Kotak Bond Fund vs HDFC Income Fund
Updated June 2026 · both Medium to Long Duration funds · metrics from AMFI NAVs
In short: Kotak Bond Fund has the higher 3-year return (+6.98%); Kotak Bond Fund has the lower expense ratio (0.69%); Kotak Bond Fund has the better risk-adjusted return (Sharpe -0.42). This is analysis from past data, not a recommendation.
| Metric | Kotak Bond Fund | HDFC Income Fund |
|---|---|---|
| 1Y return | +3.10% | +2.92% |
| 3Y CAGR | +6.98% | +6.56% |
| 5Y CAGR | +6.16% | +5.69% |
| Sharpe ratio | -0.42 | -0.57 |
| Max drawdown | -2.4% | -2.6% |
| Volatility | 2.4% | 2.5% |
| Alpha | -0.15% | -0.48% |
| Expense ratio (Direct) | 0.69% | 0.80% |
| AUM | ₹2.0K Cr | ₹859 Cr |
Winner on each row highlighted (lower is better for expense ratio and volatility; max drawdown closer to zero is better). Computed from AMFI NAVs - see methodology. No paid placement.
FAQ
Which has the lower expense ratio?
Kotak Bond Fund has the lower Direct-plan expense ratio (0.69%), versus 0.80% for the other. Over long horizons a lower TER compounds into a meaningful difference.
Which has performed better over 3 years?
Kotak Bond Fund has the higher 3-year CAGR (+6.98%). Past performance does not predict future returns - check volatility and drawdown too, shown above.
How are these figures calculated?
All returns, risk metrics and alpha are computed independently from AMFI daily NAVs using a disclosed methodology. FindMF takes no commission and this comparison is not a recommendation.