Should I invest in Kotak Bond-Deposit?

We don't give personal investment advice. Kotak Bond-Deposit-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: 14.2%. 5-year CAGR: 2.51%.

Kotak Mahindra

Kotak Bond-Deposit-Dividend

Latest NAV

₹13.6554

As of

21 Oct 2016

2,546 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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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	+0.03%	-8.05%	+8.08	42 / 904	Q1
1W	+0.08%	-11.71%	+11.79	168 / 779	Q1
2W	-0.05%	-11.75%	+11.71	398 / 776	Q3
1M	+1.45%	-11.75%	+13.20	4 / 772	Q1
3M	+4.35%	-11.29%	+15.64	5 / 763	Q1
6M	+8.14%	-10.39%	+18.53	15 / 749	Q1
YTD	+12.69%	-10.45%	+23.14	2 / 747	Q1
1Y	+11.47%	-8.25%	+19.72	18 / 728	Q1
2Y	+8.15%	-5.23%	+13.38	45 / 660	Q1
3Y	+5.29%	-3.98%	+9.28	272 / 644	Q2
4Y	+2.42%	+3.39%	-0.97	77 / 134	Q3
5Y	+2.51%	+3.38%	-0.87	55 / 92	Q3
7Y	+1.28%	+3.38%	-2.10	47 / 76	Q3
10Y	+1.65%	+3.82%	-2.17	40 / 66	Q3
Inception	+1.92%	-1.09%	+3.01	482 / 904	Q3

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	+12.69%	+3.44%	+9.26	12 / 223
2015	+1.67%	+2.41%	-0.75	110 / 205
2014	+5.19%	+7.92%	-2.73	67 / 107
2013	-8.32%	+4.19%	-12.51	50 / 50
2012	+0.39%	+5.17%	-4.78	24 / 34
2011	+1.25%	+1.60%	-0.35	4 / 12
2010	-3.24%	+2.66%	-5.91	7 / 7
2009	-9.33%	+3.90%	-13.23	6 / 6
2008	+8.08%	+0.02%	+8.05	2 / 6
2007	+7.58%	+7.58%	0.00	2 / 2
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

+1.23%

117 windows

min -9.0% · max 12.1%

66% positive

3-Year rolling

+0.01%

93 windows

min -3.8% · max 5.7%

32% positive

5-Year rolling

-0.11%

68 windows

min -3.8% · max 2.5%

49% positive

7-Year rolling

-0.17%

44 windows

min -1.4% · max 1.9%

34% 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

5.10%

3-year · annualised

Sharpe ratio

-0.24

vs risk-free 6.5%

Sortino ratio

-0.40

Downside-only deviation

Max drawdown

-5.45%

Dec 2014 → Jun 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.

Peers in Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC Charity Fund for Cancer Cure - IDCW Option - 50% IDCW Donation Option	HDFC	₹10.0419	3 Jun 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - IDCW Option	Nippon India	₹17.0046	3 Jun 2026
SBI Magnum Income Fund-Bonus	SBI	₹43.7200	3 Jun 2026
ICICI Prudential Bond Fund - Half Yearly IDCW	ICICI Prudential	₹11.0548	3 Jun 2026
Franklin India Medium to Long Duration Fund - IDCW	Franklin India	₹10.4210	3 Jun 2026
Canara Robeco Income-Growth Plan	Canara Robeco	₹55.9906	3 Jun 2026
UTI Bond Fund-Growth (for rep. After 6 months- No Load)	UTI	₹74.6017	3 Jun 2026
Birla Sun Life Income Plus (Dividend)	Birla Sun Life	₹12.9049	3 Jun 2026
IDFC - SSIF - Investment Plan - Annual Dividend	IDFC	₹11.6743	3 Jun 2026
JM Income Fund-Dividend	JM Financial	₹21.5269	3 Jun 2026

Recent NAVs

Date	NAV
21 Oct 2016	₹13.6554
20 Oct 2016	₹13.6508
19 Oct 2016	₹13.6612
18 Oct 2016	₹13.6656
17 Oct 2016	₹13.6453
14 Oct 2016	₹13.6444
13 Oct 2016	₹13.6716
10 Oct 2016	₹13.6885
7 Oct 2016	₹13.6620
6 Oct 2016	₹13.6883

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.

As of 21 Oct 2016, the NAV of Kotak Bond-Deposit-Dividend is ₹13.6554. It's a Medium to Long Duration Fund from Kotak Mahindra, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Kotak Bond-Deposit-Dividend has NAV history starting from 02 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 Bond-Deposit-Dividend is managed by Kotak Mahindra. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Bond-Deposit-Dividend has delivered a absolute return of 11.47% — +19.72 pp ahead of the Medium to Long Duration Fund category average of -8.25%. The fund ranks #18 of 728 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Kotak Bond-Deposit-Dividend has delivered a CAGR of 5.29% — +9.28 pp ahead of the Medium to Long Duration Fund category average of -3.98%. The fund ranks #272 of 644 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Kotak Bond-Deposit-Dividend has delivered a CAGR of 2.51% — -0.87 pp behind the Medium to Long Duration Fund category average of 3.38%. The fund ranks #55 of 92 in its category — the third (Q3) quartile.

₹1 lakh invested in Kotak Bond-Deposit-Dividend exactly 10 years ago would be worth approximately ₹117,777 today — a multiplier of 1.18×, based on the 10-year CAGR of 1.65%. The category average over the same window would have grown ₹1 lakh to ₹145,412.

A ₹10,000 monthly SIP in Kotak Bond-Deposit-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹674,475 today. That's an XIRR (money-weighted annualised return) of 4.62%.

A ₹10,000 monthly SIP for 10 years in Kotak Bond-Deposit-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,335,864 (multiplier 1.11×). XIRR: 2.11%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Bond-Deposit-Dividend ranks #55 out of 92 funds in the Medium to Long Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.38%; this fund delivered 2.51%.

The worst peak-to-trough decline Kotak Bond-Deposit-Dividend has experienced over the last 5-year window is 14.24% — its NAV fell from a high on 27 May 2013 to a low on 19 Aug 2013. 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 Bond-Deposit-Dividend averaged -0.11% (best 2.51%, worst -3.77%). 49% of rolling windows ended positive. The 5-year Sharpe ratio is -0.63 — negative risk-adjusted performance.

In calendar year 2015, Kotak Bond-Deposit-Dividend returned 1.67% — lagging the Medium to Long Duration Fund category average of 2.41% by 0.75 pp. It ranked #110 of 205 in its category that year.

Kotak Bond-Deposit-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 Bond-Deposit-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: 14.2%. 5-year CAGR: 2.51%.

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