HealthyDirect · GrowthFit for a long SIP
Kotak Corporate Bond Fund
Kotak Mahindra Mutual FundIncome/Debt Oriented Schemes - Corporate Bond Fund11.7 years
- NAV
- 4,190.3907
- 30 Oct 2026
- 1Y
- +3.8%
- Trailing CAGR
- AUM
- ₹15,095.14 Cr
- 31 Aug 2026
- Volatility
- Low
- 1.1% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 83% of rolling 3-year windows.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Pass
11.7 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.36% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -1.9%. Ask whether you can hold through a similar fall.
Vs category
Pass
83% 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 ≈ 28.9% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
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+3.8%
- 3Y+7.1%
- 5Y+6.3%
- 10Y+7.1%
- SI+7.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+3.4%
- 3Y+6.0%
- 5Y+6.5%
- 10Y+6.8%
- Since inception
- +7.4%
- Calendar-day CAGR
- Excess 1Y
- -0.2%
- Category median, same plan and option
- 3Y win rate
- +83%
- Windows beating the median
- 3Y percentile
- 50
- Vs comparable share classes
- SIP 3Y XIRR
- +6.0%
- Simulated monthly SIP
- Worst rolling 3Y
- +5.0%
- 2115 daily-ending windows
- Median rolling 3Y
- +8.0%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1633 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -1.9%
- Worst peak-to-trough
- Current
- -0.6%
- Below last peak
- Current spell
- 77 days
- Days below latest peak
- Time below peak
- +37%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 4 days
- 298 recovered episodes
- Longest recovery
- 67 days
- Trough to prior peak
6 Mar 2020 – 30 Mar 2020
Trough 24 Mar 2020 · recovered in 6 days
-1.9%
8 Jan 2021 – 6 Apr 2021
Trough 16 Mar 2021 · recovered in 21 days
-1.0%
2 May 2022 – 12 Jul 2022
Trough 6 May 2022 · recovered in 67 days
-1.0%
31 Aug 2015 – 28 Sept 2015
Trough 4 Sept 2015 · recovered in 24 days
-0.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
50
Vs category
49
Consistency
71
Risk-adjusted
91
Drawdown
95
Mean
71
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 83% of rolling 3-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
31 Aug 2026 · 106 holdings · top 10 are 28.9%.
- Top 5
- 15.8%
- Top 10
- 28.9%
- Largest holding
- 3.5%
- Effective holdings
- 62.4
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC
Financial
3.5%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25C 7.44 BD 24FB28 FVRS1LAC
Financial
3.3%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR VII 7.42 BD 12MR29 FVRS1LAC
Financial
3.1%
STATE DEVELOPMENT LOAN 37060 KAR 11FB36 7.56 FV RS 100
Unspecified
3.0%
GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
2.9%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
HSBC Corporate Bond Fund
HSBC Mutual Fund
- 1Y
- +4.0%
- 3Y
- +7.2%
- Vol
- 1.1%
- Max DD
- -0.7%
- Sharpe
- 0.92
- 3Y win
- +32%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
AXIS Corporate Bond Fund
Axis Mutual Fund
- 1Y
- +4.3%
- 3Y
- +7.4%
- Vol
- 2.0%
- Max DD
- -3.8%
- Sharpe
- 0.71
- 3Y win
- +83%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
BARODA BNP PARIBAS CORPORATE BOND FUND
Baroda BNP Paribas Mutual Fund
- 1Y
- +4.8%
- 3Y
- +7.6%
- Vol
- 1.3%
- Max DD
- -2.3%
- Sharpe
- 0.53
- 3Y win
- +94%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Mirae Asset Corporate Bond Fund
Mirae Asset Mutual Fund
- 1Y
- +3.9%
- 3Y
- +6.9%
- Vol
- 1.1%
- Max DD
- -1.2%
- Sharpe
- 0.04
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
BARODA BNP PARIBAS CORPORATE BOND FUND - Annual Option
Baroda BNP Paribas Mutual Fund
- 1Y
- +4.5%
- 3Y
- +4.8%
- Vol
- 5.1%
- Max DD
- -8.5%
- Sharpe
- -0.72
- 3Y win
- +97%
- Higher win rate vs category
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns