MonitorDirect · GrowthWatch before adding
Kotak Conservative Hybrid Fund
Kotak Mahindra Mutual FundHybrid Schemes - Conservative Hybrid Fund13.8 years
- NAV
- 68.7381
- 29 Oct 2026
- 1Y
- -0.1%
- Trailing CAGR
- AUM
- ₹2,732.82 Cr
- 30 Sept 2026
- Volatility
- Low
- 4.8% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · The fund beat the category median in 95% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Prefer peers if · Prefer ICICI Prudential Conservative Hybrid Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.60% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -11.8%. Ask whether you can hold through a similar fall.
Vs category
Pass
95% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 49.4% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 12%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y-0.1%
- 3Y+8.3%
- 5Y+7.9%
- 10Y+9.2%
- SI+10.1%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-0.2%
- 3Y+4.0%
- 5Y+7.1%
- 10Y+9.3%
- Since inception
- +10.1%
- Calendar-day CAGR
- Excess 1Y
- -0.8%
- Category median, same plan and option
- 3Y win rate
- +95%
- Windows beating the median
- 3Y percentile
- 70
- Vs comparable share classes
- SIP 3Y XIRR
- +4.0%
- Simulated monthly SIP
- Worst rolling 3Y
- +3.7%
- 2601 daily-ending windows
- Median rolling 3Y
- +11.4%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2118 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -11.8%
- Worst peak-to-trough
- Current
- -2.6%
- Below last peak
- Current spell
- 77 days
- Days below latest peak
- Time below peak
- +76%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 251 recovered episodes
- Longest recovery
- 147 days
- Trough to prior peak
20 Feb 2020 – 3 Jul 2020
Trough 23 Mar 2020 · recovered in 102 days
-11.8%
20 May 2013 – 31 Dec 2013
Trough 28 Aug 2013 · recovered in 125 days
-9.2%
31 Aug 2018 – 5 Mar 2019
Trough 9 Oct 2018 · recovered in 147 days
-5.1%
20 Oct 2015 – 18 Mar 2016
Trough 25 Feb 2016 · recovered in 22 days
-4.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
70
Vs category
45
Consistency
82
Risk-adjusted
69
Drawdown
71
Mean
67
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Supporting reads
- The fund beat the category median in 95% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 118 holdings · top 10 are 49.4%.
- Top 5
- 35.7%
- Top 10
- 49.4%
- Largest holding
- 14.2%
- Effective holdings
- 24.4
Repo
Unspecified
14.2%
GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100
Entities
7.1%
GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
6.8%
JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC
Materials
4.0%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 26F 7.44 BD 17JL29 FVRS1LAC
Financial
3.6%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
29 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
28 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
26 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
19 Oct 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI Prudential Conservative Hybrid Fund
ICICI Prudential Mutual Fund
- 1Y
- +0.9%
- 3Y
- +8.5%
- Vol
- 4.2%
- Max DD
- -8.8%
- Sharpe
- 0.98
- 3Y win
- +86%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Caveat: Higher TER
BARODA BNP PARIBAS CONSERVATIVE HYBRID FUND
Baroda BNP Paribas Mutual Fund
- 1Y
- +2.5%
- 3Y
- +8.2%
- Vol
- 3.6%
- Max DD
- -4.5%
- Sharpe
- 0.57
- 3Y win
- +27%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Axis Conservative Hybrid Fund
Axis Mutual Fund
- 1Y
- -0.4%
- 3Y
- +6.5%
- Vol
- 4.3%
- Max DD
- -9.4%
- Sharpe
- 0.58
- 3Y win
- +19%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
Canara Robeco Conservative Hybrid Fund
Canara Robeco Mutual Fund
- 1Y
- +0.6%
- 3Y
- +7.5%
- Vol
- 4.3%
- Max DD
- -10.2%
- Sharpe
- 0.77
- 3Y win
- +38%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
HSBC Conservative Hybrid Fund
HSBC Mutual Fund
- 1Y
- +0.4%
- 3Y
- +8.6%
- Vol
- 4.9%
- Max DD
- -10.4%
- Sharpe
- 0.55
- 3Y win
- +38%
- Shallower drawdown
- Higher trailing returns
Caveat: Higher volatility · Higher TER