MonitorDirect · GrowthWatch before adding
Kotak Long Term Fund
Kotak Mahindra Mutual FundIncome/Debt Oriented Schemes - Long Term Fund2.6 years
The scheme seeks to generate income / capital appreciation through investments in debt and money market instruments. There is no assurance that the investment objective of the Scheme will be achieved.
- NAV
- 11.0119
- 30 Oct 2026
- 1Y
- +0.2%
- Trailing CAGR
- AUM
- ₹48.86 Cr
- 30 Sept 2026
- Volatility
- Low
- 4.4% 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
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer BANDHAN LONG TERM FUND if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Fail
2.6 years - thin for judging consistency.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.32% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -6.1%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Pass
Abhishek Bisen · 2.7 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
Watch
Top 10 holdings ≈ 100.0% 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.
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+0.2%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+3.7%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-0.3%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +3.7%
- Calendar-day CAGR
- Excess 1Y
- -0.1%
- 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
- -6.1%
- Worst peak-to-trough
- Current
- -3.6%
- Below last peak
- Current spell
- 116 days
- Days below latest peak
- Time below peak
- +87%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 9 days
- 29 recovered episodes
- Longest recovery
- 89 days
- Trough to prior peak
21 May 2025 – 30 Jun 2026
Trough 2 Apr 2026 · recovered in 89 days
-6.1%
6 Jul 2026 – open
Trough 23 Oct 2026 · not recovered
-4.3%
31 Mar 2024 – 13 May 2024
Trough 19 Apr 2024 · recovered in 24 days
-1.5%
1 Oct 2024 – 4 Dec 2024
Trough 22 Nov 2024 · recovered in 12 days
-1.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
23
Vs category
50
Consistency
27
Risk-adjusted
2
Drawdown
85
Mean
37
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
- Risk-adjusted return (Sharpe) is negative over the available daily history.
- AUM fell by 30% or more versus the prior observation.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 9 holdings · top 10 are 100.0%.
- Top 5
- 79.5%
- Top 10
- 100.0%
- Largest holding
- 18.8%
- Effective holdings
- 6.8
GS CG 06/11/2037 - (STRIPS)
Entities
18.8%
Repo
Unspecified
18.6%
GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100
Entities
15.5%
GS CG 25/05/2038 - (STRIPS)
Entities
13.5%
GS CG 25/11/2038 - (STRIPS)
Entities
13.0%
What changed
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
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
BANDHAN LONG TERM FUND
Bandhan Mutual Fund
- 1Y
- +1.8%
- 3Y
- n/a
- Vol
- 4.0%
- Max DD
- -4.6%
- Sharpe
- -0.33
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Aditya Birla Sun Life Long Term Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +1.0%
- 3Y
- +6.4%
- Vol
- 3.1%
- Max DD
- -3.3%
- Sharpe
- 0.29
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Franklin India Long Term Fund
Franklin Templeton Mutual Fund
- 1Y
- +2.2%
- 3Y
- n/a
- Vol
- 3.4%
- Max DD
- -4.3%
- Sharpe
- -0.53
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
SBI Long Term Fund
SBI Mutual Fund
- 1Y
- +1.0%
- 3Y
- +6.1%
- Vol
- 3.7%
- Max DD
- -4.4%
- Sharpe
- 0.09
- 3Y win
- +80%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
HDFC Long Term Fund
HDFC Mutual Fund
- 1Y
- -0.0%
- 3Y
- +5.7%
- Vol
- 4.2%
- Max DD
- -6.0%
- Sharpe
- -0.04
- 3Y win
- +10%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns