MonitorDirect · Growth

Kotak Gilt Fund

Kotak Mahindra Mutual Fund Debt Scheme - Gilt Fund13.6 years

The scheme seeks to generate risk-free returns through investments in sovereign securities. The savings plan (D) will provide regular dividend payouts. A portion of the fund will be invested in inter bank money market in order to meet the liquidity requirement.

NAV: 113.7551; 15 Sept 2026
1Y: +3.6%; Trailing CAGR
AUM: ₹2,107.8 Cr; 31 Aug 2026
Volatility: Low; 4.5% annualized

NAV path pending

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+3.6%
3Y+5.9%
5Y+5.5%
10Y+6.9%
SI+7.7%

SIP XIRR

Equal monthly instalments to latest NAV

1Y+3.8%
3Y+4.4%
5Y+5.5%
10Y+6.5%

Since inception: +7.7%; Calendar-day CAGR
Excess 1Y: -0.6%; Category median, same plan and option
3Y win rate: +72%; Windows beating the median
3Y percentile: 9; Vs comparable share classes
Worst rolling 3Y: +4.8%; 2573 daily-ending windows
Median rolling 3Y: +8.1%; Calendar-day CAGR
Positive rolling 5Y: +100%; 2090 daily-ending windows
SIP 3Y XIRR: +4.4%; Simulated monthly SIP

Drawdown

Peak to trough from a running NAV high. Move across the path to read a date.

Drawdown

Path not in current snapshots

n/a

Average recovery: 11 days; 236 recovered episodes
Longest recovery: 392 days; Trough to prior peak
Current spell: 28 days; Days below latest peak
Time below peak: +80%; NAV observations

27 May 2013 – 15 Sept 2014
Trough 19 Aug 2013 · recovered in 392 days
-13.3%
24 Nov 2016 – 7 Jun 2017
Trough 10 Mar 2017 · recovered in 89 days
-5.9%
28 May 2025 – 29 Jun 2026
Trough 1 Sept 2025 · recovered in 301 days
-4.7%
6 Sept 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-4.2%

Dimensions

0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.

Returns
9
Vs category
46
Consistency
64
Risk-adjusted
54
Drawdown
67
Mean
48

Portfolio

31 Aug 2026 · 44 holdings · top 10 are 83.5%.

Top 5: 62.9%
Top 10: 83.5%
Largest holding: 19.5%
Effective holdings: 9.6

GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100
Entities
19.5%
GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
15.5%
Repo
Unspecified
14.1%
GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100
Entities
8.8%
GOVERNMENT OF INDIA 37477 091 DAYS TBILL 03SP26 FV RS 100
Financial
8.3%

Decision

Quantitative read of the live evidence. An explanation can only restate what is already here.

As of 11 Sept 2026

Monitor

Engine status

Monitor

Recent evidence

Why this status

Three-year return sits below the 25th percentile of comparable share classes.

Supporting reads

The fund beat the category median in 72% of rolling 3-year windows.
Risk-adjusted return sits above the documented risk-free proxy.
Peak-to-trough drawdown has stayed shallower than 15%.

Worth investigating

Same-category peers with enough history to inspect beside this fund.

All funds

MonitorDirect · Growth

Kotak Gilt Fund

Kotak Mahindra Mutual Fund Debt Scheme - Gilt Fund13.6 years

NAV: 113.7551; 15 Sept 2026
1Y: +3.6%; Trailing CAGR
AUM: ₹2,107.8 Cr; 31 Aug 2026
Volatility: Low; 4.5% annualized

Sept 2024 – Sept 2026

All funds

MonitorDirect · Growth

Kotak Gilt Fund

Kotak Mahindra Mutual Fund Debt Scheme - Gilt Fund13.6 years

NAV: 113.7551; 15 Sept 2026
1Y: +3.6%; Trailing CAGR
AUM: ₹2,107.8 Cr; 31 Aug 2026
Volatility: Low; 4.5% annualized

NAV path pending

NAV

15 Sept 2026 · +3.1% over 1Y

113.7551

Sept 2025108.7186 – 115.5516Sept 2026

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+3.6%
3Y+5.9%
5Y+5.5%
10Y+6.9%
SI+7.7%

SIP XIRR

Equal monthly instalments to latest NAV

1Y+3.8%
3Y+4.4%
5Y+5.5%
10Y+6.5%

Since inception: +7.7%; Calendar-day CAGR
Excess 1Y: -0.6%; Category median, same plan and option
3Y win rate: +72%; Windows beating the median
3Y percentile: 9; Vs comparable share classes
Worst rolling 3Y: +4.8%; 2573 daily-ending windows
Median rolling 3Y: +8.1%; Calendar-day CAGR
Positive rolling 5Y: +100%; 2090 daily-ending windows
SIP 3Y XIRR: +4.4%; Simulated monthly SIP

Drawdown

Peak to trough from a running NAV high. Move across the path to read a date.

Drawdown

15 Sept 2026

-1.6%

Jan 2013-13.3% – 0.0%Sept 2026

Average recovery: 11 days; 236 recovered episodes
Longest recovery: 392 days; Trough to prior peak
Current spell: 28 days; Days below latest peak
Time below peak: +80%; NAV observations

27 May 2013 – 15 Sept 2014
Trough 19 Aug 2013 · recovered in 392 days
-13.3%
24 Nov 2016 – 7 Jun 2017
Trough 10 Mar 2017 · recovered in 89 days
-5.9%
28 May 2025 – 29 Jun 2026
Trough 1 Sept 2025 · recovered in 301 days
-4.7%
6 Sept 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-4.2%

Dimensions

0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.

Returns
9
Vs category
46
Consistency
64
Risk-adjusted
54
Drawdown
67
Mean
48

Portfolio

31 Aug 2026 · 44 holdings · top 10 are 83.5%.

Top 5: 62.9%
Top 10: 83.5%
Largest holding: 19.5%
Effective holdings: 9.6

GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100
Entities
19.5%
GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
15.5%
Repo
Unspecified
14.1%
GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100
Entities
8.8%
GOVERNMENT OF INDIA 37477 091 DAYS TBILL 03SP26 FV RS 100
Financial
8.3%

Decision

Quantitative read of the live evidence. An explanation can only restate what is already here.

As of 11 Sept 2026

Monitor

Engine status

Monitor

Recent evidence

Why this status

Three-year return sits below the 25th percentile of comparable share classes.

Supporting reads

The fund beat the category median in 72% of rolling 3-year windows.
Risk-adjusted return sits above the documented risk-free proxy.
Peak-to-trough drawdown has stayed shallower than 15%.

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+3.6%
3Y+5.9%
5Y+5.5%
10Y+6.9%
SI+7.7%

SIP XIRR

Equal monthly instalments to latest NAV

1Y+3.8%
3Y+4.4%
5Y+5.5%
10Y+6.5%

Since inception: +7.7%; Calendar-day CAGR
Excess 1Y: -0.6%; Category median, same plan and option
3Y win rate: +72%; Windows beating the median
3Y percentile: 9; Vs comparable share classes
Worst rolling 3Y: +4.8%; 2573 daily-ending windows
Median rolling 3Y: +8.1%; Calendar-day CAGR
Positive rolling 5Y: +100%; 2090 daily-ending windows
SIP 3Y XIRR: +4.4%; Simulated monthly SIP

Drawdown

Peak to trough from a running NAV high. Move across the path to read a date.

Drawdown

Path not in current snapshots

n/a

Average recovery: 11 days; 236 recovered episodes
Longest recovery: 392 days; Trough to prior peak
Current spell: 28 days; Days below latest peak
Time below peak: +80%; NAV observations

27 May 2013 – 15 Sept 2014
Trough 19 Aug 2013 · recovered in 392 days
-13.3%
24 Nov 2016 – 7 Jun 2017
Trough 10 Mar 2017 · recovered in 89 days
-5.9%
28 May 2025 – 29 Jun 2026
Trough 1 Sept 2025 · recovered in 301 days
-4.7%
6 Sept 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-4.2%

Dimensions

0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.

Returns
9
Vs category
46
Consistency
64
Risk-adjusted
54
Drawdown
67
Mean
48

Portfolio

31 Aug 2026 · 44 holdings · top 10 are 83.5%.

Top 5: 62.9%
Top 10: 83.5%
Largest holding: 19.5%
Effective holdings: 9.6

GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100
Entities
19.5%
GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
15.5%
Repo
Unspecified
14.1%
GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100
Entities
8.8%
GOVERNMENT OF INDIA 37477 091 DAYS TBILL 03SP26 FV RS 100
Financial
8.3%

Decision

Quantitative read of the live evidence. An explanation can only restate what is already here.

As of 11 Sept 2026

Monitor

Engine status

Monitor

Recent evidence

Why this status

Three-year return sits below the 25th percentile of comparable share classes.

Supporting reads

The fund beat the category median in 72% of rolling 3-year windows.
Risk-adjusted return sits above the documented risk-free proxy.
Peak-to-trough drawdown has stayed shallower than 15%.

Worth investigating

Same-category peers with enough history to inspect beside this fund.

NAV

15 Sept 2026 · +3.1% over 1Y

113.7551

Sept 2025108.7186 – 115.5516Sept 2026

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+3.6%
3Y+5.9%
5Y+5.5%
10Y+6.9%
SI+7.7%

SIP XIRR

Equal monthly instalments to latest NAV

1Y+3.8%
3Y+4.4%
5Y+5.5%
10Y+6.5%

Since inception: +7.7%; Calendar-day CAGR
Excess 1Y: -0.6%; Category median, same plan and option
3Y win rate: +72%; Windows beating the median
3Y percentile: 9; Vs comparable share classes
Worst rolling 3Y: +4.8%; 2573 daily-ending windows
Median rolling 3Y: +8.1%; Calendar-day CAGR
Positive rolling 5Y: +100%; 2090 daily-ending windows
SIP 3Y XIRR: +4.4%; Simulated monthly SIP

Drawdown

Peak to trough from a running NAV high. Move across the path to read a date.

Drawdown

15 Sept 2026

-1.6%

Jan 2013-13.3% – 0.0%Sept 2026

Average recovery: 11 days; 236 recovered episodes
Longest recovery: 392 days; Trough to prior peak
Current spell: 28 days; Days below latest peak
Time below peak: +80%; NAV observations

27 May 2013 – 15 Sept 2014
Trough 19 Aug 2013 · recovered in 392 days
-13.3%
24 Nov 2016 – 7 Jun 2017
Trough 10 Mar 2017 · recovered in 89 days
-5.9%
28 May 2025 – 29 Jun 2026
Trough 1 Sept 2025 · recovered in 301 days
-4.7%
6 Sept 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-4.2%

Dimensions

0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.

Returns
9
Vs category
46
Consistency
64
Risk-adjusted
54
Drawdown
67
Mean
48

Portfolio

31 Aug 2026 · 44 holdings · top 10 are 83.5%.

Top 5: 62.9%
Top 10: 83.5%
Largest holding: 19.5%
Effective holdings: 9.6

GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100
Entities
19.5%
GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
15.5%
Repo
Unspecified
14.1%
GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100
Entities
8.8%
GOVERNMENT OF INDIA 37477 091 DAYS TBILL 03SP26 FV RS 100
Financial
8.3%

Decision

Quantitative read of the live evidence. An explanation can only restate what is already here.

As of 11 Sept 2026

Monitor

Engine status

Monitor

Recent evidence

Why this status

Three-year return sits below the 25th percentile of comparable share classes.

Supporting reads

The fund beat the category median in 72% of rolling 3-year windows.
Risk-adjusted return sits above the documented risk-free proxy.
Peak-to-trough drawdown has stayed shallower than 15%.

Kotak Gilt Fund

Returns

Drawdown

Dimensions

Portfolio

Decision

Worth investigating

ICICI Prudential Gilt Fund

JM G-Sec Fund - (Direct) Annual

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JM G-Sec Fund - Annual

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Kotak Gilt Fund

Kotak Gilt Fund

Returns

Drawdown

Dimensions

Portfolio

Decision

Returns

Drawdown

Dimensions

Portfolio

Decision

Worth investigating

ICICI Prudential Gilt Fund

JM G-Sec Fund - (Direct) Annual

JM G-Sec Fund - (Direct) Half Yearly

JM G-Sec Fund - Annual

JM G-Sec Fund - Monthly

Kotak Gilt Fund

Returns

Drawdown

Dimensions

Portfolio

Decision