Kotak Mahindra
Kotak Liquid Fund - Regular - Daily Reinvestment of Income Distribution cum capital withdrawal option
Unit split applied to historical metrics
This scheme had
a 100× unit consolidation on
20 Jan 2013.
Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).
Latest NAV
₹1,274.9641
As of
26 Jul 2026
6,186 NAV records on file
Category
Liquid Fund
Plan type
Dividend
Structure
Open-ended
AMFI Scheme Code
100833
ISIN (Growth)
—
ISIN (Dividend)
INF174K01NL3
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
No matches.
Compares up to 8 funds. Click any line in the legend above to hide/show it.
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 | +0.03% | +0.01% | +0.02 | 14 / 46 | Q2 |
| 1W | +0.11% | +0.05% | +0.06 | 14 / 46 | Q2 |
| 2W | +0.22% | +0.11% | +0.11 | 19 / 46 | Q2 |
| 1M | +0.55% | +0.25% | +0.30 | 8 / 46 | Q1 |
| 3M | +1.59% | +0.64% | +0.95 | 12 / 46 | Q2 |
| 6M | +3.32% | +1.34% | +1.98 | 12 / 46 | Q2 |
| YTD | +3.67% | +1.43% | +2.24 | 11 / 46 | Q1 |
| 1Y | +4.25% | +2.44% | +1.81 | 18 / 46 | Q2 |
| 2Y | +2.11% | +2.56% | -0.45 | 19 / 46 | Q2 |
| 3Y | +1.40% | +2.63% | -1.23 | 19 / 46 | Q2 |
| 4Y | +1.05% | +2.70% | -1.65 | 20 / 45 | Q2 |
| 5Y | +0.84% | +2.52% | -1.68 | 20 / 45 | Q2 |
| 7Y | +0.60% | +2.35% | -1.75 | 21 / 45 | Q2 |
| 10Y | +0.42% | +2.51% | -2.10 | 21 / 43 | Q2 |
| Inception | +0.21% | +2.50% | -2.29 | 19 / 42 | 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 | +3.67% | +1.57% | +2.10 | 11 / 38 |
| 2025 | +0.56% | +2.63% | -2.07 | 18 / 38 |
| 2024 | +0.00% | +3.08% | -3.08 | 30 / 38 |
| 2023 | +0.00% | +3.02% | -3.02 | 34 / 38 |
| 2022 | +0.00% | +2.16% | -2.16 | 36 / 40 |
| 2021 | +0.00% | +1.46% | -1.46 | 34 / 40 |
| 2020 | +0.00% | +1.63% | -1.63 | 34 / 44 |
| 2019 | +0.00% | +2.29% | -2.29 | 26 / 45 |
| 2018 | +0.00% | +2.61% | -2.61 | 39 / 45 |
| 2017 | +0.00% | +2.33% | -2.33 | 35 / 45 |
| 2016 | +0.00% | +2.72% | -2.72 | 31 / 44 |
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
+0.08%
236 windows
min 0.0% · max 4.2%
5% positive
3-Year rolling
+0.03%
212 windows
min 0.0% · max 1.4%
5% positive
5-Year rolling
+0.02%
187 windows
min 0.0% · max 0.8%
6% positive
7-Year rolling
+0.02%
163 windows
min 0.0% · max 0.6%
6% 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
0.78%
3-year · annualised
Sharpe ratio
-6.57
vs risk-free 6.5%
Sortino ratio
—
Downside-only deviation
Max drawdown
-0.06%
Mar 2024 → Mar 2025
% positive months
25.0%
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 Liquid Fund
| Scheme | NAV |
|---|---|
| SBI Liquid Fund - Institutional - Growth | ₹4,395.9408 |
| ICICI Prudential Liquid Fund - Daily IDCW | ₹100.1482 |
| Franklin India Liquid Fund - Super Institutional Plan - Daily - IDCW | ₹1,000.0000 |
| Kotak Liquid Fund - Regular Plan - Growth | ₹5,631.2419 |
| DSP Liquidity Fund - Regular Plan - Growth | ₹3,980.1908 |
| HSBC Liquid Fund - Institutional Daily IDCW | ₹1,562.8262 |
| CANARA ROBECO LIQUID FUND - REGULAR PLAN - DAILY IDCW (Reinvestment) | ₹1,005.5000 |
| Tata Liquid Fund -Regular Plan - Growth Option | ₹4,388.7418 |
| Aditya Birla Sun Life Liquid Fund - Growth | ₹449.1787 |
| Invesco India Liquid Fund - Daily IDCW (Reinvestment) | ₹1,002.7594 |
Recent NAVs
| Date | NAV |
|---|---|
| 26 Jul 2026 | ₹1,274.9641 |
| 24 Jul 2026 | ₹1,274.5436 |
| 23 Jul 2026 | ₹1,274.2431 |
| 22 Jul 2026 | ₹1,273.9915 |
| 21 Jul 2026 | ₹1,273.8920 |
| 20 Jul 2026 | ₹1,273.6866 |
| 19 Jul 2026 | ₹1,273.5366 |
| 17 Jul 2026 | ₹1,273.1210 |
| 16 Jul 2026 | ₹1,272.7613 |
| 15 Jul 2026 | ₹1,272.4966 |
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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 26 Jul 2026, the NAV of Kotak Liquid Fund - Regular - Daily Reinvestment of Income Distribution cum capital withdrawal option is ₹1,274.9641. It's a Liquid Fund from Kotak Mahindra, run as a Institutional plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.
Kotak Liquid Fund - Regular - Daily Reinvestment of Income Distribution cum capital withdrawal option has NAV history starting from 02 Apr 2006, a track record of about 20 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.
Kotak Liquid Fund - Regular - Daily Reinvestment of Income Distribution cum capital withdrawal option is managed by Kotak Mahindra. It's classified by AMFI under the 'Liquid Fund' SEBI category, which determines its peer set and tax treatment.
Over the trailing 1-year window, Kotak Liquid Fund - Regular - Daily Reinvestment of Income Distribution cum capital withdrawal option has delivered a absolute return of 4.25% — +1.81 pp ahead of the Liquid Fund category average of 2.44%. The fund ranks #18 of 46 in its category — the second (Q2) quartile.
Over the trailing 3-year window, Kotak Liquid Fund - Regular - Daily Reinvestment of Income Distribution cum capital withdrawal option has delivered a CAGR of 1.40% — -1.23 pp behind the Liquid Fund category average of 2.63%. The fund ranks #19 of 46 in its category — the second (Q2) quartile.
Over the trailing 5-year window, Kotak Liquid Fund - Regular - Daily Reinvestment of Income Distribution cum capital withdrawal option has delivered a CAGR of 0.84% — -1.68 pp behind the Liquid Fund category average of 2.52%. The fund ranks #20 of 45 in its category — the second (Q2) quartile.
₹1 lakh invested in Kotak Liquid Fund - Regular - Daily Reinvestment of Income Distribution cum capital withdrawal option exactly 10 years ago would be worth approximately ₹104,265 today — a multiplier of 1.04×, based on the 10-year CAGR of 0.42%. The category average over the same window would have grown ₹1 lakh to ₹128,180.
A ₹10,000 monthly SIP in Kotak Liquid Fund - Regular - Daily Reinvestment of Income Distribution cum capital withdrawal option over the last 5 years — total invested ₹600,000 — would be worth ₹624,160 today. That's an XIRR (money-weighted annualised return) of 1.56%.
A ₹10,000 monthly SIP for 10 years in Kotak Liquid Fund - Regular - Daily Reinvestment of Income Distribution cum capital withdrawal option = ₹1,200,000 invested. It would currently be worth ₹1,249,769 (multiplier 1.04×). XIRR: 0.80%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.
On a 5-year basis, Kotak Liquid Fund - Regular - Daily Reinvestment of Income Distribution cum capital withdrawal option ranks #20 out of 45 funds in the Liquid Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.52%; this fund delivered 0.84%.
The worst peak-to-trough decline Kotak Liquid Fund - Regular - Daily Reinvestment of Income Distribution cum capital withdrawal option has experienced over the last 5-year window is 0.06% — its NAV fell from a high on 31 Mar 2024 to a low on 27 Mar 2025. 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 Liquid Fund - Regular - Daily Reinvestment of Income Distribution cum capital withdrawal option averaged 0.02% (best 0.84%, worst -0.00%). 6% of rolling windows ended positive. The 5-year Sharpe ratio is -8.94 — negative risk-adjusted performance.
In calendar year 2025, Kotak Liquid Fund - Regular - Daily Reinvestment of Income Distribution cum capital withdrawal option returned 0.56% — lagging the Liquid Fund category average of 2.63% by 2.07 pp. It ranked #18 of 38 in its category that year.
Kotak Liquid Fund - Regular - Daily Reinvestment of Income Distribution cum capital withdrawal option 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 Liquid Fund - Regular - Daily Reinvestment of Income Distribution cum capital withdrawal option 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)
Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.
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