Kotak Gilt Investment Regular-Growth
The fund is rated 1 star. A strength was exposure to interest-rate changes of 6.93 years. Income potential of 6.92%, latest three-year return of 5.46%, balance between returns and downside risk, and annual fee of 1.48% were the main limitations and did not provide enough support for a higher rating.
This fund has a low YTM of 6.92%, its Modified Duration is high at 6.93 years, and its 3-Year Rolling Return is 5.461%, indicating low performance. It has sortino ratio of -0.269 which indicates low risk-reward ratio However, its AUM is None at 2107.804 crores, and its Expense Ratio is low at 1.484%. Taking all these factors into account, the fund has been rated 1.0 stars.
Our score weighs long-term performance, risk and consistency — not just past returns.
Returns
As of 8 Oct 2026
Risk ratios
As of 30 Sep 2026
Debt metrics
Portfolio
As of 30 Sep 2026
Holdings (40)
| Holding | % of fund | Value | Shares |
|---|---|---|---|
| Others | 19.55% | ₹403.7 Cr | — |
| Reserve Bank of IndiaMaturity 91-D 08/10/2026 · Rating SOV | 16.21% | ₹334.67 Cr | 3,35,00,000 |
| GOICoupon 6.90% · Maturity 15/04/2065 · Rating SOV | 15.64% | ₹322.93 Cr | 3,59,99,500 |
| GOICoupon 7.24% · Maturity 18/08/2055 · Rating SOV | 14.54% | ₹300.17 Cr | 3,16,30,400 |
| Reserve Bank of IndiaMaturity 91-D 01/10/2026 · Rating SOV | 7.26% | ₹150 Cr | 1,50,00,000 |
| Reserve Bank of IndiaMaturity 91-D 22/10/2026 · Rating SOV | 6.04% | ₹124.63 Cr | 1,25,00,000 |
| GOICoupon 6.48% · Maturity 06/10/2035 · Rating SOV | 4.86% | ₹100.3 Cr | 1,05,00,000 |
| Bihar StateCoupon 6.88% · Maturity 09/07/2035 · Rating SOV | 2.27% | ₹46.96 Cr | 50,00,000 |
| GOIMaturity 06/05/2037 · Rating SOV | 1.03% | ₹21.21 Cr | 46,39,400 |
| GOIMaturity 25/05/2034 · Rating SOV | 0.86% | ₹17.84 Cr | 31,19,600 |
Fund details
Income over a long investment horizon. Investments in sovereign securities issued by the Central and/or State Government(s) and / or reverse repos in such securities.
The scheme seeks to generate risk-free returns through investments in sovereign securities. The savings plan (D) will provide regular dividend payouts. A portion of the fund will be invested in inter bank money market in order to meet the liquidity requirement.