Should I invest in Kotak Contra Fund?

We don't give personal investment advice. Kotak Contra Fund - Direct Plan - Growth 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. Worst 5-year drawdown: 18.9%. 5-year CAGR: 16.57%.

Kotak

Kotak Contra Fund - Direct Plan - Growth

Latest NAV

₹184.4840

As of

17 Jul 2026

3,330 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.

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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	+0.41%	+0.40%	+0.01	2 / 3	Q3
1W	-0.09%	+0.01%	-0.10	2 / 3	Q3
2W	+0.54%	+0.45%	+0.08	2 / 3	Q3
1M	+2.35%	+1.76%	+0.59	1 / 3	Q2
3M	+3.68%	+2.65%	+1.03	1 / 3	Q2
6M	+0.20%	-1.56%	+1.76	1 / 3	Q2
YTD	-1.27%	-3.07%	+1.79	1 / 3	Q2
1Y	+3.13%	-0.10%	+3.24	1 / 3	Q2
2Y	+2.53%	+1.60%	+0.92	2 / 3	Q3
3Y	+17.72%	+15.91%	+1.81	1 / 3	Q2
4Y	+20.05%	+18.63%	+1.42	1 / 3	Q2
5Y	+16.57%	+16.08%	+0.50	2 / 3	Q3
7Y	+18.63%	+19.31%	-0.68	2 / 3	Q3
10Y	+17.13%	+16.61%	+0.52	1 / 3	Q2
Inception	+16.39%	+16.49%	-0.10	2 / 3	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	-1.27%	-3.07%	+1.79	1 / 3
2025	+8.23%	+6.22%	+2.01	1 / 3
2024	+23.16%	+24.67%	-1.51	2 / 3
2023	+36.69%	+35.24%	+1.45	2 / 3
2022	+8.88%	+9.20%	-0.32	2 / 3
2021	+31.26%	+37.39%	-6.14	2 / 3
2020	+16.51%	+23.31%	-6.80	3 / 3
2019	+11.59%	+5.91%	+5.68	1 / 3
2018	+4.55%	-3.44%	+7.99	1 / 3
2017	+36.44%	+41.18%	-4.74	3 / 3
2016	+8.41%	+6.26%	+2.16	1 / 3

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

+19.30%

153 windows

min -22.0% · max 67.8%

90% positive

3-Year rolling

+17.86%

129 windows

min 1.0% · max 34.3%

100% positive

5-Year rolling

+17.47%

105 windows

min 4.0% · max 31.3%

100% positive

7-Year rolling

+16.74%

80 windows

min 9.3% · max 21.5%

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

14.14%

3-year · annualised

Sharpe ratio

0.77

vs risk-free 6.5%

Sortino ratio

1.31

Downside-only deviation

Max drawdown

-18.95%

Sep 2024 → Feb 2025

% positive months

69.4%

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 Contra Fund

Scheme	Fund house	NAV	As of
SBI CONTRA FUND - DIRECT PLAN - GROWTH	SBI	₹416.6236	17 Jul 2026
Invesco India Contra Fund - Direct Plan - Growth	Invesco	₹158.2900	17 Jul 2026
Kotak Contra Scheme---Dividend	Kotak Mahindra	₹53.2450	17 Jul 2026
Motilal Oswal Contra Fund - Direct – Growth		₹10.5188	17 Jul 2026
Religare Contra Fund - Dividend	Religare	₹48.9400	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹184.4840
16 Jul 2026	₹183.7260
15 Jul 2026	₹183.9090
14 Jul 2026	₹182.6150
13 Jul 2026	₹184.2270
10 Jul 2026	₹184.6520
9 Jul 2026	₹182.1600
8 Jul 2026	₹180.6390
7 Jul 2026	₹184.3460
6 Jul 2026	₹184.7990

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 Contra Fund - Direct Plan - Growth is ₹184.4840. It's a Contra Fund from Kotak, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak Contra Fund - Direct Plan - Growth has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 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 Contra Fund - Direct Plan - Growth is managed by Kotak. It's classified by AMFI under the 'Contra Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Contra Fund - Direct Plan - Growth has delivered a absolute return of 3.13% — +3.24 pp ahead of the Contra Fund category average of -0.10%. The fund ranks #1 of 3 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Kotak Contra Fund - Direct Plan - Growth has delivered a CAGR of 17.72% — +1.81 pp ahead of the Contra Fund category average of 15.91%. The fund ranks #1 of 3 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Kotak Contra Fund - Direct Plan - Growth has delivered a CAGR of 16.57% — +0.5 pp ahead of the Contra Fund category average of 16.08%. The fund ranks #2 of 3 in its category — the third (Q3) quartile.

₹1 lakh invested in Kotak Contra Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹486,021 today — a multiplier of 4.86×, based on the 10-year CAGR of 17.13%. The category average over the same window would have grown ₹1 lakh to ₹465,066.

A ₹10,000 monthly SIP in Kotak Contra Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹885,290 today. That's an XIRR (money-weighted annualised return) of 15.55%.

A ₹10,000 monthly SIP for 10 years in Kotak Contra Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹3,011,098 (multiplier 2.51×). XIRR: 17.51%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Contra Fund - Direct Plan - Growth ranks #2 out of 3 funds in the Contra Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 16.08%; this fund delivered 16.57%.

The worst peak-to-trough decline Kotak Contra Fund - Direct Plan - Growth has experienced over the last 5-year window is 18.95% — its NAV fell from a high on 26 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 Contra Fund - Direct Plan - Growth averaged 17.47% (best 31.32%, worst 3.99%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.68 — reasonable risk-adjusted performance.

In calendar year 2025, Kotak Contra Fund - Direct Plan - Growth returned 8.23% — beating the Contra Fund category average of 6.22% by 2.01 pp. It ranked #1 of 3 in its category that year.

Kotak Contra Fund - Direct Plan - Growth 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 Contra Fund - Direct Plan - Growth 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. Worst 5-year drawdown: 18.9%. 5-year CAGR: 16.57%.

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

Kotak Contra Fund - Direct Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Contra Fund

Recent NAVs

Frequently asked questions

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