{"id":240373,"date":"2026-09-10T11:30:22","date_gmt":"2026-09-10T06:00:22","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/kotak-dynamic-term-fund-direct-growth-review-2026\/"},"modified":"2026-09-10T11:30:22","modified_gmt":"2026-09-10T06:00:22","slug":"kotak-dynamic-term-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/kotak-dynamic-term-fund-direct-growth-review-2026\/","title":{"rendered":"Kotak Dynamic Term Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/kotak-dynamic-term-fund-g-direct-plan\">Kotak Dynamic Term Fund Direct Growth Plan<\/a> closed at \u20b943.573 as of 09 Sep 2026, with an AUM of \u20b92,341 Cr. Its 1-year, 3-year and 5-year returns are 6.57%, 7.87% and 6.64% respectively, and the fund sits in the Medium Risk bucket. Our view is that this is a steadier debt option than an equity-style product, but the return pattern shows that it is better suited to investors who can accept moderate movements in exchange for a more measured long-term outcome.<\/p>\n<p>The fund has a long track record since 01 Jan 2013, and its portfolio mix is anchored by government securities with some corporate debt and cash positions. That mix helps explain why the return profile has stayed in a relatively contained band rather than swinging sharply. For investors looking for debt allocation with some room for active duration and credit positioning, this fund looks more relevant than for those seeking high growth.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/kotak-dynamic-term-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/kotak-dynamic-term-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/kotak-dynamic-term-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Kotak_Dynamic_Term\" title=\"Should you BUY or HOLD Kotak Dynamic Term?\">Should you BUY or HOLD Kotak Dynamic Term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/kotak-dynamic-term-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/kotak-dynamic-term-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/kotak-dynamic-term-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/kotak-dynamic-term-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/kotak-dynamic-term-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/kotak-dynamic-term-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/kotak-dynamic-term-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/kotak-dynamic-term-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b943.573 as of 09 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b92,341 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.59%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>01 Jan 2013<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9100<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Medium Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Debt<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Deepak Agrawal, Abhishek Bisen<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Deepak Agrawal and Abhishek Bisen.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>-0.44%<\/td>\n<td>-4.69%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>2.5%<\/td>\n<td>0.93%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>6.57%<\/td>\n<td>-7.16%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>7.87%<\/td>\n<td>6%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>6.64%<\/td>\n<td>5.87%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent picture is mixed but not weak. Over the last month, the fund was marginally negative, yet that still compared better than the benchmark\u2019s deeper decline. Over three months, the fund stayed positive while the benchmark was also positive, but the fund kept a wider cushion. That tells us the portfolio has been able to absorb short-term pressure without giving up its defensive character.<\/p>\n<p>The one-year number is the sharpest contrast. The fund delivered a positive 1-year return while the benchmark was negative, which suggests it handled a difficult period better than the index. Over three and five years, the pattern remains positive and relatively stable, with the fund staying ahead of the benchmark in both cases. The longer window does not point to explosive compounding, but it does show consistent delivery over time.<\/p>\n<p>The time pattern also looks smoother than a cyclical, high-conviction credit bet. There are small ups and downs, but not the kind of large drawdowns that would suggest aggressive duration or concentrated credit risk. For a debt fund, that kind of steadiness matters because it reduces the chance that one bad market phase dominates the outcome.<\/p>\n<p>Overall, the recent and longer-term data tell a similar story: the fund has not been a standout in absolute return terms, but it has been reasonably resilient versus the benchmark across all tracked periods. That makes the return profile more useful for investors who value consistency over sharp upside.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Kotak_Dynamic_Term\"><\/span>Should you BUY or HOLD Kotak Dynamic Term?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Kotak Dynamic Term? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bandhan-dynamic-term-fund-g-direct-plan\">Bandhan Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>7.36%<\/td>\n<td>7.66%<\/td>\n<td>6.14%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/axis-dynamic-term-fund-g-direct-plan\">Axis Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.61%<\/td>\n<td>7.52%<\/td>\n<td>6.28%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/kotak-dynamic-term-fund-g-direct-plan\">Kotak Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.57%<\/td>\n<td>7.87%<\/td>\n<td>6.64%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/360-one-dynamic-term-fund-g-direct-plan\">360 ONE Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.48%<\/td>\n<td>8.19%<\/td>\n<td>6.91%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-dynamic-term-fund-g-direct-plan\">ICICI Pru Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.02%<\/td>\n<td>7.82%<\/td>\n<td>7.09%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>Kotak Dynamic Term Fund Direct Growth Plan\u2019s 1-year return sits below Bandhan Dynamic Term Fund Direct Growth Plan and Axis Dynamic Term Fund Direct Growth Plan, but it remains above ICICI Pru Dynamic Term Fund Direct Growth Plan. That suggests the recent period has been competitive without being the strongest in the set. The short-term gap is not large, so the fund still looks broadly in line with peers that share the same broad style.<\/p>\n<p>On the longer horizon, the picture is more balanced. Its 3-year return is better than the other peer figures listed here except 360 ONE Dynamic Term Fund Direct Growth Plan, while its 5-year return is ahead of all the peers shown. That tells us the fund\u2019s longer-term behaviour has been stronger than its recent one-year standing might first suggest. The short-term and longer-term peer comparisons therefore tell different stories: the latest year is ordinary, but the multi-year record is more convincing.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>6.9% Central Government &#8211; 2065(^)<\/td>\n<td>Government Securities<\/td>\n<td>24.42%<\/td>\n<\/tr>\n<tr>\n<td>Triparty Repo<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>12.13%<\/td>\n<\/tr>\n<tr>\n<td>9.09% Muthoot Finance Ltd.**<\/td>\n<td>Corporate Debt<\/td>\n<td>6.46%<\/td>\n<\/tr>\n<tr>\n<td>8.95% Vedanta Ltd. ( Axis Trustee Services Ltd.) **<\/td>\n<td>Corporate Debt<\/td>\n<td>6.44%<\/td>\n<\/tr>\n<tr>\n<td>7.71% Central Government &#8211; 2066(^)<\/td>\n<td>Government Securities<\/td>\n<td>5.39%<\/td>\n<\/tr>\n<tr>\n<td>7.25% Central Government &#8211; 2063<\/td>\n<td>Government Securities<\/td>\n<td>4.68%<\/td>\n<\/tr>\n<tr>\n<td>7.54% Tamil Nadu State Govt &#8211; 2036 &#8211; Tamil Nadu(^)<\/td>\n<td>Government Securities<\/td>\n<td>4.45%<\/td>\n<\/tr>\n<tr>\n<td>7.56% Karnataka State Govt &#8211; 2036 &#8211; Karnataka<\/td>\n<td>Government Securities<\/td>\n<td>4.27%<\/td>\n<\/tr>\n<tr>\n<td>8.2% Adani Power Ltd**<\/td>\n<td>Corporate Debt<\/td>\n<td>4.03%<\/td>\n<\/tr>\n<tr>\n<td>Indus Infra Trust<\/td>\n<td>Finance<\/td>\n<td>3.91%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding alone is 24.42%, which gives that government security a meaningful influence on the portfolio\u2019s day-to-day movement. After that, the weights step down fairly quickly into the low teens and then the mid-single digits, so the portfolio is not dominated by a single cluster of very large positions beyond the top line item.<\/p>\n<p>The gap from the first holding to the tenth holding is sizeable, but the list is still diversified across government securities, corporate debt, cash and a finance exposure. That mix may help smooth outcomes because different holdings can react differently to rate changes and credit conditions. The top 10 holdings account for approximately 76.18% of the portfolio.<\/p>\n<p>Because 24 holdings are disclosed and the visible top 10 already account for most of the portfolio, the fund appears moderately concentrated at the top with a longer tail below. That structure could make the largest positions more influential, while still leaving room for the remaining holdings to matter over time.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/kotak-dynamic-term-fund-g-direct-plan\">Kotak Dynamic Term Fund Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund may suit investors with moderate risk tolerance who want debt exposure rather than equity-style growth. The Medium Risk label fits a profile where short-term fluctuations are possible, but the overall path has stayed relatively contained compared with the benchmark.<\/p>\n<p>An investment horizon of at least three to five years looks more appropriate than a very short holding period. The main trade-off is between steadier behaviour and limited upside: the fund has delivered positive multi-year returns, but it is not designed for rapid capital appreciation. Investors who value a smoother debt allocation and can accept modest return variability may find the profile easier to use in a broader portfolio.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load:<\/strong> No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>What is the current NAV of Kotak Dynamic Term Fund Direct Growth Plan?<\/strong><br \/>Its current NAV is \u20b943.573 as of 09 Sep 2026.<\/p>\n<p><strong>What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/strong><br \/>The fund\u2019s returns are 6.57% over 1 year, 7.87% over 3 years and 6.64% over 5 years.<\/p>\n<p><strong>How does it compare with the benchmark?<\/strong><br \/>It has stayed ahead of the benchmark over the 1-year, 3-year and 5-year periods shown. The benchmark returns are -7.16%, 6% and 5.87% for those same horizons.<\/p>\n<p><strong>How does it compare with the peer funds listed here?<\/strong><br \/>Its 5-year return is ahead of the peer figures shown, while the 1-year return sits in the middle of the peer set. On 3 years, it is behind only 360 ONE Dynamic Term Fund Direct Growth Plan among the funds listed here.<\/p>\n<p><strong>What is the risk category of this fund?<\/strong><br \/>It is classified as Medium Risk. That fits a debt fund that can still move, but usually less sharply than an equity-oriented product.<\/p>\n<p><strong>Who manages the fund and what is the exit load?<\/strong><br \/>The fund is managed by Deepak Agrawal and Abhishek Bisen. The exit load is shown as no exit load.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kotak Dynamic Term Fund Direct Growth Plan looks more steady than spectacular. Its latest year is reasonable, but the stronger part of the story is the multi-year record, where it stays ahead of the benchmark across the periods shown and compares well with the peer set on longer horizons. The portfolio leans heavily on government securities, which may help explain the comparatively measured return path. It fits investors who want a debt fund with moderate risk and can accept moderate variation for a more controlled long-term profile.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 10 September 2026 at 11:28 AM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Kotak Dynamic Term Fund Direct Growth Plan\",\"identifier\":\"kotak-dynamic-term-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":43.573,\"valueReference\":\"as of 09 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"2341 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.59\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":6.57},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":7.87},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":6.64},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Deepak Agrawal, Abhishek Bisen\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Kotak Dynamic Term Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its current NAV is \u20b943.573 as of 09 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s returns are 6.57% over 1 year, 7.87% over 3 years and 6.64% over 5 years.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with the benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has stayed ahead of the benchmark over the 1-year, 3-year and 5-year periods shown. The benchmark returns are -7.16%, 6% and 5.87% for those same horizons.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with the peer funds listed here?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 5-year return is ahead of the peer figures shown, while the 1-year return sits in the middle of the peer set. On 3 years, it is behind only 360 ONE Dynamic Term Fund Direct Growth Plan among the funds listed here.\"}},{\"@type\":\"Question\",\"name\":\"What is the risk category of this fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It is classified as Medium Risk. That fits a debt fund that can still move, but usually less sharply than an equity-oriented product.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Deepak Agrawal and Abhishek Bisen. The exit load is shown as no exit load.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kotak Dynamic Term Fund Direct Growth Plan has a NAV of \u20b943.573 as of 09 Sep 2026, with 1Y\/3Y\/5Y returns of 6.57%\/7.87%\/6.64% and Medium Risk.<\/p>\n","protected":false},"author":38,"featured_media":240371,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-240373","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["240371"],"rank_math_title":["Kotak Dynamic Term Fund Review 2026: NAV &amp; Returns"],"rank_math_description":["Kotak Dynamic Term Fund Direct Growth Plan NAV is \u20b943.573 as of 09 Sep 2026; 1Y return is 6.57% and 5Y return is 6.64%."],"rank_math_focus_keyword":["Kotak Dynamic Term Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/Kotak_Dynamic_Term_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/240373","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=240373"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/240373\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/240371"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=240373"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=240373"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=240373"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}