Kotak Gilt - Investment - PF and Trust - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Gilt Fund

No of Debt Holding 48 (Category Avg - 19.48) | Modified Duration 11.62 Years (Category Avg - 9.00)| Yield to Maturity 7.29% (Category Avg - 7.03%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	96.81%	101.60%
T-Bills	0.00%	1.19%

Category - Gilt Fund

Security Type	% Weight	Category Average
Government Backed	96.81%	102.79%
Low Risk	0.00%	0.00%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Gilt Fund

Debt holding in Portfolio (as on 31st Oct,2025)

Instrument	Type	Sector	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other	11239.23	33.15%	11.13 Cr
Bond - Govt of India	GOI	Other	8544.91	25.20%	8.52 Cr
Bond - Govt of India	GOI	Other	3542.04	10.45%	3.66 Cr
Bond - Govt of India	GOI	Other	3465.37	10.22%	3.65 Cr
Bond - Govt of India	GOI	Other	2243.95	6.62%	2.29 Cr
Bond - Govt of India	GOI	Other	489.05	1.44%	50.00 L
Bond - Govt of India	GOI	Other	207.67	0.61%	46.39 L
Bond - Govt of India	GOI	Other	174.85	0.52%	31.20 L
Bond - Govt of India	GOI	Other	169.02	0.50%	31.20 L
Bond - Govt of India	GOI	Other	161.47	0.48%	35.97 L
Bond - Govt of India	GOI	Other	160.04	0.47%	41.10 L
Bond - Govt of India	GOI	Other	157.35	0.46%	30.83 L
Bond - Govt of India	GOI	Other	155.42	0.46%	35.97 L
Bond - Govt of India	GOI	Other	144.22	0.43%	31.20 L
Bond - Govt of India	GOI	Other	143.57	0.42%	30.83 L
Bond - Govt of India	GOI	Other	118.38	0.35%	30.36 L
Bond - Govt of India	GOI	Other	115.53	0.34%	30.83 L
Bond - Govt of India	GOI	Other	114.37	0.34%	23.50 L
Bond - Govt of India	GOI	Other	113.71	0.34%	11.00 L
Bond - Govt of India	GOI	Other	106.16	0.31%	25.51 L
Bond - Govt of India	GOI	Other	90.72	0.27%	30.36 L
Bond - Govt of India	GOI	Other	84.31	0.25%	30.36 L
Bond - Govt of India	GOI	Other	83.70	0.25%	26.23 L
Bond - Govt of India	GOI	Other	73.00	0.22%	7.00 L
Bond - Govt of India	GOI	Other	69.54	0.21%	15.60 L
Bond - Govt of India	GOI	Other	68.12	0.20%	20.56 L
Bond - Govt of India	GOI	Other	67.32	0.20%	25.19 L
Bond - Govt of India	GOI	Other	66.96	0.20%	15.60 L
Bond - Govt of India	GOI	Other	64.79	0.19%	25.19 L
Bond - Govt of India	GOI	Other	64.33	0.19%	15.41 L
Bond - Govt of India	GOI	Other	62.17	0.18%	11.87 L
Bond - Govt of India	GOI	Other	61.85	0.18%	25.19 L
Bond - Govt of India	GOI	Other	58.20	0.17%	13.51 L
Bond - Govt of India	GOI	Other	52.38	0.15%	5.00 L
Bond - Govt of India	GOI	Other	52.03	0.15%	5.00 L
Bond - Govt of India	GOI	Other	31.43	0.09%	3.15 L
Bond - Govt of India	GOI	Other	30.42	0.09%	3.00 L
Bond - Govt of India	GOI	Other	26.76	0.08%	2.55 L
Bond - Govt of India	GOI	Other	20.97	0.06%	2.00 L
Bond - Govt of India	GOI	Other	20.94	0.06%	2.00 L
Bond - Govt of India	GOI	Other	20.71	0.06%	5.14 L
Bond - Govt of India	GOI	Other	21.12	0.06%	5.67 L
Bond - Govt of India	GOI	Other	17.45	0.05%	5.67 L
Bond - Govt of India	GOI	Other	17.60	0.05%	1.75 L
Bond - Govt of India	GOI	Other	15.61	0.05%	1.50 L
Bond - Govt of India	GOI	Other	9.59	0.03%	97.10 k
Bond - Govt of India	GOI	Other	2.61	0.01%	25.00 k
Bond - Govt of India	GOI	Other	0.04	0.00%	375.00