Kotak Gilt - Investment - PF and Trust - IDCW

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

Fund House : Kotak Mahindra Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 11.6977 -0.27%
(as on 13th November, 2025)

Crisil Rating

Relatively weak performance among peers

Fund Size

: ₹ 3390.79 Cr

(7.6% of Investment in Category)

Expense Ratio

: 1.48%

(1.27% Category average)

Risk-O-Meter

Low to Moderate Risk

Gilt Fund :Gilt Fund : The fund has 96.81% investment in Debt, of which 96.81% in Government securities.

Suitable For : Investors who want to invest money for longer duration but their first and only priority is safety of their investments.

1M
3M
6M
1Y
2Y
5Y
ALL

This Scheme

VS

Nifty All Duration G-Sec Index

0%

0%

0%

0%

0%

0%

8.73%
NA
-0.84%

1.01%

-1.12%

4.45%

7.02%

4.97%

7.09%

NA
Gold

Compare with

Date : -
NAV : -

1M
3M
6M
9M
1Y
2Y
3Y
5Y
ALL

Date : -
Investment : -
Value on selected date : -

Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

₹

Investment Date
Sell Date

Investment Value

-
Sell Value

-
Profit/Loss

-
Annualised Returns

-

Date : -
Investment : -
Value on selected date : -

Returns (NAV as on 13th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	06-Nov-25	9982.00	-0.18%	-	-0.06%	24/25
1 Month	13-Oct-25	9823.40	-1.77%	-	-0.84%	24/25
3 Month	13-Aug-25	9941.70	-0.58%	-	1.01%	22/25
6 Month	13-May-25	9519.90	-4.80%	-	-1.12%	25/25
YTD	01-Jan-25	9974.80	-0.25%	-	3.73%	23/23
1 Year	13-Nov-24	10016.50	0.17%	0.16%	4.45%	23/23
2 Year	13-Nov-23	10949.30	9.49%	4.63%	7.02%	23/23
3 Year	11-Nov-22	11637.90	16.38%	5.17%	6.70%	20/22
5 Year	13-Nov-20	11943.10	19.43%	3.61%	4.97%	16/21
10 Year	13-Nov-15	15245.00	52.45%	4.30%	6.88%	12/21
Since Inception	11-Nov-03	30394.20	203.94%	5.18%	7.09%	18/26

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 13th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	13-Nov-24	12000	11795.41	-1.7 %	-3.13 %
2 Year	13-Nov-23	24000	24380.25	1.58 %	1.52 %
3 Year	11-Nov-22	36000	37929.91	5.36 %	3.41 %
5 Year	13-Nov-20	60000	66668.22	11.11 %	4.16 %
10 Year	13-Nov-15	120000	146508.37	22.09 %	3.91 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Portfolio (Updated on 31st Oct,2025)

No of Debt Holding 48 (Category Avg - 19.57) | Modified Duration 11.62 Years (Category Avg - 9.00)| Yield to Maturity 7.29% (Category Avg - 7.03%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	96.81%	101.69%
T-Bills	0.00%	1.19%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	96.81%	102.88%
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%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	1.78%
Net Receivables	Net Receivables	1.41%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st October, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

2.85vs2.46

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

1.37vs1.02

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.14vs0.43

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-1.78vs-1.05

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Prudential Gilt Fund - Growth	5	9146.09	-0.33	1.26	1.14	7.09	7.72
Baroda BNP Paribas Gilt Fund - Regular Plan - Growth	5	1341.67	-0.39	0.88	0.09	6.38	7.68
Axis Gilt Fund - Growth	4	575.76	-0.59	1.45	-0.20	5.71	7.40
HDFC Gilt Fund - Growth	4	2944.53	-0.63	1.30	-0.28	5.66	7.11
UTI Gilt Fund - Growth	3	564.69	0.34	1.50	-0.15	5.64	7.07
Franklin India Government Securities Fund - Growth	3	172.63	-0.17	1.86	0.02	5.56	6.01
SBI Magnum Gilt Fund - Regular Plan - Growth	4	11054.78	-0.30	1.48	-0.44	5.38	7.33
Tata Gilt Securities Fund - Regular Plan - Appreciation	3	1338.52	-1.33	0.76	-0.86	5.00	6.71
Quant Gilt Fund - Regular Plan - Growth	NA	116.41	-0.37	0.76	-0.20	4.52	0.00
PGIM India Gilt Fund - Growth	4	105.59	-1.25	0.90	-0.97	4.42	6.57

Detailed Comparison

More Funds from Kotak Mahindra Mutual Fund

Out of 122 mutual fund schemes offered by this AMC, 7 is/are ranked 4 * , 11 is/are ranked 3 * , 8 is/are ranked 2 * , 4 is/are ranked 1 * , and 92 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Kotak Arbitrage Fund - Growth	3	72279.21	0.54	1.43	2.88	6.47	7.30
Kotak Midcap Fund - Growth	4	60385.03	-0.90	2.38	11.05	8.00	21.40
Kotak Flexi Cap Fund - Growth	4	56039.86	1.37	3.96	7.20	11.99	16.54
Kotak Money Market Fund - Growth	4	35100.22	0.49	1.49	3.34	7.53	7.52
Kotak Liquid Fund - Regular Plan - Growth	2	34080.38	0.48	1.43	2.99	6.63	6.95
Kotak Large & Midcap Fund - Growth	3	29515.91	1.15	4.71	8.76	8.42	18.72
Kotak Multicap Fund - Regular Plan - Growth	4	21541.46	1.01	7.43	11.29	8.59	22.88
Kotak Corporate Bond Fund - Growth	3	18909.15	0.48	1.83	3.19	8.30	7.76
Kotak Bond Short Term Plan - Growth	3	18310.36	0.44	1.60	2.87	7.69	7.24
Kotak Small Cap Fund - Growth	2	18023.96	-0.46	0.39	5.31	-2.74	15.90