HealthyDirect · GrowthFit for a long SIP
Kotak Medium to Long Term Fund
Kotak Mahindra Mutual FundIncome/Debt Oriented Schemes - Medium to Long Term Fund13.8 years
- NAV
- 89.7639
- 29 Oct 2026
- 1Y
- +2.8%
- Trailing CAGR
- AUM
- ₹1,784.26 Cr
- 31 Aug 2026
- Volatility
- Low
- 3.6% 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
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 66% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
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
0.74% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -9.9%. Ask whether you can hold through a similar fall.
Vs category
Pass
66% 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
Watch
Top 10 holdings ≈ 75.9% 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+2.8%
- 3Y+6.8%
- 5Y+5.9%
- 10Y+6.6%
- SI+7.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.4%
- 3Y+4.9%
- 5Y+6.0%
- 10Y+6.6%
- Since inception
- +7.4%
- Calendar-day CAGR
- Excess 1Y
- +0.4%
- Category median, same plan and option
- 3Y win rate
- +66%
- Windows beating the median
- 3Y percentile
- 91
- Vs comparable share classes
- SIP 3Y XIRR
- +4.9%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.6%
- 2619 daily-ending windows
- Median rolling 3Y
- +7.5%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2136 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -9.9%
- Worst peak-to-trough
- Current
- -2.0%
- Below last peak
- Current spell
- 76 days
- Days below latest peak
- Time below peak
- +77%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 9 days
- 234 recovered episodes
- Longest recovery
- 283 days
- Trough to prior peak
27 May 2013 – 29 May 2014
Trough 19 Aug 2013 · recovered in 283 days
-9.9%
24 Nov 2016 – 19 Jun 2017
Trough 10 Mar 2017 · recovered in 101 days
-5.6%
9 Mar 2020 – 20 Apr 2020
Trough 19 Mar 2020 · recovered in 32 days
-3.2%
6 Sept 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-3.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
91
Vs category
52
Consistency
69
Risk-adjusted
47
Drawdown
75
Mean
67
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 66% of rolling 3-year windows.
- Three-year return is above the category median.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
31 Aug 2026 · 40 holdings · top 10 are 75.9%.
- Top 5
- 54.1%
- Top 10
- 75.9%
- Largest holding
- 16.4%
- Effective holdings
- 14.0
GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100
Entities
16.4%
Repo
Unspecified
11.1%
GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100
Entities
8.2%
NATIONAL HOUSING BANK 6.80 BD 02AP32 FVRS1LAC
Financial
7.6%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR II RR BD 04JU29 FVRS1LAC
Financial
5.6%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Franklin India Medium to Long Term Fund
Franklin Templeton Mutual Fund
- 1Y
- +3.1%
- 3Y
- n/a
- Vol
- 1.9%
- Max DD
- -1.8%
- Sharpe
- -0.15
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Nippon India Medium to Long Term Fund
Nippon India Mutual Fund
- 1Y
- +2.9%
- 3Y
- +6.5%
- Vol
- 3.6%
- Max DD
- -9.9%
- Sharpe
- 0.49
- 3Y win
- +86%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
LIC MF Medium to Long Term Fund
LIC Mutual Fund
- 1Y
- +3.4%
- 3Y
- +7.3%
- Vol
- 2.7%
- Max DD
- -6.2%
- Sharpe
- 0.42
- 3Y win
- +22%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
SBI MEDIUM TO LONG TERM FUND
SBI Mutual Fund
- 1Y
- +3.0%
- 3Y
- +6.5%
- Vol
- 3.0%
- Max DD
- -8.5%
- Sharpe
- 0.63
- 3Y win
- +88%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
ICICI Prudential Medium to Long Term Fund
ICICI Prudential Mutual Fund
- 1Y
- +2.5%
- 3Y
- +6.6%
- Vol
- 3.1%
- Max DD
- -10.2%
- Sharpe
- 0.60
- 3Y win
- +89%
- Lower volatility
- Higher win rate vs category
- Lower TER
Caveat: Deeper drawdown · Lower trailing returns