Kotak

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

Latest NAV

₹56.5797

As of

17 Jul 2026

3,282 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	-0.50%	-0.15%	-0.35	90 / 125	Q3
1W	-1.94%	-4.47%	+2.53	106 / 130	Q4
2W	-3.69%	-5.11%	+1.41	105 / 130	Q4
1M	-6.27%	-5.39%	-0.88	100 / 130	Q4
3M	-7.22%	-4.67%	-2.56	107 / 130	Q4
6M	-1.33%	-5.19%	+3.86	74 / 122	Q3
YTD	+5.01%	-2.99%	+8.00	10 / 120	Q1
1Y	+42.65%	+12.27%	+30.38	17 / 111	Q1
2Y	+36.12%	+6.29%	+29.82	13 / 84	Q1
3Y	+31.72%	+6.43%	+25.29	10 / 73	Q1
4Y	+27.59%	+5.33%	+22.26	8 / 68	Q1
5Y	+22.50%	-0.23%	+22.73	8 / 55	Q1
7Y	+20.69%	-3.52%	+24.21	3 / 38	Q1
10Y	+15.48%	-6.57%	+22.05	1 / 34	Q1
Inception	+10.69%	+8.45%	+2.25	49 / 130	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	+5.01%	+1.22%	+3.79	10 / 114
2025	+69.91%	+30.86%	+39.05	19 / 83
2024	+19.20%	+13.06%	+6.14	10 / 69
2023	+13.56%	+14.87%	-1.31	35 / 68
2022	+12.13%	-5.59%	+17.71	9 / 59
2021	-4.65%	+10.93%	-15.59	43 / 51
2020	+27.30%	+10.64%	+16.67	5 / 39
2019	+24.49%	+9.45%	+15.04	1 / 34
2018	+7.24%	+1.74%	+5.50	4 / 35
2017	+3.01%	+9.33%	-6.32	26 / 32
2016	+10.56%	+7.23%	+3.33	10 / 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

+13.32%

153 windows

min -16.0% · max 79.1%

76% positive

3-Year rolling

+11.06%

129 windows

min -7.1% · max 37.3%

88% positive

5-Year rolling

+10.71%

105 windows

min -2.5% · max 25.2%

91% positive

7-Year rolling

+11.54%

80 windows

min 2.8% · max 24.6%

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

17.76%

3-year · annualised

Sharpe ratio

1.29

vs risk-free 6.5%

Sortino ratio

3.31

Downside-only deviation

Max drawdown

-24.13%

Jan 2026 → Mar 2026

% positive months

66.7%

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 Fund of Funds - Domestic

Scheme	Fund house	NAV	As of
HDFC Gold ETF Fund of Fund - Direct Plan	HDFC	₹43.7010	17 Jul 2026
NIPPON INDIA GOLD SAVINGS FUND - Direct Plan - IDCW Option	Nippon India	₹55.8049	17 Jul 2026
SBI Gold Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹42.6993	17 Jul 2026
ICICI Prudential Gold ETF FOF - Direct Plan - IDCW	ICICI Prudential	₹44.7685	17 Jul 2026
Invesco India Gold ETF Fund of Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹40.6301	17 Jul 2026
Aditya Birla Sun Life Gold Fund-DIRECT - IDCW	Aditya Birla Sun Life	₹42.2555	17 Jul 2026
Motilal Oswal Gold and Silver Passive Fund of Funds(Direct Plan)	Motilal Oswal	₹28.6857	17 Jul 2026
Mirae Asset Gold ETF Fund of Fund - Direct Plan - IDCW	Mirae Asset	₹17.6720	17 Jul 2026
Edelweiss Gold and Silver ETF FOF - Direct Plan - IDCW	Edelweiss	₹31.7710	17 Jul 2026
DSP Gold ETF Fund of Fund - Direct - IDCW	DSP	₹22.0719	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹56.5797
16 Jul 2026	₹56.8647
15 Jul 2026	₹56.8649
14 Jul 2026	₹56.6477
13 Jul 2026	₹57.1256
10 Jul 2026	₹57.6964
9 Jul 2026	₹57.8366
8 Jul 2026	₹57.1178
7 Jul 2026	₹57.9193
6 Jul 2026	₹58.3828

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 Gold Fund Payout of Income Distribution cum capital withdrawal option- Direct is ₹56.5797. It's a Fund of Funds - Domestic from Kotak, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Kotak Gold Fund Payout of Income Distribution cum capital withdrawal option- Direct has NAV history starting from 02 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 Gold Fund Payout of Income Distribution cum capital withdrawal option- Direct is managed by Kotak. It's classified by AMFI under the 'Fund of Funds - Domestic' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Gold Fund Payout of Income Distribution cum capital withdrawal option- Direct has delivered a absolute return of 42.65% — +30.38 pp ahead of the Fund of Funds - Domestic category average of 12.27%. The fund ranks #17 of 111 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Kotak Gold Fund Payout of Income Distribution cum capital withdrawal option- Direct has delivered a CAGR of 31.72% — +25.29 pp ahead of the Fund of Funds - Domestic category average of 6.43%. The fund ranks #10 of 73 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Kotak Gold Fund Payout of Income Distribution cum capital withdrawal option- Direct has delivered a CAGR of 22.50% — +22.73 pp ahead of the Fund of Funds - Domestic category average of -0.23%. The fund ranks #8 of 55 in its category — the top (Q1) quartile.

₹1 lakh invested in Kotak Gold Fund Payout of Income Distribution cum capital withdrawal option- Direct exactly 10 years ago would be worth approximately ₹421,824 today — a multiplier of 4.22×, based on the 10-year CAGR of 15.48%. The category average over the same window would have grown ₹1 lakh to ₹50,679.

A ₹10,000 monthly SIP in Kotak Gold Fund Payout of Income Distribution cum capital withdrawal option- Direct over the last 5 years — total invested ₹600,000 — would be worth ₹1,211,243 today. That's an XIRR (money-weighted annualised return) of 28.52%.

A ₹10,000 monthly SIP for 10 years in Kotak Gold Fund Payout of Income Distribution cum capital withdrawal option- Direct = ₹1,200,000 invested. It would currently be worth ₹3,485,124 (multiplier 2.90×). XIRR: 20.22%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Gold Fund Payout of Income Distribution cum capital withdrawal option- Direct ranks #8 out of 55 funds in the Fund of Funds - Domestic category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -0.23%; this fund delivered 22.50%.

The worst peak-to-trough decline Kotak Gold Fund Payout of Income Distribution cum capital withdrawal option- Direct has experienced over the last 5-year window is 24.13% — its NAV fell from a high on 29 Jan 2026 to a low on 23 Mar 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 Gold Fund Payout of Income Distribution cum capital withdrawal option- Direct averaged 10.71% (best 25.16%, worst -2.46%). 91% of rolling windows ended positive. The 5-year Sharpe ratio is 0.98 — reasonable risk-adjusted performance.

In calendar year 2025, Kotak Gold Fund Payout of Income Distribution cum capital withdrawal option- Direct returned 69.91% — beating the Fund of Funds - Domestic category average of 30.86% by 39.05 pp. It ranked #19 of 83 in its category that year.

Kotak Gold Fund Payout of Income Distribution cum capital withdrawal option- Direct doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Kotak Gold Fund Payout of Income Distribution cum capital withdrawal option- Direct is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 24.1%. 5-year CAGR: 22.50%.

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