Should I invest in Kotak India Growth Fund Series 4-ayout of Income Distribution cum capital withdrawal option?

We don't give personal investment advice. Kotak India Growth Fund Series 4-Regular Plan-ayout of Income Distribution cum capital withdrawal 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: 26.7%. 5-year CAGR: 26.78%.

Kotak

Kotak India Growth Fund Series 4-Regular Plan-ayout of Income Distribution cum capital withdrawal option

Latest NAV

₹29.1884

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	+0.02%	+0.10%	-0.09	25 / 42	Q3
1W	+0.20%	-0.15%	+0.36	9 / 42	Q1
2W	+1.00%	+0.31%	+0.68	5 / 42	Q1
1M	+6.48%	+2.17%	+4.31	2 / 42	Q1
3M	+16.03%	+5.01%	+11.02	1 / 42	Q1
6M	+23.03%	+6.46%	+16.57	6 / 41	Q1
YTD	+4.13%	+2.47%	+1.66	12 / 41	Q2
1Y	+48.84%	+13.53%	+35.32	6 / 39	Q1
2Y	+25.37%	+6.37%	+19.00	2 / 37	Q1
3Y	+24.54%	+11.98%	+12.56	1 / 35	Q1
4Y	+32.53%	+14.76%	+17.77	1 / 21	Q1
5Y	+26.78%	+12.19%	+14.59	1 / 16	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+19.55%	+11.38%	+8.17	3 / 42	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	+4.13%	+19.24%	-15.10	25 / 26
2023	+38.15%	+29.13%	+9.02	1 / 20
2022	+4.94%	-2.30%	+7.24	2 / 15
2021	+38.91%	+26.78%	+12.13	4 / 19
2020	+43.49%	+17.92%	+25.57	2 / 21
2019	+4.58%	+9.49%	-4.91	19 / 21
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

+23.48%

61 windows

min -14.5% · max 94.1%

82% positive

3-Year rolling

+26.71%

37 windows

min 14.9% · max 37.3%

100% positive

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

5-Year rolling

+20.01%

13 windows

min 14.1% · max 26.8%

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

12.23%

3-year · annualised

Sharpe ratio

1.34

vs risk-free 6.5%

Sortino ratio

3.09

Downside-only deviation

Max drawdown

-14.52%

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
Nippon India Flexi Cap Fund - Regular Plan - Growth Plan - Growth Option	Nippon India	₹16.7591	17 Jul 2026
Invesco India Flexi Cap Fund - Regular Plan - Growth	Invesco	₹19.2900	17 Jul 2026
Motilal Oswal Flexi Cap Fund Regular Plan-Growth Option	Motilal Oswal	₹60.5628	17 Jul 2026
Mirae Asset Flexi Cap Fund - Regular Plan - Growth	Mirae Asset	₹16.1660	17 Jul 2026
Parag Parikh Flexi Cap Fund - Regular Plan - Growth	Parag Parikh	₹83.4002	17 Jul 2026
Edelweiss Flexi Cap Fund - Regular Plan - Growth Option	Edelweiss	₹38.7870	17 Jul 2026
DSP BlackRock Equity Fund - Regular Plan - Dividend	DSP BlackRock	₹59.0200	17 Jul 2026
Baroda BNP Paribas Flexi Cap Fund - Regular Plan - Growth Option	Baroda BNP Paribas	₹15.9256	17 Jul 2026
PGIM India Flexi Cap Fund - Regular Plan - Growth Option	PGIM India	₹36.5500	17 Jul 2026
Axis Flexi Cap Fund - Regular Plan - Growth	Axis	₹27.5400	17 Jul 2026

Recent NAVs

Date	NAV
22 Feb 2024	₹29.1884
21 Feb 2024	₹29.1840
20 Feb 2024	₹29.2090
19 Feb 2024	₹29.1940
16 Feb 2024	₹29.1870
15 Feb 2024	₹29.1290
14 Feb 2024	₹28.9820
13 Feb 2024	₹28.6380
12 Feb 2024	₹28.4420
9 Feb 2024	₹28.8950

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-Regular Plan-ayout of Income Distribution cum capital withdrawal option is ₹29.1884. It's a Flexi Cap Fund from Kotak, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak India Growth Fund Series 4-Regular Plan-ayout of Income Distribution cum capital withdrawal 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-Regular Plan-ayout of Income Distribution cum capital withdrawal 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-Regular Plan-ayout of Income Distribution cum capital withdrawal option has delivered a absolute return of 48.84% — +35.32 pp ahead of the Flexi Cap Fund category average of 13.53%. The fund ranks #6 of 39 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Kotak India Growth Fund Series 4-Regular Plan-ayout of Income Distribution cum capital withdrawal option has delivered a CAGR of 24.54% — +12.56 pp ahead of the Flexi Cap Fund category average of 11.98%. The fund ranks #1 of 35 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Kotak India Growth Fund Series 4-Regular Plan-ayout of Income Distribution cum capital withdrawal option has delivered a CAGR of 26.78% — +14.59 pp ahead of the Flexi Cap Fund category average of 12.19%. The fund ranks #1 of 16 in its category — the top (Q1) quartile.

₹1 lakh invested in Kotak India Growth Fund Series 4-Regular Plan-ayout of Income Distribution cum capital withdrawal option exactly 5 years ago would be worth approximately ₹327,482 today — a multiplier of 3.27×, based on the 5-year CAGR of 26.78%. The category average over the same window would have grown ₹1 lakh to ₹177,713.

A ₹10,000 monthly SIP in Kotak India Growth Fund Series 4-Regular Plan-ayout of Income Distribution cum capital withdrawal option over the last 5 years — total invested ₹600,000 — would be worth ₹1,262,280 today. That's an XIRR (money-weighted annualised return) of 30.21%.

Kotak India Growth Fund Series 4-Regular Plan-ayout of Income Distribution cum capital withdrawal option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹1,262,280 — XIRR 30.21%.

On a 5-year basis, Kotak India Growth Fund Series 4-Regular Plan-ayout of Income Distribution cum capital withdrawal option ranks #1 out of 16 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 12.19%; this fund delivered 26.78%.

The worst peak-to-trough decline Kotak India Growth Fund Series 4-Regular Plan-ayout of Income Distribution cum capital withdrawal option has experienced over the last 5-year window is 26.69% — 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-Regular Plan-ayout of Income Distribution cum capital withdrawal option averaged 20.01% (best 26.78%, worst 14.11%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.99 — reasonable risk-adjusted performance.

In calendar year 2023, Kotak India Growth Fund Series 4-Regular Plan-ayout of Income Distribution cum capital withdrawal option returned 38.15% — beating the Flexi Cap Fund category average of 29.13% by 9.02 pp. It ranked #1 of 20 in its category that year.

Kotak India Growth Fund Series 4-Regular Plan-ayout of Income Distribution cum capital withdrawal 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-Regular Plan-ayout of Income Distribution cum capital withdrawal 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: 26.7%. 5-year CAGR: 26.78%.

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