Kotak Long Term Fund

Long DurationDirect and Regular plans, Growth and IDCW options

Data as on 30-10-2026

Kotak Long Term Fund is a Long Duration fund run by Kotak Mahindra Mutual Fund. On 30-09-2026, it managed ₹49 Cr of investors' money. In the year to 30-10-2026, its Direct plan returned 0.2% and its Regular plan returned −0.1%.

NAV (Direct plan): ₹11.01; ▲ 0.04%30-10-2026
NAV (Regular plan): ₹10.93; ▲ 0.04%30-10-2026
Expense ratio: 0.32%Direct0.59%Regular; 0.32%; A year
Riskometer: Moderate; Set by the fund house
1 year return: 0.2%Direct−0.1%Regular; 0.2%; Total

Kotak Long Term Fund NAV Today

NAV on 30-10-2026: Direct Plan Growth ₹11.01 (up 0.04% that day); Regular Plan Growth ₹10.93 (up 0.04% that day).

This fund (Direct plan)

₹11.0119

Kotak Long Term Fund Returns vs Long Duration Funds

Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

Trailing returns
Period	1M	3M	6M	1Y	3Y	5Y	10Y
This fund (Direct)	−0.77%	−3.01%	+0.88%	+0.24%	--	--	--
This fund (Regular)	−0.79%	−3.08%	+0.73%	−0.06%	--	--	--
Long Duration average	−1.14%	−2.16%	+0.90%	+0.63%	--	--	--
Best in Long Duration	−0.76%	−1.21%	+1.58%	+2.24%	--	--	--
Worst in Long Duration	−1.53%	−3.01%	+0.12%	−0.32%	--	--	--
Rank in Long Duration	2/11	11/11	6/11	6/11	--	--	--

Category rows compare the Direct plans of 11 Long Duration funds. Rank 1 is the highest return. This fund's benchmark is CRISIL Long Duration Debt A-III Index. Returns of that index are not available to us, so the category average is the comparison.

Kotak Long Term Fund Year-wise Returns

Return of each calendar year
Year	Direct	Regular
2026to date	+0.18%	−0.07%
2025	+2.79%	+2.49%

Kotak Long Term Fund Rolling Returns

The return of every holding period in the fund's history, not only the one that ends today

Rolling returns

Each point is the yearly return of one 1-year holding period, plotted on the day it ended. There are 395 periods, one for each trading day from 12-03-2025 to 30-10-2026.

−5%0%5%10%15%

Apr 2024
to
Apr 2025Aug 2024
to
Aug 2025Nov 2024
to
Nov 2025Feb 2025
to
Feb 2026Jun 2025
to
Jun 2026Sept 2025
to
Sept 2026

Kotak Long Term Fund (Direct)Category average, 11 Long Duration funds

Every holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Category median	Beat category
1 year	395	2.8%	−4.2%	13.7%	18%	3.9%	6%
2 years	153	4.1%	1.4%	5.4%	0%	4.8%	0%

Period	Periods	Median	Lowest	Highest	With a loss	Category median	Beat category
1 year	20	1.6%	−6.4%	13.3%	30%	2.8%	20%

Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat category" counts the periods in which the fund did better than the average of the 11 Long Duration funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.

Kotak Long Term Fund Risk

How much it swings, and the falls an investor had to sit through

Risk and return

Measure	Kotak Long Term Fund (Direct)This fund	Category average
Return (CAGR)	+0.24%	+0.63%
Standard deviation	4.87%	4.09%
Sharpe ratio	-1.03	-1.13
Sortino ratio	-1.38	-1.51
Maximum drawdown	−4.3% (23-10-2026)	−3.7% (23-10-2026)

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.

Measure	Kotak Long Term Fund (Direct)This fund	Category average
Return (CAGR)	+3.71%	+4.15%
Standard deviation	4.27%	3.61%
Sharpe ratio	-0.51	-0.49
Sortino ratio	-0.69	-0.65
Maximum drawdown	−6.1% (02-04-2026)	−4.7% (02-04-2026)

From daily NAVs, 12-03-2024 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.

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.

−8%−6%−4%−2%0%

20252026

Kotak Long Term Fund (Direct)Category average, 11 Long Duration funds

	Worst fall	High before it	Bottom	Back at the high	Time to climb back	Below its high today
Kotak Long Term Fund (Direct)	−6.1%	21-05-2025	02-04-2026	30-06-2026	3 months	−3.6%
Category average	−4.7%	28-05-2025	02-04-2026	24-06-2026	3 months	−3.4%

From the Direct plan's daily NAV since 12-03-2024, adjusted for unit splits, and the average of the 11 Long Duration funds (Direct plans, each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.

Kotak Long Term Fund vs Other Long Duration Funds

The five Long Duration funds with the best three year return, and this fund. Direct plans.

Fund name	Rank	AUM (Cr)	Exp. ratio	1Y return	3Y return	3Y alpha	3Y beta	3Y Sharpe	3Y Sortino
Aditya Birla Sun Life Long Term Fund	1/7	89	0.43%	+1.01%	+6.37%	--	--	0.11	0.16	Compare
ICICI Prudential Long Term Fund	2/7	822	0.43%	+0.12%	+6.11%	--	--	0.03	0.04	Compare
SBI Long Term Fund	3/7	1,246	0.32%	+1.04%	+6.08%	--	--	0.02	0.02	Compare
Nippon India Nivesh Lakshya Long Term Fund	4/7	5,839	0.33%	−0.32%	+5.79%	--	--	-0.06	-0.08	Compare
HDFC Long Term Fund	5/7	2,577	0.28%	−0.02%	+5.68%	--	--	-0.08	-0.11	Compare
Kotak Long Term Fund	6/11	49	0.32%	+0.24%	--	--	--	--	--

AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.

Kotak Long Term Fund Expense Ratio and Costs

What each plan charges a year, in force from 01-10-2026

Plan	Base expense ratio	Brokerage	Transaction costs	Levies and GST	Total expense ratio	Long Duration median	Cost rank (1 = cheapest)
Direct	0.26%	0.00%	0.00%	0.05%	0.32%	0.32%	5/11
Regular	0.49%	0.00%	0.00%	0.09%	0.59%	0.77%	1/11

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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Long Duration funds' plans of the same type are sorted from the lowest total expense ratio to the highest.

Direct vs Regular: what the gap cost

Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.

Over the last	Regular	Direct	Direct earned more by	₹1 lakh became (Regular)	₹1 lakh became (Direct)
1 year	−0.06%	0.24%	0.30%	₹99,940	₹1,00,240

Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.

Kotak Long Term Fund SIP Calculator

What a one-time or monthly investment in this fund would be worth today, from its own NAV history

Growth of an investment

Every month₹

Step up each year

PeriodFor

₹10,000 on the first trading day of every month, from 12-03-2024 to 30-10-2026: 32 instalments, ₹3,20,000 in all.

Investment	Invested	Value now	Gain	Return a year
Direct planKotak Long Term Fund (Direct)	₹3,20,000	₹3,27,233	₹7,233	1.6%
Regular planKotak Long Term Fund (Regular)	₹3,20,000	₹3,25,893	₹5,893	1.3%
Category averageCategory average, 11 Long Duration funds	₹3,20,000	₹3,29,498	₹9,498	2.2%

₹0₹1.0 L₹2.0 L₹3.0 L₹4.0 L

20252026

Direct planKotak Long Term Fund (Direct)Regular planKotak Long Term Fund (Regular)Category averageCategory average, 11 Long Duration fundsAmount invested

From each plan's published NAV (Growth option) and the category average, 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.

Kotak Long Term Fund Asset Allocation

Asset allocation as on 30-09-2026

What the fund holds

79.2%Debt

Asset	Fund	Category
Debt	79.2%	84.9%
Cash and others	20.8%	15.1%

Credit rating

Bonds and money market papers by credit rating, % of the fund. Category: the average of 11 Long Duration funds.

Rating	Fund	Category
Sovereign	79.2%	83.1%

Kotak Long Term Fund Portfolio Holdings

As on 30-09-2026 · 7 holdings · from the fund house's monthly portfolio

Holdings	Rating	Weight%
GS CG 06/11/2037 - (STRIPS) · Government security	SOV	18.81%
Central Government - 2055 · Government security	SOV	15.54%
GS CG 25/05/2038 - (STRIPS) · Government security	SOV	13.49%
GS CG 25/11/2038 - (STRIPS) · Government security	SOV	12.99%
Central Government - 2035 · Government security	SOV	9.78%
GS CG 22/10/2038 - (STRIPS) · Government security	SOV	8.62%
SBI ALTERNATIVE INVESTMENT FUND	Alternative Investment Fund	1.04%

Kotak Long Term Fund Portfolio Overlap

Funds with the most similar portfolios, across every fund house and category

Fund	Overlap	Holdings in common
Kotak Gilt FundGilt · Kotak Mahindra	19.8%	4	Compare
Kotak Medium to Long Term FundMedium to Long Duration · Kotak Mahindra	16.7%	3	Compare
UTI Long Term FundLong Duration · UTI	16.2%	2	Compare
Union Dynamic Term FundDynamic Bond · Union	16.1%	2	Compare
Invesco India Gilt FundGilt · Invesco	15.5%	1	Compare
Bajaj Finserv Gilt FundGilt · Bajaj Finserv	15.5%	1	Compare
Union Gilt FundGilt · Union	15.5%	1	Compare
Edelweiss Gilt FundGilt · Edelweiss	15.5%	1	Compare

Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.

Kotak Long Term Fund Overview

Fund facts from the scheme summary document, as on 16-10-2026

Expense ratio (Direct): 0.32%
Expense ratio (Regular): 0.59%
Category: Long Duration
Risk: Moderate
Benchmark: CRISIL Long Duration Debt A-III Index
Launch date: 11-03-2024
Minimum investment: ₹100
Minimum additional investment: ₹100
AUM: ₹48.86 Cr (30-09-2026)
Lock in: None
Scheme code (Direct): 152491
ISIN (Direct): INF174KA1RF5
Scheme code (Regular): 152489
ISIN (Regular): INF174KA1RC2
NAV history: From 12-03-2024, 2.6 years

Exit load: Nil

Tax on Kotak Long Term Fund returns

Kotak Long Term Fund is taxed as a debt fund: 65% or more of it is in bonds and money market papers.
For units bought on or after 01-04-2023, the gain is added to your income and taxed at your slab rate, however long you hold the units.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.

Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.

All plans and options

Plan	Option	NAV	As on
direct	Growth	₹11.0119	30-10-2026
direct	IDCW	₹11.0111	30-10-2026
regular	Growth	₹10.9277	30-10-2026
regular	IDCW	₹10.9277	30-10-2026

About Kotak Long Term Fund

Kotak Long Term Fund is a mutual fund from Kotak Mahindra Mutual Fund. Its category is Long Duration. It was launched on 11-03-2024. Its benchmark is CRISIL Long Duration Debt A-III Index. At the end of September 2026 it held 7 securities.

Fund Manager

Abhishek Bisen
Fund manager of Kotak Long Term Fund, since 11-03-2024

See all funds of Kotak Mahindra Mutual Fund

AUM change

September 2026: ₹48.86 Cr; −15.51% from August 2026
August 2026: ₹57.83 Cr; −5.48% from July 2026
July 2026: ₹61.18 Cr; −9.82% from June 2026

AUM moves with money invested or taken out, and with the value of what the fund holds.

Compare Kotak Long Term Fund with Other Funds

Returns, risk, costs and the stocks they share, side by side

Kotak Long Term vs Aditya Birla Sun Life Long TermLong Duration
Kotak Long Term vs ICICI Prudential Long TermLong Duration
Kotak Long Term vs SBI Long TermLong Duration
Kotak Long Term vs Nippon India Nivesh Lakshya Long TermLong Duration
Kotak Long Term vs HDFC Long TermLong Duration
Kotak Long Term vs Kotak Gilt19.8% overlap
Kotak Long Term vs Kotak Medium to Long Term16.7% overlap
Kotak Long Term vs UTI Long Term16.2% overlap

Compare with any other fund

Frequently Asked Questions for Kotak Long Term Fund

What is the current NAV of Kotak Long Term Fund?

The Direct plan NAV is ₹11.0119. The Regular plan NAV is ₹10.9277, as on 30-10-2026.

What are the returns of Kotak Long Term Fund?

The Direct plan returned +0.24% in 1 year. The Regular plan returned −0.06% in 1 year. These figures are as on 30-10-2026.

What is the expense ratio of Kotak Long Term Fund?

The Direct plan charges 0.32% a year. The Regular plan charges 0.59% a year. This is the figure the fund house reported to AMFI, in force from 01-10-2026.

What is the AUM of Kotak Long Term Fund?

Kotak Long Term Fund managed ₹48.86 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

What are the top holdings of Kotak Long Term Fund?

At the end of September 2026 the largest holdings were GS CG 06/11/2037 - (STRIPS) (18.81%), Central Government - 2055 (15.54%), GS CG 25/05/2038 - (STRIPS) (13.49%), GS CG 25/11/2038 - (STRIPS) (12.99%), Central Government - 2035 (9.78%). The fund held 7 securities in all.

How do I invest in Kotak Long Term Fund?

Through Kotak Mahindra Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹100. You can invest once or through a monthly SIP.

Who is the fund manager of Kotak Long Term Fund?

Abhishek Bisen (since 11-03-2024).

What is the exit load of Kotak Long Term Fund?

Nil

Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.

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.