Kotak Medium Term Fund
Kotak Mahindra Mutual Fund · Medium Duration · Direct plan, growth option
| Period | Scheme | Category median |
|---|---|---|
| 1 month | 0.0% | 0.0% |
| 3 months | 0.7% | 0.6% |
| 6 months | 4.0% | 3.8% |
| Year to date | 4.3% | 4.3% |
| 1 year | 6.3% | 5.8% |
| 3 years (CAGR) | 8.9% | 7.7% |
| 5 years (CAGR) | 7.3% | 6.7% |
| 7 years (CAGR) | 7.7% | 7.4% |
| 10 years (CAGR) | 7.5% | 7.4% |
| Since first NAV (CAGR) | 8.4% | – |
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 8.4% | 8.3% |
| 3Y rolling median | 7.7% | 7.8% |
| 3Y rolling worst | 5.5% | 5.3% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 7.5% | 7.3% |
| 5Y rolling worst | 6.4% | 5.7% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 1.9% | 1.7% |
| Sharpe ratio | 1.18 | 0.65 |
| Sortino ratio | 2.10 | 1.13 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −5.2% | −5.3% |
| Maximum drawdown, last 10Y | −5.2% | −5.2% |
| Maximum drawdown, last 5Y | −1.5% | −1.7% |
| Current drawdown | −0.5% | −0.4% |
| Recovery time of worst fall | 62 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
This scheme invests mainly in the market below, which is also close to how many of them are benchmarked. Where that market stands today:
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.
The Regular plan's expense ratio is 1.63% a year and the Direct plan's 0.67%, a gap of 0.96%; over the last 3 years the Direct plan returned 1.04 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 ₹22,99,844.
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 manager | Role | Managing since |
|---|---|---|
| Deepak Agrawal | FM 1 Primary | 22 Jun 2015 |
| Vihag Mishra | FM 2 Primary | 22 Jun 2015 |
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 0.67% | 0.70% |
| AUM, whole scheme (₹ crore) | 1,930 | 1,244 |
| Riskometer | Moderately High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 6.6% | 3.9% TRI |
| Return, 3 years (AMFI) | 8.9% | 6.6% TRI |
| Return, 5 years (AMFI) | 7.3% | 5.5% TRI |
| Month-ends above category median (3Y CAGR) | 61% | 51% median |
| Month-ends in category top quartile (3Y) | 38% | 28% median |
| 7Y rolling CAGR, median (monthly windows) | 7.7% | 7.7% median |
Official benchmark: CRISIL Medium Duration Debt A-III Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Medium Duration Direct plans; how it is calculated.
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 4.3% | n/a | – |
| 2025 | 9.9% | n/a | – |
| 2024 | 10.1% | n/a | – |
| 2023 | 7.2% | n/a | – |
| 2022 | 4.3% | n/a | – |
| 2021 | 5.7% | n/a | – |
| 2020 | 9.6% | n/a | – |
| 2019 | 7.9% | n/a | – |
| 2018 | 6.2% | n/a | – |
| 2017 | 7.5% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,23,811 | 5.9% |
| 3 years | ₹3,60,000 | ₹4,06,199 | 8.0% |
| 5 years | ₹6,00,000 | ₹7,34,573 | 8.0% |
| 10 years | ₹12,00,000 | ₹17,73,805 | 7.6% |
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 | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| 360 ONE Dynamic Term Fund | Dynamic Bond | 0.95 | 7.9% |
| ICICI Prudential Credit Risk Fund | Credit Risk | 0.94 | 9.0% |
| HDFC Credit Risk Fund | Credit Risk | 0.94 | 8.1% |
| Franklin India Medium to Long Term Fund | Medium to Long Duration | 0.93 | n/a |
| Axis Medium Term Fund | Medium Duration | 0.92 | 8.3% |
| HDFC Medium Term Fund | Medium Duration | 0.92 | 7.8% |
- What is the latest NAV of Kotak Medium Term Fund?
- The NAV of the Direct plan (growth option) was ₹27.5206 on 1 Oct 2026, as published by AMFI.
- Which category is Kotak Medium Term Fund in?
- It is classified as Medium Duration in AMFI's daily NAV file. MFIC compares it with 13 Medium Duration schemes (Direct plans).
- What returns has Kotak Medium Term Fund delivered?
- Over one year the NAV changed by 6.3%. The 3-year CAGR is 8.9% (category median 7.7%) and the 5-year CAGR is 7.3% (category median 6.7%). 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 7.7%, the lowest was 5.5%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in Kotak Medium Term Fund's NAV?
- The largest peak-to-trough fall in its available history was 5.2%; within the last five years it was 1.5% (category median 1.7%).
- How volatile is Kotak Medium Term Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 1.9%, which is above the Medium Duration category median of 1.7%.
- What would a monthly SIP in Kotak Medium Term 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 ₹7,34,573 on 1 Oct 2026, an annualised return (XIRR) of 8.0%. This uses the Direct 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 Medium Term Fund?
- The total expense ratio of the Direct plan is 0.67% a year, as disclosed to AMFI (median of Medium Duration Direct plans: 0.70%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Kotak Medium Term Fund?
- Assets under management of the whole scheme were ₹1,930 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Kotak Medium Term Fund?
- AMFI lists the scheme's riskometer as “Moderately High”, and its benchmark's as “Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of Kotak Medium Term Fund and how has it compared?
- Its official benchmark is the CRISIL Medium Duration Debt A-III Index. Over 3 years AMFI reports a return of 8.9% for this plan against 6.6% for the benchmark total return index; over 5 years 7.3% against 5.5%. Past performance does not indicate future results.
- How often has Kotak Medium Term Fund beaten its category?
- At 61% of the 115 month-ends compared over the last 10 years, its 3-year return was above the median of Medium Duration schemes (Direct plans); it was in the top quarter at 38% of them. A typical scheme would show about 50%.
- Who manages Kotak Medium Term Fund?
- According to its Scheme Summary Document, Kotak Medium Term Fund is managed by Deepak Agrawal (since 22 Jun 2015), Vihag Mishra (since 22 Jun 2015).
- What is the minimum investment in Kotak Medium Term 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 6.3% and the Regular plan's by 5.2%. The Regular plan includes the services of a distributor.
Every Monday: this scheme's NAV, 1-month and 1-year return beside its category median, 3-year CAGR and how far it is below its peak. Add more schemes from their pages or from your MFIC watchlist. Free; unsubscribe from any email.