Should I invest in Kotak Medium Term Fund - Direct Growth?

We don't give personal investment advice. Kotak Medium Term Fund - Direct 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: 1.5%. 5-year CAGR: 7.33%.

Kotak

Kotak Medium Term Fund - Direct Growth

Latest NAV

₹26.7884

As of

3 Jun 2026

2,939 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%	+34.65%	-34.62	14 / 17	Q4
1W	+0.24%	+14.63%	-14.39	10 / 20	Q2
2W	+0.50%	+27.62%	-27.12	7 / 18	Q2
1M	+0.29%	+27.72%	-27.43	12 / 18	Q3
3M	+0.34%	+28.88%	-28.54	13 / 18	Q3
6M	+1.75%	+31.16%	-29.41	12 / 18	Q3
YTD	+1.52%	+29.50%	-27.98	13 / 18	Q3
1Y	+6.00%	+36.64%	-30.64	7 / 18	Q2
2Y	+8.44%	+16.81%	-8.36	5 / 17	Q2
3Y	+8.43%	+7.37%	+1.05	2 / 15	Q1
4Y	+8.09%	+7.49%	+0.60	3 / 14	Q1
5Y	+7.33%	+6.85%	+0.48	3 / 14	Q1
7Y	+7.67%	+6.81%	+0.86	5 / 13	Q2
10Y	+7.73%	+7.17%	+0.56	5 / 11	Q2
Inception	+8.39%	+11.10%	-2.71	7 / 17	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	+1.52%	+1.63%	-0.11	9 / 13
2025	+9.89%	+8.63%	+1.27	3 / 13
2024	+9.99%	+8.87%	+1.12	2 / 13
2023	+7.14%	-0.30%	+7.44	10 / 14
2022	+4.27%	+43.86%	-39.59	6 / 15
2021	+5.67%	+3.88%	+1.80	9 / 15
2020	+9.45%	+6.04%	+3.41	8 / 13
2019	+7.83%	+5.23%	+2.61	6 / 13
2018	+6.14%	+6.32%	-0.18	7 / 13
2017	+7.22%	+6.95%	+0.26	8 / 13
2016	+12.34%	+11.98%	+0.36	5 / 13

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

+8.39%

137 windows

min 3.4% · max 13.9%

100% positive

3-Year rolling

+7.93%

113 windows

min 5.6% · max 11.5%

100% positive

5-Year rolling

+7.70%

88 windows

min 6.5% · max 9.7%

100% positive

7-Year rolling

+7.70%

64 windows

min 6.7% · max 9.1%

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

1.70%

3-year · annualised

Sharpe ratio

0.96

vs risk-free 6.5%

Sortino ratio

3.25

Downside-only deviation

Max drawdown

-0.89%

Feb 2026 → Mar 2026

% positive months

94.4%

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 Medium Duration Fund

Scheme	Fund house	NAV	As of
HDFC Medium Term Debt Fund - Growth Option - Direct Plan	HDFC	₹64.2390	3 Jun 2026
Nippon India Medium Duration Fund - Direct Plan - Growth Option	Nippon India	₹17.9334	3 Jun 2026
SBI MEDIUM DURATION FUND - DIRECT PLAN - GROWTH	SBI	₹57.9957	3 Jun 2026
ICICI Prudential Medium Term Bond Fund - Direct Plan - Growth	ICICI Prudential	₹52.2680	3 Jun 2026
Invesco India Medium Duration Fund - Direct Plan - Growth	Invesco	₹1,326.1840	3 Jun 2026
Bandhan Medium Duration Fund - Direct Plan - Growth	Bandhan	₹51.8959	3 Jun 2026
Aditya Birla Sun Life Medium Term Plan - Growth - Direct Plan	Aditya Birla Sun Life	₹46.7093	3 Jun 2026
DSP Bond Fund - Direct Plan - Growth	DSP	₹90.1440	3 Jun 2026
HSBC Medium Duration Fund - Direct Growth	HSBC	₹23.3626	3 Jun 2026
UTI - Medium Term Fund (Segregated - 06032020) - Direct Plan - Growth Option	UTI	₹0.0000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹26.7884
2 Jun 2026	₹26.7916
1 Jun 2026	₹26.7842
29 May 2026	₹26.7400
27 May 2026	₹26.7483
26 May 2026	₹26.7285
25 May 2026	₹26.7129
22 May 2026	₹26.6615
21 May 2026	₹26.6501
20 May 2026	₹26.6701

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 03 Jun 2026, the NAV of Kotak Medium Term Fund - Direct Growth is ₹26.7884. It's a Medium Duration Fund from Kotak, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak Medium Term Fund - Direct Growth has NAV history starting from 25 Mar 2014, a track record of about 12 years 2 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 Medium Term Fund - Direct Growth is managed by Kotak. It's classified by AMFI under the 'Medium Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Medium Term Fund - Direct Growth has delivered a absolute return of 6.00% — -30.64 pp behind the Medium Duration Fund category average of 36.64%. The fund ranks #7 of 18 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Kotak Medium Term Fund - Direct Growth has delivered a CAGR of 8.43% — +1.05 pp ahead of the Medium Duration Fund category average of 7.37%. The fund ranks #2 of 15 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Kotak Medium Term Fund - Direct Growth has delivered a CAGR of 7.33% — +0.48 pp ahead of the Medium Duration Fund category average of 6.85%. The fund ranks #3 of 14 in its category — the top (Q1) quartile.

₹1 lakh invested in Kotak Medium Term Fund - Direct Growth exactly 10 years ago would be worth approximately ₹210,600 today — a multiplier of 2.11×, based on the 10-year CAGR of 7.73%. The category average over the same window would have grown ₹1 lakh to ₹199,947.

A ₹10,000 monthly SIP in Kotak Medium Term Fund - Direct Growth over the last 5 years — total invested ₹600,000 — would be worth ₹732,248 today. That's an XIRR (money-weighted annualised return) of 7.89%.

A ₹10,000 monthly SIP for 10 years in Kotak Medium Term Fund - Direct Growth = ₹1,200,000 invested. It would currently be worth ₹1,770,324 (multiplier 1.48×). XIRR: 7.54%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Medium Term Fund - Direct Growth ranks #3 out of 14 funds in the Medium Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 6.85%; this fund delivered 7.33%.

The worst peak-to-trough decline Kotak Medium Term Fund - Direct Growth has experienced over the last 5-year window is 1.51% — its NAV fell from a high on 06 Apr 2022 to a low on 17 Jun 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 Medium Term Fund - Direct Growth averaged 7.70% (best 9.70%, worst 6.51%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.34 — weak risk-adjusted performance.

In calendar year 2025, Kotak Medium Term Fund - Direct Growth returned 9.89% — beating the Medium Duration Fund category average of 8.63% by 1.27 pp. It ranked #3 of 13 in its category that year.

Kotak Medium Term Fund - Direct 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 Medium Term Fund - Direct 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: 1.5%. 5-year CAGR: 7.33%.

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

Kotak Medium Term Fund - Direct Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Medium Duration Fund

Recent NAVs

Frequently asked questions

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