Should I invest in Kotak Flexicap Fund?

We don't give personal investment advice. Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option- 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 - Payout of Income Distribution cum capital withdrawal option- Direct

Latest NAV

₹59.6370

As of

17 Jul 2026

3,319 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%	-0.75%	+1.33	7 / 105	Q1
1W	-0.07%	-1.14%	+1.07	54 / 104	Q3
2W	-0.03%	-1.11%	+1.09	62 / 104	Q3
1M	+1.42%	-0.05%	+1.48	48 / 104	Q2
3M	+0.88%	+3.22%	-2.34	73 / 103	Q3
6M	-0.62%	+4.88%	-5.50	64 / 100	Q3
YTD	-1.19%	+0.89%	-2.09	58 / 98	Q3
1Y	+0.99%	+10.06%	-9.06	57 / 88	Q3
2Y	+2.42%	+5.19%	-2.77	44 / 82	Q3
3Y	+13.76%	+9.89%	+3.86	19 / 73	Q2
4Y	+16.02%	+10.57%	+5.45	7 / 43	Q1
5Y	+12.80%	+9.11%	+3.69	10 / 36	Q2
7Y	+13.17%	+12.20%	+0.97	12 / 27	Q2
10Y	+11.05%	+8.87%	+2.18	4 / 17	Q1
Inception	+12.53%	+8.47%	+4.06	30 / 105	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	-1.19%	-1.68%	+0.49	22 / 46
2025	+10.10%	+1.97%	+8.14	3 / 43
2024	+17.48%	+18.83%	-1.35	19 / 42
2023	+24.64%	+26.32%	-1.68	25 / 36
2022	+5.98%	-2.27%	+8.25	5 / 36
2021	+26.05%	+23.11%	+2.94	27 / 50
2020	+8.21%	+11.58%	-3.36	37 / 56
2019	+6.46%	+5.80%	+0.67	33 / 68
2018	-5.29%	-11.53%	+6.24	7 / 33
2017	+26.46%	+29.49%	-3.03	17 / 30
2016	+3.75%	-0.10%	+3.85	7 / 30

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

+15.29%

153 windows

min -26.4% · max 66.0%

86% positive

3-Year rolling

+12.85%

128 windows

min -7.4% · max 27.1%

94% positive

5-Year rolling

+11.82%

104 windows

min -0.9% · max 24.6%

98% positive

7-Year rolling

+10.99%

80 windows

min 6.9% · max 15.5%

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

13.15%

3-year · annualised

Sharpe ratio

0.56

vs risk-free 6.5%

Sortino ratio

0.95

Downside-only deviation

Max drawdown

-16.31%

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 - IDCW Option - Direct Plan	HDFC	₹90.9250	17 Jul 2026
Nippon India Flexi Cap Fund - Direct Plan - IDCW Option	Nippon India	₹17.9459	17 Jul 2026
SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹60.6918	17 Jul 2026
ICICI Prudential Flexicap Fund - Direct Plan - IDCW	ICICI Prudential	₹17.8600	17 Jul 2026
Invesco India Flexi Cap Fund - Direct Plan - IDCW	Invesco	₹18.4500	17 Jul 2026
BANDHAN Flexi Cap Fund-Direct Plan-IDCW	Bandhan	₹51.9180	17 Jul 2026
quant Flexi Cap Fund - IDCW Option - Direct Plan	Quant	₹83.0629	17 Jul 2026
Aditya Birla Sun Life Flexi Cap Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹235.7300	17 Jul 2026
Motilal Oswal Flexi Cap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹33.4858	17 Jul 2026
Franklin India Flexi Cap Fund - Direct - IDCW	Franklin India	₹69.9344	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹59.6370
16 Jul 2026	₹59.2950
15 Jul 2026	₹59.3910
14 Jul 2026	₹59.0520
13 Jul 2026	₹59.4730
10 Jul 2026	₹59.6780
9 Jul 2026	₹58.9750
8 Jul 2026	₹58.5860
7 Jul 2026	₹59.8820
6 Jul 2026	₹59.9960

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 - Payout of Income Distribution cum capital withdrawal option- Direct is ₹59.6370. It's a Flexi Cap Fund from Kotak, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option- Direct has NAV history starting from 17 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 - Payout of Income Distribution cum capital withdrawal option- 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 - Payout of Income Distribution cum capital withdrawal option- Direct has delivered a absolute return of 0.99% — -9.06 pp behind the Flexi Cap Fund category average of 10.06%. The fund ranks #57 of 88 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option- Direct has delivered a CAGR of 13.76% — +3.86 pp ahead of the Flexi Cap Fund category average of 9.89%. The fund ranks #19 of 73 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option- Direct has delivered a CAGR of 12.80% — +3.69 pp ahead of the Flexi Cap Fund category average of 9.11%. The fund ranks #10 of 36 in its category — the second (Q2) quartile.

₹1 lakh invested in Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option- Direct exactly 10 years ago would be worth approximately ₹285,167 today — a multiplier of 2.85×, based on the 10-year CAGR of 11.05%. The category average over the same window would have grown ₹1 lakh to ₹233,919.

A ₹10,000 monthly SIP in Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option- Direct over the last 5 years — total invested ₹600,000 — would be worth ₹815,392 today. That's an XIRR (money-weighted annualised return) of 12.22%.

A ₹10,000 monthly SIP for 10 years in Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option- Direct = ₹1,200,000 invested. It would currently be worth ₹2,296,557 (multiplier 1.91×). XIRR: 12.46%. 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 - Payout of Income Distribution cum capital withdrawal option- Direct ranks #10 out of 36 funds in the Flexi Cap Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 9.11%; this fund delivered 12.80%.

The worst peak-to-trough decline Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option- 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 - Payout of Income Distribution cum capital withdrawal option- Direct averaged 11.82% (best 24.60%, worst -0.89%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is 0.45 — weak risk-adjusted performance.

In calendar year 2025, Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option- Direct returned 10.10% — beating the Flexi Cap Fund category average of 1.97% by 8.14 pp. It ranked #3 of 43 in its category that year.

Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option- 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 - Payout of Income Distribution cum capital withdrawal option- 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.