Should I invest in Kotak Pioneer Fund?

We don't give personal investment advice. Kotak Pioneer Fund-Direct Plan-Reinvestment of Income Distribution cum capital withdrawal 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: 16.79%.

Kotak

Kotak Pioneer Fund-Direct Plan-Reinvestment of Income Distribution cum capital withdrawal option

Latest NAV

₹36.6420

As of

2 Jun 2026

1,617 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	+0.56%	+0.27%	+0.29	64 / 249	Q2
1W	-0.35%	-1.33%	+0.98	43 / 249	Q1
2W	+1.81%	-0.44%	+2.25	55 / 251	Q1
1M	+3.26%	-0.98%	+4.24	28 / 251	Q1
3M	+8.39%	+0.91%	+7.49	41 / 249	Q1
6M	+3.03%	-3.35%	+6.38	61 / 241	Q2
YTD	+3.64%	-3.40%	+7.04	54 / 241	Q1
1Y	+11.52%	+2.11%	+9.41	36 / 225	Q1
2Y	+11.62%	+1.79%	+9.84	16 / 181	Q1
3Y	+21.46%	+12.30%	+9.16	16 / 142	Q1
4Y	+20.21%	+11.74%	+8.47	16 / 122	Q1
5Y	+16.79%	+8.93%	+7.86	17 / 111	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+21.80%	+8.52%	+13.28	10 / 251	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	+3.64%	-2.64%	+6.29	53 / 237
2025	+7.20%	+1.49%	+5.71	56 / 204
2024	+30.31%	+20.10%	+10.22	24 / 158
2023	+38.27%	+30.21%	+8.06	33 / 131
2022	-6.90%	+1.48%	-8.38	94 / 119
2021	+38.27%	+31.54%	+6.73	34 / 106
2020	+35.41%	+19.90%	+15.52	17 / 95
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

+27.18%

69 windows

min -9.5% · max 110.7%

90% positive

3-Year rolling

+22.56%

44 windows

min 15.0% · max 33.2%

100% positive

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

5-Year rolling

+23.41%

20 windows

min 15.6% · max 29.4%

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

14.13%

3-year · annualised

Sharpe ratio

1.00

vs risk-free 6.5%

Sortino ratio

1.69

Downside-only deviation

Max drawdown

-19.28%

Sep 2024 → Apr 2025

% positive months

75.0%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan	HDFC	₹15.9390	3 Jun 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹31.2458	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.7560	3 Jun 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹64.9400	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹13.3100	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹20.2732	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹29.4200	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.3281	3 Jun 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.3581	3 Jun 2026

Recent NAVs

Date	NAV
2 Jun 2026	₹36.6420
1 Jun 2026	₹36.4390
29 May 2026	₹36.6980
27 May 2026	₹36.9520
26 May 2026	₹36.7710
25 May 2026	₹36.6370
22 May 2026	₹36.4530
21 May 2026	₹36.3080
20 May 2026	₹36.2400
19 May 2026	₹35.9890

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 02 Jun 2026, the NAV of Kotak Pioneer Fund-Direct Plan-Reinvestment of Income Distribution cum capital withdrawal option is ₹36.6420. It's a Sectoral/Thematic Fund from Kotak, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Kotak Pioneer Fund-Direct Plan-Reinvestment of Income Distribution cum capital withdrawal option has NAV history starting from 06 Nov 2019, a track record of about 6 years 6 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-Reinvestment of Income Distribution cum capital withdrawal 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-Reinvestment of Income Distribution cum capital withdrawal option has delivered a absolute return of 11.52% — +9.41 pp ahead of the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #36 of 225 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Kotak Pioneer Fund-Direct Plan-Reinvestment of Income Distribution cum capital withdrawal option has delivered a CAGR of 21.46% — +9.16 pp ahead of the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #16 of 142 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Kotak Pioneer Fund-Direct Plan-Reinvestment of Income Distribution cum capital withdrawal option has delivered a CAGR of 16.79% — +7.86 pp ahead of the Sectoral/Thematic Fund category average of 8.93%. The fund ranks #17 of 111 in its category — the top (Q1) quartile.

₹1 lakh invested in Kotak Pioneer Fund-Direct Plan-Reinvestment of Income Distribution cum capital withdrawal option exactly 5 years ago would be worth approximately ₹217,280 today — a multiplier of 2.17×, based on the 5-year CAGR of 16.79%. The category average over the same window would have grown ₹1 lakh to ₹153,347.

A ₹10,000 monthly SIP in Kotak Pioneer Fund-Direct Plan-Reinvestment of Income Distribution cum capital withdrawal option over the last 5 years — total invested ₹600,000 — would be worth ₹932,724 today. That's an XIRR (money-weighted annualised return) of 17.67%.

Kotak Pioneer Fund-Direct Plan-Reinvestment of Income Distribution cum capital withdrawal option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹932,724 — XIRR 17.67%.

On a 5-year basis, Kotak Pioneer Fund-Direct Plan-Reinvestment of Income Distribution cum capital withdrawal option ranks #17 out of 111 funds in the Sectoral/Thematic Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 8.93%; this fund delivered 16.79%.

The worst peak-to-trough decline Kotak Pioneer Fund-Direct Plan-Reinvestment of Income Distribution cum capital withdrawal option has experienced over the last 5-year window is 21.73% — 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-Reinvestment of Income Distribution cum capital withdrawal option averaged 23.41% (best 29.39%, worst 15.55%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.71 — reasonable risk-adjusted performance.

In calendar year 2025, Kotak Pioneer Fund-Direct Plan-Reinvestment of Income Distribution cum capital withdrawal option returned 7.20% — beating the Sectoral/Thematic Fund category average of 1.49% by 5.71 pp. It ranked #56 of 204 in its category that year.

Kotak Pioneer Fund-Direct Plan-Reinvestment of Income Distribution cum capital withdrawal 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-Reinvestment of Income Distribution cum capital withdrawal 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: 16.79%.

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