Should I invest in Kotak-Small Cap Fund?

We don't give personal investment advice. Kotak-Small Cap Fund - Payout of Income Distribution cum capital withdrawal option - 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 - Payout of Income Distribution cum capital withdrawal option - Direct

Latest NAV

₹139.9170

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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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%	-0.57%	+0.03	18 / 35	Q3
1W	-0.61%	-0.78%	+0.17	12 / 35	Q2
2W	-0.14%	+0.24%	-0.38	26 / 35	Q3
1M	+3.05%	+2.49%	+0.56	16 / 35	Q2
3M	+8.85%	+9.82%	-0.97	21 / 35	Q3
6M	+11.99%	+11.04%	+0.94	13 / 34	Q2
YTD	+8.03%	+7.75%	+0.29	14 / 33	Q2
1Y	+0.20%	+2.05%	-1.85	21 / 31	Q3
2Y	+0.20%	+0.72%	-0.52	16 / 28	Q3
3Y	+14.06%	+13.37%	+0.69	10 / 25	Q2
4Y	+16.33%	+16.28%	+0.06	12 / 22	Q3
5Y	+14.26%	+12.69%	+1.57	9 / 22	Q2
7Y	+21.02%	+19.45%	+1.57	10 / 18	Q3
10Y	+15.30%	+12.48%	+2.82	4 / 12	Q2
Inception	+15.77%	+16.03%	-0.26	19 / 35	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%	+7.75%	+0.29	14 / 33
2025	-9.12%	-7.90%	-1.22	19 / 29
2024	+26.34%	+24.76%	+1.58	12 / 27
2023	+36.31%	+37.24%	-0.92	11 / 24
2022	-1.72%	-0.11%	-1.61	12 / 22
2021	+63.23%	+55.27%	+7.96	6 / 21
2020	+24.32%	+29.60%	-5.27	12 / 18
2019	+3.19%	-1.92%	+5.11	7 / 15
2018	-18.33%	-22.11%	+3.78	4 / 12
2017	+39.34%	+42.66%	-3.33	8 / 12
2016	+5.67%	+2.55%	+3.12	5 / 12

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

+21.54%

153 windows

min -28.1% · max 116.7%

78% positive

3-Year rolling

+18.25%

129 windows

min -12.4% · max 45.5%

92% positive

5-Year rolling

+17.26%

105 windows

min -2.0% · max 36.8%

97% positive

7-Year rolling

+16.16%

80 windows

min 6.3% · max 21.0%

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 - IDCW Option - Direct Plan	HDFC	₹64.9880	17 Jul 2026
NIPPON INDIA SMALL CAP FUND - Direct Plan - IDCW Option	Nippon India	₹108.2762	17 Jul 2026
SBI Small Cap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹142.5935	17 Jul 2026
ICICI Prudential Smallcap Fund - Direct Plan - IDCW	ICICI Prudential	₹69.5500	17 Jul 2026
Invesco India Smallcap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹39.1700	17 Jul 2026
BANDHAN SMALL CAP FUND - DIRECT PLAN IDCW	Bandhan	₹38.6450	17 Jul 2026
quant Small Cap Fund - IDCW Option - Direct Plan	Quant	₹245.0357	17 Jul 2026
Aditya Birla Sun Life Small Cap Fund -Direct - IDCW	Aditya Birla Sun Life	₹76.8382	17 Jul 2026
Motilal Oswal Small Cap Fund - Direct IDCW	Motilal Oswal	₹16.8394	17 Jul 2026
Franklin India Small Cap Fund - Direct - IDCW	Franklin India	₹52.9724	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹139.9170
16 Jul 2026	₹140.6710
15 Jul 2026	₹140.8900
14 Jul 2026	₹139.9350
13 Jul 2026	₹141.2760
10 Jul 2026	₹140.7780
9 Jul 2026	₹138.9500
8 Jul 2026	₹136.8860
7 Jul 2026	₹139.1540
6 Jul 2026	₹140.1880

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 - Payout of Income Distribution cum capital withdrawal option - Direct is ₹139.9170. It's a Small Cap Fund from Kotak, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Kotak-Small Cap Fund - Payout of Income Distribution cum capital withdrawal option - 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 - Payout of Income Distribution cum capital withdrawal option - 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 - Payout of Income Distribution cum capital withdrawal option - Direct has delivered a absolute return of 0.20% — -1.85 pp behind the Small Cap Fund category average of 2.05%. The fund ranks #21 of 31 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Kotak-Small Cap Fund - Payout of Income Distribution cum capital withdrawal option - Direct has delivered a CAGR of 14.06% — +0.69 pp ahead of the Small Cap Fund category average of 13.37%. The fund ranks #10 of 25 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Kotak-Small Cap Fund - Payout of Income Distribution cum capital withdrawal option - Direct has delivered a CAGR of 14.26% — +1.57 pp ahead of the Small Cap Fund category average of 12.69%. The fund ranks #9 of 22 in its category — the second (Q2) quartile.

₹1 lakh invested in Kotak-Small Cap Fund - Payout of Income Distribution cum capital withdrawal option - Direct exactly 10 years ago would be worth approximately ₹415,346 today — a multiplier of 4.15×, based on the 10-year CAGR of 15.30%. The category average over the same window would have grown ₹1 lakh to ₹324,109.

A ₹10,000 monthly SIP in Kotak-Small Cap Fund - Payout of Income Distribution cum capital withdrawal option - 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 - Payout of Income Distribution cum capital withdrawal option - Direct = ₹1,200,000 invested. It would currently be worth ₹2,928,523 (multiplier 2.44×). XIRR: 16.99%. 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 - Payout of Income Distribution cum capital withdrawal option - Direct ranks #9 out of 22 funds in the Small Cap Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 12.69%; this fund delivered 14.26%.

The worst peak-to-trough decline Kotak-Small Cap Fund - Payout of Income Distribution cum capital withdrawal option - 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 - Payout of Income Distribution cum capital withdrawal option - Direct averaged 17.26% (best 36.76%, worst -2.01%). 97% 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 - Payout of Income Distribution cum capital withdrawal option - Direct returned -9.12% — lagging the Small Cap Fund category average of -7.90% by 1.22 pp. It ranked #19 of 29 in its category that year.

Kotak-Small Cap Fund - Payout of Income Distribution cum capital withdrawal option - 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 - Payout of Income Distribution cum capital withdrawal option - 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.