Should I invest in KOTAK Wealth Builder Series I?

We don't give personal investment advice. KOTAK Wealth Builder Series I- 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 Wealth Builder Series I- 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	460 / 1129	Q2
1W	+0.00%	-13.04%	+13.04	364 / 1151	Q2
2W	-0.09%	-13.18%	+13.09	399 / 1149	Q2
1M	-0.41%	-13.26%	+12.85	495 / 1137	Q2
3M	+0.04%	-13.15%	+13.19	402 / 1116	Q2
6M	+0.20%	-15.45%	+15.66	429 / 906	Q2
YTD	+0.40%	-15.77%	+16.18	379 / 952	Q2
1Y	+0.80%	-13.09%	+13.89	396 / 820	Q2
2Y	+4.91%	-12.72%	+17.63	145 / 446	Q2
3Y	+6.03%	-11.01%	+17.04	97 / 385	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.92%	-13.63%	+19.55	307 / 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
2010 YTD	+0.40%	-5.78%	+6.18	216 / 377
2009	+0.38%	-12.86%	+13.24	344 / 713
2008	+13.30%	-2.02%	+15.33	16 / 380
2007	—	—	—	—

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

+7.96%

25 windows

min 0.1% · max 13.9%

100% positive

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

3-Year rolling

+6.03%

1 window

min 6.0% · max 6.0%

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

4.53%

3-year · annualised

Sharpe ratio

-0.12

vs risk-free 6.5%

Sortino ratio

-0.43

Downside-only deviation

Max drawdown

-5.27%

Oct 2008 → Nov 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
2 Mar 2010	₹11.8983
26 Feb 2010	₹11.8946
25 Feb 2010	₹11.8940
24 Feb 2010	₹11.8962
23 Feb 2010	₹11.8979
22 Feb 2010	₹11.8973
19 Feb 2010	₹11.8986
18 Feb 2010	₹11.8931
17 Feb 2010	₹11.8920
16 Feb 2010	₹11.9094

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 Wealth Builder Series I- 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 Wealth Builder Series I- Dividend has NAV history starting from 28 Feb 2007, a track record of about 19 years 3 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 Wealth Builder Series I- 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 Wealth Builder Series I- Dividend has delivered a absolute return of 0.80% — +13.89 pp ahead of the Income category average of -13.09%. The fund ranks #396 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, KOTAK Wealth Builder Series I- Dividend has delivered a CAGR of 6.03% — +17.04 pp ahead of the Income category average of -11.01%. The fund ranks #97 of 385 in its category — the second (Q2) quartile.

KOTAK Wealth Builder Series I- 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 Wealth Builder Series I- Dividend exactly 3 years ago would be worth approximately ₹119,199 today — a multiplier of 1.19×, based on the 3-year CAGR of 6.03%. The category average over the same window would have grown ₹1 lakh to ₹70,476.

A ₹10,000 monthly SIP in KOTAK Wealth Builder Series I- Dividend over the last 3 years — total invested ₹360,000 — would be worth ₹386,596 today. That's an XIRR (money-weighted annualised return) of 4.68%.

KOTAK Wealth Builder Series I- Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹386,596 — XIRR 4.68%.

On a 3-year basis, KOTAK Wealth Builder Series I- Dividend ranks #97 out of 385 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 -11.01%; this fund delivered 6.03%.

The worst peak-to-trough decline KOTAK Wealth Builder Series I- Dividend has experienced over the last 3-year window is 5.26% — its NAV fell from a high on 24 Oct 2008 to a low on 10 Nov 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 Wealth Builder Series I- Dividend averaged 6.03% (best 6.03%, worst 6.03%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.12 — negative risk-adjusted performance.

In calendar year 2009, KOTAK Wealth Builder Series I- Dividend returned 0.38% — beating the Income category average of -12.86% by 13.24 pp. It ranked #344 of 713 in its category that year.

KOTAK Wealth Builder Series I- 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 Wealth Builder Series I- 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.