Should I invest in Kotak Balance?

We don't give personal investment advice. Kotak Balance is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 15.1%. 5-year CAGR: 12.12%.

Kotak Mahindra

Kotak Balance

Latest NAV

₹38.2850

As of

17 Jul 2026

4,993 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.23%	+0.27%	-0.03	24 / 34	Q3
1W	-0.34%	+0.10%	-0.45	31 / 34	Q4
2W	+0.16%	+0.11%	+0.05	10 / 34	Q2
1M	+1.47%	+1.33%	+0.14	12 / 34	Q2
3M	+2.97%	+1.78%	+1.19	5 / 34	Q1
6M	+3.92%	-1.13%	+5.04	4 / 33	Q1
YTD	+2.34%	-2.97%	+5.31	4 / 33	Q1
1Y	+4.04%	-2.16%	+6.19	4 / 33	Q1
2Y	+3.96%	-1.24%	+5.20	7 / 33	Q1
3Y	+12.79%	+7.06%	+5.73	6 / 33	Q1
4Y	+13.97%	+9.03%	+4.94	6 / 32	Q1
5Y	+12.12%	+7.52%	+4.60	6 / 30	Q1
7Y	+14.23%	+9.73%	+4.50	6 / 30	Q1
10Y	+9.37%	+7.68%	+1.69	14 / 29	Q2
Inception	+2.40%	+6.55%	-4.15	27 / 34	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+2.34%	-3.27%	+5.60	3 / 31
2025	+3.72%	+2.10%	+1.62	13 / 31
2024	+21.41%	+12.84%	+8.57	3 / 31
2023	+19.90%	+17.18%	+2.73	10 / 31
2022	+5.01%	+1.09%	+3.91	11 / 31
2021	+28.10%	+23.51%	+4.59	8 / 31
2020	+13.38%	+10.62%	+2.77	8 / 31
2019	+7.97%	+3.54%	+4.43	9 / 32
2018	-14.87%	-7.66%	-7.21	28 / 32
2017	+12.17%	+16.43%	-4.26	23 / 32
2016	+3.72%	+2.00%	+1.71	10 / 26

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+4.42%

236 windows

min -50.4% · max 60.1%

59% positive

3-Year rolling

+2.98%

211 windows

min -16.7% · max 27.8%

53% positive

5-Year rolling

+2.19%

187 windows

min -9.8% · max 23.7%

43% positive

7-Year rolling

+1.10%

163 windows

min -8.4% · max 15.2%

41% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

11.06%

3-year · annualised

Sharpe ratio

0.57

vs risk-free 6.5%

Sortino ratio

0.96

Downside-only deviation

Max drawdown

-15.06%

Sep 2024 → Feb 2025

% positive months

66.7%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Aggressive Hybrid Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA AGGRESSIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Magnum Balanced Fund - Dividend	SBI	₹66.9211	17 Jul 2026
ICICI Prudential Balanced Plan-Dividend	ICICI Prudential	₹43.5700	17 Jul 2026
FT India Balanced Fund-Dividend Plan	Franklin Templeton	₹28.4960	17 Jul 2026
DSP BlackRock Balanced Fund-Dividend	DSP BlackRock	₹27.0800	17 Jul 2026
Canara Robeco Balance - Dividend Plan	Canara Robeco	₹92.1900	17 Jul 2026
UTI â€“ Balanced Fund-Growth	UTI	₹408.2704	17 Jul 2026
PGIM India Aggressive Hybrid Equity Fund - Dividend Option	PGIM India	₹13.9200	17 Jul 2026
Birla Sun Life 95 Fund-Plan A (Dividend)	Birla Sun Life	₹172.1500	17 Jul 2026
Escorts Balanced Fund-Dividend Option	Escorts	₹65.3407	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹38.2850
16 Jul 2026	₹38.1960
15 Jul 2026	₹38.3680
14 Jul 2026	₹38.0840
13 Jul 2026	₹38.3020
10 Jul 2026	₹38.4170
9 Jul 2026	₹38.0320
8 Jul 2026	₹37.6990
7 Jul 2026	₹38.3810
6 Jul 2026	₹38.3930

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of Kotak Balance is ₹38.2850. It's a Aggressive Hybrid Fund from Kotak Mahindra, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Kotak Balance has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Kotak Balance is managed by Kotak Mahindra. It's classified by AMFI under the 'Aggressive Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Balance has delivered a absolute return of 4.04% — +6.19 pp ahead of the Aggressive Hybrid Fund category average of -2.16%. The fund ranks #4 of 33 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Kotak Balance has delivered a CAGR of 12.79% — +5.73 pp ahead of the Aggressive Hybrid Fund category average of 7.06%. The fund ranks #6 of 33 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Kotak Balance has delivered a CAGR of 12.12% — +4.6 pp ahead of the Aggressive Hybrid Fund category average of 7.52%. The fund ranks #6 of 30 in its category — the top (Q1) quartile.

₹1 lakh invested in Kotak Balance exactly 10 years ago would be worth approximately ₹244,961 today — a multiplier of 2.45×, based on the 10-year CAGR of 9.37%. The category average over the same window would have grown ₹1 lakh to ₹209,676.

A ₹10,000 monthly SIP in Kotak Balance over the last 5 years — total invested ₹600,000 — would be worth ₹801,652 today. That's an XIRR (money-weighted annualised return) of 11.53%.

A ₹10,000 monthly SIP for 10 years in Kotak Balance = ₹1,200,000 invested. It would currently be worth ₹2,240,423 (multiplier 1.87×). XIRR: 12.00%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Balance ranks #6 out of 30 funds in the Aggressive Hybrid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 7.52%; this fund delivered 12.12%.

The worst peak-to-trough decline Kotak Balance has experienced over the last 5-year window is 15.06% — its NAV fell from a high on 27 Sep 2024 to a low on 28 Feb 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Kotak Balance averaged 2.19% (best 23.72%, worst -9.83%). 43% of rolling windows ended positive. The 5-year Sharpe ratio is 0.49 — weak risk-adjusted performance.

In calendar year 2025, Kotak Balance returned 3.72% — beating the Aggressive Hybrid Fund category average of 2.10% by 1.62 pp. It ranked #13 of 31 in its category that year.

Kotak Balance is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. Kotak Balance is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 15.1%. 5-year CAGR: 12.12%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.