Kotak Gilt Fund Overview
Category Gilt Fund
BMSMONEY Rank 16
Rating
Growth Option 03-04-2025
NAV ₹96.29(R) -0.21% ₹109.01(D) -0.21%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 9.68% 7.11% 6.5% 7.37% -%
Direct 10.8% 8.23% 7.61% 8.49% -%
Benchmark
SIP (XIRR) Regular 10.34% 8.59% 6.92% 7.14% 6.92%
Direct 11.46% 9.71% 8.02% 8.25% 8.03%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
-0.31 -0.11 0.51 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
2.32% -2.55% -1.78% - 1.71%
Top Gilt Fund
Fund Name Rank Rating
Icici Prudential Gilt Fund 1
Baroda BNP Paribas Gilt Fund 2
Axis Gilt Fund 3
Sbi Magnum Gilt Fund 4

NAV Date: 03-04-2025

Scheme Name NAV Rupee Change Percent Change
Kotak Gilt-Investment Provident Fund and Trust-Payout of Income Distribution cum capital withdrawal option 12.14
-0.0300
-0.2100%
Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option 18.82
-0.0400
-0.2100%
Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct 24.62
-0.0500
-0.2100%
Kotak Gilt-Investment Regular-Growth 96.29
-0.2000
-0.2100%
Kotak Gilt-Investment Provident Fund and Trust-Growth 98.51
-0.2100
-0.2100%
Kotak Gilt-Investment Regular-Growth - Direct 109.01
-0.2200
-0.2100%
Kotak Gilt-Investment Provident Fund and Trust-Growth - Direct 111.66
-0.2300
-0.2100%

Review Date: 03-04-2025

Beginning of Analysis

In the Gilt Fund category, Kotak Gilt Fund is the 16th ranked fund. The category has total 18 funds. The Kotak Gilt Fund has shown a very poor past performence in Gilt Fund. The fund has a Sharpe Ratio of -0.31 which is lower than the category average of -0.23.
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 3.7%, 3.68 and 4.1 in last one, three and six months respectively. In the same period the category average return was 3.17%, 3.64% and 4.42% respectively.
  • Kotak Gilt Fund has given a return of 10.8% in last one year. In the same period the Gilt Fund category average return was 10.51%.
  • The fund has given a return of 8.23% 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 7.93%.
  • The fund has given a return of 7.61% in last five years and ranked 5th out of 18 funds in the category. In the same period the Gilt Fund category average return was 7.12%.
  • The fund has given a SIP return of 11.46% in last one year whereas category average SIP return is 11.27%. The fund one year return rank in the category is 6th in 21 funds
  • The fund has SIP return of 9.71% in last three years and ranks 6th in 18 funds. DSP Gilt Fund has given the highest SIP return (10.06%) in the category in last three years.
  • The fund has SIP return of 8.02% in last five years whereas category average SIP return is 7.7%.

Kotak Gilt Fund Risk Analysis

The fund has a standard deviation of 2.32 and semi deviation of 1.71. The category average standard deviation is 2.2 and semi deviation is 1.58. The fund has a Value at Risk (VaR) of -2.55 and a maximum drawdown of -1.78. The category average VaR is -1.88 and the maximum drawdown is -1.32.

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


    • 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
    03-04-2025 96.2933 109.0133
    02-04-2025 96.4947 109.2383
    28-03-2025 95.6687 108.2882
    27-03-2025 95.3538 107.9287
    26-03-2025 95.2912 107.8549
    25-03-2025 94.9799 107.4996
    24-03-2025 94.9886 107.5064
    21-03-2025 94.9856 107.4941
    20-03-2025 95.0822 107.6005
    19-03-2025 94.9001 107.3914
    18-03-2025 94.5847 107.0315
    17-03-2025 94.425 106.8478
    13-03-2025 94.2045 106.5864
    12-03-2025 94.1119 106.4788
    11-03-2025 93.9012 106.2373
    10-03-2025 93.7021 106.0091
    07-03-2025 93.6334 105.9226
    06-03-2025 93.5329 105.806
    05-03-2025 93.2208 105.45
    04-03-2025 92.9259 105.1135
    03-03-2025 92.9389 105.1253

    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.