Should I invest in Kotak Gilt-Investment Regular?

We don't give personal investment advice. Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct 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: 7.0%. 5-year CAGR: 4.89%.

Kotak

Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct

Latest NAV

₹23.8598

As of

3 Jun 2026

3,236 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	+0.02%	+0.06%	-0.05	39 / 48	Q4
1W	+0.09%	+0.18%	-0.08	35 / 48	Q3
2W	+0.45%	+0.60%	-0.15	34 / 48	Q3
1M	+0.11%	+0.25%	-0.14	19 / 48	Q2
3M	-0.67%	-0.44%	-0.23	24 / 48	Q2
6M	+0.54%	+0.24%	+0.30	22 / 48	Q2
YTD	-0.37%	+0.12%	-0.50	28 / 48	Q3
1Y	-4.62%	-1.18%	-3.44	40 / 48	Q4
2Y	+2.64%	+2.32%	+0.32	23 / 43	Q3
3Y	+4.49%	+2.92%	+1.57	20 / 41	Q2
4Y	+5.64%	+3.17%	+2.47	12 / 36	Q2
5Y	+4.89%	+2.31%	+2.58	11 / 33	Q2
7Y	+6.38%	+2.57%	+3.80	5 / 30	Q1
10Y	+6.20%	+2.99%	+3.21	5 / 27	Q1
Inception	+4.62%	+3.38%	+1.25	20 / 48	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	-0.37%	-0.58%	+0.20	19 / 39
2025	+0.89%	+1.34%	-0.45	24 / 38
2024	+9.51%	+5.54%	+3.97	12 / 35
2023	+8.26%	+4.18%	+4.09	2 / 35
2022	+3.53%	+0.43%	+3.10	1 / 31
2021	+3.16%	-0.22%	+3.38	4 / 31
2020	+14.16%	+5.04%	+9.12	1 / 31
2019	+11.24%	+7.33%	+3.91	9 / 26
2018	+8.48%	+4.31%	+4.17	4 / 31
2017	+0.09%	-0.85%	+0.95	17 / 33
2016	+6.51%	+9.36%	-2.85	20 / 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

+5.35%

152 windows

min -12.2% · max 16.6%

88% positive

3-Year rolling

+6.12%

127 windows

min -2.6% · max 11.5%

96% positive

5-Year rolling

+6.40%

103 windows

min -0.2% · max 8.7%

98% positive

7-Year rolling

+6.77%

79 windows

min 3.2% · max 8.8%

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

4.56%

3-year · annualised

Sharpe ratio

-0.44

vs risk-free 6.5%

Sortino ratio

-0.70

Downside-only deviation

Max drawdown

-7.03%

May 2025 → Apr 2026

% positive months

72.2%

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 Gilt Fund

Scheme	Fund house	NAV	As of
HDFC Gilt Fund - IDCW Option - Direct Plan	HDFC	₹12.9019	3 Jun 2026
NIPPON INDIA GILT FUND - Direct Plan - MONTHLY IDCW Option	Nippon India	₹11.5637	3 Jun 2026
SBI Gilt Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.7535	3 Jun 2026
ICICI Prudential Gilt Fund - Direct Plan - IDCW	ICICI Prudential	₹18.1300	3 Jun 2026
Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment)	Invesco	₹1,174.6952	3 Jun 2026
Bandhan Gilt Fund - Direct Plan - Annual IDCW	Bandhan	₹12.2891	3 Jun 2026
quant Gilt Fund - IDCW Option - Direct Plan	Quant	₹12.2696	3 Jun 2026
Aditya Birla Sun Life Govenment Securities Fund -DIRECT - Quarterly IDCW	Aditya Birla Sun Life	₹11.4114	3 Jun 2026
Franklin India Government Securities Fund - Direct - IDCW	Franklin India	₹11.8135	3 Jun 2026
Edelweiss Government Securities Fund - Direct Plan - Annual Dividend Option	Edelweiss	₹26.0763	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹23.8598
2 Jun 2026	₹23.8683
1 Jun 2026	₹23.8646
29 May 2026	₹23.8654
27 May 2026	₹23.8468
26 May 2026	₹23.8458
25 May 2026	₹23.8459
22 May 2026	₹23.7836
21 May 2026	₹23.7727
20 May 2026	₹23.7843

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 Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct is ₹23.8598. It's a Gilt Fund from Kotak, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 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 Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct is managed by Kotak. It's classified by AMFI under the 'Gilt Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct has delivered a absolute return of -4.62% — -3.44 pp behind the Gilt Fund category average of -1.18%. The fund ranks #40 of 48 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct has delivered a CAGR of 4.49% — +1.57 pp ahead of the Gilt Fund category average of 2.92%. The fund ranks #20 of 41 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct has delivered a CAGR of 4.89% — +2.58 pp ahead of the Gilt Fund category average of 2.31%. The fund ranks #11 of 33 in its category — the second (Q2) quartile.

₹1 lakh invested in Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct exactly 10 years ago would be worth approximately ₹182,448 today — a multiplier of 1.82×, based on the 10-year CAGR of 6.20%. The category average over the same window would have grown ₹1 lakh to ₹134,259.

A ₹10,000 monthly SIP in Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct over the last 5 years — total invested ₹600,000 — would be worth ₹667,100 today. That's an XIRR (money-weighted annualised return) of 4.19%.

A ₹10,000 monthly SIP for 10 years in Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct = ₹1,200,000 invested. It would currently be worth ₹1,620,077 (multiplier 1.35×). XIRR: 5.85%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct ranks #11 out of 33 funds in the Gilt Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.31%; this fund delivered 4.89%.

The worst peak-to-trough decline Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct has experienced over the last 5-year window is 7.03% — its NAV fell from a high on 28 May 2025 to a low on 02 Apr 2026. 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 Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct averaged 6.40% (best 8.73%, worst -0.18%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is -0.43 — negative risk-adjusted performance.

In calendar year 2025, Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct returned 0.89% — lagging the Gilt Fund category average of 1.34% by 0.45 pp. It ranked #24 of 38 in its category that year.

Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct 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 Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct 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: 7.0%. 5-year CAGR: 4.89%.

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