Should I invest in Kotak Quarterly Interval Plan Series 5?

We don't give personal investment advice. Kotak Quarterly Interval Plan Series 5-Dividend 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. Worst 5-year drawdown: 2.4%. 5-year CAGR: -0.00%.

Kotak Mahindra

Kotak Quarterly Interval Plan Series 5-Dividend

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	+0.01%	-9.99%	+10.00	199 / 1129	Q1
1W	-0.50%	-13.04%	+12.54	497 / 1151	Q2
2W	-0.49%	-13.18%	+12.70	490 / 1149	Q2
1M	-0.45%	-13.26%	+12.81	503 / 1137	Q2
3M	0.00%	-13.15%	+13.14	457 / 1116	Q2
6M	+0.01%	-15.45%	+15.47	451 / 906	Q2
YTD	-0.45%	-15.77%	+15.32	516 / 952	Q3
1Y	+0.01%	-13.09%	+13.10	446 / 820	Q3
2Y	-0.04%	-12.72%	+12.68	299 / 446	Q3
3Y	-0.01%	-11.01%	+11.00	259 / 385	Q3
4Y	-0.01%	-6.52%	+6.51	245 / 339	Q3
5Y	0.00%	-7.36%	+7.36	233 / 314	Q3
7Y	-0.09%	+2.53%	-2.62	208 / 234	Q4
10Y	—	—	—	—	—
Inception	-0.02%	-13.63%	+13.61	583 / 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
2016 YTD	-0.45%	+3.02%	-3.47	166 / 181
2015	-0.67%	+2.22%	-2.89	194 / 216
2014	-0.53%	+5.51%	-6.04	228 / 240
2013	-0.02%	-1.95%	+1.93	184 / 276
2012	-0.16%	+1.38%	-1.54	260 / 295
2011	+0.24%	-3.16%	+3.40	157 / 317
2010	+0.79%	-5.78%	+6.57	186 / 377
2009	+0.51%	-12.86%	+13.36	339 / 713
2008	—	—	—	—

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

-0.04%

86 windows

min -1.4% · max 1.8%

47% positive

3-Year rolling

+0.04%

61 windows

min -0.5% · max 0.5%

54% positive

5-Year rolling

+0.03%

37 windows

min -0.1% · max 0.3%

62% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

-0.06%

13 windows

min -0.2% · max 0.1%

15% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

2.55%

3-year · annualised

Sharpe ratio

-2.54

vs risk-free 6.5%

Sortino ratio

-3.12

Downside-only deviation

Max drawdown

-2.19%

Oct 2013 → Jul 2015

% positive months

63.9%

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
19 Jan 2016	₹10.0013
18 Jan 2016	₹10.0000
15 Jan 2016	₹10.0511
14 Jan 2016	₹10.0512
13 Jan 2016	₹10.0512
12 Jan 2016	₹10.0512
11 Jan 2016	₹10.0512
8 Jan 2016	₹10.0514
7 Jan 2016	₹10.0514
6 Jan 2016	₹10.0502

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 Quarterly Interval Plan Series 5-Dividend 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 Quarterly Interval Plan Series 5-Dividend has NAV history starting from 29 Jan 2008, a track record of about 18 years 4 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 Quarterly Interval Plan Series 5-Dividend 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 Quarterly Interval Plan Series 5-Dividend has delivered a absolute return of 0.01% — +13.1 pp ahead of the Income category average of -13.09%. The fund ranks #446 of 820 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Kotak Quarterly Interval Plan Series 5-Dividend has delivered a CAGR of -0.01% — +11 pp ahead of the Income category average of -11.01%. The fund ranks #259 of 385 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Kotak Quarterly Interval Plan Series 5-Dividend has delivered a CAGR of 0.00% — +7.36 pp ahead of the Income category average of -7.36%. The fund ranks #233 of 314 in its category — the third (Q3) quartile.

₹1 lakh invested in Kotak Quarterly Interval Plan Series 5-Dividend exactly 5 years ago would be worth approximately ₹99,976 today — a multiplier of 1.00×, based on the 5-year CAGR of -0.00%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in Kotak Quarterly Interval Plan Series 5-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹595,927 today. That's an XIRR (money-weighted annualised return) of -0.27%.

Kotak Quarterly Interval Plan Series 5-Dividend doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹834,394 — XIRR -0.19%.

On a 5-year basis, Kotak Quarterly Interval Plan Series 5-Dividend ranks #233 out of 314 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -7.36%; this fund delivered -0.00%.

The worst peak-to-trough decline Kotak Quarterly Interval Plan Series 5-Dividend has experienced over the last 5-year window is 2.35% — its NAV fell from a high on 17 Apr 2012 to a low on 15 Jul 2015. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Kotak Quarterly Interval Plan Series 5-Dividend averaged 0.03% (best 0.29%, worst -0.14%). 62% of rolling windows ended positive. The 5-year Sharpe ratio is -2.22 — negative risk-adjusted performance.

In calendar year 2015, Kotak Quarterly Interval Plan Series 5-Dividend returned -0.67% — lagging the Income category average of 2.22% by 2.89 pp. It ranked #194 of 216 in its category that year.

Kotak Quarterly Interval Plan Series 5-Dividend 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 Quarterly Interval Plan Series 5-Dividend 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. Worst 5-year drawdown: 2.4%. 5-year CAGR: -0.00%.

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