Should I invest in Kotak Banking & Financial Services Fund?

We don't give personal investment advice. Kotak Banking & Financial Services Fund - Regular Plan - IDCW Payout is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding.

Kotak

Kotak Banking & Financial Services Fund - Regular Plan - IDCW Payout

Latest NAV

₹15.1900

As of

3 Jun 2026

795 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	-0.25%	+0.26%	-0.51	141 / 168	Q4
1W	-3.10%	-1.38%	-1.72	153 / 168	Q4
2W	-0.79%	-0.76%	-0.03	114 / 170	Q3
1M	-3.15%	-1.31%	-1.84	148 / 170	Q4
3M	-6.95%	+0.23%	-7.18	147 / 168	Q4
6M	-5.93%	-4.26%	-1.67	99 / 160	Q3
YTD	-6.63%	-4.32%	-2.31	98 / 160	Q3
1Y	-0.82%	+0.77%	-1.59	84 / 146	Q3
2Y	+5.35%	+0.22%	+5.13	28 / 104	Q2
3Y	+11.16%	+9.45%	+1.71	37 / 69	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+13.42%	+5.31%	+8.10	41 / 170	Q1

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	-6.63%	-3.11%	-3.52	98 / 158
2025	+13.76%	-0.40%	+14.16	13 / 129
2024	+12.37%	+19.58%	-7.21	60 / 84
2023	—	—	—	—

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

+14.15%

28 windows

min -0.8% · max 25.4%

96% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+13.16%

4 windows

min 11.2% · max 16.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

13.70%

3-year · annualised

Sharpe ratio

0.37

vs risk-free 6.5%

Sortino ratio

0.56

Downside-only deviation

Max drawdown

-16.84%

Feb 2026 → Mar 2026

% positive months

63.9%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC INNOVATION FUND - IDCW - REGULAR PLAN	HDFC	₹10.4050	3 Jun 2026
Nippon India Active Momentum Fund- Regular Plan- IDCW Option	Nippon India	₹12.0306	3 Jun 2026
SBI Automotive Opportunities Fund - Regular Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.4968	3 Jun 2026
Invesco India Business Cycle Fund - Regular Plan - IDCW	Invesco	₹13.0300	3 Jun 2026
Bandhan Business Cycle Fund - Regular Plan - IDCW	Bandhan	₹9.3840	3 Jun 2026
quant BFSI Fund - IDCW Option - Regular Plan	Quant	₹19.3086	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - REGULAR - IDCW	Aditya Birla Sun Life	₹21.5800	3 Jun 2026
Motilal Oswal Active Momentum Fund - Regular- IDCW	Motilal Oswal	₹13.3125	3 Jun 2026
Mirae Asset Banking and Financial Services Fund Regular IDCW	Mirae Asset	₹20.1370	3 Jun 2026
Kotak Active Momentum Fund - Regular Plan - IDCW - Payout & Reinvestment	Kotak	₹10.2820	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹15.1900
2 Jun 2026	₹15.1230
1 Jun 2026	₹15.1610
29 May 2026	₹15.3350
27 May 2026	₹15.5440
26 May 2026	₹15.6070
25 May 2026	₹15.6690
22 May 2026	₹15.3740
21 May 2026	₹15.2580
20 May 2026	₹15.2820

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 03 Jun 2026, the NAV of Kotak Banking & Financial Services Fund - Regular Plan - IDCW Payout is ₹15.1900. It's a Sectoral/Thematic Fund from Kotak, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Kotak Banking & Financial Services Fund - Regular Plan - IDCW Payout has NAV history starting from 06 Mar 2023, a track record of about 3 years 2 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

Kotak Banking & Financial Services Fund - Regular Plan - IDCW Payout is managed by Kotak. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Banking & Financial Services Fund - Regular Plan - IDCW Payout has delivered a absolute return of -0.82% — -1.59 pp behind the Sectoral/Thematic Fund category average of 0.77%. The fund ranks #84 of 146 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Kotak Banking & Financial Services Fund - Regular Plan - IDCW Payout has delivered a CAGR of 11.16% — +1.71 pp ahead of the Sectoral/Thematic Fund category average of 9.45%. The fund ranks #37 of 69 in its category — the third (Q3) quartile.

Kotak Banking & Financial Services Fund - Regular Plan - IDCW Payout doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Kotak Banking & Financial Services Fund - Regular Plan - IDCW Payout exactly 3 years ago would be worth approximately ₹137,357 today — a multiplier of 1.37×, based on the 3-year CAGR of 11.16%. The category average over the same window would have grown ₹1 lakh to ₹131,124.

A ₹10,000 monthly SIP in Kotak Banking & Financial Services Fund - Regular Plan - IDCW Payout over the last 3 years — total invested ₹360,000 — would be worth ₹397,237 today. That's an XIRR (money-weighted annualised return) of 6.49%.

Kotak Banking & Financial Services Fund - Regular Plan - IDCW Payout doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹397,237 — XIRR 6.49%.

On a 3-year basis, Kotak Banking & Financial Services Fund - Regular Plan - IDCW Payout ranks #37 out of 69 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 9.45%; this fund delivered 11.16%.

The worst peak-to-trough decline Kotak Banking & Financial Services Fund - Regular Plan - IDCW Payout has experienced over the last 3-year window is 16.84% — its NAV fell from a high on 18 Feb 2026 to a low on 31 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, Kotak Banking & Financial Services Fund - Regular Plan - IDCW Payout averaged 13.16% (best 16.48%, worst 11.16%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.37 — weak risk-adjusted performance.

In calendar year 2025, Kotak Banking & Financial Services Fund - Regular Plan - IDCW Payout returned 13.76% — beating the Sectoral/Thematic Fund category average of -0.40% by 14.16 pp. It ranked #13 of 129 in its category that year.

Kotak Banking & Financial Services Fund - Regular Plan - IDCW Payout is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. Kotak Banking & Financial Services Fund - Regular Plan - IDCW Payout is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding.

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