MonitorDirect · GrowthWatch before adding
Kotak Consumption Fund
Kotak Mahindra Mutual FundEquity Scheme - Sectoral/ Thematic2.9 years
The scheme is to generate long-term capital appreciation from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in consumption and consumption related activities.
- NAV
- 13.999
- 29 Oct 2026
- 1Y
- -8.3%
- Trailing CAGR
- AUM
- ₹1,660.4 Cr
- 30 Sept 2026
- Volatility
- Medium
- 14.2% 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 75% of rolling 1-year windows.
Prefer peers if · Prefer Kotak Business Cycle Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Fail
2.9 years - thin for judging consistency.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.84% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -20.6%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Pass
Abhishek Bisen · 3.0 years on the scheme.
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 ≈ 46.3% 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 21%. 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-8.3%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+12.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-2.5%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +12.0%
- Calendar-day CAGR
- Excess 1Y
- -5.7%
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- n/a
- Simulated monthly SIP
- Worst rolling 3Y
- n/a
- 0 daily-ending windows
- Median rolling 3Y
- n/a
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -20.6%
- Worst peak-to-trough
- Current
- -8.4%
- Below last peak
- Current spell
- 367 days
- Days below latest peak
- Time below peak
- +87%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 11 days
- 32 recovered episodes
- Longest recovery
- 227 days
- Trough to prior peak
23 Sept 2024 – 17 Oct 2025
Trough 4 Mar 2025 · recovered in 227 days
-20.6%
27 Oct 2025 – open
Trough 23 Mar 2026 · not recovered
-17.7%
7 Feb 2024 – 8 Apr 2024
Trough 13 Mar 2024 · recovered in 26 days
-5.2%
19 Jan 2024 – 31 Jan 2024
Trough 23 Jan 2024 · recovered in 8 days
-2.4%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
4
Vs category
14
Consistency
75
Risk-adjusted
49
Drawdown
49
Mean
38
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 75% of rolling 1-year windows.
Portfolio
30 Sept 2026 · 47 holdings · top 10 are 46.3%.
- Top 5
- 30.2%
- Top 10
- 46.3%
- Largest holding
- 7.9%
- Effective holdings
- 29.7
Zomato Ltd
Technology
7.9%
Maruti Suzuki India Ltd
Consumer Discretionary
7.0%
Bharti Airtel Ltd
Technology
6.6%
Hero Motocorp Ltd
Consumer Discretionary
5.3%
Hindustan Unilever Ltd
Consumer Staples
3.5%
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
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
24 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak Business Cycle Fund
Kotak Mahindra Mutual Fund
- 1Y
- +0.3%
- 3Y
- +16.1%
- Vol
- 12.7%
- Max DD
- -18.4%
- Sharpe
- 0.72
- 3Y win
- +98%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Motilal Oswal Active Momentum Fund
Motilal Oswal Mutual Fund
- 1Y
- +15.9%
- 3Y
- n/a
- Vol
- 17.2%
- Max DD
- -16.6%
- Sharpe
- 1.01
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER
Aditya Birla Sun Life Business Cycle Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +0.1%
- 3Y
- +13.1%
- Vol
- 13.9%
- Max DD
- -17.8%
- Sharpe
- 0.39
- 3Y win
- +13%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Caveat: Higher TER
Baroda BNP Paribas Energy Opportunities Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- -6.6%
- 3Y
- n/a
- Vol
- 13.9%
- Max DD
- -16.1%
- Sharpe
- 0.04
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Caveat: Higher TER
ICICI PRUDENTIAL HOUSING OPPORTUNITIES FUND
ICICI Prudential Mutual Fund
- 1Y
- -9.1%
- 3Y
- +10.7%
- Vol
- 12.6%
- Max DD
- -16.7%
- Sharpe
- 0.55
- 3Y win
- +65%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Caveat: Higher TER