Should I invest in Kotak India Growth Fund Series 5-ayout of Income Distribution cum capital withdrawal option?

We don't give personal investment advice. Kotak India Growth Fund Series 5-Direct 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.

Kotak

Kotak India Growth Fund Series 5-Direct PLan-ayout of Income Distribution cum capital withdrawal option

Latest NAV

₹14.7428

As of

18 May 2021

735 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%	-0.10	56 / 104	Q3
1W	-0.17%	-0.02%	-0.15	73 / 103	Q3
2W	+0.98%	+0.10%	+0.88	17 / 102	Q1
1M	+3.39%	+1.52%	+1.87	14 / 101	Q1
3M	+1.08%	+5.34%	-4.26	78 / 100	Q4
6M	+24.24%	+9.00%	+15.25	14 / 99	Q1
YTD	+11.23%	+4.61%	+6.62	15 / 99	Q1
1Y	+90.62%	+18.02%	+72.60	2 / 90	Q1
2Y	+24.18%	+9.96%	+14.22	8 / 84	Q1
3Y	+14.11%	+13.26%	+0.85	30 / 76	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+14.16%	+11.59%	+2.56	38 / 104	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
2021 YTD	+11.23%	+25.89%	-14.65	41 / 52
2020	+25.99%	+15.92%	+10.08	10 / 58
2019	+11.65%	+7.18%	+4.47	21 / 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

+16.51%

25 windows

min -29.7% · max 102.2%

64% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+14.11%

1 window

min 14.1% · max 14.1%

100% positive

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

5-Year rolling

—

Insufficient history

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

25.19%

3-year · annualised

Sharpe ratio

0.41

vs risk-free 6.5%

Sortino ratio

0.55

Downside-only deviation

Max drawdown

-39.19%

Jan 2020 → Mar 2020

% positive months

61.1%

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
18 May 2021	₹14.7428
17 May 2021	₹14.7420
14 May 2021	₹14.7400
12 May 2021	₹14.7550
11 May 2021	₹14.7680
10 May 2021	₹14.7740
7 May 2021	₹14.6910
6 May 2021	₹14.7430
5 May 2021	₹14.7120
4 May 2021	₹14.6000

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 18 May 2021, the NAV of Kotak India Growth Fund Series 5-Direct PLan-ayout of Income Distribution cum capital withdrawal option is ₹14.7428. 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 5-Direct PLan-ayout of Income Distribution cum capital withdrawal option has NAV history starting from 22 May 2018, a track record of about 8 years 1 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 5-Direct 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 5-Direct PLan-ayout of Income Distribution cum capital withdrawal option has delivered a absolute return of 90.62% — +72.6 pp ahead of the Flexi Cap Fund category average of 18.02%. The fund ranks #2 of 90 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Kotak India Growth Fund Series 5-Direct PLan-ayout of Income Distribution cum capital withdrawal option has delivered a CAGR of 14.11% — +0.85 pp ahead of the Flexi Cap Fund category average of 13.26%. The fund ranks #30 of 76 in its category — the second (Q2) quartile.

Kotak India Growth Fund Series 5-Direct PLan-ayout of Income Distribution cum capital withdrawal option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Kotak India Growth Fund Series 5-Direct PLan-ayout of Income Distribution cum capital withdrawal option exactly 3 years ago would be worth approximately ₹148,602 today — a multiplier of 1.49×, based on the 3-year CAGR of 14.11%. The category average over the same window would have grown ₹1 lakh to ₹145,305.

A ₹10,000 monthly SIP in Kotak India Growth Fund Series 5-Direct PLan-ayout of Income Distribution cum capital withdrawal option over the last 3 years — total invested ₹360,000 — would be worth ₹530,866 today. That's an XIRR (money-weighted annualised return) of 26.91%.

Kotak India Growth Fund Series 5-Direct PLan-ayout of Income Distribution cum capital withdrawal option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹530,866 — XIRR 26.91%.

On a 3-year basis, Kotak India Growth Fund Series 5-Direct PLan-ayout of Income Distribution cum capital withdrawal option ranks #30 out of 76 funds in the Flexi Cap Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 13.26%; this fund delivered 14.11%.

The worst peak-to-trough decline Kotak India Growth Fund Series 5-Direct PLan-ayout of Income Distribution cum capital withdrawal option has experienced over the last 3-year window is 39.19% — its NAV fell from a high on 29 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 3-year rolling windows, Kotak India Growth Fund Series 5-Direct PLan-ayout of Income Distribution cum capital withdrawal option averaged 14.11% (best 14.11%, worst 14.11%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.41 — weak risk-adjusted performance.

In calendar year 2020, Kotak India Growth Fund Series 5-Direct PLan-ayout of Income Distribution cum capital withdrawal option returned 25.99% — beating the Flexi Cap Fund category average of 15.92% by 10.08 pp. It ranked #10 of 58 in its category that year.

Kotak India Growth Fund Series 5-Direct 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 5-Direct 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.

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