Kotak Gilt Investment - Regular Plan

  • Debt
  • Gilt

Value Research Rating

2 star

Analyst’s Choice

premium-user

Riskometer

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Moderate

₹98.0977 0.19%

As on 16-May-2025

Returns

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Calculate SIP Returns of Kotak Gilt Investment - Regular Plan

Upfront Investment

Monthly SIP Amount

Investment Duration

years

Risk

info

This fund has Moderate risk.

Low
Low to Moderate
Moderate
Moderately High
High
Very High

As per SEBI's Riskometer.

Portfolio of Kotak Gilt Investment - Regular Plan

Asset Allocation

Split between different types of investments

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Credit Rating Weightage

Split between categories of Equity investments

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Peer Comparison

Fund name
Rating
VR Opinion
Risk info
Return (%)
Expense Ratio (%) info
Kotak Gilt Investment - Regular Plan
2 star
unlock fund advisor
Moderate
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1.48
5 star
unlock fund advisor
Moderate
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0.94
5 star
unlock fund advisor
Moderate
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1.09
4 star
unlock fund advisor
Moderate
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0.89
4 star
unlock fund advisor
Moderate
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0.45

Other details of Kotak Gilt Investment - Regular Plan

Assets

info

₹3,895 Cr

Exit Load (Days)

info

--

Min. Investment (₹)

100

Min. Withdrawal (₹)

1,000

Min. SIP Investment (₹)

100

Min. No of Cheques

1

Investment Strategy

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.

Suitability

"This is a fund that invests mainly in bonds issued by the government of India. These bonds do not carry any risk of default since the repayment of investors' money is backed by the government. But they are prone to sharp ups and downs because of changes in interest rates.

However, retail investors can avoid these funds altogether. There are far too many kinds of debt funds with a highly nuanced classification based on the type or duration of bonds they can invest in. We believe that so many fund categories add to complexity which is easily avoidable. Retail investors can simply invest in Liquid funds for an investment horizon of up to one year and Short Duration funds for the fixed income allocation (which should be 100 per cent for an investment horizon of up to three years) in their longer-term portfolios."

Capital Gains Taxation

  • If investment is made on or after 1 April 2023: Entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • If investment is made before 1 April 2023:
    • Sold within 2 years from the date of investment: Gains are added to the investors' income and taxed according to the applicable slab rate.
    • Sold after 2 years from the date of investment: Gains are taxed at the rate of 12.5%.
  • No tax is to be paid as long as you continue to hold the units.

Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.

Dividend Taxation

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs 10,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.
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FAQ for Kotak Gilt Investment - Regular Plan

Subscribers of Value Research Fund Advisor can conveniently invest in the low-cost direct plan of Kotak Gilt Investment - Regular Plan through the Value Research Fund Advisor website.
Alternatively, mutual funds can also be purchased directly from the respective fund house’s website. For example, Kotak Gilt Investment - Regular Plan can be bought from the Kotak Mahindra Mutual Fund website. In such a case, if you are investing in multiple funds from different fund houses, you will need to transact separately on each fund house’s website.
The third option is to invest offline, by seeking assistance from a mutual fund distributor. Most banks also act as mutual fund distributors, and you can approach your bank for help in completing your investment.

The latest declared NAV of Kotak Gilt Investment - Regular Plan, is ₹98.0977 as of 18-May-2025.

Company Percentage of Portfolio

GOI Sec 7.30 19/06/2053

40.94

GOI Sec 7.34 22/04/2064

27.55

GOI Sec 7.09 05/08/2054

16.95

GOI Sec 6.80 15/12/2060

5.12

GOI Sec 06/05/2037

0.54
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Over the past five years, Kotak Gilt Investment - Regular Plan has delivered an annualised return of 6.17% as of 18-May-2025.

The minimum investment required to start investing in Kotak Gilt Investment - Regular Plan is ₹100 for the lump sum option and ₹100 for the SIP (Systematic Investment Plan) option.