Should I invest in Kotak Debt Hybrid?

We don't give personal investment advice. Kotak Debt Hybrid - Growth - Direct is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.4%. 5-year CAGR: 9.14%.

Kotak

Kotak Debt Hybrid - Growth - Direct

Latest NAV

₹67.9807

As of

3 Jun 2026

3,216 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	+0.10%	+28.03%	-27.93	11 / 19	Q3
1W	-0.28%	+21.43%	-21.71	13 / 20	Q3
2W	+0.14%	+21.87%	-21.73	12 / 20	Q3
1M	-0.50%	+17.95%	-18.44	15 / 20	Q3
3M	-1.44%	+24.54%	-25.99	17 / 19	Q4
6M	-1.18%	+17.20%	-18.38	13 / 18	Q3
YTD	-1.82%	+9.83%	-11.65	16 / 19	Q4
1Y	+0.53%	+20.85%	-20.31	15 / 18	Q4
2Y	+4.85%	+10.57%	-5.72	16 / 18	Q4
3Y	+9.17%	+8.42%	+0.75	6 / 17	Q2
4Y	+9.87%	+8.73%	+1.14	2 / 17	Q1
5Y	+9.14%	+8.00%	+1.13	3 / 16	Q1
7Y	+10.62%	+8.39%	+2.24	1 / 15	Q1
10Y	+10.17%	+8.30%	+1.87	1 / 15	Q1
Inception	+10.31%	+22.72%	-12.42	4 / 18	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	-1.82%	-0.59%	-1.23	15 / 17
2025	+6.48%	+6.91%	-0.44	12 / 17
2024	+12.62%	+11.24%	+1.38	3 / 17
2023	+15.34%	+11.79%	+3.55	1 / 17
2022	+5.71%	+21.59%	-15.89	6 / 17
2021	+14.54%	+3.40%	+11.15	2 / 17
2020	+14.95%	+10.27%	+4.68	2 / 15
2019	+12.44%	+7.64%	+4.80	1 / 15
2018	+1.28%	+2.08%	-0.80	9 / 15
2017	+10.45%	+10.89%	-0.44	8 / 15
2016	+14.16%	+10.70%	+3.46	1 / 15

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

+11.24%

151 windows

min -0.8% · max 27.2%

97% positive

3-Year rolling

+11.08%

127 windows

min 4.3% · max 15.9%

100% positive

5-Year rolling

+10.87%

102 windows

min 6.8% · max 14.0%

100% positive

7-Year rolling

+10.86%

78 windows

min 8.9% · max 12.2%

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

5.29%

3-year · annualised

Sharpe ratio

0.46

vs risk-free 6.5%

Sortino ratio

0.86

Downside-only deviation

Max drawdown

-3.98%

Jan 2026 → Mar 2026

% positive months

75.0%

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 Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC Hybrid Debt Fund - Growth Option - Direct Plan	HDFC	₹87.6361	3 Jun 2026
Nippon India Conservative Hybrid Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹67.3366	3 Jun 2026
SBI Conservative Hybrid Fund - Direct Plan - Growth	SBI	₹82.3146	3 Jun 2026
ICICI Prudential Regular Savings Fund - Direct Plan - Growth	ICICI Prudential	₹85.9815	3 Jun 2026
BANDHAN Conservative Hybrid Fund-Direct Plan-Growth	Bandhan	₹36.1366	3 Jun 2026
Aditya Birla Sun Life Regular Savings Fund - Growth / Payment - Direct Plan	Aditya Birla Sun Life	₹77.2696	3 Jun 2026
Franklin India Conservative Hybrid Fund - Direct - GROWTH	Franklin India	₹100.2188	3 Jun 2026
Parag Parikh Conservative Hybrid Fund - Direct Plan - Growth	Parag Parikh	₹15.7248	3 Jun 2026
DSP Regular Savings Fund - Direct Plan - Growth	DSP	₹67.7367	3 Jun 2026
HSBC Conservative Hybrid Fund - Direct Growth	HSBC	₹70.4441	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹67.9807
2 Jun 2026	₹68.0020
1 Jun 2026	₹67.9348
29 May 2026	₹68.0365
27 May 2026	₹68.2159
26 May 2026	₹68.1898
25 May 2026	₹68.2485
22 May 2026	₹67.9852
21 May 2026	₹67.9241
20 May 2026	₹67.9475

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 Debt Hybrid - Growth - Direct is ₹67.9807. It's a Conservative Hybrid Fund from Kotak, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak Debt Hybrid - Growth - Direct has NAV history starting from 30 Jan 2013, a track record of about 13 years 4 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 Debt Hybrid - Growth - Direct is managed by Kotak. It's classified by AMFI under the 'Conservative Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Debt Hybrid - Growth - Direct has delivered a absolute return of 0.53% — -20.31 pp behind the Conservative Hybrid Fund category average of 20.85%. The fund ranks #15 of 18 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Kotak Debt Hybrid - Growth - Direct has delivered a CAGR of 9.17% — +0.75 pp ahead of the Conservative Hybrid Fund category average of 8.42%. The fund ranks #6 of 17 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Kotak Debt Hybrid - Growth - Direct has delivered a CAGR of 9.14% — +1.13 pp ahead of the Conservative Hybrid Fund category average of 8.00%. The fund ranks #3 of 16 in its category — the top (Q1) quartile.

₹1 lakh invested in Kotak Debt Hybrid - Growth - Direct exactly 10 years ago would be worth approximately ₹263,511 today — a multiplier of 2.64×, based on the 10-year CAGR of 10.17%. The category average over the same window would have grown ₹1 lakh to ₹222,018.

A ₹10,000 monthly SIP in Kotak Debt Hybrid - Growth - Direct over the last 5 years — total invested ₹600,000 — would be worth ₹734,703 today. That's an XIRR (money-weighted annualised return) of 8.03%.

A ₹10,000 monthly SIP for 10 years in Kotak Debt Hybrid - Growth - Direct = ₹1,200,000 invested. It would currently be worth ₹1,992,101 (multiplier 1.66×). XIRR: 9.78%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Debt Hybrid - Growth - Direct ranks #3 out of 16 funds in the Conservative Hybrid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 8.00%; this fund delivered 9.14%.

The worst peak-to-trough decline Kotak Debt Hybrid - Growth - Direct has experienced over the last 5-year window is 4.42% — its NAV fell from a high on 05 Apr 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 Debt Hybrid - Growth - Direct averaged 10.87% (best 13.96%, worst 6.83%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.49 — weak risk-adjusted performance.

In calendar year 2025, Kotak Debt Hybrid - Growth - Direct returned 6.48% — lagging the Conservative Hybrid Fund category average of 6.91% by 0.44 pp. It ranked #12 of 17 in its category that year.

Kotak Debt Hybrid - Growth - Direct is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

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

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.4%. 5-year CAGR: 9.14%.

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

Kotak Debt Hybrid - Growth - Direct

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Conservative Hybrid Fund

Recent NAVs

Frequently asked questions

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