HealthyDirect · GrowthFit for a long SIP
Kotak Liquid Fund
Kotak Mahindra Mutual FundIncome/Debt Oriented Schemes - Liquid Fund13.8 years
- NAV
- 5,782.6978
- 1 Nov 2026
- 1Y
- +6.4%
- Trailing CAGR
- AUM
- ₹42,047.28 Cr
- 30 Sept 2026
- Volatility
- n/a
- History still thin
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
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Watch if · Risk metrics are withheld because the NAV history contains an implausible daily move above 50%.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.15% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -0.3%. Ask whether you can hold through a similar fall.
Vs category
Fail
4% 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 ≈ 28.8% 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+6.4%
- 3Y+6.9%
- 5Y+6.4%
- 10Y+6.1%
- SI+49.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+6.5%
- 3Y+6.6%
- 5Y+6.7%
- 10Y+6.1%
- Since inception
- +49.0%
- Calendar-day CAGR
- Excess 1Y
- +0.0%
- Category median, same plan and option
- 3Y win rate
- +4%
- Windows beating the median
- 3Y percentile
- 46
- Vs comparable share classes
- SIP 3Y XIRR
- +6.6%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.0%
- 3388 daily-ending windows
- Median rolling 3Y
- +6.9%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2788 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -0.3%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +1%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 2 days
- 15 recovered episodes
- Longest recovery
- 13 days
- Trough to prior peak
17 Mar 2020 – 27 Mar 2020
Trough 24 Mar 2020 · recovered in 3 days
-0.3%
15 Jul 2013 – 29 Jul 2013
Trough 16 Jul 2013 · recovered in 13 days
-0.3%
3 May 2022 – 8 May 2022
Trough 5 May 2022 · recovered in 3 days
-0.0%
26 Mar 2023 – 29 Mar 2023
Trough 28 Mar 2023 · recovered in 1 days
-0.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
46
Vs category
50
Consistency
7
Risk-adjusted
n/a
Drawdown
99
Mean
51
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
- Peak-to-trough drawdown has stayed shallower than 15%.
Risk metrics are withheld because the NAV history contains an implausible daily move above 50%.
Portfolio
30 Sept 2026 · 130 holdings · top 10 are 28.8%.
- Top 5
- 17.0%
- Top 10
- 28.8%
- Largest holding
- 4.1%
- Effective holdings
- 56.7
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT 91D CP 09NOV26
Financial
4.1%
GOVERNMENT OF INDIA 37830 091 DAYS TBILL 12NV26 FV RS 100
Financial
3.5%
GOVERNMENT OF INDIA 37861 091 DAYS TBILL 27NV26 FV RS 100
Financial
3.4%
Reliance Retail Ventures Ltd.
Diversified
3.0%
91 Days Treasury Bill 03-Dec-2026
Financial
2.9%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Axis Liquid Fund
Axis Mutual Fund
- 1Y
- +6.6%
- 3Y
- +7.0%
- Vol
- 0.2%
- Max DD
- -0.2%
- Sharpe
- -8.40
- 3Y win
- +93%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Canara Robeco Liquid Fund
Canara Robeco Mutual Fund
- 1Y
- +6.4%
- 3Y
- +6.9%
- Vol
- 0.1%
- Max DD
- -0.2%
- Sharpe
- -10.31
- 3Y win
- +15%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
DSP Liquid Fund
DSP Mutual Fund
- 1Y
- +6.5%
- 3Y
- +6.9%
- Vol
- 0.2%
- Max DD
- -0.2%
- Sharpe
- -5.43
- 3Y win
- +40%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Groww Liquid Fund
Groww Mutual Fund
- 1Y
- +6.5%
- 3Y
- +6.9%
- Vol
- 0.2%
- Max DD
- -0.2%
- Sharpe
- -5.98
- 3Y win
- +43%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Invesco India Liquid Fund
Invesco Mutual Fund
- 1Y
- +6.5%
- 3Y
- +6.9%
- Vol
- 0.2%
- Max DD
- -0.2%
- Sharpe
- -5.35
- 3Y win
- +27%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns