares it with 19 Conservative Hybrid schemes (Regular plans).
- What returns has Kotak Conservative Hybrid Fund delivered?
- Over one year the NAV changed by 0.4%. The 3-year CAGR is 6.9% (category median 6.7%) and the 5-year CAGR is 6.7% (category median 6.6%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 10.2%, the lowest was 2.4%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in Kotak Conservative Hybrid Fund's NAV?
- The largest peak-to-trough fall in its available history was 11.9%; within the last five years it was 5.0% (category median 4.4%).
- How volatile is Kotak Conservative Hybrid Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 5.4%, which is above the Conservative Hybrid category median of 4.2%.
- What would a monthly SIP in Kotak Conservative Hybrid Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹6,99,543 on 1 Oct 2026, an annualised return (XIRR) of 6.1%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of Kotak Conservative Hybrid Fund?
- The total expense ratio of the Regular plan is 1.76% a year, as disclosed to AMFI (median of Conservative Hybrid Regular plans: 1.86%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Kotak Conservative Hybrid Fund?
- Assets under management of the whole scheme were ₹2,775 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Kotak Conservative Hybrid Fund?
- AMFI lists the scheme's riskometer as “Moderately High”, and its benchmark's as “Moderately High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of Kotak Conservative Hybrid Fund and how has it compared?
- Its official benchmark is the CRISIL Hybrid 85+15 - Conservative Index. Over 3 years AMFI reports a return of 6.9% for this plan against 7.0% for the benchmark total return index; over 5 years 6.8% against 6.2%. Past performance does not indicate future results.
- How often has Kotak Conservative Hybrid Fund beaten its category?
- At 100% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Conservative Hybrid schemes (Regular plans); it was in the top quarter at 68% of them. A typical scheme would show about 50%.
- Who manages Kotak Conservative Hybrid Fund?
- According to its Scheme Summary Document, Kotak Conservative Hybrid Fund is managed by Shibani Sircar Kurian (since 1 Apr 2008), Abhishek Bisen (since 1 Apr 2008).
- What is the exit load of Kotak Conservative Hybrid Fund?
- As stated in its scheme documents: • For redemption / switch out of upto 8% of the initial investment amount (limit) purchased or switched in within 1 year from the date of allotment: Nil. • If units redeemed or switched out are in excess of the limit within 1 year months from the date of allotment: 1% • If units are redeemed or switched out on or after 1 year from the date of allotment: NIL Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in Kotak Conservative Hybrid Fund?
- The minimum application amount is Rs. 100/-. SIP details: SIP - Rs. 100/- and any amount thereafter,SWP - Rs. 1000 STP - Rs. 1000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 1.6% and the Regular plan's by 0.4%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.