Focused Fund · SIP history from AMFI NAVs
Kotak Focused Fund SIP calculator & returns
A ₹10,000 monthly SIP in the Direct plan for the last 5 years (Nov 2021 onward) would be worth ₹7.85 L on 1 Oct 2026, on ₹6,00,000 invested — an XIRR of 11.0%. After tax on full redemption: ₹7.78 L.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Invested — over — instalments; valued at NAV of —:
| Year | Invested | Value at year end | XIRR to date |
|---|
₹10,000 a month in Kotak Focused Fund: what it became
Each row is a monthly SIP that ends today (1 Oct 2026). Post-tax assumes you redeem everything today with no other capital gains this year.
| SIP period | Invested | Direct value | Direct XIRR | Direct post-tax | Regular value | Regular XIRR |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.17 L | -5.3% | ₹1.17 L | ₹1.16 L | -6.5% |
| 3 years | ₹3,60,000 | ₹3.92 L | 6.0% | ₹3.92 L | ₹3.84 L | 4.5% |
| 5 years | ₹6,00,000 | ₹7.85 L | 11.0% | ₹7.78 L | ₹7.56 L | 9.5% |
| Since launch of each plan | varies | ₹14.63 L | 14.3% | ₹14.04 L | ₹13.74 L | 12.6% |
Same ₹10,000/month for 5 years, same fund manager, same portfolio: the Regular plan ended ₹29,189 lower (3.7% of the Direct value). The XIRR gap is 1.57 percentage points a year — that is the distributor commission inside the Regular plan's expense ratio, compounding against you. Direct vs Regular, explained.
Did Kotak Focused Fund beat a plain Nifty 500 index fund?
We ran the same monthly SIP on the same dates in Kotak Focused Fund and in Motilal Oswal Nifty 500 Index Fund (Direct plans) — every 3-year SIP that could start between Oct 2019 and Oct 2023, 49 in all. Kotak Focused Fund finished ahead in 36 of 49 (73%) — ahead in most of them. The median gap was +0.6 percentage points a year; the worst -1.6 (started Mar 2021), the best +6.0 (started Jul 2023).
A ₹10,000 monthly SIP over the last 5 years (Nov 2021 onward) is worth ₹7.85 L in Kotak Focused Fund (XIRR 11.0%) against ₹7.18 L in the index fund (XIRR 7.3%) — ₹67,199 more in the active fund.
XIRR of every 3-year monthly SIP, by the month it started. Gap = fund XIRR minus index fund XIRR, in percentage points a year.
| Window | SIPs compared | Fund ahead | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 49 | 73% | +0.6 pp | -1.6 ppstarted Mar 2021 | +6.0 ppstarted Jul 2023 |
| 5-year SIPs | 25 | 100% | +2.1 pp | +0.3 ppstarted Jan 2020 | +3.9 ppstarted Sep 2021 |
The index fund's NAV already includes its own expense ratio and tracking error, so this is what you would actually have earned. The comparison uses the Nifty 500 index fund we match to this category, which may differ from the fund's official benchmark, and it can only cover months where both funds have NAVs (Oct 2019 to Oct 2026). Only funds that still exist are compared; merged or closed funds, often the weaker ones, drop out of AMFI's list, which flatters active funds as a group (how this comparison works).
Every SIP this fund has ever allowed: rolling returns
We started a 5-year SIP in every month the Direct plan's history allows — 27 separate SIPs. The worst returned 11.0% a year (started Oct 2021), the median 17.2%, the best 25.7%; none of them lost money. That spread is the honest answer to “what return should I expect?” — not a single trailing number.
XIRR of every 5-year monthly SIP in the Direct plan, plotted by the month it started. Dashed line: 6% a year.
| Window | SIPs tested | Worst XIRR | Median | Best XIRR | Lost money | Beat 6% |
|---|---|---|---|---|---|---|
| 3-year SIPs | 51 | 6.4%Oct 2023–Oct 2026 | 17.0% | 27.6%Oct 2021–Oct 2024 | 0% | 100% |
| 5-year SIPs | 27 | 11.0%Oct 2021–Oct 2026 | 17.2% | 25.7%Aug 2019–Aug 2024 | 0% | 100% |
Rolling figures use the Direct plan (available history). SIP on the first business day of each month; units valued at the NAV one month after the last instalment.
Questions about Kotak Focused Fund SIPs
What would a ₹5,000 monthly SIP in Kotak Focused Fund for 5 years be worth today?
About ₹3.93 L on ₹3,00,000 invested (Direct plan, Nov 2021 to Oct 2026), an XIRR of 11.0%. Scale linearly for other amounts, or use the calculator above for any start month.
Has a 5-year SIP in Kotak Focused Fund ever lost money?
Not in the data we have: all 27 rolling 5-year SIPs since Aug 2019 ended positive. The worst was 11.0% a year (Oct 2021–Oct 2026). Past results are no guarantee.
Has Kotak Focused Fund beaten a Nifty 500 index fund?
In 36 of 49 rolling 3-year SIPs (73%) on the same dates, Kotak Focused Fund ended ahead of Motilal Oswal Nifty 500 Index Fund (Direct plans, SIPs started Oct 2019 to Oct 2023). Median difference: +0.6 percentage points a year.
Direct or Regular plan of Kotak Focused Fund — how much does it matter?
Same ₹10,000/month for 5 years, same fund manager, same portfolio: the Regular plan ended ₹29,189 lower (3.7% of the Direct value). The XIRR gap is 1.57 percentage points a year — that is the distributor commission inside the Regular plan's expense ratio, compounding against you. Direct vs Regular, explained.
Where does this data come from?
Daily NAVs published by AMFI (Association of Mutual Funds in India). We take the first NAV of each month as the SIP date and value units at the latest NAV. Updated monthly.
How these numbers are calculated
NAVs are AMFI's official daily NAVs (Growth option). Instalments fall on the first business day of each month; stamp duty (0.005%) and exit loads are ignored. Returns are XIRR on actual dates. Tax: 12.5% LTCG above ₹1.25 lakh on units held over a year, 20% STCG on the rest, and Section 112A grandfathering at the 31-Jan-2018 NAV for older units. Full method: methodology.
Past performance does not indicate future returns. This page is a historical calculation, not a recommendation to buy, hold or sell this fund. sipcalculatorhub.com is not a SEBI-registered investment adviser.
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