Kotak Gilt Fund
Kotak Mahindra Mutual Fund · Gilt · Regular plan, growth option
NAV (₹), 2 Oct 2026
96.4419
1-day change
-0.12%
1Y return
0.9%
3Y CAGR
4.5%
5Y CAGR
4.2%
Max drawdown, 5Y
−5.4%
NAV history month-end NAV, ₹ · 2 Apr 2006 to 1 Oct 2026
Returns vs Gilt median (30 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -0.6% | -0.5% |
| 3 months | -1.0% | -1.0% |
| 6 months | 3.3% | 3.3% |
| Year to date | 1.1% | 1.6% |
| 1 year | 0.9% | 1.8% |
| 3 years (CAGR) | 4.5% | 5.5% |
| 5 years (CAGR) | 4.2% | 4.8% |
| 7 years (CAGR) | 5.3% | 5.4% |
| 10 years (CAGR) | 5.7% | 5.9% |
| Since first NAV (CAGR) | 7.3% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.2% | 6.6% |
| 3Y rolling median | 7.9% | 7.5% |
| 3Y rolling worst | 1.9% | 0.9% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 7.9% | 7.9% |
| 5Y rolling worst | 3.7% | 2.4% |
| 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.) | 4.4% | 3.8% |
| Sharpe ratio | -0.44 | -0.23 |
| Sortino ratio | -0.55 | -0.30 |
| 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 | −15.0% | −14.6% |
| Maximum drawdown, last 10Y | −6.1% | −5.1% |
| Maximum drawdown, last 5Y | −5.4% | −3.8% |
| Current drawdown | −1.9% | −1.7% |
| Recovery time of worst fall | 827 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | n/a | 1.22% |
| AUM, whole scheme (₹ crore) | n/a | 415 |
| Riskometer | n/a | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Month-ends above category median (3Y CAGR) | 31% | 44% median |
| Month-ends in category top quartile (3Y) | 3% | 22% median |
| 7Y rolling CAGR, median (monthly windows) | 7.9% | 7.9% median |
Category consistency: last 10 years of month-ends, Gilt Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 1.1% | n/a | – |
| 2025 | 2.3% | n/a | – |
| 2024 | 8.3% | n/a | – |
| 2023 | 7.3% | n/a | – |
| 2022 | 2.4% | n/a | – |
| 2021 | 2.2% | n/a | – |
| 2020 | 13.3% | n/a | – |
| 2019 | 9.8% | n/a | – |
| 2018 | 7.4% | n/a | – |
| 2017 | 0.7% | 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 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,21,377 | 2.1% |
| 3 years | ₹3,60,000 | ₹3,75,912 | 2.8% |
| 5 years | ₹6,00,000 | ₹6,65,939 | 4.1% |
| 10 years | ₹12,00,000 | ₹15,68,518 | 5.2% |
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: Gilt
Plan / option: Regular · Growth
AMFI scheme code: 100265
ISIN: INF174K01FI5
First NAV in MFIC data: 2 Apr 2006
History: 20.5 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Kotak Gilt Fund | Gilt | 1.00 | 4.5% |
| Kotak Long Term Fund | Long Duration | 0.98 | n/a |
| HSBC Gilt Fund | Gilt | 0.98 | 4.7% |
| BANDHAN LONG TERM FUND | Long Duration | 0.98 | n/a |
| Nippon India Gilt Fund | Gilt | 0.97 | 5.5% |
| HDFC Dynamic Term Fund | Dynamic Bond | 0.97 | 5.8% |
Questions about Kotak Gilt Fund
- What is the latest NAV of Kotak Gilt Fund?
- The NAV of the Regular plan (growth option) was ₹96.4419 on 2 Oct 2026, as published by AMFI.
- Which category is Kotak Gilt Fund in?
- It is classified as Gilt in AMFI's daily NAV file. MFIC compares it with 30 Gilt schemes (Regular plans).
- What returns has Kotak Gilt Fund delivered?
- Over one year the NAV changed by 0.9%. The 3-year CAGR is 4.5% (category median 5.5%) and the 5-year CAGR is 4.2% (category median 4.8%). 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 7.9%, the lowest was 1.9%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in Kotak Gilt Fund's NAV?
- The largest peak-to-trough fall in its available history was 15.0%; within the last five years it was 5.4% (category median 3.8%).
- How volatile is Kotak Gilt Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 4.4%, which is above the Gilt category median of 3.8%.
- What would a monthly SIP in Kotak Gilt 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 ₹6,65,939 on 2 Oct 2026, an annualised return (XIRR) of 4.1%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- How often has Kotak Gilt Fund beaten its category?
- At 31% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Gilt schemes (Regular plans); it was in the top quarter at 3% of them. A typical scheme would show about 50%.
- 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 1.9% and the Regular plan's by 0.9%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 2 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.