Should I invest in Kotak Bond-Regular-Quaterly Dividend?

We don't give personal investment advice. Kotak Bond-Regular-Quaterly 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: 11.6%. 5-year CAGR: 2.51%.

Kotak Mahindra

Kotak Bond-Regular-Quaterly Dividend

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	+0.04%	-14.54%	+14.58	30 / 373	Q1
1W	+0.33%	-15.89%	+16.22	36 / 369	Q1
2W	+0.42%	-15.78%	+16.20	35 / 371	Q1
1M	+1.31%	-16.05%	+17.36	25 / 373	Q1
3M	+2.12%	-17.27%	+19.40	45 / 366	Q1
6M	+4.43%	-30.18%	+34.61	60 / 393	Q1
YTD	+2.06%	-32.85%	+34.92	104 / 414	Q2
1Y	+5.10%	-15.79%	+20.89	102 / 309	Q2
2Y	+4.93%	-13.41%	+18.34	41 / 142	Q2
3Y	+7.49%	-6.89%	+14.38	20 / 95	Q1
4Y	+5.08%	+2.81%	+2.26	29 / 84	Q2
5Y	+2.51%	+2.94%	-0.43	31 / 76	Q2
7Y	+2.94%	+2.77%	+0.17	28 / 67	Q2
10Y	+2.26%	+2.81%	-0.55	19 / 38	Q2
Inception	+1.65%	-35.69%	+37.34	119 / 497	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
2021 YTD	+2.06%	+4.64%	-2.58	16 / 19
2020	+11.11%	+1.41%	+9.70	1 / 19
2019	+5.61%	-4.98%	+10.59	3 / 21
2018	+5.13%	+2.69%	+2.45	7 / 23
2017	-5.08%	+2.12%	-7.20	30 / 30
2016	+1.01%	+3.89%	-2.87	26 / 45
2015	-1.37%	+2.84%	-4.22	64 / 66
2014	+9.60%	+4.08%	+5.53	10 / 76
2013	-5.50%	+2.34%	-7.84	75 / 76
2012	+0.38%	+3.72%	-3.34	52 / 78
2011	+1.25%	+3.23%	-1.97	33 / 66

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

+1.55%

177 windows

min -10.8% · max 12.4%

63% positive

3-Year rolling

+1.16%

152 windows

min -2.4% · max 7.5%

66% positive

5-Year rolling

+0.87%

128 windows

min -2.7% · max 3.8%

77% positive

7-Year rolling

+0.88%

104 windows

min -1.5% · max 3.8%

87% positive

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

4.20%

3-year · annualised

Sharpe ratio

0.20

vs risk-free 6.5%

Sortino ratio

0.36

Downside-only deviation

Max drawdown

-4.88%

Dec 2019 → Jan 2020

% positive months

75.0%

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
17 Sep 2021	₹13.2653
16 Sep 2021	₹13.2603
15 Sep 2021	₹13.2564
14 Sep 2021	₹13.2217
13 Sep 2021	₹13.2160
9 Sep 2021	₹13.2214
8 Sep 2021	₹13.2173
7 Sep 2021	₹13.2188
6 Sep 2021	₹13.2173
3 Sep 2021	₹13.2101

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 Bond-Regular-Quaterly Dividend is a Income from Kotak Mahindra (Regular 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 Bond-Regular-Quaterly 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-Regular-Quaterly 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 Bond-Regular-Quaterly Dividend has delivered a absolute return of 5.10% — +20.89 pp ahead of the Income category average of -15.79%. The fund ranks #102 of 309 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Kotak Bond-Regular-Quaterly Dividend has delivered a CAGR of 7.49% — +14.38 pp ahead of the Income category average of -6.89%. The fund ranks #20 of 95 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Kotak Bond-Regular-Quaterly Dividend has delivered a CAGR of 2.51% — -0.43 pp behind the Income category average of 2.94%. The fund ranks #31 of 76 in its category — the second (Q2) quartile.

₹1 lakh invested in Kotak Bond-Regular-Quaterly Dividend exactly 10 years ago would be worth approximately ₹125,018 today — a multiplier of 1.25×, based on the 10-year CAGR of 2.26%. The category average over the same window would have grown ₹1 lakh to ₹131,897.

A ₹10,000 monthly SIP in Kotak Bond-Regular-Quaterly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹690,387 today. That's an XIRR (money-weighted annualised return) of 5.54%.

A ₹10,000 monthly SIP for 10 years in Kotak Bond-Regular-Quaterly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,434,321 (multiplier 1.20×). XIRR: 3.50%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Bond-Regular-Quaterly Dividend ranks #31 out of 76 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 2.94%; this fund delivered 2.51%.

The worst peak-to-trough decline Kotak Bond-Regular-Quaterly Dividend has experienced over the last 5-year window is 11.55% — its NAV fell from a high on 24 Nov 2016 to a low on 22 Feb 2018. 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-Regular-Quaterly Dividend averaged 0.87% (best 3.78%, worst -2.71%). 77% of rolling windows ended positive. The 5-year Sharpe ratio is -0.77 — negative risk-adjusted performance.

In calendar year 2020, Kotak Bond-Regular-Quaterly Dividend returned 11.11% — beating the Income category average of 1.41% by 9.70 pp. It ranked #1 of 19 in its category that year.

Kotak Bond-Regular-Quaterly 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-Regular-Quaterly 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: 11.6%. 5-year CAGR: 2.51%.

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