Kotak Medium Term Fund Regular-Growth

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

The Kotak Medium Term Fund is a 11 yrs 6 m old fund and has delivered average annual returns of 7.5% since inception. Kotak Medium Term Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 8.15% 7.34% 6.44% 7.03% 7.5%

NAV as of Sep 03, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹22.9395+0.07% 1 day change	7.5% p.a.	App exclusive #NA View Ranked Funds	₹1,912 Cr

Historical NAV & returns

NAV: ₹22.9395 as on Sep 03, 2025

This fund Category average

Kotak Medium Term Fund overview

Expense ratio	1.63% as on Aug 31, 2025
Plan type	Regular
Exit load	0%
AUM (Fund size)	₹1,912 Cr
Lock-in Period	Nil
Age	11 yrs 6 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 Sep 04, 2025

Period	This fund	Category average
1 Month	-0.11%	-0.3%
3 Months	0.81%	0.48%
6 Months	4.51%	4.33%
1 Year	8.15%	8.16%
2 Years	8.53%	7.94%
3 Years	7.34%	7.33%
4 Years	6.24%	6.42%
5 Years	6.44%	6.66%
7 Years	6.64%	6.36%
10 Years	7.03%	6.76%

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

Bifurcation by Instrument is not available for this fund

Other Holdings

Embassy Office Parks REIT 2.99%

Brookfield India Real Estate Trust REIT 2.0%

Others 1.42%

Indus Infra Trust 1.33%

Detailed portfolio analysis

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Kotak Medium Term Fund	N.A.	1,912 Cr	11 yrs 6 m	1.63%
ICICI Prudential Medium Term Bond Fund	N.A.	5,733 Cr	21 yrs	1.38%
ICICI Prudential Debt Management Fund (FOF)	N.A.	114 Cr	21 yrs 9 m	0.61%
Axis Strategic Bond Fund	N.A.	1,930 Cr	13 yrs 5 m	1.33%
Aditya Birla Sun Life Medium Term Fund	N.A.	2,338 Cr	16 yrs 5 m	1.57%
SBI Magnum Medium Duration Fund	N.A.	6,580 Cr	21 yrs 11 m	1.22%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Kotak Medium Term Fund	-0.11%	4.51%	8.15%	7.34%	6.44%	7.03%
ICICI Prudential Medium Term Bond Fund	-0.05%	4.58%	8.48%	7.55%	6.81%	7.43%
ICICI Prudential Debt Management Fund (FOF)	-0.36%	4.12%	7.75%	7.57%	6.34%	7.34%
Axis Strategic Bond Fund	-0.11%	4.61%	8.42%	7.73%	6.79%	7.6%
Aditya Birla Sun Life Medium Term Fund	-0.22%	4.85%	12.61%	9.2%	12.06%	8.57%
SBI Magnum Medium Duration Fund	-0.31%	3.97%	7.59%	7.38%	6.25%	8.03%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Kotak Medium Term Fund	1.47	0.7	0.56	0.94
ICICI Prudential Medium Term Bond Fund	1.06	0.56	0.92	1.67
ICICI Prudential Debt Management Fund (FOF)	1.13	0.59	0.87	1.19
Axis Strategic Bond Fund	1.26	0.68	0.91	1.62
Aditya Birla Sun Life Medium Term Fund	1.76	0.51	1.43	3.3
SBI Magnum Medium Duration Fund	1.29	0.71	0.62	1.01

View all Medium Duration funds

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

Alpha	0.56 vs. 2.12 Underperformed at beating benchmark
Sharpe	0.56 vs. 2.5 Poor risk-adjusted returns
Beta	0.7 vs. 0.74 Less sensitive to market ups & downs
Standard deviation	1.47 vs. 1.5 More stable returns

Compare Kotak Medium Term Fund in detail with

About this fund

About Kotak Medium Term Fund

Kotak Medium Term Fund Regular-Growth is a Medium Duration mutual fund scheme from Kotak Mahindra Mutual Fund. This fund has been in existence for 11 yrs 6 m, having been launched on 28/02/2014. Kotak Medium Term Fund Regular-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 Regular-Growth as of 03/09/2025 is ₹22.94. The fund has an expense ratio of 1.63%, which is higher than what most other Medium Duration funds charge.

Kotak Medium Term Fund Regular-Growth returns of last 1-year are 8.29%. Since launch, it has delivered 7.51% average annual returns. The fund has doubled the money invested in it every 11 yrs.
Kotak Medium Term Fund Regular-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 above 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	82 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 Corporate Bond Fund	N.A.	16,661 Cr	8.2%	7.48%
Kotak Money Market Fund	N.A.	31,657 Cr	7.81%	7.44%
Kotak Banking and PSU Debt Fund	N.A.	6,213 Cr	7.73%	7.29%
Kotak Bond Short-term Fund	N.A.	17,541 Cr	7.66%	7.01%
Kotak Low Duration Fund	N.A.	12,913 Cr	7.47%	6.94%

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 ₹22.9395 as of Sep 03, 2025.

What are the returns of this mutual fund scheme?

The Kotak Medium Term Fund is a 11 yrs 6 m old fund and has delivered average annual returns of 7.5% since inception.

Kotak Medium Term Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
8.15%	7.34%	6.44%	7.03%	7.5%

How much does this mutual fund charge as expense ratio?

The Kotak Medium Term Fund - Direct Growth has an expense ratio of 1.63%, 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?

Kotak Medium Term Fund Regular-Growth is the regular plan of the fund. For this plan of you pay 1.63% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 0.67%. That's 0.9599999999999999% less.

Regular plans charge more because when you buy them, the fund pays commission to the agent. This is an additional expense for the fund and to cover this expense, the fund takes a bigger share from the returns generated by your investments.

So, the lower annual cost of the direct plan means you will earn 0.9599999999999999% if you opt for direct plan of Kotak Medium Term Fund

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

App exclusive

in Medium Duration

#NA

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.
Return/Risk: The fund is performing poorly than its category.