Kotak Medium Term Fund

Q: What are the returns of this mutual fund scheme?

The Kotak Medium Term Fund is a 11 yrs 7 m old fund and has delivered average annual returns of 7.6% since inception. Kotak Medium Term Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 8.73% 8.07% 6.45% 7.04% 7.6%

Q: How much does this mutual fund charge as expense ratio?

The Kotak Medium Term Fund has an expense ratio of 1.63% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹23.4009+0.19% 1 day change	7.6% p.a.	App exclusive #NA View Ranked Funds	₹1,837 Cr

Historical NAV & returns

NAV: ₹23.4009 as on Oct 20, 2025

This fund Category average

Kotak Medium Term Fund overview

AUM (Fund size)	₹1,837 Cr
Exit load	0%
Lock-in Period	Nil
Age	11 yrs 7 m since Feb 28, 2014
Benchmark	CRISIL Medium Duration Debt A-III Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.63% as on Sep 30, 2025
Plan type	Regular
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 Oct 25, 2025

Period	This fund	Category average
1 Month	0.99%	0.69%
3 Months	1.96%	1.19%
6 Months	4.11%	3.04%
1 Year	8.73%	8.3%
2 Years	9.43%	8.46%
3 Years	8.07%	7.81%
4 Years	6.64%	6.61%
5 Years	6.45%	6.69%
7 Years	6.89%	6.51%
10 Years	7.04%	6.7%

Asset allocationas on Sep 30, 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

AA 31.08%

AAA 28.77350103%

SOV 15.11%

AA+ 8.31%

Top Debt Holdings

GOI 11.87%

JTPM Metal Traders Ltd. 5.45%

L&T Metro Rail (Hyderabad) Ltd. 5.42%

Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class A 4.98%

Allocation by Instruments

Debenture 43.96350102999999%

Non Convertible Debenture 14.019999999999998%

GOI Securities 11.87%

Securitised Debt 8.71%

Other Holdings

Embassy Office Parks REIT 4.59%

Brookfield India Real Estate Trust REIT 2.33%

Indus Infra Trust 1.42%

Nexus Select Trust 0.64%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Kotak Medium Term Fund	0.99%	4.11%	8.73%	8.07%	6.45%	7.04%
ICICI Prudential Debt Management Fund (FOF)	0.73%	2.87%	8.16%	7.85%	6.42%	7.31%
ICICI Prudential Medium Term Bond Fund	0.87%	3.9%	9.13%	8.08%	6.75%	7.43%
Axis Strategic Bond Fund	0.69%	3.27%	8.61%	8.19%	6.73%	7.53%
SBI Magnum Medium Duration Fund	0.65%	2.66%	7.87%	7.83%	6.1%	7.94%
Aditya Birla Sun Life Medium Term Fund	0.88%	3.93%	11.25%	9.63%	12.52%	8.53%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Kotak Medium Term Fund	1.42	0.68	0.93	1.6
ICICI Prudential Debt Management Fund (FOF)	1.14	0.61	1.01	1.36
ICICI Prudential Medium Term Bond Fund	1.04	0.55	1.3	2.37
Axis Strategic Bond Fund	1.18	0.65	1.23	2.39
SBI Magnum Medium Duration Fund	1.21	0.68	0.92	1.51
Aditya Birla Sun Life Medium Term Fund	1.72	0.48	1.64	3.81

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Kotak Medium Term Fund	N.A.	1,837 Cr	11 yrs 7 m	1.63%
ICICI Prudential Debt Management Fund (FOF)	N.A.	108 Cr	21 yrs 11 m	0.61%
ICICI Prudential Medium Term Bond Fund	N.A.	5,734 Cr	21 yrs 2 m	1.38%
Axis Strategic Bond Fund	N.A.	1,908 Cr	13 yrs 7 m	1.33%
SBI Magnum Medium Duration Fund	N.A.	6,738 Cr	22 yrs	1.17%
Aditya Birla Sun Life Medium Term Fund	N.A.	2,734 Cr	16 yrs 7 m	1.57%

View all Medium Duration funds

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

Alpha	0.87 vs. 2.33 Underperformed at beating benchmark
Sharpe	0.93 vs. 2.72 Poor risk-adjusted returns
Beta	0.68 vs. 0.94 Less sensitive to market ups & downs
Standard deviation	1.42 vs. 1.43 More stable returns

Compare Kotak Medium Term Fund in detail with

About this fund

About Kotak Medium Term Fund

Kotak Medium Term Fund is a Medium Duration mutual fund scheme from Kotak Mahindra Mutual Fund. This fund has been in existence for 11 yrs 7 m, having been launched on 28/02/2014. Kotak Medium Term Fund has ₹1,837 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Kotak Medium Term Fund as of 20/10/2025 is ₹23.40. The fund has an expense ratio of 1.63%, which is higher than what most other Medium Duration funds charge.

Kotak Medium Term Fund returns of last 1-year are 8.78%. Since launch, it has delivered 7.61% average annual returns. The fund has doubled the money invested in it every 11 yrs.
Kotak Medium Term Fund 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, JTPM Metal Traders Ltd., L&T Metro Rail (Hyderabad) Ltd., Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class A, Embassy Office Parks REIT.

...

Fund AUM	1,837 Cr as on Sep 30, 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	83 view all schemes
Total AUM	5,66,982 Cr as on Sep 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.	2,937 Cr	7.27%	8.65%
Kotak FMP Series 304 - 3119 Days	N.A.	117 Cr	8.69%	N.A.
Kotak Nifty SDL Plus AAA PSU Bond Jul 2028 60:40 Index Fund	N.A.	548 Cr	8.18%	7.91%
Kotak Floating Rate Fund	N.A.	2,989 Cr	8.3%	7.9%
Kotak Income Plus Arbitrage Omni FoF	N.A.	6,346 Cr	7.62%	N.A.

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 plan is approximately ₹23.4009 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Kotak Medium Term Fund is a 11 yrs 7 m old fund and has delivered average annual returns of 7.6% since inception.

Kotak Medium Term Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
8.73%	8.07%	6.45%	7.04%	7.6%

How much does this mutual fund charge as expense ratio?

The Kotak Medium Term Fund has an expense ratio of 1.63%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

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 1,837 Cr as on Sep 30, 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	11.87%
JTPM Metal Traders Ltd.	5.45%
L&T Metro Rail (Hyderabad) Ltd.	5.42%

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
AA	31.08%
AAA	28.77350103%
SOV	15.11%

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 can I redeem my investments in Kotak Medium Term Fund?

Redeeming your investments in the Kotak Medium Term Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested 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.
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.