Should I invest in Kotak Liquid Fund?

We don't give personal investment advice. Kotak Liquid Fund - Regular Plan - Growth 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+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.0%. 5-year CAGR: 6.12%.

Kotak Mahindra

Kotak Liquid Fund - Regular Plan - Growth

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

₹5,631.2419

As of

26 Jul 2026

6,186 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	+0.03%	+0.01%	+0.02	15 / 46	Q2
1W	+0.11%	+0.05%	+0.06	15 / 46	Q2
2W	+0.22%	+0.11%	+0.11	20 / 46	Q2
1M	+0.55%	+0.25%	+0.30	9 / 46	Q1
3M	+1.59%	+0.64%	+0.95	13 / 46	Q2
6M	+3.32%	+1.34%	+1.98	13 / 46	Q2
YTD	+3.67%	+1.43%	+2.24	12 / 46	Q2
1Y	+6.25%	+2.44%	+3.82	12 / 46	Q2
2Y	+6.65%	+2.56%	+4.09	10 / 46	Q1
3Y	+6.84%	+2.63%	+4.22	10 / 46	Q1
4Y	+6.77%	+2.70%	+4.06	10 / 45	Q1
5Y	+6.12%	+2.52%	+3.60	11 / 45	Q1
7Y	+5.56%	+2.35%	+3.20	13 / 45	Q2
10Y	+5.99%	+2.51%	+3.48	12 / 43	Q2
Inception	+7.04%	+2.50%	+4.55	8 / 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
2026 YTD	+3.67%	+1.57%	+2.10	12 / 38
2025	+6.47%	+2.63%	+3.84	8 / 38
2024	+7.27%	+3.08%	+4.19	10 / 38
2023	+6.93%	+3.02%	+3.91	11 / 38
2022	+4.73%	+2.16%	+2.57	17 / 40
2021	+3.22%	+1.46%	+1.75	14 / 40
2020	+4.11%	+1.63%	+2.47	10 / 44
2019	+6.45%	+2.29%	+4.16	12 / 45
2018	+7.35%	+2.61%	+4.74	10 / 45
2017	+6.62%	+2.33%	+4.29	8 / 45
2016	+7.58%	+2.72%	+4.86	10 / 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

+7.07%

236 windows

min 3.1% · max 9.8%

100% positive

3-Year rolling

+7.03%

212 windows

min 3.9% · max 9.4%

100% positive

5-Year rolling

+7.05%

187 windows

min 5.1% · max 9.1%

100% positive

7-Year rolling

+7.16%

163 windows

min 5.5% · max 8.5%

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

0.26%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.01%

Jul 2026 → Jul 2026

% positive months

100.0%

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	Fund house	NAV	As of
SBI Liquid Fund - Institutional - Growth	SBI	₹4,395.9408	26 Jul 2026
ICICI Prudential Liquid Fund - Daily IDCW	ICICI Prudential	₹100.1482	26 Jul 2026
Franklin India Liquid Fund - Super Institutional Plan - Daily - IDCW	Franklin Templeton	₹1,000.0000	26 Jul 2026
Kotak Liquid Fund - Regular - Daily Reinvestment of Income Distribution cum capital withdrawal option	Kotak Mahindra	₹1,274.9641	26 Jul 2026
DSP Liquidity Fund - Regular Plan - Growth	DSP BlackRock	₹3,980.1908	26 Jul 2026
HSBC Liquid Fund - Institutional Daily IDCW	HSBC	₹1,562.8262	26 Jul 2026
CANARA ROBECO LIQUID FUND - REGULAR PLAN - DAILY IDCW (Reinvestment)	Canara Robeco	₹1,005.5000	26 Jul 2026
Tata Liquid Fund -Regular Plan - Growth Option	UTI	₹4,388.7418	26 Jul 2026
Aditya Birla Sun Life Liquid Fund - Growth	Birla Sun Life	₹449.1787	26 Jul 2026
Invesco India Liquid Fund - Daily IDCW (Reinvestment)	Religare	₹1,002.7594	26 Jul 2026

Recent NAVs

Date	NAV
26 Jul 2026	₹5,631.2419
24 Jul 2026	₹5,629.3846
23 Jul 2026	₹5,628.0573
22 Jul 2026	₹5,626.9461
21 Jul 2026	₹5,626.5066
20 Jul 2026	₹5,625.5994
19 Jul 2026	₹5,624.9366
17 Jul 2026	₹5,623.1014
16 Jul 2026	₹5,621.5123
15 Jul 2026	₹5,620.3430

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 Plan - Growth is ₹5,631.2419. 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 Plan - Growth 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 Plan - Growth 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 Plan - Growth has delivered a absolute return of 6.25% — +3.82 pp ahead of the Liquid Fund category average of 2.44%. The fund ranks #12 of 46 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Kotak Liquid Fund - Regular Plan - Growth has delivered a CAGR of 6.84% — +4.22 pp ahead of the Liquid Fund category average of 2.63%. The fund ranks #10 of 46 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Kotak Liquid Fund - Regular Plan - Growth has delivered a CAGR of 6.12% — +3.6 pp ahead of the Liquid Fund category average of 2.52%. The fund ranks #11 of 45 in its category — the top (Q1) quartile.

₹1 lakh invested in Kotak Liquid Fund - Regular Plan - Growth exactly 10 years ago would be worth approximately ₹178,983 today — a multiplier of 1.79×, based on the 10-year CAGR of 5.99%. 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 Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹709,149 today. That's an XIRR (money-weighted annualised return) of 6.62%.

A ₹10,000 monthly SIP for 10 years in Kotak Liquid Fund - Regular Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,630,216 (multiplier 1.36×). XIRR: 5.97%. 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 Plan - Growth ranks #11 out of 45 funds in the Liquid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.52%; this fund delivered 6.12%.

The worst peak-to-trough decline Kotak Liquid Fund - Regular Plan - Growth has experienced over the last 5-year window is 0.03% — its NAV fell from a high on 03 May 2022 to a low on 05 May 2022. 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 Plan - Growth averaged 7.05% (best 9.07%, worst 5.09%). 100% of rolling windows ended positive.

In calendar year 2025, Kotak Liquid Fund - Regular Plan - Growth returned 6.47% — beating the Liquid Fund category average of 2.63% by 3.84 pp. It ranked #8 of 38 in its category that year.

Kotak Liquid Fund - Regular Plan - Growth 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 Plan - Growth 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)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.0%. 5-year CAGR: 6.12%.

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

Kotak Liquid Fund - Regular Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Liquid Fund

Recent NAVs

Frequently asked questions

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