NAV history
Scorecard
★★★★☆4/5 vs 34 of 37 Gilt Fund peers- Performance 60%
- Risk 15%
- Cost 10%
- Downside 15%
How this is computed
Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Gilt Fund (same plan and option). 34 of the 37 Gilt Funds in this cohort carry the full record the stars need, so they are the ones ranked against.
3Y CAGR +5.31% · ranks 12 of 37 Gilt Funds
Volatility 3.5% vs 4.6% category avg
0.5% expense vs 0.5% category avg
95% of rolling 3Y windows were positive
Strengths & concerns
Generated from this fund's own numbers against its sub-category — each point names the figure behind it.
Strengths
- Ahead of the Gilt Fund average on 1M/3M/6M/1Y — 1Y by 0.99pp
- 3-year return (+5.31%) beats the Gilt Fund average (+2.87%)
- 5-year return (+5.28%) beats the Gilt Fund average (+2.27%)
- Less volatile than its Gilt Fund peers (3.5% vs 4.6%)
- Consistent — positive in 95% of rolling 3-year windows
Concerns
No significant concerns identified.
Key Metrics
Scheme Info
DefinitionsPeriod returns (<1Y, absolute — not annualized)
DefinitionsAnnualized returns (≥1Y — CAGR)
DefinitionsAdvanced metrics — risk
Risk (trailing 3Y)
DefinitionsBenchmark ratios
Not shown for Gilt Fund — a debt, arbitrage or cash-like fund isn't measured against an equity index, so alpha/beta vs one would be noise rather than signal.
Fund vs category average (Gilt Fund)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | +0.32% | -0.47% | +0.79% |
| 3M abs | +3.61% | +2.10% | +1.51% |
| 6M abs | +3.43% | +1.15% | +2.28% |
| 1Y CAGR | +3.10% | +2.11% | +0.99% |
| 3Y CAGR | +5.31% | +2.87% | +2.44% |
| 5Y CAGR | +5.28% | +2.27% | +3.01% |
Category average across peers in Gilt Fund (up to 37 funds with data), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).
Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.
Category rank
Vs 37 peers in Gilt Fund
Rolling returns
Return for every possible 1Y holding period, not just today’s
152 overlapping 1Y windows, sampled monthly across the fund’s history.
Worst falls, and the wait to get back
How far this fund has dropped from a high, and how long it took to reclaim it.
- -18.6%27 May 2013 → 19 Aug 2013
Fell over 3 months, back to the old high on 14 Jun 2017 — 3.8 years under water after the low.
- -7.0%28 May 2025 → 02 Apr 2026
Still below that high — 10 months down, and no recovery yet.
Measured on this fund’s own NAV history, peak to trough to the day it regained the peak. Falls shallower than 5% are left out. A recovery date is when the NAV got back, not when any particular investor did — that depends on when they bought.
Calendar-year returns
What the fund actually returned in each year, not the smoothed average.
| Year | Fund | |
|---|---|---|
| 2026part | +2.92% | |
| 2025 | +0.72% | |
| 2024 | +9.41% | |
| 2023 | +8.41% | |
| 2022 | +3.53% | |
| 2021 | +3.23% | |
| 2020 | +14.42% | |
| 2019 | +10.91% | |
| 2018 | +8.53% | |
| 2017 | +1.71% |
January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.
Backtest this fund
What a SIP or one-time investment would have grown to over this fund’s real NAV history.
60 monthly installments of ₹10,000 into Kotak Gilt Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.
Taxation
Taxed as debtThis is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.
Your income-tax slab — no LTCG or indexation benefit
Pick your slab to see the rate that applies to you.
Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.
Kotak Mahindra in the news
Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.
Kotak Mahindra Mutual Fund files offer document for Fixed Maturity Plan Series 336-338
Investment Guru · 22h ago
TPG pares 6.66% stake in Aster DM Quality Care; HDFC MF, Citigroup, Kotak Mahindra AMC among buyers
Moneycontrol.com · 1d ago
TPG pares 6.66% stake in Aster DM Quality Care; HDFC MF, Citigroup, Kotak Mahindra AMC among buyers
Moneycontrol.com · 1d ago
Kotak Mahindra Mutual Fund files offer document for Nifty Realty Index Fund
Investment Guru · 2d ago
Who leads the hybrid fund race?
Cafemutual · 2d ago
Top three unchanged: SBI, ICICI Pru and HDFC MF dominate equity AAUM rankings
Cafemutual · 3d ago
Kotak Multi Asset Omni FoF - Regular Plan
CNBC TV18 · 10d ago
Kotak Multi Asset Omni FoF - Direct Plan
CNBC TV18 · 10d ago
Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.
About Gilt funds
Gilt funds lend only to the government, so they carry no credit risk. Their prices do move with interest rates, though — they can swing when rate expectations change.
Frequently asked questions
What is the NAV of Kotak Gilt Fund?
As of 20 Aug 2026, the NAV of Kotak Gilt Fund is ₹24.64 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has Kotak Gilt Fund delivered?
Kotak Gilt Fund has returned +3.10% over 1 year, +5.31% per year over 3 years, +5.28% per year over 5 years and +4.80% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.
What is the expense ratio of Kotak Gilt Fund?
Kotak Gilt Fund charges an expense ratio of 0.48% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.
How risky is Kotak Gilt Fund?
It is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 3.5% and its worst peak-to-trough fall in our sample was -18.6%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.
What does the Sharpe ratio of -0.34 mean?
The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Kotak Gilt Fund's -0.34 means it has not compensated investors for its volatility over the window. Higher is better.
What is the benchmark of Kotak Gilt Fund?
Kotak Gilt Fund is benchmarked against the Tier 1 Benchmark - Nifty All Duration G-Sec Index Benchmark rationale:. Its alpha and beta on this page are measured against that index.
Who manages Kotak Gilt Fund?
Kotak Gilt Fund is managed by Abhishek Bisen and Deepak Agrawal at Kotak Mahindra.
How is Kotak Gilt Fund taxed?
Kotak Gilt Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.