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: 12.56%.

Kotak

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

Latest NAV

₹57.2170

As of

3 Jun 2026

3,288 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%	-0.75%	+0.86	36 / 105	Q2
1W	-1.70%	-1.81%	+0.11	76 / 104	Q3
2W	+0.23%	-1.11%	+1.35	45 / 104	Q2
1M	-1.28%	-1.16%	-0.12	72 / 104	Q3
3M	-3.50%	+1.00%	-4.50	81 / 103	Q4
6M	-4.76%	+1.92%	-6.68	64 / 100	Q3
YTD	-4.92%	-1.23%	-3.69	62 / 98	Q3
1Y	-0.02%	+9.43%	-9.45	56 / 88	Q3
2Y	+2.96%	+5.85%	-2.89	48 / 82	Q3
3Y	+14.37%	+10.05%	+4.32	19 / 71	Q2
4Y	+14.89%	+9.63%	+5.26	6 / 39	Q1
5Y	+12.56%	+8.82%	+3.74	10 / 34	Q2
7Y	+11.56%	+10.71%	+0.85	13 / 27	Q2
10Y	+11.34%	+8.89%	+2.44	4 / 17	Q1
Inception	+12.33%	+8.04%	+4.29	31 / 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	-4.92%	-6.20%	+1.28	19 / 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

+15.42%

151 windows

min -31.5% · max 69.0%

84% positive

3-Year rolling

+12.51%

127 windows

min -9.1% · max 25.6%

94% positive

5-Year rolling

+11.64%

103 windows

min -2.9% · max 22.5%

99% positive

7-Year rolling

+10.89%

78 windows

min 6.6% · max 15.0%

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

0.60

vs risk-free 6.5%

Sortino ratio

0.93

Downside-only deviation

Max drawdown

-16.31%

Sep 2024 → Feb 2025

% 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 Flexi Cap Fund

Scheme	Fund house	NAV	As of
HDFC Flexi Cap Fund - IDCW Option - Direct Plan	HDFC	₹85.5390	3 Jun 2026
Nippon India Flexi Cap Fund - Direct Plan - IDCW Option	Nippon India	₹17.0211	3 Jun 2026
SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹58.6919	2 Jun 2026
ICICI Prudential Flexicap Fund - Direct Plan - IDCW	ICICI Prudential	₹16.7500	3 Jun 2026
Invesco India Flexi Cap Fund - Direct Plan - IDCW	Invesco	₹17.0200	3 Jun 2026
BANDHAN Flexi Cap Fund-Direct Plan-IDCW	Bandhan	₹49.6510	3 Jun 2026
quant Flexi Cap Fund - IDCW Option - Direct Plan	Quant	₹80.8500	3 Jun 2026
Aditya Birla Sun Life Flexi Cap Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹224.7300	3 Jun 2026
Motilal Oswal Flexi Cap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹31.2807	3 Jun 2026
Franklin India Flexi Cap Fund - Direct - IDCW	Franklin India	₹66.6106	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹57.2170
2 Jun 2026	₹57.3870
1 Jun 2026	₹57.3280
29 May 2026	₹57.7470
27 May 2026	₹58.4890
26 May 2026	₹58.3780
25 May 2026	₹58.4310
22 May 2026	₹57.5740
21 May 2026	₹57.3740
20 May 2026	₹57.2590

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 Flexicap Fund - Payout of Income Distribution cum capital withdrawal option- Direct is ₹57.2170. 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 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 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 -0.02% — -9.45 pp behind the Flexi Cap Fund category average of 9.43%. The fund ranks #56 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 14.37% — +4.32 pp ahead of the Flexi Cap Fund category average of 10.05%. The fund ranks #19 of 71 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 12.56% — +3.74 pp ahead of the Flexi Cap Fund category average of 8.82%. The fund ranks #10 of 34 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 ₹292,642 today — a multiplier of 2.93×, based on the 10-year CAGR of 11.34%. The category average over the same window would have grown ₹1 lakh to ₹234,455.

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 ₹797,490 today. That's an XIRR (money-weighted annualised return) of 11.32%.

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 ₹2,238,838 (multiplier 1.87×). XIRR: 11.98%. 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 34 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 8.82%; this fund delivered 12.56%.

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 11.64% (best 22.53%, worst -2.88%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.47 — 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: 12.56%.

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