Should I invest in Kotak Flexicap Fund?

We don't give personal investment advice. Kotak Flexicap Fund - Growth - Direct 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: 17.8%. 5-year CAGR: 12.80%.

Kotak

Kotak Flexicap Fund - Growth - Direct

Latest NAV

₹97.6530

As of

17 Jul 2026

3,328 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	+0.58%	+0.10%	+0.48	6 / 104	Q1
1W	-0.07%	-0.02%	-0.04	59 / 103	Q3
2W	-0.02%	+0.10%	-0.12	69 / 102	Q3
1M	+1.42%	+1.52%	-0.09	58 / 101	Q3
3M	+0.89%	+5.34%	-4.45	80 / 100	Q4
6M	-0.62%	+9.00%	-9.61	76 / 99	Q4
YTD	-1.19%	+4.61%	-5.80	71 / 99	Q3
1Y	+1.00%	+18.02%	-17.03	74 / 90	Q4
2Y	+2.42%	+9.96%	-7.54	68 / 84	Q4
3Y	+13.76%	+13.26%	+0.49	33 / 76	Q2
4Y	+16.02%	+15.27%	+0.75	17 / 41	Q2
5Y	+12.80%	+14.07%	-1.27	18 / 34	Q3
7Y	+14.81%	+15.95%	-1.14	14 / 23	Q3
10Y	+14.23%	+14.34%	-0.11	9 / 18	Q2
Inception	+15.74%	+11.59%	+4.15	26 / 104	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	-1.19%	+0.72%	-1.91	28 / 44
2025	+10.11%	+3.69%	+6.41	4 / 39
2024	+17.48%	+20.93%	-3.45	25 / 40
2023	+24.64%	+29.96%	-5.32	29 / 34
2022	+5.98%	+1.56%	+4.42	6 / 34
2021	+26.05%	+25.89%	+0.16	31 / 52
2020	+12.85%	+15.92%	-3.07	29 / 58
2019	+12.93%	+7.18%	+5.75	10 / 69
2018	+0.70%	-5.07%	+5.77	4 / 34
2017	+34.57%	+36.55%	-1.97	20 / 31
2016	+9.97%	+3.36%	+6.60	3 / 31

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

+18.94%

153 windows

min -21.9% · max 75.7%

90% positive

3-Year rolling

+16.73%

129 windows

min -1.6% · max 30.8%

99% positive

5-Year rolling

+15.96%

105 windows

min 5.1% · max 25.8%

100% positive

7-Year rolling

+15.25%

80 windows

min 12.2% · max 20.3%

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

13.15%

3-year · annualised

Sharpe ratio

0.56

vs risk-free 6.5%

Sortino ratio

0.95

Downside-only deviation

Max drawdown

-16.30%

Sep 2024 → Feb 2025

% positive months

63.9%

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 Flexi Cap Fund

Scheme	Fund house	NAV	As of
HDFC Flexi Cap Fund - Growth Option - Direct Plan	HDFC	₹2,248.7410	17 Jul 2026
Nippon India Flexi Cap Fund - Direct Plan - Growth Plan - Growth Option	Nippon India	₹17.9459	17 Jul 2026
SBI Flexicap Fund - DIRECT PLAN - Growth Option	SBI	₹121.4251	17 Jul 2026
ICICI Prudential Flexicap Fund - Direct Plan - Growth	ICICI Prudential	₹21.1200	17 Jul 2026
Invesco India Flexi Cap Fund - Direct Plan - Growth	Invesco	₹20.6200	17 Jul 2026
BANDHAN Flexi Cap Fund-Direct Plan-Growth	Bandhan	₹232.8250	17 Jul 2026
quant Flexi Cap Fund - Growth Option-Direct Plan	Quant	₹122.1976	17 Jul 2026
Aditya Birla Sun Life Flexi Cap Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹2,165.0600	17 Jul 2026
Motilal Oswal Flexi cap Fund Direct Plan-Growth Option	Motilal Oswal	₹67.6885	17 Jul 2026
Franklin India Flexi Cap Fund - Direct - Growth	Franklin India	₹1,808.6718	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹97.6530
16 Jul 2026	₹97.0910
15 Jul 2026	₹97.2480
14 Jul 2026	₹96.6930
13 Jul 2026	₹97.3830
10 Jul 2026	₹97.7180
9 Jul 2026	₹96.5670
8 Jul 2026	₹95.9310
7 Jul 2026	₹98.0530
6 Jul 2026	₹98.2390

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 Flexicap Fund - Growth - Direct is ₹97.6530. It's a Flexi Cap Fund from Kotak, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak Flexicap Fund - Growth - Direct has NAV history starting from 04 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 Flexicap Fund - Growth - Direct is managed by Kotak. It's classified by AMFI under the 'Flexi Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Flexicap Fund - Growth - Direct has delivered a absolute return of 1.00% — -17.03 pp behind the Flexi Cap Fund category average of 18.02%. The fund ranks #74 of 90 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Kotak Flexicap Fund - Growth - Direct has delivered a CAGR of 13.76% — +0.49 pp ahead of the Flexi Cap Fund category average of 13.26%. The fund ranks #33 of 76 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Kotak Flexicap Fund - Growth - Direct has delivered a CAGR of 12.80% — -1.27 pp behind the Flexi Cap Fund category average of 14.07%. The fund ranks #18 of 34 in its category — the third (Q3) quartile.

₹1 lakh invested in Kotak Flexicap Fund - Growth - Direct exactly 10 years ago would be worth approximately ₹378,296 today — a multiplier of 3.78×, based on the 10-year CAGR of 14.23%. The category average over the same window would have grown ₹1 lakh to ₹382,055.

A ₹10,000 monthly SIP in Kotak Flexicap Fund - Growth - Direct over the last 5 years — total invested ₹600,000 — would be worth ₹815,403 today. That's an XIRR (money-weighted annualised return) of 12.22%.

A ₹10,000 monthly SIP for 10 years in Kotak Flexicap Fund - Growth - Direct = ₹1,200,000 invested. It would currently be worth ₹2,498,195 (multiplier 2.08×). XIRR: 14.03%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Flexicap Fund - Growth - Direct ranks #18 out of 34 funds in the Flexi Cap Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 14.07%; this fund delivered 12.80%.

The worst peak-to-trough decline Kotak Flexicap Fund - Growth - Direct has experienced over the last 5-year window is 17.77% — its NAV fell from a high on 17 Jan 2022 to a low on 20 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 Flexicap Fund - Growth - Direct averaged 15.96% (best 25.84%, worst 5.07%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.45 — weak risk-adjusted performance.

In calendar year 2025, Kotak Flexicap Fund - Growth - Direct returned 10.11% — beating the Flexi Cap Fund category average of 3.69% by 6.41 pp. It ranked #4 of 39 in its category that year.

Kotak Flexicap Fund - Growth - Direct 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 Flexicap Fund - Growth - Direct 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: 17.8%. 5-year CAGR: 12.80%.

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