Kotak Gilt Fund (Investment Provident Fund and Trust) · Regular · Growth
NAV
₹98.8221
as of 29 Sept 2026
Expense Ratio
1.40%
AUM
₹40 Cr
Lumpsum returns (CAGR)
- 1Y
- +1.53%
- 3Y
- +4.59%
- 5Y
- +4.23%
- Since Inception
- +6.86%
SIP returns (XIRR)
- 1Y
- +2.58%
- 3Y
- +3.03%
- 5Y
- +4.19%
- Since Inception
- +6.98%
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹7,85,150 today — ₹6,00,000 invested, 5.3% XIRR.
₹6,00,000
Invested
₹7,85,150
Value today
5.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,74,268 today (5.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹9,57,526.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹1,39,554 today (1.40×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-1.41
Sharpe Ratio
—
Alpha
—
Beta
-1.36
Sortino
3.95%
Std Dev
-5.40%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
What this fund does
Kotak Gilt Fund (Investment Provident Fund and Trust) · Regular · Growth invests exclusively in government securities across various maturities. Gilt funds carry zero credit risk as they invest in sovereign-backed instruments, though they are subject to interest rate risk.
About This Fund
Kotak Gilt Fund (Investment Provident Fund and Trust) · Regular · Growth is a Gilt Fund mutual fund offered by Kotak Mahindra Mutual Fund. The fund has been operational for over 22 years. It manages assets worth ₹39.9 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY All Duration G-Sec Index. The current expense ratio is 1.40%.