Should I invest in Kotak Bond-Regular?

We don't give personal investment advice. Kotak Bond-Regular-Growth 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: 2.8%. 5-year CAGR: 5.49%.

Kotak Mahindra

Kotak Bond-Regular-Growth

Latest NAV

₹79.9311

As of

17 Jul 2026

4,901 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	-0.07%	-5.54%	+5.47	220 / 472	Q2
1W	-0.30%	-6.74%	+6.45	181 / 472	Q2
2W	-0.25%	-6.68%	+6.44	172 / 472	Q2
1M	+1.05%	-6.66%	+7.71	6 / 472	Q1
3M	+2.54%	-6.55%	+9.10	4 / 471	Q1
6M	+3.26%	-6.19%	+9.45	19 / 443	Q1
YTD	+2.83%	-6.25%	+9.09	42 / 452	Q1
1Y	+3.48%	-4.03%	+7.51	122 / 439	Q2
2Y	+5.82%	+0.31%	+5.52	107 / 439	Q1
3Y	+6.27%	+1.74%	+4.52	121 / 439	Q2
4Y	+6.57%	+4.11%	+2.46	37 / 65	Q3
5Y	+5.49%	+3.99%	+1.50	25 / 47	Q3
7Y	+5.86%	+5.20%	+0.66	12 / 23	Q3
10Y	+6.17%	+3.99%	+2.19	3 / 17	Q1
Inception	+7.52%	+1.98%	+5.54	41 / 472	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	+2.83%	+1.14%	+1.70	28 / 87
2025	+5.46%	+6.36%	-0.90	74 / 88
2024	+8.26%	+6.97%	+1.29	17 / 94
2023	+6.67%	+6.24%	+0.42	52 / 71
2022	+1.71%	-4.59%	+6.30	41 / 133
2021	+2.41%	-3.01%	+5.43	73 / 236
2020	+11.95%	+1.27%	+10.69	2 / 344
2019	+10.51%	+2.87%	+7.64	7 / 301
2018	+5.13%	+2.79%	+2.35	78 / 187
2017	-0.39%	+5.18%	-5.58	60 / 71
2016	+14.18%	+8.01%	+6.17	3 / 35

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

+7.71%

236 windows

min -1.3% · max 20.6%

97% positive

3-Year rolling

+7.57%

211 windows

min 3.6% · max 12.5%

100% positive

5-Year rolling

+7.52%

187 windows

min 4.8% · max 10.6%

100% positive

7-Year rolling

+7.62%

163 windows

min 5.0% · max 9.9%

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

2.45%

3-year · annualised

Sharpe ratio

-0.13

vs risk-free 6.5%

Sortino ratio

-0.40

Downside-only deviation

Max drawdown

-1.96%

May 2025 → Aug 2025

% positive months

72.2%

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
Nippon India Fixed Maturity Plan-XLIII-Series 5- Regular Plan-Payout of IDCW	Nippon India	₹13.3689	17 Jul 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.4779	17 Jul 2026
BANDHAN Fixed Term Plan Series 179 REGULAR PLAN PERIODIC-IDCW (3652 days)	Bandhan	₹15.2970	17 Jul 2026
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 days) - Regular Plan - Payout of IDCW Option	Aditya Birla Sun Life	₹13.5537	17 Jul 2026
Kotak Bond-Regular-Annual Dividend	Kotak Mahindra	₹48.9714	17 Jul 2026
Kotak FMP Series 304-Regular Plan-Payout of IDCW	Kotak	₹13.2822	17 Jul 2026
DSP FMP Series - 264 - 60M - 17D - Regular - IDCW	DSP	₹13.2416	17 Jul 2026
HSBC Income Fund - Investment - Regular - Dividend	HSBC	₹10.6599	17 Jul 2026
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days) - Regular Plan - Payout of IDCW Option	UTI	₹12.2216	17 Jul 2026
Axis Fixed Term Plan - Series 113 (1228 Days) - Regular Plan - Half Yearly IDCW	Axis	₹12.5758	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹79.9311
16 Jul 2026	₹79.9893
15 Jul 2026	₹79.8881
14 Jul 2026	₹79.7930
13 Jul 2026	₹80.0764
10 Jul 2026	₹80.1708
9 Jul 2026	₹80.0551
8 Jul 2026	₹80.0089
7 Jul 2026	₹80.2099
6 Jul 2026	₹80.1838

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 Bond-Regular-Growth is ₹79.9311. It's a Medium to Long Duration Fund from Kotak Mahindra, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Kotak Bond-Regular-Growth has NAV history starting from 02 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 Bond-Regular-Growth is managed by Kotak Mahindra. 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-Regular-Growth has delivered a absolute return of 3.48% — +7.51 pp ahead of the Medium to Long Duration Fund category average of -4.03%. The fund ranks #122 of 439 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Kotak Bond-Regular-Growth has delivered a CAGR of 6.27% — +4.52 pp ahead of the Medium to Long Duration Fund category average of 1.74%. The fund ranks #121 of 439 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Kotak Bond-Regular-Growth has delivered a CAGR of 5.49% — +1.5 pp ahead of the Medium to Long Duration Fund category average of 3.99%. The fund ranks #25 of 47 in its category — the third (Q3) quartile.

₹1 lakh invested in Kotak Bond-Regular-Growth exactly 10 years ago would be worth approximately ₹181,985 today — a multiplier of 1.82×, based on the 10-year CAGR of 6.17%. The category average over the same window would have grown ₹1 lakh to ₹147,815.

A ₹10,000 monthly SIP in Kotak Bond-Regular-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹697,594 today. That's an XIRR (money-weighted annualised return) of 5.96%.

A ₹10,000 monthly SIP for 10 years in Kotak Bond-Regular-Growth = ₹1,200,000 invested. It would currently be worth ₹1,636,033 (multiplier 1.36×). XIRR: 6.04%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Bond-Regular-Growth ranks #25 out of 47 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 3.99%; this fund delivered 5.49%.

The worst peak-to-trough decline Kotak Bond-Regular-Growth has experienced over the last 5-year window is 2.85% — its NAV fell from a high on 16 Dec 2021 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-Regular-Growth averaged 7.52% (best 10.61%, worst 4.77%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.46 — negative risk-adjusted performance.

In calendar year 2025, Kotak Bond-Regular-Growth returned 5.46% — lagging the Medium to Long Duration Fund category average of 6.36% by 0.90 pp. It ranked #74 of 88 in its category that year.

Kotak Bond-Regular-Growth 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-Regular-Growth 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: 2.8%. 5-year CAGR: 5.49%.

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

Kotak Bond-Regular-Growth

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

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