Should I invest in Kotak Income Plus-(Growth)?

We don't give personal investment advice. Kotak Income Plus-(Growth) is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. 5-year CAGR: 4.00%.

Kotak Mahindra

Kotak Income Plus-(Growth)

Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.00%	-9.99%	+9.99	285 / 1129	Q2
1W	-0.59%	-13.04%	+12.45	523 / 1151	Q2
2W	-0.30%	-13.18%	+12.88	454 / 1149	Q2
1M	-0.02%	-13.26%	+13.25	395 / 1137	Q2
3M	-1.16%	-13.15%	+11.99	764 / 1116	Q3
6M	+0.22%	-15.45%	+15.67	428 / 906	Q2
YTD	-1.88%	-15.77%	+13.89	638 / 952	Q3
1Y	+5.25%	-13.09%	+18.34	310 / 820	Q2
2Y	+9.10%	-12.72%	+21.82	34 / 446	Q1
3Y	+2.14%	-11.01%	+13.15	153 / 385	Q2
4Y	+4.21%	-6.52%	+10.73	115 / 339	Q2
5Y	+4.00%	-7.36%	+11.36	107 / 314	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+4.07%	-13.63%	+17.71	338 / 1199	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2011 YTD	-1.88%	-3.16%	+1.28	260 / 317
2010	+6.59%	-5.78%	+12.37	27 / 377
2009	+9.98%	-12.86%	+22.83	91 / 713
2008	-11.48%	-2.02%	-9.46	343 / 380
2007	+14.30%	+4.84%	+9.47	17 / 142
2006	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+4.81%

48 windows

min -12.1% · max 15.5%

79% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+3.23%

24 windows

min 0.7% · max 4.8%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

5.42%

3-year · annualised

Sharpe ratio

-0.79

vs risk-free 6.5%

Sortino ratio

-1.12

Downside-only deviation

Max drawdown

-14.84%

Feb 2008 → Mar 2009

% positive months

58.3%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Recent NAVs

Date	NAV
28 Feb 2011	₹15.3248
25 Feb 2011	₹15.3007
24 Feb 2011	₹15.2965
23 Feb 2011	₹15.3739
22 Feb 2011	₹15.3900
21 Feb 2011	₹15.4163
18 Feb 2011	₹15.3840
17 Feb 2011	₹15.4198
15 Feb 2011	₹15.3720
14 Feb 2011	₹15.3716

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

Kotak Income Plus-(Growth) is a Income from Kotak Mahindra (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Kotak Income Plus-(Growth) has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Kotak Income Plus-(Growth) is managed by Kotak Mahindra. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Income Plus-(Growth) has delivered a absolute return of 5.25% — +18.34 pp ahead of the Income category average of -13.09%. The fund ranks #310 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Kotak Income Plus-(Growth) has delivered a CAGR of 2.14% — +13.15 pp ahead of the Income category average of -11.01%. The fund ranks #153 of 385 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Kotak Income Plus-(Growth) has delivered a CAGR of 4.00% — +11.36 pp ahead of the Income category average of -7.36%. The fund ranks #107 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in Kotak Income Plus-(Growth) exactly 5 years ago would be worth approximately ₹121,661 today — a multiplier of 1.22×, based on the 5-year CAGR of 4.00%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in Kotak Income Plus-(Growth) over the last 3 years — total invested ₹360,000 — would be worth ₹389,135 today. That's an XIRR (money-weighted annualised return) of 5.10%.

Kotak Income Plus-(Growth) doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹389,135 — XIRR 5.10%.

On a 5-year basis, Kotak Income Plus-(Growth) ranks #107 out of 314 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -7.36%; this fund delivered 4.00%.

The worst peak-to-trough decline Kotak Income Plus-(Growth) has experienced over the last 3-year window is 14.84% — its NAV fell from a high on 28 Feb 2008 to a low on 12 Mar 2009. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, Kotak Income Plus-(Growth) averaged 3.23% (best 4.82%, worst 0.68%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.79 — negative risk-adjusted performance.

In calendar year 2010, Kotak Income Plus-(Growth) returned 6.59% — beating the Income category average of -5.78% by 12.37 pp. It ranked #27 of 377 in its category that year.

Kotak Income Plus-(Growth) is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. Kotak Income Plus-(Growth) is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. 5-year CAGR: 4.00%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.