Should I invest in Kotak Pioneer Fund?

We don't give personal investment advice. Kotak Pioneer Fund- Direct Plan- Growth 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. Worst 5-year drawdown: 21.7%. 5-year CAGR: 17.24%.

Kotak

Kotak Pioneer Fund- Direct Plan- Growth Option

Latest NAV

₹38.4190

As of

16 Jul 2026

1,648 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	-0.35%	-0.05%	-0.30	186 / 258	Q3
1W	+0.19%	-0.18%	+0.37	68 / 258	Q2
2W	+0.80%	-0.17%	+0.97	57 / 259	Q1
1M	+3.59%	+1.63%	+1.96	58 / 259	Q1
3M	+10.66%	+4.83%	+5.83	42 / 259	Q1
6M	+11.31%	+4.61%	+6.70	56 / 250	Q1
YTD	+8.65%	+2.98%	+5.67	56 / 247	Q1
1Y	+11.70%	+5.46%	+6.25	48 / 235	Q1
2Y	+9.71%	+4.09%	+5.62	35 / 187	Q1
3Y	+20.47%	+15.93%	+4.54	39 / 148	Q2
4Y	+22.03%	+17.58%	+4.44	29 / 121	Q1
5Y	+17.24%	+13.72%	+3.52	30 / 110	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+22.23%	+12.07%	+10.16	17 / 259	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	+8.65%	+3.40%	+5.25	56 / 244
2025	+7.20%	+4.41%	+2.80	73 / 208
2024	+30.32%	+23.18%	+7.14	32 / 155
2023	+38.28%	+33.51%	+4.77	41 / 127
2022	-6.89%	+4.32%	-11.22	95 / 116
2021	+38.27%	+34.43%	+3.84	39 / 104
2020	+35.43%	+21.19%	+14.23	16 / 94
2019	—	—	—	—

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

+26.98%

70 windows

min -6.8% · max 94.2%

89% positive

3-Year rolling

+22.98%

46 windows

min 16.7% · max 36.4%

100% positive

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

5-Year rolling

+23.27%

21 windows

min 16.1% · max 34.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

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

13.65%

3-year · annualised

Sharpe ratio

0.97

vs risk-free 6.5%

Sortino ratio

1.80

Downside-only deviation

Max drawdown

-19.28%

Sep 2024 → Apr 2025

% positive months

66.7%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option - Direct Plan	HDFC	₹19.7420	17 Jul 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹13.0154	17 Jul 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.8700	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹14.5000	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹22.0723	17 Jul 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹24.7900	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹72.8200	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.5242	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- Growth	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
16 Jul 2026	₹38.4190
15 Jul 2026	₹38.5530
14 Jul 2026	₹38.2930
13 Jul 2026	₹38.4120
10 Jul 2026	₹38.5770
9 Jul 2026	₹38.3460
8 Jul 2026	₹37.7680
7 Jul 2026	₹38.2380
6 Jul 2026	₹38.3520
3 Jul 2026	₹38.1180

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 16 Jul 2026, the NAV of Kotak Pioneer Fund- Direct Plan- Growth Option is ₹38.4190. It's a Sectoral/Thematic Fund from Kotak, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak Pioneer Fund- Direct Plan- Growth Option has NAV history starting from 06 Nov 2019, a track record of about 6 years 8 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 Pioneer Fund- Direct Plan- Growth Option is managed by Kotak. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Pioneer Fund- Direct Plan- Growth Option has delivered a absolute return of 11.70% — +6.25 pp ahead of the Sectoral/Thematic Fund category average of 5.46%. The fund ranks #48 of 235 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Kotak Pioneer Fund- Direct Plan- Growth Option has delivered a CAGR of 20.47% — +4.54 pp ahead of the Sectoral/Thematic Fund category average of 15.93%. The fund ranks #39 of 148 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Kotak Pioneer Fund- Direct Plan- Growth Option has delivered a CAGR of 17.24% — +3.52 pp ahead of the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #30 of 110 in its category — the second (Q2) quartile.

₹1 lakh invested in Kotak Pioneer Fund- Direct Plan- Growth Option exactly 5 years ago would be worth approximately ₹221,512 today — a multiplier of 2.22×, based on the 5-year CAGR of 17.24%. The category average over the same window would have grown ₹1 lakh to ₹190,217.

A ₹10,000 monthly SIP in Kotak Pioneer Fund- Direct Plan- Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹959,845 today. That's an XIRR (money-weighted annualised return) of 18.85%.

Kotak Pioneer Fund- Direct Plan- Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹959,845 — XIRR 18.85%.

On a 5-year basis, Kotak Pioneer Fund- Direct Plan- Growth Option ranks #30 out of 110 funds in the Sectoral/Thematic Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 13.72%; this fund delivered 17.24%.

The worst peak-to-trough decline Kotak Pioneer Fund- Direct Plan- Growth Option has experienced over the last 5-year window is 21.72% — its NAV fell from a high on 16 Nov 2021 to a low on 20 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 Pioneer Fund- Direct Plan- Growth Option averaged 23.27% (best 34.12%, worst 16.14%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.70 — reasonable risk-adjusted performance.

In calendar year 2025, Kotak Pioneer Fund- Direct Plan- Growth Option returned 7.20% — beating the Sectoral/Thematic Fund category average of 4.41% by 2.80 pp. It ranked #73 of 208 in its category that year.

Kotak Pioneer Fund- Direct Plan- Growth 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 Pioneer Fund- Direct Plan- Growth 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. Worst 5-year drawdown: 21.7%. 5-year CAGR: 17.24%.

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