Kotak Gilt Fund Datagrid
Category Gilt Fund
BMSMONEY Rank 21
Rating
Growth Option 27-01-2026
NAV ₹94.67(R) -0.1% ₹108.07(D) -0.09%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 0.64% 5.58% 4.31% 6.43% 6.84%
Direct 1.66% 6.67% 5.39% 7.53% 7.94%
Benchmark
SIP (XIRR) Regular -1.36% 3.82% 4.58% 4.62% 5.55%
Direct -0.35% 4.9% 5.67% 5.71% 6.66%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.06 0.03 0.41 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
3.72% -4.07% -4.5% - 2.83%
Fund AUM As on: 30/12/2025 3374 Cr
Top Gilt Fund
Fund Name Rank Rating
Icici Prudential Gilt Fund 1
Baroda BNP Paribas Gilt Fund 2
Axis Gilt Fund 3
DSP Gilt Fund 4
Hdfc Gilt Fund 5

NAV Date: 27-01-2026

Scheme Name NAV Rupee Change Percent Change
Kotak Gilt-Investment Provident Fund and Trust-Payout of Income Distribution cum capital withdrawal option 11.67
-0.0100
-0.1000%
Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option 18.5
-0.0200
-0.1000%
Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct 23.78
-0.0200
-0.0900%
Kotak Gilt-Investment Regular-Growth 94.67
-0.0900
-0.1000%
Kotak Gilt-Investment Provident Fund and Trust-Growth 96.85
-0.0900
-0.1000%
Kotak Gilt-Investment Regular-Growth - Direct 108.07
-0.0900
-0.0900%
Kotak Gilt-Investment Provident Fund and Trust-Growth - Direct 110.68
-0.1000
-0.0900%

Review Date: 27-01-2026

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 0.06 which is lower than the category average of 0.3.
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 -0.58%, -0.82 and -1.09 in last one, three and six months respectively. In the same period the category average return was -0.4%, -0.22% and -0.18% respectively.
  • Kotak Gilt Fund has given a return of 1.66% in last one year. In the same period the Gilt Fund category average return was 3.46%.
  • The fund has given a return of 6.67% in last three years and ranked 15.0th out of 21 funds in the category. In the same period the Gilt Fund category average return was 7.03%.
  • The fund has given a return of 5.39% in last five years and ranked 13th 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 7.94% in last ten years and ranked 7th out of 16 funds in the category. In the same period the category average return was 7.67%.
  • The fund has given a SIP return of -0.35% in last one year whereas category average SIP return is 1.37%. The fund one year return rank in the category is 19th in 21 funds
  • The fund has SIP return of 4.9% in last three years and ranks 19th in 21 funds. Icici Prudential Gilt Fund has given the highest SIP return (7.28%) in the category in last three years.
  • The fund has SIP return of 5.67% in last five years whereas category average SIP return is 6.15%.

Kotak Gilt Fund Risk Analysis

  • The fund has a standard deviation of 3.72 and semi deviation of 2.83. The category average standard deviation is 3.11 and semi deviation is 2.31.
  • The fund has a Value at Risk (VaR) of -4.07 and a maximum drawdown of -4.5. The category average VaR is -2.93 and the maximum drawdown is -3.16.

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 % -0.66
    -0.45
    		-0.95 | 0.03 17 | 21 Average
    3M Return % -1.07
    -0.39
    		-1.09 | 0.72 20 | 21 Poor
    6M Return % -1.59
    -0.52
    		-1.76 | 1.12 20 | 21 Poor
    1Y Return % 0.64
    2.77
    		0.64 | 5.96 21 | 21 Poor
    3Y Return % 5.58
    6.32
    		5.34 | 7.62 19 | 21 Poor
    5Y Return % 4.31
    4.90
    		4.10 | 6.08 17 | 18 Poor
    7Y Return % 6.43
    6.61
    		5.69 | 7.62 10 | 18 Good
    10Y Return % 6.84
    6.97
    		5.90 | 8.05 9 | 16 Average
    15Y Return % 7.42
    7.47
    		6.47 | 8.49 7 | 14 Good
    1Y SIP Return % -1.36
    0.69
    		-1.44 | 3.73 20 | 21 Poor
    3Y SIP Return % 3.82
    5.08
    		3.82 | 6.72 21 | 21 Poor
    5Y SIP Return % 4.58
    5.47
    		4.40 | 6.74 17 | 18 Poor
    7Y SIP Return % 4.62
    5.19
    		4.31 | 6.41 17 | 18 Poor
    10Y SIP Return % 5.55
    5.91
    		5.09 | 6.97 11 | 16 Average
    15Y SIP Return % 6.59
    6.84
    		5.92 | 7.80 9 | 15 Average
    Standard Deviation 3.72
    3.11
    		1.92 | 4.06 20 | 21 Poor
    Semi Deviation 2.83
    2.31
    		1.44 | 3.01 19 | 21 Poor
    Max Drawdown % -4.50
    -3.16
    		-4.50 | -1.30 21 | 21 Poor
    VaR 1 Y % -4.07
    -2.93
    		-5.78 | -0.83 18 | 21 Average
    Average Drawdown % -1.33
    -0.95
    		-2.79 | -0.60 20 | 21 Poor
    Sharpe Ratio 0.06
    0.30
    		0.00 | 1.01 19 | 21 Poor
    Sterling Ratio 0.41
    0.51
    		0.41 | 0.68 21 | 21 Poor
    Sortino Ratio 0.03
    0.13
    		0.01 | 0.46 19 | 21 Poor
    Return data last Updated On : Jan. 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.58 -0.40 -0.91 | 0.08 17 | 21 Average
    3M Return % -0.82 -0.22 -0.97 | 0.86 19 | 21 Poor
    6M Return % -1.09 -0.18 -1.53 | 1.40 18 | 21 Average
    1Y Return % 1.66 3.46 1.33 | 6.52 20 | 21 Poor
    3Y Return % 6.67 7.03 6.11 | 8.19 15 | 21 Average
    5Y Return % 5.39 5.59 4.85 | 6.66 13 | 18 Average
    7Y Return % 7.53 7.30 6.22 | 8.19 7 | 18 Good
    10Y Return % 7.94 7.67 6.58 | 8.64 7 | 16 Good
    1Y SIP Return % -0.35 1.37 -0.98 | 4.28 19 | 21 Poor
    3Y SIP Return % 4.90 5.80 4.52 | 7.28 19 | 21 Poor
    5Y SIP Return % 5.67 6.15 5.16 | 7.31 16 | 18 Poor
    7Y SIP Return % 5.71 5.87 5.07 | 6.98 12 | 18 Average
    10Y SIP Return % 6.66 6.59 5.67 | 7.55 7 | 16 Good
    Standard Deviation 3.72 3.11 1.92 | 4.06 20 | 21 Poor
    Semi Deviation 2.83 2.31 1.44 | 3.01 19 | 21 Poor
    Max Drawdown % -4.50 -3.16 -4.50 | -1.30 21 | 21 Poor
    VaR 1 Y % -4.07 -2.93 -5.78 | -0.83 18 | 21 Average
    Average Drawdown % -1.33 -0.95 -2.79 | -0.60 20 | 21 Poor
    Sharpe Ratio 0.06 0.30 0.00 | 1.01 19 | 21 Poor
    Sterling Ratio 0.41 0.51 0.41 | 0.68 21 | 21 Poor
    Sortino Ratio 0.03 0.13 0.01 | 0.46 19 | 21 Poor
    Return data last Updated On : Jan. 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 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
    27-01-2026 94.6685 108.0653
    23-01-2026 94.761 108.1589
    22-01-2026 94.7981 108.1982
    21-01-2026 94.575 107.9406
    20-01-2026 94.6289 107.999
    19-01-2026 94.6159 107.9812
    16-01-2026 94.6666 108.0301
    14-01-2026 94.79 108.1649
    13-01-2026 94.8857 108.2712
    12-01-2026 95.0069 108.4065
    09-01-2026 94.896 108.2709
    08-01-2026 94.9605 108.3415
    07-01-2026 95.1102 108.5094
    06-01-2026 95.1071 108.5028
    05-01-2026 95.1311 108.5271
    02-01-2026 95.4604 108.8938
    01-01-2026 95.4458 108.8741
    31-12-2025 95.3886 108.8058
    30-12-2025 95.2676 108.6649
    29-12-2025 95.3021 108.7012

    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.