Should I invest in Kotak Twin Advantage-Series II?

We don't give personal investment advice. Kotak Twin Advantage-Series II-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.

Kotak Mahindra

Kotak Twin Advantage-Series II-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	+0.00%	-9.99%	+9.99	455 / 1129	Q2
1W	-2.12%	-13.04%	+10.92	743 / 1151	Q3
2W	-1.28%	-13.18%	+11.90	598 / 1149	Q3
1M	+10.27%	-13.26%	+23.53	2 / 1137	Q1
3M	+18.55%	-13.15%	+31.69	3 / 1116	Q1
6M	+18.83%	-15.45%	+34.28	3 / 906	Q1
YTD	+17.21%	-15.77%	+32.99	3 / 952	Q1
1Y	+17.26%	-13.09%	+30.34	3 / 820	Q1
2Y	+11.55%	-12.72%	+24.27	6 / 446	Q1
3Y	+9.08%	-11.01%	+20.09	20 / 385	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+9.10%	-13.63%	+22.74	141 / 1199	Q1

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
2009 YTD	+17.21%	-12.86%	+30.07	30 / 713
2008	-1.70%	-2.02%	+0.32	261 / 380
2007	+8.05%	+4.84%	+3.22	58 / 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

+4.80%

25 windows

min -2.1% · max 17.3%

76% positive

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

3-Year rolling

+9.08%

1 window

min 9.1% · max 9.1%

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

7.18%

3-year · annualised

Sharpe ratio

0.34

vs risk-free 6.5%

Sortino ratio

1.18

Downside-only deviation

Max drawdown

-3.71%

Jan 2008 → Dec 2008

% positive months

66.7%

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
8 Jun 2009	₹13.0000
5 Jun 2009	₹13.2857
4 Jun 2009	₹13.2849
3 Jun 2009	₹13.2836
2 Jun 2009	₹13.2825
1 Jun 2009	₹13.2815
29 May 2009	₹13.2772
28 May 2009	₹13.2761
27 May 2009	₹13.2167
26 May 2009	₹13.0015

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 Twin Advantage-Series II-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 Twin Advantage-Series II-Dividend has NAV history starting from 12 Jun 2006, a track record of about 19 years 11 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 Twin Advantage-Series II-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 Twin Advantage-Series II-Dividend has delivered a absolute return of 17.26% — +30.34 pp ahead of the Income category average of -13.09%. The fund ranks #3 of 820 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Kotak Twin Advantage-Series II-Dividend has delivered a CAGR of 9.08% — +20.09 pp ahead of the Income category average of -11.01%. The fund ranks #20 of 385 in its category — the top (Q1) quartile.

Kotak Twin Advantage-Series II-Dividend doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Kotak Twin Advantage-Series II-Dividend exactly 3 years ago would be worth approximately ₹129,779 today — a multiplier of 1.30×, based on the 3-year CAGR of 9.08%. The category average over the same window would have grown ₹1 lakh to ₹70,476.

A ₹10,000 monthly SIP in Kotak Twin Advantage-Series II-Dividend over the last 3 years — total invested ₹360,000 — would be worth ₹434,625 today. That's an XIRR (money-weighted annualised return) of 12.60%.

Kotak Twin Advantage-Series II-Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹434,625 — XIRR 12.60%.

On a 3-year basis, Kotak Twin Advantage-Series II-Dividend ranks #20 out of 385 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -11.01%; this fund delivered 9.08%.

The worst peak-to-trough decline Kotak Twin Advantage-Series II-Dividend has experienced over the last 3-year window is 3.71% — its NAV fell from a high on 07 Jan 2008 to a low on 02 Dec 2008. 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 Twin Advantage-Series II-Dividend averaged 9.08% (best 9.08%, worst 9.08%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.34 — weak risk-adjusted performance.

In calendar year 2008, Kotak Twin Advantage-Series II-Dividend returned -1.70% — beating the Income category average of -2.02% by 0.32 pp. It ranked #261 of 380 in its category that year.

Kotak Twin Advantage-Series II-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 Twin Advantage-Series II-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.

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