Should I invest in Kotak India Growth Fund Series 4?

We don't give personal investment advice. Kotak India Growth Fund Series 4-Direct Plan - Growth Option 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: 26.6%. 5-year CAGR: 28.13%.

Kotak

Kotak India Growth Fund Series 4-Direct Plan - Growth Option

Latest NAV

₹31.0626

As of

22 Feb 2024

1,475 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	+0.01%	+0.10%	-0.09	50 / 104	Q2
1W	+0.22%	-0.02%	+0.24	30 / 103	Q2
2W	+1.03%	+0.10%	+0.94	15 / 102	Q1
1M	+6.56%	+1.52%	+5.05	3 / 101	Q1
3M	+16.30%	+5.34%	+10.96	7 / 100	Q1
6M	+23.60%	+9.00%	+14.61	16 / 99	Q1
YTD	+4.27%	+4.61%	-0.34	32 / 99	Q2
1Y	+50.25%	+18.02%	+32.22	14 / 90	Q1
2Y	+26.55%	+9.96%	+16.59	3 / 84	Q1
3Y	+25.97%	+13.26%	+12.71	1 / 76	Q1
4Y	+33.98%	+15.27%	+18.71	1 / 41	Q1
5Y	+28.13%	+14.07%	+14.06	1 / 34	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+20.80%	+11.59%	+9.20	5 / 104	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
2024 YTD	+4.27%	+20.93%	-16.66	40 / 40
2023	+39.44%	+29.96%	+9.48	3 / 34
2022	+5.93%	+1.56%	+4.37	7 / 34
2021	+41.06%	+25.89%	+15.17	5 / 52
2020	+44.83%	+15.92%	+28.92	3 / 58
2019	+5.63%	+7.18%	-1.54	44 / 69
2018	—	—	—	—

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

+24.86%

61 windows

min -13.7% · max 97.1%

84% positive

3-Year rolling

+28.18%

37 windows

min 16.2% · max 38.9%

100% positive

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

5-Year rolling

+21.31%

13 windows

min 15.3% · max 28.1%

100% positive

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

7-Year rolling

—

Insufficient history

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

12.22%

3-year · annualised

Sharpe ratio

1.44

vs risk-free 6.5%

Sortino ratio

3.37

Downside-only deviation

Max drawdown

-14.03%

Nov 2021 → Jun 2022

% positive months

69.4%

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 - Growth Option - Direct Plan	HDFC	₹2,248.7410	17 Jul 2026
Nippon India Flexi Cap Fund - Direct Plan - Growth Plan - Growth Option	Nippon India	₹17.9459	17 Jul 2026
SBI Flexicap Fund - DIRECT PLAN - Growth Option	SBI	₹121.4251	17 Jul 2026
ICICI Prudential Flexicap Fund - Direct Plan - Growth	ICICI Prudential	₹21.1200	17 Jul 2026
Invesco India Flexi Cap Fund - Direct Plan - Growth	Invesco	₹20.6200	17 Jul 2026
BANDHAN Flexi Cap Fund-Direct Plan-Growth	Bandhan	₹232.8250	17 Jul 2026
quant Flexi Cap Fund - Growth Option-Direct Plan	Quant	₹122.1976	17 Jul 2026
Aditya Birla Sun Life Flexi Cap Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹2,165.0600	17 Jul 2026
Motilal Oswal Flexi cap Fund Direct Plan-Growth Option	Motilal Oswal	₹67.6885	17 Jul 2026
Franklin India Flexi Cap Fund - Direct - Growth	Franklin India	₹1,808.6718	17 Jul 2026

Recent NAVs

Date	NAV
22 Feb 2024	₹31.0626
21 Feb 2024	₹31.0580
20 Feb 2024	₹31.0830
19 Feb 2024	₹31.0660
16 Feb 2024	₹31.0560
15 Feb 2024	₹30.9940
14 Feb 2024	₹30.8370
13 Feb 2024	₹30.4700
12 Feb 2024	₹30.2610
9 Feb 2024	₹30.7400

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 22 Feb 2024, the NAV of Kotak India Growth Fund Series 4-Direct Plan - Growth Option is ₹31.0626. It's a Flexi Cap Fund from Kotak, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak India Growth Fund Series 4-Direct Plan - Growth Option has NAV history starting from 26 Feb 2018, a track record of about 8 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 India Growth Fund Series 4-Direct Plan - Growth Option 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 India Growth Fund Series 4-Direct Plan - Growth Option has delivered a absolute return of 50.25% — +32.22 pp ahead of the Flexi Cap Fund category average of 18.02%. The fund ranks #14 of 90 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Kotak India Growth Fund Series 4-Direct Plan - Growth Option has delivered a CAGR of 25.97% — +12.71 pp ahead of the Flexi Cap Fund category average of 13.26%. The fund ranks #1 of 76 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Kotak India Growth Fund Series 4-Direct Plan - Growth Option has delivered a CAGR of 28.13% — +14.06 pp ahead of the Flexi Cap Fund category average of 14.07%. The fund ranks #1 of 34 in its category — the top (Q1) quartile.

₹1 lakh invested in Kotak India Growth Fund Series 4-Direct Plan - Growth Option exactly 5 years ago would be worth approximately ₹345,409 today — a multiplier of 3.45×, based on the 5-year CAGR of 28.13%. The category average over the same window would have grown ₹1 lakh to ₹193,154.

A ₹10,000 monthly SIP in Kotak India Growth Fund Series 4-Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹1,303,767 today. That's an XIRR (money-weighted annualised return) of 31.58%.

Kotak India Growth Fund Series 4-Direct Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹1,303,767 — XIRR 31.58%.

On a 5-year basis, Kotak India Growth Fund Series 4-Direct Plan - Growth Option ranks #1 out of 34 funds in the Flexi Cap Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 14.07%; this fund delivered 28.13%.

The worst peak-to-trough decline Kotak India Growth Fund Series 4-Direct Plan - Growth Option has experienced over the last 5-year window is 26.58% — its NAV fell from a high on 24 Jan 2020 to a low on 23 Mar 2020. 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 India Growth Fund Series 4-Direct Plan - Growth Option averaged 21.31% (best 28.13%, worst 15.33%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.04 — strong risk-adjusted performance.

In calendar year 2023, Kotak India Growth Fund Series 4-Direct Plan - Growth Option returned 39.44% — beating the Flexi Cap Fund category average of 29.96% by 9.48 pp. It ranked #3 of 34 in its category that year.

Kotak India Growth Fund Series 4-Direct Plan - Growth Option 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 India Growth Fund Series 4-Direct Plan - Growth Option 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: 26.6%. 5-year CAGR: 28.13%.

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