Should I invest in Kotak Contra Fund?

We don't give personal investment advice. Kotak Contra Fund - Regular 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: 19.4%. 5-year CAGR: 14.32%.

Kotak Mahindra

Kotak Contra Fund - Regular Plan - Growth

Latest NAV

₹151.0150

As of

24 Jul 2026

4,998 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	-0.38%	-0.25%	-0.13	7 / 8	Q4
1W	-2.24%	-1.75%	-0.49	8 / 8	Q4
2W	-2.35%	-1.93%	-0.42	7 / 8	Q4
1M	-0.55%	-0.49%	-0.05	5 / 8	Q3
3M	+1.76%	+1.94%	-0.18	4 / 6	Q3
6M	+0.27%	-2.42%	+2.69	2 / 6	Q2
YTD	-4.14%	-7.06%	+2.92	1 / 6	Q1
1Y	+0.04%	-4.26%	+4.30	1 / 6	Q1
2Y	+0.65%	-1.02%	+1.66	2 / 6	Q2
3Y	+15.07%	+13.01%	+2.06	1 / 6	Q1
4Y	+17.08%	+15.53%	+1.54	2 / 6	Q2
5Y	+14.32%	+13.53%	+0.79	4 / 6	Q3
7Y	+16.81%	+16.88%	-0.07	3 / 6	Q2
10Y	+15.11%	+12.57%	+2.54	1 / 6	Q1
Inception	+12.37%	+8.38%	+3.98	3 / 8	Q2

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	-4.14%	-7.06%	+2.92	1 / 6
2025	+6.85%	+5.09%	+1.77	1 / 6
2024	+21.54%	+23.26%	-1.72	4 / 6
2023	+34.85%	+33.70%	+1.15	4 / 6
2022	+7.37%	+6.41%	+0.96	4 / 6
2021	+29.50%	+33.98%	-4.47	3 / 6
2020	+14.98%	+20.95%	-5.97	5 / 6
2019	+9.99%	+1.36%	+8.63	1 / 6
2018	+3.29%	-11.40%	+14.69	1 / 6
2017	+34.10%	+33.89%	+0.21	3 / 6
2016	+6.70%	+0.47%	+6.23	1 / 6

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

+15.70%

236 windows

min -49.9% · max 96.5%

80% positive

3-Year rolling

+14.24%

211 windows

min -4.9% · max 28.6%

97% positive

5-Year rolling

+13.73%

187 windows

min 0.2% · max 29.3%

100% positive

7-Year rolling

+13.46%

163 windows

min 6.4% · max 19.5%

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

13.47%

3-year · annualised

Sharpe ratio

0.64

vs risk-free 6.5%

Sortino ratio

1.00

Downside-only deviation

Max drawdown

-19.40%

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 - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹64.6322	24 Jul 2026
Kotak Contra Fund - Regular Plan - IDCW - Payout & Re-investment of Income Distribution cum capital withdrawal option	Kotak Mahindra	₹52.0540	24 Jul 2026
Invesco India Contra Fund - Regular Plan - Growth	Religare	₹130.9900	24 Jul 2026
Motilal Oswal Contra Fund - Direct – Growth		₹10.3847	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹151.0150
23 Jul 2026	₹151.5840
22 Jul 2026	₹153.2050
21 Jul 2026	₹154.7430
20 Jul 2026	₹154.5090
17 Jul 2026	₹154.4710
16 Jul 2026	₹153.8420
15 Jul 2026	₹154.0000
14 Jul 2026	₹152.9220
13 Jul 2026	₹154.2770

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 24 Jul 2026, the NAV of Kotak Contra Fund - Regular Plan - Growth is ₹151.0150. It's a Contra Fund from Kotak Mahindra, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak Contra Fund - Regular Plan - Growth 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 Contra Fund - Regular Plan - Growth is managed by Kotak Mahindra. 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 - Regular Plan - Growth has delivered a absolute return of 0.04% — +4.3 pp ahead of the Contra Fund category average of -4.26%. The fund ranks #1 of 6 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Kotak Contra Fund - Regular Plan - Growth has delivered a CAGR of 15.07% — +2.06 pp ahead of the Contra Fund category average of 13.01%. The fund ranks #1 of 6 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Kotak Contra Fund - Regular Plan - Growth has delivered a CAGR of 14.32% — +0.79 pp ahead of the Contra Fund category average of 13.53%. The fund ranks #4 of 6 in its category — the third (Q3) quartile.

₹1 lakh invested in Kotak Contra Fund - Regular Plan - Growth exactly 10 years ago would be worth approximately ₹408,471 today — a multiplier of 4.08×, based on the 10-year CAGR of 15.11%. The category average over the same window would have grown ₹1 lakh to ₹326,750.

A ₹10,000 monthly SIP in Kotak Contra Fund - Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹836,830 today. That's an XIRR (money-weighted annualised return) of 13.27%.

A ₹10,000 monthly SIP for 10 years in Kotak Contra Fund - Regular Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹2,712,386 (multiplier 2.26×). XIRR: 15.57%. 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 - Regular Plan - Growth ranks #4 out of 6 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 13.53%; this fund delivered 14.32%.

The worst peak-to-trough decline Kotak Contra Fund - Regular Plan - Growth has experienced over the last 5-year window is 19.40% — 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 - Regular Plan - Growth averaged 13.73% (best 29.25%, worst 0.20%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.59 — reasonable risk-adjusted performance.

In calendar year 2025, Kotak Contra Fund - Regular Plan - Growth returned 6.85% — beating the Contra Fund category average of 5.09% by 1.77 pp. It ranked #1 of 6 in its category that year.

Kotak Contra Fund - Regular 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 - Regular 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: 19.4%. 5-year CAGR: 14.32%.

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