ICICI Prudential Long Term Fund vs Kotak Long Term Fund
Direct Plan, Growth option · Data as on 30-10-2026
ICICI Prudential Long Term Fund and Kotak Long Term Fund are both Long Duration funds. In the year to 30-10-2026, ICICI Prudential Long Term Fund (Direct) returned 0.1% and Kotak Long Term Fund (Direct) returned 0.2%. ICICI Prudential Long Term Fund charges 0.43% a year and Kotak Long Term Fund 0.32% (Direct plans). Their portfolios overlap 2.8%: they hold 2 of the same securities.
ICICI Prudential Long Term Fund
Long Duration
- 1 year return
- 0.1%
- Expense ratio
- 0.43%
- NAV
- ₹99.02
Kotak Long Term Fund
Long Duration
- 1 year return
- 0.2%
- Expense ratio
- 0.32%
- NAV
- ₹11.01
Which is better, ICICI Prudential Long Term or Kotak Long Term? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Kotak Long Term returned more over 1 year: 0.2% against 0.1%.
- Kotak Long Term costs less: 0.32% a year against 0.43% (Direct plans).
- ICICI Prudential Long Term fell less in its worst fall since 12-03-2024: −4.2% against −6.1%.
- ICICI Prudential Long Term is the larger fund: ₹822 Cr against ₹49 Cr.
- Their portfolios overlap 2.8%: 2 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | ICICI Prudential Long Term Fund | Kotak Long Term Fund |
|---|---|---|
| Fund house | ICICI Prudential Mutual Fund | Kotak Mahindra Mutual Fund |
| Category | Long Duration | Long Duration |
| AUM | ₹822 Cr (30-09-2026) | ₹49 Cr (30-09-2026) |
| NAV | ₹99.02 (Direct) | ₹11.01 (Direct) |
| Expense ratio (Direct) | 0.43% | 0.32% |
| Expense ratio (Regular) | 0.94% | 0.59% |
| Riskometer | Not available | Moderate |
| Benchmark | CRISIL Long Duration Debt A-III Index | CRISIL Long Duration Debt A-III Index |
| Launch date | 09-07-1998 | 11-03-2024 |
| Minimum investment | ₹5,000 | ₹100 |
| Lock in | None | None |
| Fund managers | Manish Banthia, Raunak Surana | Abhishek Bisen |
| Exit load | Nil | Nil |
ICICI Prudential Long Term vs Kotak Long Term: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| ICICI Prudential Long Term Fund (Direct) | −1.39% | −2.48% | +0.65% | +0.12% | +6.11% | +5.11% | +6.46% |
| Kotak Long Term Fund (Direct) | −0.77% | −3.01% | +0.88% | +0.24% | -- | -- | -- |
| Long Duration average | −1.14% | −2.16% | +0.90% | +0.63% | -- | -- | -- |
Category average: the average of the 11 Long Duration funds, same plan type.
ICICI Prudential Long Term vs Kotak Long Term: Year-wise Returns
| Year | ICICI PrudentialICICI Prudential Long Term | KotakKotak Long Term |
|---|---|---|
| 2026to date | −0.22% | +0.18% |
| 2025 | +5.65% | +2.79% |
| 2024 | +10.71% | -- |
| 2023 | +7.32% | -- |
| 2022 | +1.86% | -- |
| 2021 | +1.01% | -- |
ICICI Prudential Long Term vs Kotak Long Term: Rolling Returns
Every holding period of both funds
Rolling returns
Every 1-year holding period, 395 of them, one for each trading day from 12-03-2025 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
ICICI Prudential Long Term Fund (Direct)
Kotak Long Term Fund (Direct)
to
Apr 2025Aug 2024
to
Aug 2025Nov 2024
to
Nov 2025Feb 2025
to
Feb 2026Jun 2025
to
Jun 2026Sept 2025
to
Sept 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ICICI Prudential Long Term | 11.4 | 36.2 | 31.4 | 21.0 | 0.0 | 0.0 | 0.0 | 5.5% | 5.2% | −2.0% | 13.3% |
| Kotak Long Term | 18.2 | 55.7 | 15.4 | 10.6 | 0.0 | 0.0 | 0.0 | 3.6% | 2.8% | −4.2% | 13.7% |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. Every fund is measured over the days all of them have, from 12-03-2024. Past returns do not promise future returns.
ICICI Prudential Long Term vs Kotak Long Term: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 01-03-2024 to 30-10-2026: 32 instalments, ₹3,20,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| ICICI Prudential Long TermICICI Prudential Long Term Fund (Direct) | ₹3,20,000 | ₹3,31,033 | ₹11,033 | 2.5% |
| Kotak Long TermKotak Long Term Fund (Direct) | ₹3,20,000 | ₹3,27,233 | ₹7,233 | 1.6% |
ICICI Prudential Long TermICICI Prudential Long Term Fund (Direct)
Kotak Long TermKotak Long Term Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
ICICI Prudential Long Term vs Kotak Long Term: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | ICICI Prudential Long Term Fund (Direct) | Kotak Long Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +0.12% | +0.24% |
| Standard deviation | 4.30% | 4.87% |
| Sharpe ratio | -1.19 | -1.03 |
| Sortino ratio | -1.59 | -1.38 |
| Maximum drawdown | −4.2% (27-10-2026) | −4.3% (23-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | ICICI Prudential Long Term Fund (Direct) | Kotak Long Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.50% | +3.71% |
| Standard deviation | 4.39% | 4.27% |
| Sharpe ratio | 0.33 | -0.51 |
| Sortino ratio | 0.46 | -0.69 |
| Maximum drawdown | −12.0% (19-08-2013) | −6.1% (02-04-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 02-01-2013 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
ICICI Prudential Long Term Fund (Direct)
Kotak Long Term Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| ICICI Prudential Long Term Fund (Direct) | −4.2% | 14-08-2026 | 27-10-2026 | Not yet | -- | −3.7% |
| Kotak Long Term Fund (Direct) | −6.1% | 21-05-2025 | 02-04-2026 | 30-06-2026 | 3 months | −3.6% |
From daily values since 12-03-2024, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
ICICI Prudential Long Term Fund (Direct)
Kotak Long Term Fund (Direct)
ICICI Prudential Long Term vs Kotak Long Term: Portfolio Overlap
From each fund's latest monthly portfolio: ICICI Prudential Long Term Fund, September 2026; Kotak Long Term Fund, September 2026
Holdings in common
- Overlap
- 2.8%
- Held by both
- 2
- Only in ICICI Prudential Long Term
- 17
- Only in Kotak Long Term
- 5
| Security | % of ICICI Prudential Long Term | % of Kotak Long Term |
|---|---|---|
| Government Securities | 2.35% | 15.54% |
| Corporate Debt Market Development Fund (Class A2) | 0.41% | 1.04% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 2.8% means 2.8% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in ICICI Prudential Long Term Fund
| Security | % of fund |
|---|---|
| Government Securities | 36.66% |
| Government Securities | 13.55% |
| State Government of Maharashtra | 8.36% |
| State Government of Maharashtra | 5.70% |
| State Government of Maharashtra | 5.58% |
Largest holdings only in Kotak Long Term Fund
| Security | % of fund |
|---|---|
| GS CG 06/11/2037 - (STRIPS) | 18.81% |
| GS CG 25/05/2038 - (STRIPS) | 13.49% |
| GS CG 25/11/2038 - (STRIPS) | 12.99% |
| Central Government - 2035 | 9.78% |
| GS CG 22/10/2038 - (STRIPS) | 8.62% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | ICICI Prudential Long Term | Kotak Long Term |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 95.4% | 79.2% |
| Cash and others | 4.6% | 20.8% |
ICICI Prudential Long Term vs Kotak Long Term: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | ICICI Prudential Long Term Fund | Kotak Long Term Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.43% | 0.32% |
| Base expense ratio (Direct) | 0.37% | 0.26% |
| Total expense ratio (Regular) | 0.94% | 0.59% |
| Base expense ratio (Regular) | 0.81% | 0.49% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare ICICI Prudential Long Term with
ICICI Prudential Long Term Fund vs Kotak Long Term Fund: Frequently Asked Questions
What is the difference between ICICI Prudential Long Term Fund and Kotak Long Term Fund?
Both are Long Duration funds, run by ICICI Prudential Mutual Fund and Kotak Mahindra Mutual Fund. Their portfolios overlap 2.8%. ICICI Prudential Long Term Fund charges 0.43% a year and Kotak Long Term Fund 0.32%.
Which has given higher returns, ICICI Prudential Long Term Fund or Kotak Long Term Fund?
Over 1 year: ICICI Prudential Long Term Fund +0.12%, Kotak Long Term Fund +0.24%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, ICICI Prudential Long Term Fund or Kotak Long Term Fund?
Kotak Long Term Fund charges less: 0.32% a year against 0.43%. These are the Direct plans' total expense ratios reported to AMFI.
How much do ICICI Prudential Long Term Fund and Kotak Long Term Fund overlap?
2.8%. They hold 2 of the same securities, the largest shared ones being Government Securities, Corporate Debt Market Development Fund (Class A2). From each fund's latest monthly portfolio.
Can I invest in both ICICI Prudential Long Term Fund and Kotak Long Term Fund?
Yes. 2.8% of each fund's money sits in the same holdings, so the two hold mostly different investments.
Who manages ICICI Prudential Long Term Fund and Kotak Long Term Fund?
ICICI Prudential Long Term Fund: Manish Banthia, Raunak Surana. Kotak Long Term Fund: Abhishek Bisen.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.