Kotak Gilt Fund Overview
Category Gilt Fund
BMSMONEY Rank 17
Rating
Growth Option 18-07-2025
NAV ₹96.82(R) +0.33% ₹109.93(D) +0.33%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 7.26% 7.67% 5.37% 7.49% 7.39%
Direct 8.35% 8.8% 6.47% 8.6% 8.51%
Benchmark
SIP (XIRR) Regular -9.85% 1.93% 4.61% 5.83% 6.07%
Direct -8.95% 3.04% 5.73% 6.96% 7.18%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.54 0.24 0.61 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
3.07% -2.57% -2.16% - 2.22%
Fund AUM As on: 30/06/2025 3857 Cr
Top Gilt Fund
Fund Name Rank Rating
Icici Prudential Gilt Fund 1
Baroda BNP Paribas Gilt Fund 2
Axis Gilt Fund 3
Hdfc Gilt Fund 4

NAV Date: 18-07-2025

Scheme Name NAV Rupee Change Percent Change
Kotak Gilt-Investment Provident Fund and Trust-Payout of Income Distribution cum capital withdrawal option 12.08
0.0400
0.3300%
Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option 18.92
0.0600
0.3300%
Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct 24.51
0.0800
0.3300%
Kotak Gilt-Investment Regular-Growth 96.82
0.3200
0.3300%
Kotak Gilt-Investment Provident Fund and Trust-Growth 99.05
0.3300
0.3300%
Kotak Gilt-Investment Regular-Growth - Direct 109.93
0.3700
0.3300%
Kotak Gilt-Investment Provident Fund and Trust-Growth - Direct 112.59
0.3700
0.3300%

Review Date: 18-07-2025

Beginning of Analysis

Kotak Gilt Fund is the 17th ranked fund in the Gilt Fund category. The category has total 18 funds. The 1 star rating shows a very poor past performance of the Kotak Gilt Fund in Gilt Fund. The fund has a Sharpe Ratio of 0.54 which is lower than the category average of 0.71.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Gilt Mutual Funds are ideal for risk-averse investors seeking safety and stability in their debt portfolio. These funds are highly sensitive to interest rate changes and are best suited for long-term investors who can tolerate volatility. While they offer zero credit risk, their performance is closely tied to interest rate movements, making them less suitable for short-term goals. Investors should carefully assess their risk tolerance and investment horizon before investing in Gilt Funds. Additionally, choosing funds managed by experienced professionals can help navigate interest rate cycles effectively.

Kotak Gilt Fund Return Analysis

  • The fund has given a return of 1.24%, -0.28 and 4.48 in last one, three and six months respectively. In the same period the category average return was 0.88%, 0.21% and 4.93% respectively.
  • Kotak Gilt Fund has given a return of 8.35% in last one year. In the same period the Gilt Fund category average return was 8.94%.
  • The fund has given a return of 8.8% in last three years and ranked 6.0th out of 18 funds in the category. In the same period the Gilt Fund category average return was 8.55%.
  • The fund has given a return of 6.47% in last five years and ranked 6th out of 18 funds in the category. In the same period the Gilt Fund category average return was 6.15%.
  • The fund has given a return of 8.51% in last ten years and ranked 7th out of 16 funds in the category. In the same period the category average return was 8.13%.
  • The fund has given a SIP return of -8.95% in last one year whereas category average SIP return is -8.17%. The fund one year return rank in the category is 19th in 21 funds
  • The fund has SIP return of 3.04% in last three years and ranks 13th in 18 funds. Tata Gilt Securities Fund has given the highest SIP return (4.04%) in the category in last three years.
  • The fund has SIP return of 5.73% in last five years whereas category average SIP return is 5.68%.

Kotak Gilt Fund Risk Analysis

  • The fund has a standard deviation of 3.07 and semi deviation of 2.22. The category average standard deviation is 2.71 and semi deviation is 1.91.
  • The fund has a Value at Risk (VaR) of -2.57 and a maximum drawdown of -2.16. The category average VaR is -1.64 and the maximum drawdown is -1.5.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Gilt Fund Category
  • Good Performance in Gilt Fund Category
  • Poor Performance in Gilt Fund Category
  • Very Poor Performance in Gilt Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 1.15
    0.83
    		0.34 | 1.51 3 | 21 Very Good
    3M Return % -0.52
    0.05
    		-0.52 | 1.23 21 | 21 Poor
    6M Return % 3.96
    4.58
    		3.86 | 5.76 20 | 21 Poor
    1Y Return % 7.26
    8.21
    		7.15 | 10.15 19 | 21 Poor
    3Y Return % 7.67
    7.85
    		6.68 | 8.83 13 | 18 Average
    5Y Return % 5.37
    5.46
    		4.63 | 6.33 10 | 18 Good
    7Y Return % 7.49
    7.47
    		6.35 | 8.33 9 | 18 Good
    10Y Return % 7.39
    7.41
    		6.11 | 8.28 9 | 16 Average
    15Y Return % 7.68
    10.40
    		6.52 | 44.82 8 | 14 Good
    1Y SIP Return % -9.85
    -8.77
    		-9.85 | -6.91 21 | 21 Poor
    3Y SIP Return % 1.93
    2.58
    		1.65 | 3.50 16 | 18 Poor
    5Y SIP Return % 4.61
    4.97
    		4.13 | 5.85 15 | 18 Average
    7Y SIP Return % 5.83
    5.99
    		4.99 | 6.90 12 | 18 Average
    10Y SIP Return % 6.07
    6.15
    		4.92 | 7.00 9 | 16 Average
    15Y SIP Return % 7.05
    9.71
    		5.95 | 44.97 9 | 15 Average
    Standard Deviation 3.07
    2.71
    		1.60 | 3.70 14 | 18 Average
    Semi Deviation 2.22
    1.91
    		1.07 | 2.64 15 | 18 Average
    Max Drawdown % -2.16
    -1.50
    		-2.21 | -0.25 17 | 18 Poor
    VaR 1 Y % -2.57
    -1.64
    		-3.12 | 0.00 17 | 18 Poor
    Average Drawdown % -0.86
    -0.57
    		-0.90 | -0.24 17 | 18 Poor
    Sharpe Ratio 0.54
    0.71
    		0.28 | 1.87 12 | 18 Average
    Sterling Ratio 0.61
    0.67
    		0.55 | 0.87 15 | 18 Average
    Sortino Ratio 0.24
    0.37
    		0.13 | 1.31 13 | 18 Average
    Return data last Updated On : July 18, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 1.24 0.88 0.37 | 1.56 3 | 21
    3M Return % -0.28 0.21 -0.29 | 1.35 20 | 21
    6M Return % 4.48 4.93 4.32 | 6.33 19 | 21
    1Y Return % 8.35 8.94 7.81 | 10.56 17 | 21
    3Y Return % 8.80 8.55 7.22 | 9.40 6 | 18
    5Y Return % 6.47 6.15 5.13 | 6.92 6 | 18
    7Y Return % 8.60 8.17 6.92 | 8.96 7 | 18
    10Y Return % 8.51 8.13 6.83 | 8.91 7 | 16
    1Y SIP Return % -8.95 -8.17 -9.13 | -6.11 19 | 21
    3Y SIP Return % 3.04 3.27 2.20 | 4.04 13 | 18
    5Y SIP Return % 5.73 5.68 4.66 | 6.43 10 | 18
    7Y SIP Return % 6.96 6.70 5.52 | 7.50 6 | 18
    10Y SIP Return % 7.18 6.84 5.52 | 7.59 6 | 16
    Standard Deviation 3.07 2.71 1.60 | 3.70 14 | 18
    Semi Deviation 2.22 1.91 1.07 | 2.64 15 | 18
    Max Drawdown % -2.16 -1.50 -2.21 | -0.25 17 | 18
    VaR 1 Y % -2.57 -1.64 -3.12 | 0.00 17 | 18
    Average Drawdown % -0.86 -0.57 -0.90 | -0.24 17 | 18
    Sharpe Ratio 0.54 0.71 0.28 | 1.87 12 | 18
    Sterling Ratio 0.61 0.67 0.55 | 0.87 15 | 18
    Sortino Ratio 0.24 0.37 0.13 | 1.31 13 | 18
    Return data last Updated On : July 18, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Kotak Gilt Fund NAV Regular Growth Kotak Gilt Fund NAV Direct Growth
    18-07-2025 96.8176 109.9295
    17-07-2025 96.4987 109.5645
    16-07-2025 96.4299 109.4833
    15-07-2025 96.4623 109.5171
    14-07-2025 96.483 109.5375
    11-07-2025 96.2836 109.302
    10-07-2025 95.8119 108.7636
    09-07-2025 95.9661 108.9356
    08-07-2025 96.0326 109.0081
    07-07-2025 96.109 109.0917
    04-07-2025 96.0715 109.0402
    03-07-2025 96.0216 108.9805
    02-07-2025 96.1618 109.1366
    01-07-2025 95.9251 108.8649
    30-06-2025 95.6587 108.5596
    27-06-2025 95.4743 108.3413
    26-06-2025 95.61 108.4923
    25-06-2025 95.5835 108.4592
    24-06-2025 95.893 108.8073
    23-06-2025 95.7357 108.6259
    20-06-2025 95.6133 108.478
    19-06-2025 95.3783 108.2084
    18-06-2025 95.7157 108.5882

    Fund Launch Date: 02/Jan/2000
    Fund Category: Gilt Fund
    Investment Objective: The objective of the Plan is to generate risk-free returns through investments in sovereign securities issued by the Central Government... and/or State Government(s) and/or any security unconditionally guaranteed by the Government of India, and/or reverse repos in such securities as and when permitted by RBI. A portion of the fund may be invested in Reverse repo, CBLO and/or other similar instruments as may be notified to meet the day-to-day liquidity requirements of the Plan. To ensure total safety of Unit holders' funds, the Plan does not invest in any other securities such as shares, debentures or bonds issued by any other entity. The Fund will seek to underwrite issuance of Government Securities if and to the extent permitted by SEBI/RBI and subject to the prevailing rules and regulations specified in this respect and may also participate in their auction from time to time. Subject to the maximum amount permitted from time to time, the Plan may invest in securities abroad, in the manner allowed by SEBI/RBI in conformity with the guidelines, rules and regulations in this respect. There is no assurance that the investment objective of the Plan will be achieved. It is however........... emphasized, that investments under the Plan are made in Government Securities, where there is no risk of default of payment in principal or interest amount
    Fund Description: An open-ended debt scheme investing in government securities across maturity
    Fund Benchmark: Nifty All Duration G-Sec Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.