Kotak Gilt Investment Fund Direct Growth

Fund Overview

Fund Size

₹3,572 Cr

Expense Ratio

0.47%

ISIN

INF174K01KE4

Minimum SIP

₹100

Exit Load

No Charges

Inception Date

01 Jan 2013

About this fund

Kotak Gilt Investment Fund Direct Growth is a Government Bond mutual fund schemes offered by Kotak Mahindra Mutual Fund. This fund has been in existence for 12 years, 8 months and 14 days, having been launched on 01-Jan-13.
As of 12-Sep-25, it has a Net Asset Value (NAV) of ₹107.64, Assets Under Management (AUM) of 3572.00 Crores, and an expense ratio of 0.47%.

Kotak Gilt Investment Fund Direct Growth has given a CAGR return of 8.13% since inception.
The fund's asset allocation comprises around 0.00% in equities, 97.06% in debts, and 2.94% in cash & cash equivalents.
You can start investing in Kotak Gilt Investment Fund Direct Growth with a SIP of ₹100 or a Lumpsum investment of ₹100.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+3.74%

+5.75% (Cat Avg.)

3 Years

+7.23%

+7.04% (Cat Avg.)

5 Years

+6.17%

+5.50% (Cat Avg.)

10 Years

+8.06%

+6.67% (Cat Avg.)

Since Inception

+8.13%

— (Cat Avg.)

Portfolio Summaryas of 31st August 2025

Debt	₹3,467.05 Cr	97.06%
Others	₹104.95 Cr	2.94%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
7.3% Govt Stock 2053	Bond - Gov't/Treasury	₹1,214.52 Cr	34.00%
7.34% Govt Stock 2064	Bond - Gov't/Treasury	₹908.05 Cr	25.42%
7.09% Govt Stock 2074	Bond - Gov't/Treasury	₹319.26 Cr	8.94%
7.09% Govt Stock 2054	Bond - Gov't/Treasury	₹305.01 Cr	8.54%
6.9% Govt Stock 2065	Bond - Gov't/Treasury	₹253.36 Cr	7.09%
Triparty Repo	Cash - Repurchase Agreement	₹145.6 Cr	4.08%
6.68% Govt Stock 2040	Bond - Gov't/Treasury	₹97.18 Cr	2.72%
Net Current Assets/(Liabilities)	Cash	₹-40.65 Cr	1.14%
6.33% Govt Stock 2035	Bond - Gov't/Treasury	₹35.38 Cr	0.99%
Gs CG 06/05/2037 - (Strips) Strips	Bond - Gov't/Treasury	₹20.4 Cr	0.57%
Gs CG 25/05/2034 - (Strips) Strips	Bond - Gov't/Treasury	₹17.22 Cr	0.48%
Gs CG 25/11/2034 - (Strips) Strips	Bond - Gov't/Treasury	₹16.62 Cr	0.47%
Gs CG 22/04/2037 - (Strips) Strips	Bond - Gov't/Treasury	₹15.86 Cr	0.44%
India (Republic of)	Bond - Gov't/Treasury	₹15.58 Cr	0.44%
India (Republic of)	Bond - Gov't/Treasury	₹15.51 Cr	0.43%
Gs CG 22/10/2037 - (Strips) Strips	Bond - Gov't/Treasury	₹15.29 Cr	0.43%
India (Republic of)	Bond - Gov't/Treasury	₹14.27 Cr	0.40%
India (Republic of)	Bond - Gov't/Treasury	₹14.2 Cr	0.40%
India (Republic of)	Bond - Gov't/Treasury	₹11.53 Cr	0.32%
07.70 MH Sgs 2031	Bond - Gov't/Treasury	₹11.34 Cr	0.32%
India (Republic of)	Bond - Gov't/Treasury	₹11.26 Cr	0.32%
India (Republic of)	Bond - Gov't/Treasury	₹11.23 Cr	0.31%
Gs CG 06/05/2038 - (Strips) Strips	Bond - Gov't/Treasury	₹10.42 Cr	0.29%
India (Republic of)	Bond - Gov't/Treasury	₹8.94 Cr	0.25%
India (Republic of)	Bond - Gov't/Treasury	₹8.29 Cr	0.23%
Gs CG 25/11/2041 - (Strips) Strips	Bond - Gov't/Treasury	₹8.24 Cr	0.23%
08.28 Tn Sdl 2028mar	Bond - Gov't/Treasury	₹7.26 Cr	0.20%
India (Republic of)	Bond - Gov't/Treasury	₹6.83 Cr	0.19%
Gs CG 25/05/2041 - (Strips) Strips	Bond - Gov't/Treasury	₹6.7 Cr	0.19%
India (Republic of)	Bond - Gov't/Treasury	₹6.61 Cr	0.18%
India (Republic of)	Bond - Gov't/Treasury	₹6.59 Cr	0.18%
India (Republic of)	Bond - Gov't/Treasury	₹6.36 Cr	0.18%
Gs CG 22/04/2038 - (Strips) Strips	Bond - Gov't/Treasury	₹6.32 Cr	0.18%
India (Republic of)	Bond - Gov't/Treasury	₹6.15 Cr	0.17%
India (Republic of)	Bond - Gov't/Treasury	₹6.15 Cr	0.17%
Gs CG 06/11/2037 - (Strips) Strips	Bond - Gov't/Treasury	₹5.72 Cr	0.16%
08.37 Tn SDL 2028	Bond - Gov't/Treasury	₹5.21 Cr	0.15%
07.70 MH Sgs 2030	Bond - Gov't/Treasury	₹5.19 Cr	0.15%
0% GOI- 22082026 STRIPS	Bond - Gov't/Treasury	₹3.22 Cr	0.09%
Tamil Nadu (Government of) 0.0738%	Bond - Sub-sovereign Government Debt	₹3.12 Cr	0.09%
07.84 Tn SDL 2026	Bond - Gov't/Treasury	₹3.05 Cr	0.09%
GS CG 23/12/2025 - (STRIPS) TB	Bond - Gov't/Treasury	₹2.95 Cr	0.08%
07.91 UP Sgs 2037	Bond - Gov't/Treasury	₹2.67 Cr	0.07%
06.57 AP Sdl 2030	Bond - Gov't/Treasury	₹2.48 Cr	0.07%
08.08 MH Sdl 2028	Bond - Gov't/Treasury	₹2.08 Cr	0.06%
08.39 Up SDL 2028	Bond - Gov't/Treasury	₹2.08 Cr	0.06%
India (Republic of)	Bond - Gov't/Treasury	₹2.05 Cr	0.06%
Gs CG 22/10/2038 - (Strips) Strips	Bond - Gov't/Treasury	₹2.03 Cr	0.06%
07.95 FERT BND 2026	Bond - Gov't Agency Debt	₹1.77 Cr	0.05%
Gs CG 25/05/2042 - (Strips) Strips	Bond - Gov't/Treasury	₹1.72 Cr	0.05%
07.80 Tn SDL 2032 27 Jul	Bond - Gov't/Treasury	₹1.56 Cr	0.04%
07.68 KA Sgs 2031	Bond - Gov't/Treasury	₹1.03 Cr	0.03%
06.78 KA Sdl 2032	Bond - Gov't/Treasury	₹0.96 Cr	0.03%
08.16 GJ Sdl 2028	Bond - Gov't/Treasury	₹0.26 Cr	0.01%
6.67% Govt Stock 2050	Bond - Gov't/Treasury	₹0 Cr	0.00%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Instruments	Amount	Holdings
Bond - Gov't/Treasury	₹3,462.17 Cr	96.93%
Cash - Repurchase Agreement	₹145.6 Cr	4.08%
Cash	₹-40.65 Cr	1.14%
Bond - Sub-sovereign Government Debt	₹3.12 Cr	0.09%
Bond - Gov't Agency Debt	₹1.77 Cr	0.05%

Risk & Performance Ratios

Fund Managers

Abhishek Bisen

Since April 2008

Additional Scheme Detailsas of 31st August 2025

ISIN

INF174K01KE4

Expense Ratio

0.47%

Exit Load

No Charges

Fund Size

₹3,572 Cr

Age

12 years 8 months

Lumpsum Minimum

₹100

Fund Status

Open Ended Investment Company

Benchmark

NIFTY All Duration G-Sec TR INR

Investment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Capital Gains Taxation:

Dividend Taxation:

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Government Bond Funds

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Groww Gilt Fund Direct Growth Moderately High risk	0.5%	0.0%	₹33.55 Cr	-
Groww Gilt Fund Regular Growth Moderately High risk	1.5%	0.0%	₹33.55 Cr	-
Bajaj Finserv Gilt Fund Direct Growth Moderate Risk	0.4%	0.0%	₹28.81 Cr	-
Bajaj Finserv Gilt Fund Regular Growth Moderate Risk	1.3%	0.0%	₹28.81 Cr	-
UTI Nifty 5 Yr Benchmark G-Sec ETF Moderate Risk	0.2%	-	₹24.82 Cr	8.1%
LIC MF Gilt Fund Direct Growth Moderate Risk	0.8%	0.0%	₹57.24 Cr	4.3%
ICICI Prudential Gilt Fund Direct Growth Low to Moderate Risk	0.6%	0.0%	₹8550.70 Cr	7.8%
HSBC Gilt Fund Direct Growth Moderate Risk	0.5%	0.0%	₹244.92 Cr	5.0%
Bandhan Government Securities Fund Investment Plan Direct Growth Moderate Risk	0.5%	0.0%	₹2916.31 Cr	4.0%
Nippon India Gilt Securities Fund Direct Growth Moderate Risk	0.5%	0.0%	₹1957.16 Cr	4.9%
Invesco India Gilt Fund Direct Growth Moderate Risk	0.5%	0.0%	₹469.91 Cr	4.9%
Kotak Gilt Investment Fund Direct Growth Low to Moderate Risk	0.5%	0.0%	₹3572.00 Cr	3.7%
Nippon India ETF Nifty 5 yr Benchmark G-Sec Moderate Risk	0.1%	-	₹287.37 Cr	8.4%
Axis Gilt Fund Regular Growth Moderate Risk	0.8%	0.0%	₹612.82 Cr	5.7%
Bandhan Government Securities Fund Investment Plan Regular Growth Moderate Risk	1.1%	0.0%	₹2916.31 Cr	3.3%
Aditya Birla Sun Life Nifty G-Sec Jun 2027 ETF Moderate Risk	-	-	-	-
Edelweiss Government Securities Fund Direct Growth Moderate Risk	0.5%	0.0%	₹169.28 Cr	5.3%
Edelweiss Government Securities Fund Regular Growth Moderate Risk	1.2%	0.0%	₹169.28 Cr	4.6%
Motilal Oswal Nifty 5 year Benchmark G-Sec ETF Moderate Risk	0.2%	-	₹130.16 Cr	8.0%
UTI Gilt Fund Direct Growth Moderate Risk	0.7%	0.0%	₹594.23 Cr	5.3%
Axis Gilt Fund Direct Growth Moderate Risk	0.4%	0.0%	₹612.82 Cr	6.1%
Baroda BNP Paribas Gilt Fund Direct Growth Moderate Risk	0.1%	0.0%	₹1345.56 Cr	6.9%
HDFC Gilt Fund Direct Growth Moderate Risk	0.5%	0.0%	₹2812.13 Cr	6.0%
Aditya Birla Sun Life Government Securities Fund Direct Growth Moderate Risk	0.5%	0.0%	₹1991.13 Cr	3.9%
SBI Magnum Gilt Direct Growth Moderate Risk	0.5%	0.0%	₹11322.01 Cr	5.5%
ICICI Prudential Nifty 5 Yr Bench G-SEC ETF Moderate Risk	0.2%	-	₹16.95 Cr	8.6%
Tata Gilt Securities Fund Direct Growth Moderate Risk	0.3%	0.0%	₹1426.39 Cr	6.5%
Franklin India Government Securities Direct Growth Low to Moderate Risk	0.6%	0.0%	₹155.34 Cr	5.7%
Canara Robeco Gilt Fund Direct Growth Moderate Risk	0.5%	0.0%	₹151.45 Cr	5.0%
DSP Government Securities Direct Growth Moderate Risk	0.6%	0.0%	₹1894.23 Cr	5.5%
PGIM India Gilt Fund Direct Growth Moderate Risk	0.6%	0.0%	₹108.93 Cr	5.5%
Union Gilt Fund Direct Growth Moderate Risk	0.7%	0.0%	₹141.01 Cr	4.0%
Union Gilt Fund Regular Growth Moderate Risk	1.1%	0.0%	₹141.01 Cr	3.5%
Quant Gilt Fund Regular Growth Moderate Risk	1.4%	0.0%	₹126.04 Cr	4.7%
Quant Gilt Fund Direct Growth Moderate Risk	0.4%	0.0%	₹126.04 Cr	5.7%
Invesco India Gilt Fund Regular Growth Moderate Risk	1.3%	0.0%	₹469.91 Cr	4.1%
Motilal Oswal 5 Year G-Sec Fund of Fund Regular Growth Moderate Risk	0.5%	0.0%	₹50.00 Cr	7.9%
Motilal Oswal 5 Year G-Sec Fund of Fund Direct Growth Moderate Risk	0.4%	0.0%	₹50.00 Cr	8.0%
Kotak Gilt Investment Fund Regular Growth Low to Moderate Risk	1.5%	0.0%	₹3572.00 Cr	2.7%
Aditya Birla Sun Life Government Securities Fund Regular Growth Moderate Risk	1.1%	0.0%	₹1991.13 Cr	3.3%
LIC MF Gilt Fund Regular Growth Moderate Risk	1.5%	0.0%	₹57.24 Cr	3.5%
PGIM India Gilt Fund Regular Growth Moderate Risk	1.4%	0.0%	₹108.93 Cr	4.5%
DSP Government Securities Regular Growth Moderate Risk	1.1%	0.0%	₹1894.23 Cr	4.9%
Baroda BNP Paribas Gilt Fund Regular Growth Moderate Risk	0.5%	0.0%	₹1345.56 Cr	6.6%
Canara Robeco Gilt Fund Regular Growth Moderate Risk	1.3%	0.0%	₹151.45 Cr	4.3%
HSBC Gilt Fund Regular Growth Moderate Risk	1.6%	0.0%	₹244.92 Cr	3.7%
SBI Magnum Gilt Regular Growth Moderate Risk	0.9%	0.0%	₹11322.01 Cr	5.0%
ICICI Prudential Gilt Fund Regular Growth Low to Moderate Risk	1.1%	0.0%	₹8550.70 Cr	7.2%
UTI Gilt Fund Regular Growth Moderate Risk	0.9%	0.0%	₹594.23 Cr	5.0%
HDFC Gilt Fund Regular Growth Moderate Risk	0.9%	0.0%	₹2812.13 Cr	5.5%

About the AMC

Kotak Mahindra Mutual Fund

+91 22 61152100

https://www.kotakmf.com/

Total AUM

₹5,79,182 Cr

Address

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

Other Funds by Kotak Mahindra Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Kotak Active Momentum Fund Direct Growth Low Risk	-	0.0%	₹1389.52 Cr	-
Kotak Nifty Alpha 50 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹7.72 Cr	-
Kotak Nifty AAA Bond Financial Services Mar 2028 Index Fund Direct Growth Moderate Risk	0.1%	0.0%	₹407.54 Cr	-
Kotak Nifty 200 Quality 30 Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹12.24 Cr	-
Kotak Nifty Top 10 Equal Weight Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹19.44 Cr	-
Kotak Energy Opportunities Fund Direct Growth Very High Risk	0.9%	1.0%	₹208.17 Cr	-
Kotak Nifty Midcap 150 Index Fund Regular Growth Very High Risk	0.1%	0.0%	₹8.97 Cr	-
Kotak CRISIL-IBX Financial Services 3-6 Months Debt Index Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹547.84 Cr	-
Kotak Nifty Commodities Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹27.18 Cr	-
Kotak CRISIL-IBX AAA Bond Financial Services Index - Dec 2026 Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹26.90 Cr	-
Kotak BSE Sensex Index Fund Direct Growth Very High Risk	0.1%	0.0%	₹12.21 Cr	-
Kotak Nifty Smallcap 250 Index Fund Direct Growth Very High Risk	0.1%	0.0%	₹32.52 Cr	-
Kotak Nifty 100 Equal Weight Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹19.40 Cr	-
Kotak Nifty 50 Equal Weight Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹19.90 Cr	-
Kotak Transportation & Logistics Fund Direct Growth Very High Risk	0.8%	0.0%	₹489.23 Cr	-
Kotak MNC Fund Direct Growth Very High Risk	0.6%	0.0%	₹2182.89 Cr	-
Kotak Nifty Midcap 150 Momentum 50 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹251.82 Cr	-
Kotak Nifty India Tourism Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹31.82 Cr	0.2%
Kotak Crisil-IBX AAA Financial Services Index - Sep 2027 Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹443.51 Cr	-
Kotak Nifty Midcap 50 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹57.05 Cr	-2.1%
Kotak BSE PSU Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹74.79 Cr	-6.2%
Kotak Special Opportunities Fund Direct Growth Very High Risk	0.7%	0.0%	₹1886.23 Cr	-6.4%
Kotak Nifty 100 Low Volatility 30 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹120.60 Cr	-2.0%
Kotak Fixed Maturity Plan Series 330 - 98 Days Direct Growth Low Risk	-	0.0%	-	-
Kotak Nifty AAA Bond Jun 2025 HTM Index Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹102.05 Cr	7.5%
Kotak Fixed Maturity Plan Series 329 - 90 Days Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak Long Duration Fund Direct Growth Moderate Risk	0.3%	0.0%	₹150.30 Cr	3.4%
Kotak Technology Fund Direct Growth Very High Risk	0.9%	0.0%	₹590.28 Cr	-9.3%
Kotak Fixed Maturity Plan Series 328 - 90 Days Direct Growth Moderate Risk	-	0.0%	₹144.91 Cr	-
Kotak FMP Series 327 Direct Growth Moderately High risk	-	0.0%	₹206.03 Cr	-
Kotak FMP Series 326 - 175 Days Direct Growth Moderate Risk	-	-	-	-
Kotak FMP Series 325 - 90 Days Direct Growth Moderate Risk	-	0.0%	-	-
Kotak FMP Series 324 - 109 Days Direct Growth Moderately High risk	-	0.0%	-	-
Kotak Healthcare Fund Direct Growth Very High Risk	0.8%	0.0%	₹466.92 Cr	0.1%
Kotak FMP Series 323 Direct Growth Low Risk	-	0.0%	-	-
Kotak Consumption Fund Direct Growth Very High Risk	0.6%	0.0%	₹1488.23 Cr	0.8%
Kotak Nifty G-Sec July 2033 Index Fund Direct Growth Moderate Risk	0.1%	0.0%	₹20.65 Cr	8.4%
Kotak Multi Asset Allocation Fund Direct Growth High Risk	0.4%	1.0%	₹8373.72 Cr	7.4%
Kotak S&P BSE Housing Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹17.63 Cr	-5.2%
Kotak Fixed Maturity Plan 1174 Days Series 268 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak FMP Series 308 - 1125 Days Direct Growth Moderately High risk	-	0.0%	₹94.00 Cr	8.6%
Kotak Yearly Interval Plan Series 1 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak Fixed Maturity Plan 1355 Days Series 286 Direct Growth Low to Moderate Risk	-	-	-	-
Kotak FMP Series 304 Direct Growth Moderate Risk	-	-	₹109.38 Cr	8.4%
Kotak Fixed Maturity Plan Series 262 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak FMP Series 291 - 1826 Days Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak Fixed Maturity Plan Series 264 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak FMP Series 310 - 1131 Days Direct Growth Low to Moderate Risk	-	0.0%	₹125.59 Cr	7.4%
Kotak FMP Series 306 Direct Growth Moderate Risk	-	0.0%	-	-
Kotak Quarterly Interval Series 12 Direct Growth Low to Moderate Risk	-	0.0%	-	-

Risk Level

Your principal amount will be at Low to Moderate Risk

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Still got questions?
We're here to help.

What is the current NAV of Kotak Gilt Investment Fund Direct Growth?

The NAV of Kotak Gilt Investment Fund Direct Growth, as of 12-Sep-2025, is ₹107.64.

What are the returns of Kotak Gilt Investment Fund Direct Growth?

The fund has generated 3.74% over the last 1 year and 7.23% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of Kotak Gilt Investment Fund Direct Growth?

The fund's allocation of assets is distributed as 0.00% in equities, 97.06% in bonds, and 2.94% in cash and cash equivalents.

Who manages the Kotak Gilt Investment Fund Direct Growth?

The fund managers responsible for Kotak Gilt Investment Fund Direct Growth are:-

Abhishek Bisen

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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Fund Overview

Fund Size

₹3,572 Cr

Expense Ratio

0.47%

ISIN

INF174K01KE4

Minimum SIP

₹100

Exit Load

No Charges

Inception Date

01 Jan 2013

Risk Level

Your principal amount will be at Low to Moderate Risk