Should I invest in Kotak-Small Cap Fund?

We don't give personal investment advice. Kotak-Small Cap Fund - Growth - Direct 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: 24.7%. 5-year CAGR: 14.26%.

Kotak

Kotak-Small Cap Fund - Growth - Direct

Latest NAV

₹318.5500

As of

17 Jul 2026

3,331 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	-0.54%	-0.55%	+0.02	19 / 36	Q3
1W	-0.61%	-0.78%	+0.16	12 / 36	Q2
2W	-0.14%	+0.21%	-0.35	25 / 36	Q3
1M	+3.05%	+2.84%	+0.22	16 / 36	Q2
3M	+8.85%	+10.77%	-1.92	26 / 36	Q3
6M	+11.99%	+14.16%	-2.17	21 / 34	Q3
YTD	+8.03%	+10.96%	-2.93	25 / 33	Q4
1Y	+0.20%	+6.25%	-6.06	29 / 32	Q4
2Y	+0.20%	+4.89%	-4.69	27 / 29	Q4
3Y	+14.06%	+18.29%	-4.23	21 / 25	Q4
4Y	+16.33%	+21.13%	-4.80	21 / 22	Q4
5Y	+14.26%	+17.21%	-2.95	20 / 22	Q4
7Y	+23.42%	+24.32%	-0.90	10 / 18	Q3
10Y	+18.05%	+18.28%	-0.24	7 / 13	Q3
Inception	+18.91%	+19.38%	-0.48	20 / 36	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	+8.03%	+10.96%	-2.93	25 / 33
2025	-9.12%	-4.11%	-5.01	27 / 30
2024	+26.34%	+27.89%	-1.55	15 / 28
2023	+36.31%	+43.05%	-6.74	19 / 24
2022	-1.72%	+2.92%	-4.64	18 / 22
2021	+71.58%	+63.14%	+8.44	6 / 21
2020	+35.74%	+32.77%	+2.97	5 / 18
2019	+6.40%	+0.57%	+5.84	4 / 16
2018	-15.97%	-16.20%	+0.22	6 / 13
2017	+44.80%	+49.31%	-4.52	7 / 13
2016	+9.67%	+6.15%	+3.52	4 / 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

+25.29%

153 windows

min -21.5% · max 127.8%

78% positive

3-Year rolling

+21.81%

129 windows

min -8.0% · max 48.0%

96% positive

5-Year rolling

+21.12%

105 windows

min 2.5% · max 38.1%

100% positive

7-Year rolling

+20.21%

80 windows

min 11.2% · max 24.3%

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

17.32%

3-year · annualised

Sharpe ratio

0.47

vs risk-free 6.5%

Sortino ratio

0.72

Downside-only deviation

Max drawdown

-24.67%

Oct 2024 → Mar 2025

% positive months

63.9%

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 Small Cap Fund

Scheme	Fund house	NAV	As of
HDFC Small Cap Fund - Growth Option - Direct Plan	HDFC	₹160.5300	17 Jul 2026
Nippon India Small Cap Fund - Direct Plan Growth Plan - Bonus Option	Nippon India	₹203.5938	17 Jul 2026
SBI Small Cap Fund - Direct Plan - Growth	SBI	₹208.9152	17 Jul 2026
ICICI Prudential Smallcap Fund - Direct Plan - Growth	ICICI Prudential	₹100.5000	17 Jul 2026
Invesco India Smallcap Fund - Direct Plan - Growth	Invesco	₹52.7200	17 Jul 2026
BANDHAN SMALL CAP FUND - DIRECT PLAN GROWTH	Bandhan	₹55.5270	17 Jul 2026
quant Small Cap Fund - Growth Option - Direct Plan	Quant	₹313.4689	17 Jul 2026
QUANTUM SMALL CAP FUND - DIRECT PLAN GROWTH OPTION	Quantum	₹13.9100	17 Jul 2026
Aditya Birla Sun Life Small Cap Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹109.4685	17 Jul 2026
Motilal Oswal Small Cap Fund - Direct - Growth	Motilal Oswal	₹16.8394	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹318.5500
16 Jul 2026	₹320.2680
15 Jul 2026	₹320.7660
14 Jul 2026	₹318.5920
13 Jul 2026	₹321.6430
10 Jul 2026	₹320.5100
9 Jul 2026	₹316.3490
8 Jul 2026	₹311.6490
7 Jul 2026	₹316.8130
6 Jul 2026	₹319.1670

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 17 Jul 2026, the NAV of Kotak-Small Cap Fund - Growth - Direct is ₹318.5500. It's a Small Cap Fund from Kotak, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak-Small Cap Fund - Growth - Direct has NAV history starting from 02 Jan 2013, a track record of about 13 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-Small Cap Fund - Growth - Direct is managed by Kotak. It's classified by AMFI under the 'Small Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak-Small Cap Fund - Growth - Direct has delivered a absolute return of 0.20% — -6.06 pp behind the Small Cap Fund category average of 6.25%. The fund ranks #29 of 32 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Kotak-Small Cap Fund - Growth - Direct has delivered a CAGR of 14.06% — -4.23 pp behind the Small Cap Fund category average of 18.29%. The fund ranks #21 of 25 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Kotak-Small Cap Fund - Growth - Direct has delivered a CAGR of 14.26% — -2.95 pp behind the Small Cap Fund category average of 17.21%. The fund ranks #20 of 22 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Kotak-Small Cap Fund - Growth - Direct exactly 10 years ago would be worth approximately ₹525,512 today — a multiplier of 5.26×, based on the 10-year CAGR of 18.05%. The category average over the same window would have grown ₹1 lakh to ₹536,108.

A ₹10,000 monthly SIP in Kotak-Small Cap Fund - Growth - Direct over the last 5 years — total invested ₹600,000 — would be worth ₹828,822 today. That's an XIRR (money-weighted annualised return) of 12.88%.

A ₹10,000 monthly SIP for 10 years in Kotak-Small Cap Fund - Growth - Direct = ₹1,200,000 invested. It would currently be worth ₹3,261,227 (multiplier 2.72×). XIRR: 18.99%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak-Small Cap Fund - Growth - Direct ranks #20 out of 22 funds in the Small Cap Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 17.21%; this fund delivered 14.26%.

The worst peak-to-trough decline Kotak-Small Cap Fund - Growth - Direct has experienced over the last 5-year window is 24.67% — its NAV fell from a high on 01 Oct 2024 to a low on 03 Mar 2025. 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-Small Cap Fund - Growth - Direct averaged 21.12% (best 38.13%, worst 2.46%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.49 — weak risk-adjusted performance.

In calendar year 2025, Kotak-Small Cap Fund - Growth - Direct returned -9.12% — lagging the Small Cap Fund category average of -4.11% by 5.01 pp. It ranked #27 of 30 in its category that year.

Kotak-Small Cap Fund - Growth - Direct 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-Small Cap Fund - Growth - Direct 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: 24.7%. 5-year CAGR: 14.26%.

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