Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct

Low to Moderate Risk
Fixed Income
Government Bond

NAV as on Dec 19, 2025

Price per unit of the scheme.

₹ 110.98620.17%1 Day Change

0.27%

Minimum Investment₹100

Expense Ratio0.40%

FUND RATING

A holistic measure of the rank of a fund relative to its peers. Top funds receive a score of 5.

Scheme Rating

*Morningstar Rating Methodology i

RISK-O-METER

Level of risk associated with a mutual fund to help investors make informed investment decisions

FUND PERFORMANCE

As On Jan 01, 2023

Compare fund’s performance against category average across different time periods

No Data Found.

Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

For calculating Category Return & Scheme Ranking, only Growth & Direct schemes are considered.

FUND COMPARISON

1M 3M 6M 1Y 3Y 5Y

This Fund

Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct

Fixed Income: Government Bond Average NAV

Topper in Fixed Income: Government Bond

All Fund

No Data Found.

*For the other fund, rescaled NAVs are used

RETURN CALCULATOR

Check the return on your investment in the fund

Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct

Investment Type

Monthly Investment

Time Period (yrs)

Annual Return in %

Invested Amount
₹0
Return
₹0

Current Value
₹0

FUND SUMMARY

Benchmark

NIFTY All Duration G-Sec TR INR

Expense Ratio

0.40%

Category Avg Expense Ratio

0.49%

Minimum Investment (Lumpsum/SIP)

₹ 100 /₹ 100

Lock In (Years)

No Lock-in

Fund Size

₹ 3,339.88 Cr(As on Nov, 2025)

Inception Date

Jan 23, 2013

Turnover

- %

Exit Load

Nil

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.

Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct is an Fixed Income - Government Bond fund. The fund was launched inJan 23, 2013. Its risk level is . The NAV of the fund as onDec 19, 2025 is ₹110.99. Its expense ratio is 0.40 %. The fund has an AUM of ₹3,339.88 Cr.The fund is managed byAbhishek Bisen,Vihag Mishra,Palha Khanna.
The minimum initial investment is ₹100 in Lumpsum mode.

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FUND MANAGER

Abhishek Bisen

Lead Fund Manager.

Apr 15, 2008 - Present

Fund Manager Rank16Out of 24
i
Rank measured on the basis of consistent alpha the fund manager delivered in the same category over a period of three years (factors only Direct plan, Growth option)
Schemes managed156
Total AUM₹ 2,07,941.18 Cr
Highest Return In 1 Yr126.08 %

Other Funds

table
card

Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size

Kotak Nifty SDL Apr 2027 Top 12 Equal Weight Index Fund Direct Growth

₹ 12.72

0.55%

Moderate Risk

₹7,220.75Cr

Kotak All Weather Debt Fund of Funds Direct Growth

₹ 12.71

0.24%

Moderate Risk

₹7,500.16Cr

Kotak Banking & Financial Services Fund Direct Growth

₹ 16.73

-0.92%

-0.78%

Very High Risk

₹1,366.81Cr

Kotak Nifty SDL Apr 2027 Top 12 Equal Weight Index Fund Direct Growth

Moderate Risk--

NAV₹ 12.72
Fund Size₹7,220.75Cr

Fund Return0.55%

Category Return--

Kotak All Weather Debt Fund of Funds Direct Growth

Moderate Risk--

NAV₹ 12.71
Fund Size₹7,500.16Cr

Fund Return0.24%

Category Return--

Kotak Banking & Financial Services Fund Direct Growth

Very High Risk--

NAV₹ 16.73
Fund Size₹1,366.81Cr

Fund Return-0.92%

Category Return-0.78%

Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

Vihag Mishra

Lead Fund Manager.

Apr 30, 2022 - Present

Schemes managed4
Total AUM₹ 9,482.66 Cr
Highest Return In 1 Yr9.82 %

Other Funds

table
card

Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size

Kotak Gilt-Investment Fund Growth - Direct

₹ 108.36

0.27%

0.10%

Low to Moderate Risk

₹3,339.88Cr

Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct

₹ 110.99

0.27%

0.10%

Low to Moderate Risk

₹3,339.88Cr

Kotak Medium Term Direct Growth

₹ 26.31

0.27%

0.04%

Moderately High risk

₹2,082.53Cr

Kotak Gilt-Investment Fund Growth - Direct

Low to Moderate Risk

NAV₹ 108.36
Fund Size₹3,339.88Cr

Fund Return0.27%

Category Return0.10%

Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct

Low to Moderate Risk

NAV₹ 110.99
Fund Size₹3,339.88Cr

Fund Return0.27%

Category Return0.10%

Kotak Medium Term Direct Growth

Moderately High risk

NAV₹ 26.31
Fund Size₹2,082.53Cr

Fund Return0.27%

Category Return0.04%

Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

Palha Khanna

Lead Fund Manager.

Jul 3, 2023 - Present

Schemes managed16
Total AUM₹ 1,73,371.21 Cr
Highest Return In 1 Yr9.82 %

Other Funds

table
card

Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size

Kotak Banking and PSU Debt Direct Growth

₹ 70.18

0.07%

-0.02%

Moderate Risk

₹5,701.42Cr

Kotak Dynamic Bond Direct Growth

₹ 41.59

0.46%

0.04%

Moderate Risk

₹2,779.45Cr

Kotak Bond Short Term Plan Direct Growth

₹ 59.04

0.16%

0.07%

Low to Moderate Risk

₹18,537.89Cr

Kotak Banking and PSU Debt Direct Growth

Moderate Risk

NAV₹ 70.18
Fund Size₹5,701.42Cr

Fund Return0.07%

Category Return-0.02%

Kotak Dynamic Bond Direct Growth

Moderate Risk

NAV₹ 41.59
Fund Size₹2,779.45Cr

Fund Return0.46%

Category Return0.04%

Kotak Bond Short Term Plan Direct Growth

Low to Moderate Risk

NAV₹ 59.04
Fund Size₹18,537.89Cr

Fund Return0.16%

Category Return0.07%

Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

DETAILED PORTFOLIO

As on Dec, 2025

EQUITY (-%)

DEBT (86.03%)

CASH (13.97%)

Allocation by Market Cap

No Data For Allocation

Industry Holdings

No Data For Allocation

Stock Holdings

No Data For Allocation

PERFORMANCE MEASURES

Fund evaluation across critical parameters for better decision making. Study period is 3 years.

Consistency
i
It represents the consistency of a fund in beating its benchmark.
Downside Risk
i
Measured by Maximum Drawdown which shows the maximum loss from a peak to a nadir over a specified time period
Risk Adjusted Return
i
Risk adjusted return represents the return generated after factoring the risk taken to achieve it.
Volatility
i
Volatility represents the standard deviation of fund returns that is, how much the fund returns have deviated from the average.
Upside Capture Ratio
i
Fund performance relative to the index when the market is up. An upside capture ratio of >100 indicates better fund performance.
Downside Capture Ratio
i
Fund performance relative to the index when the market is down. A downside capture ratio of <100 indicates better fund performance.

HISTORICAL RISK MEASURES

Statistical measures to evaluate mutual fund risk. All ratios are calculated for a three-year time duration.

Alpha: Excess return of the fund over benchmark
i
Any Alpha above zero is considered good. However, for comparison, a fund with a higher Alpha is considered better. Alpha is normally used in conjunction with Beta. If the Beta is high, it implies that the fund manager took a high risk to generate Alpha.
-1.37
This Fund
VS
-0.89
Category Avg
R-Squared: How well the fund tracks benchmark
i
R-Squared measures the correlation of fund returns and its benchmark returns. It varies between 0 and 1. The metric, Beta makes no sense if R-Squared is equal to zero. Thus, both Beta and R-Squared should be used in conjunction. A fund with a high R-Squared and low Beta is considered a less risky fund.
85.22
This Fund
VS
76.67
Category Avg

Beta: Risk of the fund in relation to benchmark
i
Beta >1 indicates that the fund is more volatile than its benchmark while Beta < 1 indicates that the fund is less volatile than its benchmark. The Beta of the benchmark is equal to 1.
1.24
This Fund
VS
0.94
Category Avg
Sharpe Ratio: Risk adjusted return of the fund
i
Sharpe Ratio is a measure of return per unit of risk. A higher Sharpe ratio indicates better risk adjusted return given by the fund.
0.06
This Fund
VS
0.17
Category Avg

Sortino Ratio: Return per unit of bad risk
i
A variation of Sharpe ratio, Sortino considers only the downside risk. Unlike Sharpe ratio which considers both good risk and bad risk, Sortino factors only the bad risk. A high Sortino ratio indicates better return for each unit of downside risk.
0.08
This Fund
VS
0.31
Category Avg
Standard Devation: Volatility of the fund
i
Standard deviation is a measure of dispersion of fund returns from its average return. A fund with a higher Standard deviation is more volatile than a fund with a low standard deviation.
3.73
This Fund
VS
3.10
Category Avg

Benchmark used in calculation : S&P BSE 500 India TR INR

PEER ANALYSIS

card
table

Fund NameMorningstar RatingNAV Fund Return Category ReturnRisk Fund Size

Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

TOP FUNDS FROM THIS AMC

card
table

Fund NameMorningstar RatingNAV Fund Return Category Return Risk Fund Size (Cr)

Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

ABOUT THE AMC

Kotak Mahindra Asset Management Co Ltd

Kotak Mahindra Asset Management Co Ltd manages assets worth ₹ 5,95,894.29 crores. It’s current offering of mutual fund schemes includes 50 equity, 56 debt and 7 hybrid schemes.

Phone

+91 22 61152100

fundaccops@kotakmutual.com

AUM

₹ 5,95,894.29 Cr (

As on Nov 30, 2025

)

Address

2nd Floor, 12-BKC, Plot No C-12 Mumbai,400 051

FAQ's

What is the category of Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct ?

The category of Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct is Fixed Income - Government Bond

What is the current NAV of Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct ?

The current NAV of Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct as on Dec 19, 2025 is ₹110.99

How safe is Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct ?

The risk level of Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct is Low to Moderate.

What are short term returns given by Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct ?

The return given by Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct in 1 month is 0.27%, 3 months is 0.23%, 6 months is 0.14%, and 1 year is 3.15%

What are the long term returns given by Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct ?

The return given by Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct in 3 years is 6.90% and 5 years is 5.59%.

What is the expense ratio of Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct ?

The expense ratio of Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct is 0.40%

What is the AUM of Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct ?

The assets under Management (AUM) of Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct is Rs 3,339.88 crores.

What is the minimum investment in Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct ?

The minimum Lumpsum investment in Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct is ₹100.00 and the minimum SIP investment in Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct is ₹100.00

What is the asset allocation of Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct?

Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct has an exposure of 86.03% in Debt and 13.97% in Cash & Money Market Securities