Should I invest in Kotak Bond Fund?

We don't give personal investment advice. Kotak Bond Fund - Growth - Direct is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 2.4%. 5-year CAGR: 6.08%.

Kotak

Kotak Bond Fund - Growth - Direct

Latest NAV

₹88.1692

As of

3 Jun 2026

3,236 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	+0.04%	-2.27%	+2.31	47 / 1079	Q1
1W	+0.17%	-2.66%	+2.83	49 / 945	Q1
2W	+0.60%	-2.62%	+3.21	17 / 930	Q1
1M	+0.13%	-2.43%	+2.56	825 / 924	Q4
3M	-0.20%	-1.42%	+1.23	851 / 916	Q4
6M	+0.89%	-0.05%	+0.94	795 / 876	Q4
YTD	+0.55%	-0.27%	+0.82	804 / 880	Q4
1Y	+1.52%	+3.14%	-1.62	789 / 835	Q4
2Y	+5.90%	+4.08%	+1.82	667 / 807	Q4
3Y	+6.59%	+4.43%	+2.16	671 / 800	Q4
4Y	+7.15%	+7.85%	-0.70	123 / 164	Q3
5Y	+6.08%	+7.36%	-1.28	52 / 77	Q3
7Y	+7.09%	+6.45%	+0.64	12 / 39	Q2
10Y	+7.24%	+6.61%	+0.63	6 / 21	Q2
Inception	+7.52%	+5.01%	+2.51	679 / 1079	Q3

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	+0.55%	+1.71%	-1.15	87 / 91
2025	+6.47%	+6.90%	-0.43	80 / 98
2024	+9.35%	+9.13%	+0.22	12 / 103
2023	+7.88%	+7.13%	+0.75	7 / 89
2022	+2.89%	-1.01%	+3.90	49 / 220
2021	+3.46%	-0.37%	+3.82	198 / 366
2020	+13.17%	+6.75%	+6.41	2 / 486
2019	+11.65%	+7.15%	+4.50	6 / 524
2018	+6.06%	+5.66%	+0.40	158 / 269
2017	+0.51%	+6.29%	-5.78	277 / 279
2016	+15.11%	+8.41%	+6.70	4 / 241

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

+7.92%

152 windows

min -0.8% · max 18.1%

99% positive

3-Year rolling

+7.87%

127 windows

min 4.8% · max 13.1%

100% positive

5-Year rolling

+7.69%

103 windows

min 6.0% · max 9.6%

100% positive

7-Year rolling

+7.94%

79 windows

min 6.3% · max 9.8%

100% 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

2.76%

3-year · annualised

Sharpe ratio

-0.02

vs risk-free 6.5%

Sortino ratio

-0.05

Downside-only deviation

Max drawdown

-1.78%

Mar 2026 → Apr 2026

% positive months

83.3%

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 Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC FMP 1269D March 2023 - Growth Option - Direct Plan	HDFC	₹12.5263	3 Jun 2026
Nippon India Fixed Maturity Plan - XLIII - Series 1- Direct Plan - Growth Option	Nippon India	₹13.3582	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth	SBI	₹17.3852	3 Jun 2026
ICICI Prudential Bond Fund - Direct Plan - Growth	ICICI Prudential	₹43.7788	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN-GROWTH (3652 days)	Bandhan	₹17.7320	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Direct Plan - Growth Option	Aditya Birla Sun Life	₹13.5023	3 Jun 2026
Franklin India Medium to Long Duration Fund - Direct Growth	Franklin India	₹11.0072	3 Jun 2026
Kotak FMP Series 304-Direct Plan-Growth Option	Kotak	₹12.9548	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Direct - Growth	DSP	₹13.2410	3 Jun 2026
HSBC Medium to Long Duration Fund - Direct Growth	HSBC	₹47.7483	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹88.1692
2 Jun 2026	₹88.1879
1 Jun 2026	₹88.1496
29 May 2026	₹88.1346
27 May 2026	₹88.0490
26 May 2026	₹88.0414
25 May 2026	₹88.0196
22 May 2026	₹87.8521
21 May 2026	₹87.8222
20 May 2026	₹87.8125

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 Bond Fund - Growth - Direct is ₹88.1692. It's a Medium to Long Duration Fund from Kotak, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak Bond Fund - Growth - Direct has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Kotak Bond Fund - Growth - Direct is managed by Kotak. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Bond Fund - Growth - Direct has delivered a absolute return of 1.52% — -1.62 pp behind the Medium to Long Duration Fund category average of 3.14%. The fund ranks #789 of 835 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Kotak Bond Fund - Growth - Direct has delivered a CAGR of 6.59% — +2.16 pp ahead of the Medium to Long Duration Fund category average of 4.43%. The fund ranks #671 of 800 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Kotak Bond Fund - Growth - Direct has delivered a CAGR of 6.08% — -1.28 pp behind the Medium to Long Duration Fund category average of 7.36%. The fund ranks #52 of 77 in its category — the third (Q3) quartile.

₹1 lakh invested in Kotak Bond Fund - Growth - Direct exactly 10 years ago would be worth approximately ₹201,234 today — a multiplier of 2.01×, based on the 10-year CAGR of 7.24%. The category average over the same window would have grown ₹1 lakh to ₹189,685.

A ₹10,000 monthly SIP in Kotak Bond Fund - Growth - Direct over the last 5 years — total invested ₹600,000 — would be worth ₹702,465 today. That's an XIRR (money-weighted annualised return) of 6.24%.

A ₹10,000 monthly SIP for 10 years in Kotak Bond Fund - Growth - Direct = ₹1,200,000 invested. It would currently be worth ₹1,699,608 (multiplier 1.42×). XIRR: 6.77%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Bond Fund - Growth - Direct ranks #52 out of 77 funds in the Medium to Long Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 7.36%; this fund delivered 6.08%.

The worst peak-to-trough decline Kotak Bond Fund - Growth - Direct has experienced over the last 5-year window is 2.38% — its NAV fell from a high on 31 Mar 2022 to a low on 17 Jun 2022. 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 Bond Fund - Growth - Direct averaged 7.69% (best 9.63%, worst 5.96%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.21 — negative risk-adjusted performance.

In calendar year 2025, Kotak Bond Fund - Growth - Direct returned 6.47% — lagging the Medium to Long Duration Fund category average of 6.90% by 0.43 pp. It ranked #80 of 98 in its category that year.

Kotak Bond Fund - Growth - Direct is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. Kotak Bond Fund - Growth - Direct is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 2.4%. 5-year CAGR: 6.08%.

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

Kotak Bond Fund - Growth - Direct

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Medium to Long Duration Fund

Recent NAVs

Frequently asked questions

More from Kotak