Kotak Gilt Fund (Investment Provident Fund and Trust) · Regular · Growth
NAV
₹99.6037
as of 31 Jul 2026
Expense Ratio
1.40%
AUM
₹40 Cr
Lumpsum returns (CAGR)
- 1Y
- +1.36%
- 3Y
- +5.12%
- 5Y
- +4.87%
- Since Inception
- +6.95%
SIP returns (XIRR)
- 1Y
- +4.28%
- 3Y
- +4.06%
- 5Y
- +4.80%
- Since Inception
- +7.12%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹7,90,245 today — ₹5,95,000 invested, 5.6% XIRR.
₹5,95,000
Invested
₹7,90,245
Value today
5.6%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,80,823 today (6.1% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹10,17,986.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,40,658 today (1.41×).
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-0.94
Sharpe Ratio
—
Alpha
—
Beta
-0.91
Sortino
3.99%
Std Dev
-5.40%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Investment Objective
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%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations