Kotak Medium Term Fund Direct-Growth

Q: What are the returns of Kotak Medium Term Fund?

The Kotak Medium Term Fund is a 11 yrs 4 m old fund and has delivered average annual returns of 8.59% since inception. Kotak Medium Term Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 10.71% 8.84% 7.72% 8.19% 8.59%

NAV as of Jul 21, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹25.4942+0.06% 1 day change	8.59% p.a.	#NA View Ranked Funds	₹1,912 Cr

Historical NAV & returns

NAV: ₹25.4942 as on Jul 21, 2025

This fund Category average

Kotak Medium Term Fund overview

Expense ratio	0.67% as on May 31, 2025
Exit load	0% Exit load of 2% if redeemed within 18 months and 1.50% if redeemed after 18 months but within 24 months.!
AUM (Fund size)	₹1,912 Cr
Lock-in Period	Nil
Age	11 yrs 4 m since Feb 28, 2014
Benchmark	CRISIL Medium Duration Debt A-III Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Risk	Moderately High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Kotak Medium Term Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Jul 22, 2025

Period	This fund	Category average
1 Month	0.64%	0.81%
3 Months	2.36%	1.96%
6 Months	5.65%	5.58%
1 Year	10.71%	10.18%
2 Years	9.74%	8.86%
3 Years	8.84%	8.4%
4 Years	7.67%	7.39%
5 Years	7.72%	7.43%
7 Years	7.72%	7.2%
10 Years	8.19%	7.62%

Asset allocationas on May 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AAA 26.35343692%

SOV 23.52%

AA 16.58%

AA+ 9.96%

Top Debt Holdings

GOI 23.37%

Sansar Trust 4.79%

Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class A 4.75%

DME Development Ltd. 4.12%

Allocation by Instruments

Debenture 40.373436919999996%

GOI Securities 23.37%

Non Convertible Debenture 7.040000000000001%

Bonds 5.96%

Other Holdings

Embassy Office Parks REIT 2.99%

Brookfield India Real Estate Trust REIT 2.0%

Others 1.42%

Indus Infra Trust 1.33%

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Kotak Medium Term Fund	N.A.	1,912 Cr	11 yrs 4 m	0.67%
ICICI Prudential Medium Term Bond Fund	N.A.	5,733 Cr	12 yrs 6 m	0.74%
Axis Strategic Bond Fund	N.A.	1,930 Cr	12 yrs 6 m	0.55%
Bandhan Income Plus Arbitrage FoF	N.A.	463 Cr	12 yrs 6 m	0.04%
SBI Magnum Medium Duration Fund	N.A.	6,580 Cr	12 yrs 6 m	0.71%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Kotak Medium Term Fund	0.64%	5.65%	10.71%	8.84%	7.72%	8.19%
ICICI Prudential Medium Term Bond Fund	0.74%	5.54%	10.27%	8.65%	7.7%	8.33%
Axis Strategic Bond Fund	0.67%	5.55%	10.26%	8.87%	7.69%	8.53%
Bandhan Income Plus Arbitrage FoF	0.54%	4.6%	8.9%	7.66%	6.09%	7.55%
SBI Magnum Medium Duration Fund	0.58%	5.03%	9.51%	8.44%	6.99%	8.65%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Kotak Medium Term Fund	1.45	0.75	1.55	2.58
ICICI Prudential Medium Term Bond Fund	1.02	0.57	1.99	3.77
Axis Strategic Bond Fund	1.22	0.72	1.84	3.29
Bandhan Income Plus Arbitrage FoF	0.91	N.A.	1.21	2.12
SBI Magnum Medium Duration Fund	1.2	0.7	1.52	2.52

View all Medium Duration funds

Key risk & return ratios Compared to other funds in the category

Alpha	1.46 vs. 3.82 Underperformed at beating benchmark
Sharpe	1.55 vs. 3.44 Poor risk-adjusted returns
Beta	0.75 vs. 1.27 Less sensitive to market ups & downs
Standard deviation	1.45 vs. 1.81 More stable returns

Compare Kotak Medium Term Fund in detail with

About this fund

About Kotak Medium Term Fund

Kotak Medium Term Fund Direct-Growth is a Medium Duration mutual fund scheme from Kotak Mahindra Mutual Fund. This fund has been in existence for 11 yrs 4 m, having been launched on 28/02/2014. Kotak Medium Term Fund Direct-Growth has ₹1,912 Crores worth of assets under management (AUM) as on 31/05/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Kotak Medium Term Fund Direct-Growth as of 21/07/2025 is ₹25.49. The fund has an expense ratio of 0.67%, which is close to what most other Medium Duration funds charge.

Kotak Medium Term Fund Direct-Growth returns of last 1-year are 10.64%. Since launch, it has delivered 8.60% average annual returns. The fund has doubled the money invested in it every 10 yrs.
Kotak Medium Term Fund Direct-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund's credit profile is low indicating it has lent to borrowers whose quality is not too great. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in GOI, Sansar Trust, Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class A, DME Development Ltd., Tata Steel Ltd..

...

Fund AUM	1,912 Cr as on May 31, 2025
Scheme document	View Scheme Document

Fund managers

Deepak Agrawal

Mr. Agrawal is Post Graduate in Commerce from Mumbai University, Chartered Accountant, Company Secretary and CFA. He has been associated with Kotak AMC since 2002.

Vihag Mishra

Investment objective

The scheme seeks to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments.

Kotak Mahindra Mutual Fund details

No. of schemes	75 view all schemes
Total AUM	5,26,213 Cr as on Jun 30, 2025
Address	The Capital Building, Behind ICICI Bank, G Block BKC, Bandra Kurla Complex Bandra (E) Mumbai, 400051
Phone	022-61152100 / 1800-22-2626

More funds from Kotak Mahindra Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
Kotak Nifty SDL Apr 2032 Top 12 Equal Weight Index Fund	N.A.	3,072 Cr	10.43%	9.25%
Kotak Gilt Investment Fund	N.A.	3,868 Cr	8.23%	8.82%
Kotak Bond Fund	N.A.	2,131 Cr	9.34%	8.81%
Kotak Dynamic Bond Fund	N.A.	2,883 Cr	9.45%	8.81%
Kotak Floating Rate Fund	N.A.	3,312 Cr	9.64%	8.34%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Kotak Medium Term Fund?

The current Net Asset Value (NAV) of the Kotak Medium Term Fund - Direct Growth plan is approximately ₹25.4942 as of Jul 21, 2025.

What are the returns of this mutual fund scheme?

The Kotak Medium Term Fund is a 11 yrs 4 m old fund and has delivered average annual returns of 8.59% since inception.

Kotak Medium Term Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
10.71%	8.84%	7.72%	8.19%	8.59%

How much does this mutual fund charge as expense ratio?

The Kotak Medium Term Fund - Direct Growth has an expense ratio of 0.67%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

What is the AUM or fund size of this mutual fund?

The Kotak Medium Term Fund currently has assets under management (AUM) or fund size valued at approximately 1,912 Cr as on May 31, 2025.

To whom does Kotak Medium Term Fund lend to?

The top 3 debt holdings of Kotak Medium Term Fund are as follows

Holding Name	Percentage of Portfolio
GOI	23.37%
Sansar Trust	4.79%
Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class A	4.75%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Kotak Medium Term Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	26.35343692%
SOV	23.52%
AA	16.58%

What is risk level of Kotak Medium Term Fund?

This is a Medium Duration fund comes with Moderately High risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How do I invest in Kotak Medium Term Fund?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for Kotak Medium Term Fund and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in Kotak Medium Term Fund is complete.

How can I redeem my investments in Kotak Medium Term Fund?

Redeeming your investments in Kotak Medium Term Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in Kotak Medium Term Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

in Medium Duration

#NA

Return Consistency: This fund is one of the best in generating consistent return in it's category.
Return Outperformance: This fund has generated highest return amongst Medium Duration funds in the last 10 Years.
Exit Load: This fund has no exit load.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.