Should I invest in Kotak Medium Term Fund?

We don't give personal investment advice. Kotak Medium Term Fund - 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: 1.7%. 5-year CAGR: 6.26%.

Kotak

Kotak Medium Term Fund - Growth

Latest NAV

₹23.8873

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	+0.02%	+73.82%	-73.80	3 / 4	Q3
1W	+0.22%	+15.95%	-15.73	3 / 6	Q2
2W	+0.46%	+39.45%	-38.98	3 / 5	Q3
1M	+0.21%	+39.75%	-39.54	4 / 5	Q4
3M	+0.09%	+41.54%	-41.45	4 / 5	Q4
6M	+1.27%	+44.79%	-43.52	4 / 5	Q4
YTD	+1.11%	+42.83%	-41.72	4 / 5	Q4
1Y	+4.99%	+53.33%	-48.34	4 / 5	Q4
2Y	+7.41%	+26.38%	-18.98	3 / 4	Q3
3Y	+7.39%	+6.54%	+0.85	2 / 3	Q3
4Y	+7.04%	+6.57%	+0.47	2 / 3	Q3
5Y	+6.26%	+7.05%	-0.78	2 / 3	Q3
7Y	+6.64%	+5.27%	+1.37	2 / 3	Q3
10Y	+6.73%	+5.92%	+0.81	2 / 3	Q3
Inception	+7.37%	+27.09%	-19.72	3 / 4	Q3

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	+1.11%	+1.33%	-0.22	2 / 2
2025	+8.84%	+9.24%	-0.40	2 / 2
2024	+8.94%	+8.64%	+0.30	1 / 2
2023	+6.10%	-28.98%	+35.08	2 / 3
2022	+3.17%	+101.00%	-97.83	2 / 3
2021	+4.63%	+4.90%	-0.27	3 / 4
2020	+8.43%	-6.60%	+15.03	1 / 3
2019	+6.96%	+2.95%	+4.00	1 / 3
2018	+5.36%	+5.96%	-0.60	2 / 3
2017	+6.29%	+7.13%	-0.84	3 / 3
2016	+10.87%	+10.10%	+0.77	2 / 3

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

+7.36%

137 windows

min 2.3% · max 12.3%

100% positive

3-Year rolling

+6.91%

113 windows

min 4.6% · max 10.4%

100% positive

5-Year rolling

+6.69%

88 windows

min 5.6% · max 8.7%

100% positive

7-Year rolling

+6.70%

64 windows

min 5.7% · max 8.1%

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

0.39

vs risk-free 6.5%

Sortino ratio

1.20

Downside-only deviation

Max drawdown

-0.98%

Feb 2026 → Apr 2026

% positive months

91.7%

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
Kotak Medium Term Fund - Direct Growth	Kotak	₹26.7884	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

Recent NAVs

Date	NAV
3 Jun 2026	₹23.8873
2 Jun 2026	₹23.8908
1 Jun 2026	₹23.8849
29 May 2026	₹23.8473
27 May 2026	₹23.8559
26 May 2026	₹23.8389
25 May 2026	₹23.8257
22 May 2026	₹23.7816
21 May 2026	₹23.7722
20 May 2026	₹23.7906

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 - Growth is ₹23.8873. It's a Medium Duration Fund from Kotak, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak Medium Term Fund - 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 - 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 - Growth has delivered a absolute return of 4.99% — -48.34 pp behind the Medium Duration Fund category average of 53.33%. The fund ranks #4 of 5 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Kotak Medium Term Fund - Growth has delivered a CAGR of 7.39% — +0.85 pp ahead of the Medium Duration Fund category average of 6.54%. The fund ranks #2 of 3 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Kotak Medium Term Fund - Growth has delivered a CAGR of 6.26% — -0.78 pp behind the Medium Duration Fund category average of 7.05%. The fund ranks #2 of 3 in its category — the third (Q3) quartile.

₹1 lakh invested in Kotak Medium Term Fund - Growth exactly 10 years ago would be worth approximately ₹191,859 today — a multiplier of 1.92×, based on the 10-year CAGR of 6.73%. The category average over the same window would have grown ₹1 lakh to ₹177,812.

A ₹10,000 monthly SIP in Kotak Medium Term Fund - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹713,299 today. That's an XIRR (money-weighted annualised return) of 6.85%.

A ₹10,000 monthly SIP for 10 years in Kotak Medium Term Fund - Growth = ₹1,200,000 invested. It would currently be worth ₹1,678,291 (multiplier 1.40×). XIRR: 6.53%. 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 - Growth ranks #2 out of 3 funds in the Medium Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 7.05%; this fund delivered 6.26%.

The worst peak-to-trough decline Kotak Medium Term Fund - Growth has experienced over the last 5-year window is 1.73% — 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 - Growth averaged 6.69% (best 8.70%, worst 5.56%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.22 — negative risk-adjusted performance.

In calendar year 2025, Kotak Medium Term Fund - Growth returned 8.84% — lagging the Medium Duration Fund category average of 9.24% by 0.40 pp. It ranked #2 of 2 in its category that year.

Kotak Medium Term Fund - 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 - 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: 1.7%. 5-year CAGR: 6.26%.

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

Kotak Medium Term Fund - 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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