Should I invest in KOTAK FLOATING RATE FUND?

We don't give personal investment advice. KOTAK FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.1%. 5-year CAGR: 6.17%.

Kotak

KOTAK FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION

Latest NAV

₹1,584.3665

As of

3 Jun 2026

1,706 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	+0.04%	+0.03%	+0.02	1 / 8	Q1
1W	+0.17%	+0.17%	+0.01	5 / 8	Q3
2W	+0.17%	+0.20%	-0.04	5 / 8	Q3
1M	-0.04%	+0.13%	-0.17	8 / 8	Q4
3M	+0.29%	+0.76%	-0.47	8 / 8	Q4
6M	+1.64%	+2.00%	-0.37	7 / 8	Q4
YTD	+1.30%	+1.69%	-0.40	7 / 8	Q4
1Y	+4.91%	+4.63%	+0.27	4 / 8	Q2
2Y	+7.20%	+6.95%	+0.25	1 / 8	Q1
3Y	+7.27%	+7.13%	+0.14	4 / 8	Q2
4Y	+7.07%	+6.95%	+0.11	5 / 8	Q3
5Y	+6.17%	+6.12%	+0.05	5 / 8	Q3
7Y	+6.71%	+6.43%	+0.28	1 / 3	Q2
10Y	—	—	—	—	—
Inception	+6.73%	+6.41%	+0.32	2 / 8	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	+1.30%	+1.69%	-0.40	7 / 8
2025	+8.15%	+7.51%	+0.64	1 / 8
2024	+8.12%	+8.15%	-0.03	4 / 8
2023	+7.30%	+7.24%	+0.06	4 / 8
2022	+3.47%	+4.02%	-0.54	7 / 8
2021	+4.12%	+3.57%	+0.56	1 / 4
2020	+11.19%	+9.08%	+2.11	1 / 3
2019	—	—	—	—

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

+7.00%

74 windows

min 2.5% · max 11.3%

100% positive

3-Year rolling

+6.41%

50 windows

min 4.9% · max 7.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+6.58%

26 windows

min 6.2% · max 7.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+6.71%

1 window

min 6.7% · max 6.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

0.89%

3-year · annualised

Sharpe ratio

0.61

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.48%

May 2026 → May 2026

% positive months

97.2%

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 Floater Fund

Scheme	Fund house	NAV	As of
SBI Floating Rate Debt Fund - Regular Plan - Growth	SBI	₹13.9666	3 Jun 2026
BANDHAN FLOATER FUND - REGULAR PLAN GROWTH	Bandhan	₹13.4885	3 Jun 2026
Aditya Birla Sun Life Floating Rate Fund-Regular Plan-Growth	Aditya Birla Sun Life	₹366.0242	3 Jun 2026
DSP Floater Fund - Regular Plan - Growth	DSP	₹13.7638	3 Jun 2026
UTI - Floater Fund - Regular Plan - Growth Option	UTI	₹1,569.6269	3 Jun 2026
Axis Floater Fund - Regular Plan - Growth	Axis	₹1,358.5549	3 Jun 2026
Tata Floating Rate Fund-Regular Plan-Growth	Tata	₹13.3713	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,584.3665
2 Jun 2026	₹1,584.3566
1 Jun 2026	₹1,583.6704
29 May 2026	₹1,583.1597
27 May 2026	₹1,581.2010
26 May 2026	₹1,581.6042
25 May 2026	₹1,581.6979
22 May 2026	₹1,580.3901
21 May 2026	₹1,579.4473
20 May 2026	₹1,580.9344

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 FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION is ₹1,584.3665. It's a Floater Fund from Kotak, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

KOTAK FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION has NAV history starting from 16 May 2019, a track record of about 7 years. 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 FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION is managed by Kotak. It's classified by AMFI under the 'Floater Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, KOTAK FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION has delivered a absolute return of 4.91% — +0.27 pp ahead of the Floater Fund category average of 4.63%. The fund ranks #4 of 8 in its category — the second (Q2) quartile.

Over the trailing 3-year window, KOTAK FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION has delivered a CAGR of 7.27% — +0.14 pp ahead of the Floater Fund category average of 7.13%. The fund ranks #4 of 8 in its category — the second (Q2) quartile.

Over the trailing 5-year window, KOTAK FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION has delivered a CAGR of 6.17% — +0.05 pp ahead of the Floater Fund category average of 6.12%. The fund ranks #5 of 8 in its category — the third (Q3) quartile.

₹1 lakh invested in KOTAK FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION exactly 5 years ago would be worth approximately ₹134,879 today — a multiplier of 1.35×, based on the 5-year CAGR of 6.17%. The category average over the same window would have grown ₹1 lakh to ₹134,584.

A ₹10,000 monthly SIP in KOTAK FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION over the last 5 years — total invested ₹600,000 — would be worth ₹711,192 today. That's an XIRR (money-weighted annualised return) of 6.73%.

KOTAK FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,063,002 — XIRR 6.62%.

On a 5-year basis, KOTAK FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION ranks #5 out of 8 funds in the Floater Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 6.12%; this fund delivered 6.17%.

The worst peak-to-trough decline KOTAK FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION has experienced over the last 5-year window is 1.11% — its NAV fell from a high on 05 Apr 2022 to a low on 06 May 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 FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION averaged 6.58% (best 7.06%, worst 6.17%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.43 — negative risk-adjusted performance.

In calendar year 2025, KOTAK FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION returned 8.15% — beating the Floater Fund category average of 7.51% by 0.64 pp. It ranked #1 of 8 in its category that year.

KOTAK FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. KOTAK FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.1%. 5-year CAGR: 6.17%.

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

KOTAK FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Floater Fund

Recent NAVs

Frequently asked questions

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