Kotak Long Term Fund
Kotak Mahindra Mutual Fund · Long Duration · Regular plan, growth option
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -1.6% | -0.8% |
| 3 months | -2.6% | -1.9% |
| 6 months | 3.0% | 3.2% |
| Year to date | 0.4% | 0.6% |
| 1 year | 0.1% | 0.8% |
| 3 years (CAGR) | n/a | 5.6% |
| 5 years (CAGR) | n/a | 4.9% |
| 7 years (CAGR) | n/a | 5.5% |
| 10 years (CAGR) | n/a | 6.0% |
| Since first NAV (CAGR) | 3.7% | – |
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 2.7% | 6.7% |
| 3Y rolling median | n/a | 6.2% |
| 3Y rolling worst | n/a | 4.3% |
| 3Y periods positive | n/a | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | n/a | 7.3% |
| 5Y rolling worst | n/a | 4.4% |
| 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.) | n/a | 4.8% |
| Sharpe ratio | n/a | -0.14 |
| Sortino ratio | n/a | -0.19 |
| 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 | −6.4% | −6.0% |
| Maximum drawdown, last 10Y | n/a | −4.9% |
| Maximum drawdown, last 5Y | n/a | −5.4% |
| Current drawdown | −3.2% | −2.6% |
| Recovery time of worst fall | 91 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
This scheme invests mainly in the markets below, which are also close to how many of them are benchmarked. Where those markets stand today:
- 1Y +2.2% · 3Y +6.3% p.a. · 5Y +5.2% p.a. (index fund NAV, after costs)
- −2.2% from its 52-week high (proxy NAV)
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 0.60% a year and the Direct plan's 0.32%, a gap of 0.28%. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹7,33,486.
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.
- 19 Sep 2026: TER reduced from 0.61% to 0.60% (AMFI TER disclosure)
- 13 Sep 2026: TER increased from 0.60% to 0.61% (AMFI TER disclosure)
- 10 Sep 2026: TER increased from 0.59% to 0.60% (AMFI TER disclosure)
| Fund manager | Role | Managing since |
|---|---|---|
| Abhishek Bisen | FM 1 Primary | 11 Mar 2024 |
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 0.60% | 0.78% |
| AUM, whole scheme (₹ crore) | 50 | 89 |
| Riskometer | Moderate | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 1.2% | 2.2% TRI |
Official benchmark: CRISIL Long Duration Debt A-III Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Long Duration Regular plans; how it is calculated.
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 0.4% | n/a | – |
| 2025 | 2.5% | 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 | ₹1,20,450 | 0.7% |
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 |
|---|---|---|---|
| Kotak Gilt Fund | Gilt | 0.98 | 4.5% |
| Kotak Gilt Fund | Gilt | 0.98 | 4.5% |
| PGIM India Gilt Fund | Gilt | 0.98 | 5.0% |
| DSP Dynamic Term Fund | Dynamic Bond | 0.98 | 5.4% |
| Invesco India Gilt Fund | Gilt | 0.98 | 5.6% |
| Axis Long Term Fund | Long Duration | 0.98 | 5.3% |
- What is the latest NAV of Kotak Long Term Fund?
- The NAV of the Regular plan (growth option) was ₹10.9812 on 1 Oct 2026, as published by AMFI.
- Which category is Kotak Long Term Fund in?
- It is classified as Long Duration in AMFI's daily NAV file. MFIC compares it with 11 Long Duration schemes (Regular plans).
- What was the largest fall in Kotak Long Term Fund's NAV?
- The largest peak-to-trough fall in its available history was 6.4%.
- What is the expense ratio (TER) of Kotak Long Term Fund?
- The total expense ratio of the Regular plan is 0.60% a year, as disclosed to AMFI (median of Long Duration Regular plans: 0.78%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Kotak Long Term Fund?
- Assets under management of the whole scheme were ₹50 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Kotak Long Term Fund?
- AMFI lists the scheme's riskometer as “Moderate”, and its benchmark's as “Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- Who manages Kotak Long Term Fund?
- According to its Scheme Summary Document, Kotak Long Term Fund is managed by Abhishek Bisen (since 11 Mar 2024).
- What is the minimum investment in Kotak Long Term Fund?
- The minimum application amount is Rs. 100/-. SIP details: SIP - Rs. 100. SWP - Rs. 100 STP - Rs. 100.
- 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 0.4% and the Regular plan's by 0.1%. The Regular plan includes the services of a distributor.
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