Should I invest in Kotak Tech?

We don't give personal investment advice. Kotak Tech is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding.

Kotak Mahindra

Kotak Tech

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	-0.23%	+0.06%	-0.30	214 / 299	Q3
1W	+2.16%	-3.61%	+5.77	41 / 303	Q1
2W	-0.94%	-4.52%	+3.58	170 / 303	Q3
1M	+0.32%	-5.64%	+5.95	127 / 302	Q2
3M	+40.09%	-4.27%	+44.36	6 / 302	Q1
6M	+38.22%	+1.48%	+36.74	15 / 307	Q1
YTD	+35.23%	-0.18%	+35.41	21 / 309	Q1
1Y	-13.97%	+7.10%	-21.07	242 / 307	Q4
2Y	-24.70%	+2.20%	-26.91	291 / 303	Q4
3Y	-7.71%	+0.76%	-8.47	213 / 264	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-10.45%	+0.51%	-10.97	283 / 310	Q4

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
2009 YTD	+35.23%	+65.86%	-30.63	209 / 238
2008	-60.23%	-52.86%	-7.37	142 / 198
2007	-0.96%	+42.91%	-43.87	130 / 137
2006	—	—	—	—

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

-16.76%

28 windows

min -59.2% · max 50.9%

32% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

-13.59%

4 windows

min -20.4% · max -7.7%

0% positive

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

5-Year rolling

—

Insufficient history

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

31.25%

3-year · annualised

Sharpe ratio

-0.30

vs risk-free 6.5%

Sortino ratio

-0.39

Downside-only deviation

Max drawdown

-65.80%

Feb 2007 → Mar 2009

% positive months

55.6%

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.

Recent NAVs

Date	NAV
30 Jun 2009	₹6.0000
29 Jun 2009	₹6.0140
26 Jun 2009	₹6.1130
25 Jun 2009	₹5.9620
24 Jun 2009	₹5.9700
23 Jun 2009	₹5.8730
22 Jun 2009	₹5.8870
19 Jun 2009	₹5.9650
18 Jun 2009	₹5.8270
17 Jun 2009	₹5.8860

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.

Kotak Tech is a Growth from Kotak Mahindra (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Kotak Tech has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Kotak Tech is managed by Kotak Mahindra. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Tech has delivered a absolute return of -13.97% — -21.07 pp behind the Growth category average of 7.10%. The fund ranks #242 of 307 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Kotak Tech has delivered a CAGR of -7.71% — -8.47 pp behind the Growth category average of 0.76%. The fund ranks #213 of 264 in its category — the bottom (Q4) quartile.

Kotak Tech doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Kotak Tech exactly 3 years ago would be worth approximately ₹78,596 today — a multiplier of 0.79×, based on the 3-year CAGR of -7.71%. The category average over the same window would have grown ₹1 lakh to ₹102,292.

A ₹10,000 monthly SIP in Kotak Tech over the last 3 years — total invested ₹360,000 — would be worth ₹297,192 today. That's an XIRR (money-weighted annualised return) of -12.04%.

Kotak Tech doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹297,192 — XIRR -12.04%.

On a 3-year basis, Kotak Tech ranks #213 out of 264 funds in the Growth category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 0.76%; this fund delivered -7.71%.

The worst peak-to-trough decline Kotak Tech has experienced over the last 3-year window is 65.80% — its NAV fell from a high on 07 Feb 2007 to a low on 12 Mar 2009. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, Kotak Tech averaged -13.59% (best -7.71%, worst -20.38%). 0% of rolling windows ended positive. The 3-year Sharpe ratio is -0.30 — negative risk-adjusted performance.

In calendar year 2008, Kotak Tech returned -60.23% — lagging the Growth category average of -52.86% by 7.37 pp. It ranked #142 of 198 in its category that year.

Kotak Tech doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Kotak Tech is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding.

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