Kotak Gilt Fund Datagrid
Category Gilt Fund
BMSMONEY Rank 18
Rating
Growth Option 04-12-2025
NAV ₹94.48(R) -0.07% ₹107.68(D) -0.07%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 1.13% 5.64% 4.39% 6.59% 6.79%
Direct 2.16% 6.73% 5.48% 7.69% 7.89%
Benchmark
SIP (XIRR) Regular -1.48% 4.21% 4.04% 4.89% 5.73%
Direct -0.48% 5.29% 5.12% 5.99% 6.85%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.13 0.06 0.43 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
3.68% -4.07% -4.5% - 2.81%
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: 04-12-2025

Scheme Name NAV Rupee Change Percent Change
Kotak Gilt-Investment Provident Fund and Trust-Payout of Income Distribution cum capital withdrawal option 11.64
-0.0100
-0.0700%
Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option 18.46
-0.0100
-0.0700%
Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct 23.72
-0.0200
-0.0600%
Kotak Gilt-Investment Regular-Growth 94.48
-0.0700
-0.0700%
Kotak Gilt-Investment Provident Fund and Trust-Growth 96.66
-0.0700
-0.0700%
Kotak Gilt-Investment Regular-Growth - Direct 107.68
-0.0700
-0.0700%
Kotak Gilt-Investment Provident Fund and Trust-Growth - Direct 110.29
-0.0700
-0.0700%

Review Date: 04-12-2025

Beginning of Analysis

In the Gilt Fund category, Kotak Gilt Fund is the 19th ranked fund. The category has total 19 funds. The Kotak Gilt Fund has shown a very poor past performence in Gilt Fund. The fund has a Sharpe Ratio of 0.13 which is lower than the category average of 0.4.
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 -0.52%, 0.33 and -2.79 in last one, three and six months respectively. In the same period the category average return was -0.14%, 0.84% and -1.26% respectively.
  • Kotak Gilt Fund has given a return of 2.16% in last one year. In the same period the Gilt Fund category average return was 4.17%.
  • The fund has given a return of 6.73% in last three years and ranked 16.0th out of 20 funds in the category. In the same period the Gilt Fund category average return was 7.14%.
  • The fund has given a return of 5.48% in last five years and ranked 10th out of 18 funds in the category. In the same period the Gilt Fund category average return was 5.59%.
  • The fund has given a return of 7.89% in last ten years and ranked 7th out of 16 funds in the category. In the same period the category average return was 7.66%.
  • The fund has given a SIP return of -0.48% in last one year whereas category average SIP return is 2.07%. The fund one year return rank in the category is 20th in 21 funds
  • The fund has SIP return of 5.29% in last three years and ranks 18th in 20 funds. Icici Prudential Gilt Fund has given the highest SIP return (7.62%) in the category in last three years.
  • The fund has SIP return of 5.12% in last five years whereas category average SIP return is 5.65%.

Kotak Gilt Fund Risk Analysis

  • The fund has a standard deviation of 3.68 and semi deviation of 2.81. The category average standard deviation is 3.14 and semi deviation is 2.35.
  • The fund has a Value at Risk (VaR) of -4.07 and a maximum drawdown of -4.5. The category average VaR is -3.02 and the maximum drawdown is -3.2.

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 % -0.61
    -0.20
    		-0.69 | 0.31 20 | 21 Poor
    3M Return % 0.07
    0.67
    		-0.30 | 1.68 19 | 21 Poor
    6M Return % -3.28
    -1.59
    		-3.37 | 0.46 20 | 21 Poor
    1Y Return % 1.13
    3.48
    		1.13 | 6.22 21 | 21 Poor
    3Y Return % 5.64
    6.44
    		5.50 | 7.54 17 | 20 Poor
    5Y Return % 4.39
    4.90
    		4.08 | 6.02 17 | 18 Poor
    7Y Return % 6.59
    6.79
    		5.78 | 7.77 10 | 18 Good
    10Y Return % 6.79
    6.96
    		5.76 | 7.90 9 | 16 Average
    15Y Return % 7.54
    7.57
    		6.52 | 8.63 7 | 14 Good
    1Y SIP Return % -1.48
    1.39
    		-1.54 | 4.40 20 | 21 Poor
    3Y SIP Return % 4.21
    5.64
    		4.21 | 7.05 20 | 20 Poor
    5Y SIP Return % 4.04
    4.98
    		3.87 | 6.13 17 | 18 Poor
    7Y SIP Return % 4.89
    5.48
    		4.59 | 6.62 16 | 18 Poor
    10Y SIP Return % 5.73
    6.10
    		5.12 | 7.11 11 | 16 Average
    15Y SIP Return % 6.50
    6.77
    		5.75 | 7.76 11 | 15 Average
    Standard Deviation 3.68
    3.14
    		1.90 | 4.06 18 | 19 Poor
    Semi Deviation 2.81
    2.35
    		1.43 | 3.04 17 | 19 Poor
    Max Drawdown % -4.50
    -3.20
    		-4.50 | -1.30 19 | 19 Poor
    VaR 1 Y % -4.07
    -3.02
    		-5.78 | -0.83 16 | 19 Poor
    Average Drawdown % -1.33
    -0.97
    		-2.79 | -0.60 18 | 19 Poor
    Sharpe Ratio 0.13
    0.40
    		0.10 | 1.05 18 | 19 Poor
    Sterling Ratio 0.43
    0.53
    		0.43 | 0.69 18 | 19 Poor
    Sortino Ratio 0.06
    0.18
    		0.04 | 0.48 18 | 19 Poor
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.52 -0.14 -0.65 | 0.37 20 | 21 Poor
    3M Return % 0.33 0.84 -0.18 | 1.82 18 | 21 Average
    6M Return % -2.79 -1.26 -3.15 | 0.72 20 | 21 Poor
    1Y Return % 2.16 4.17 1.89 | 6.78 20 | 21 Poor
    3Y Return % 6.73 7.14 6.14 | 8.10 16 | 20 Poor
    5Y Return % 5.48 5.59 4.84 | 6.60 10 | 18 Good
    7Y Return % 7.69 7.49 6.32 | 8.35 8 | 18 Good
    10Y Return % 7.89 7.66 6.45 | 8.50 7 | 16 Good
    1Y SIP Return % -0.48 2.07 -1.08 | 4.96 20 | 21 Poor
    3Y SIP Return % 5.29 6.34 4.87 | 7.62 18 | 20 Poor
    5Y SIP Return % 5.12 5.65 4.63 | 6.70 16 | 18 Poor
    7Y SIP Return % 5.99 6.17 5.35 | 7.20 12 | 18 Average
    10Y SIP Return % 6.85 6.79 5.70 | 7.69 7 | 16 Good
    Standard Deviation 3.68 3.14 1.90 | 4.06 18 | 19 Poor
    Semi Deviation 2.81 2.35 1.43 | 3.04 17 | 19 Poor
    Max Drawdown % -4.50 -3.20 -4.50 | -1.30 19 | 19 Poor
    VaR 1 Y % -4.07 -3.02 -5.78 | -0.83 16 | 19 Poor
    Average Drawdown % -1.33 -0.97 -2.79 | -0.60 18 | 19 Poor
    Sharpe Ratio 0.13 0.40 0.10 | 1.05 18 | 19 Poor
    Sterling Ratio 0.43 0.53 0.43 | 0.69 18 | 19 Poor
    Sortino Ratio 0.06 0.18 0.04 | 0.48 18 | 19 Poor
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 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
    04-12-2025 94.4763 107.6847
    03-12-2025 94.4673 107.6715
    02-12-2025 94.5431 107.7549
    01-12-2025 94.4288 107.6217
    28-11-2025 94.7134 107.937
    27-11-2025 95.1396 108.4198
    26-11-2025 95.2342 108.5246
    25-11-2025 95.2389 108.5269
    24-11-2025 95.0431 108.3008
    21-11-2025 94.7966 108.0109
    20-11-2025 94.9606 108.1948
    19-11-2025 94.8513 108.0673
    18-11-2025 94.7099 107.9032
    17-11-2025 94.5865 107.7596
    14-11-2025 94.6576 107.8316
    13-11-2025 94.9197 108.1272
    12-11-2025 95.1791 108.4197
    11-11-2025 95.1561 108.3905
    10-11-2025 95.142 108.3714
    07-11-2025 95.0868 108.2996
    06-11-2025 95.0908 108.3011
    04-11-2025 95.053 108.2521

    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.