Should I invest in Kotak Bond Short Term Plan - Normal Dividend?

We don't give personal investment advice. Kotak Bond Short Term Plan - Regular Plan - Normal 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

Kotak Bond Short Term Plan - Regular Plan - Normal Dividend

Latest NAV

₹12.2090

As of

17 Jul 2026

1,168 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	+0.02%	+0.01%	+0.01	18 / 49	Q2
1W	0.00%	-0.02%	+0.02	16 / 49	Q2
2W	-0.09%	-0.07%	-0.01	28 / 49	Q3
1M	+0.71%	+0.14%	+0.57	4 / 49	Q1
3M	+1.57%	+0.97%	+0.60	22 / 49	Q2
6M	-3.56%	+1.27%	-4.83	48 / 49	Q4
YTD	-3.77%	+1.12%	-4.90	48 / 49	Q4
1Y	-1.88%	+2.14%	-4.01	45 / 49	Q4
2Y	+3.39%	+3.26%	+0.12	21 / 48	Q2
3Y	+4.50%	+3.35%	+1.15	20 / 46	Q2
4Y	+4.97%	+3.62%	+1.35	16 / 37	Q2
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+4.21%	+2.91%	+1.30	16 / 49	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
2026 YTD	-3.77%	+0.76%	-4.54	40 / 41
2025	+7.28%	+3.43%	+3.85	9 / 44
2024	+7.70%	+3.72%	+3.98	12 / 46
2023	+6.45%	+3.07%	+3.37	8 / 44
2022	+3.00%	+2.80%	+0.21	7 / 40
2021	—	—	—	—

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

+5.63%

47 windows

min -3.0% · max 9.4%

89% positive

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

3-Year rolling

+6.13%

23 windows

min 4.1% · max 7.4%

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

4.04%

3-year · annualised

Sharpe ratio

-0.49

vs risk-free 6.5%

Sortino ratio

-0.56

Downside-only deviation

Max drawdown

-6.66%

Mar 2026 → Mar 2026

% positive months

94.4%

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 Short Duration Fund

Scheme	Fund house	NAV	As of
Invesco India Short Duration Fund - Regular Plan - Daily IDCW (Reinvestment)	Invesco	₹1,034.9007	17 Jul 2026
Bandhan Short Duration Fund - Regular Plan - Annual IDCW	Bandhan	₹10.8583	17 Jul 2026
Aditya Birla Sun Life Short Term Fund - REGULAR - Quarterly IDCW	Aditya Birla Sun Life	₹10.4222	17 Jul 2026
Mirae Asset Short Duration Fund - Regular Plan - IDCW	Mirae Asset	₹16.5630	17 Jul 2026
HSBC Short Duration Fund - Regular Plan - Monthly IDCW	HSBC	₹11.0829	17 Jul 2026
Baroda BNP Paribas Short Duration Fund - Regular Plan - Monthly IDCW Option	Baroda BNP Paribas	₹10.1848	17 Jul 2026
CANARA ROBECO SHORT DURATION FUND - REGULAR PLAN - MONTHLY IDCW (Payout/Reinvestment)	Canara Robeco	₹15.8038	17 Jul 2026
UTI Short Duration Fund - Regular Plan - Annual IDCW	UTI	₹14.8347	17 Jul 2026
Axis Short Duration Fund - Regular Plan - Monthly IDCW	Axis	₹10.0936	17 Jul 2026
Bharti AXA Short Term Income Fund-Regular Plan- Growth	Bharti AXA	₹28.2225	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹12.2090
16 Jul 2026	₹12.2068
15 Jul 2026	₹12.1994
14 Jul 2026	₹12.1930
13 Jul 2026	₹12.2111
10 Jul 2026	₹12.2091
9 Jul 2026	₹12.1996
8 Jul 2026	₹12.1960
7 Jul 2026	₹12.2192
6 Jul 2026	₹12.2233

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 17 Jul 2026, the NAV of Kotak Bond Short Term Plan - Regular Plan - Normal Dividend is ₹12.2090. It's a Short Duration Fund from Kotak, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Kotak Bond Short Term Plan - Regular Plan - Normal Dividend has NAV history starting from 20 Sep 2021, a track record of about 4 years 9 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

Kotak Bond Short Term Plan - Regular Plan - Normal Dividend is managed by Kotak. It's classified by AMFI under the 'Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Bond Short Term Plan - Regular Plan - Normal Dividend has delivered a absolute return of -1.88% — -4.01 pp behind the Short Duration Fund category average of 2.14%. The fund ranks #45 of 49 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Kotak Bond Short Term Plan - Regular Plan - Normal Dividend has delivered a CAGR of 4.50% — +1.15 pp ahead of the Short Duration Fund category average of 3.35%. The fund ranks #20 of 46 in its category — the second (Q2) quartile.

Kotak Bond Short Term Plan - Regular Plan - Normal 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 Bond Short Term Plan - Regular Plan - Normal Dividend exactly 3 years ago would be worth approximately ₹114,132 today — a multiplier of 1.14×, based on the 3-year CAGR of 4.50%. The category average over the same window would have grown ₹1 lakh to ₹110,402.

A ₹10,000 monthly SIP in Kotak Bond Short Term Plan - Regular Plan - Normal Dividend over the last 3 years — total invested ₹360,000 — would be worth ₹375,032 today. That's an XIRR (money-weighted annualised return) of 2.67%.

Kotak Bond Short Term Plan - Regular Plan - Normal Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹375,032 — XIRR 2.67%.

On a 3-year basis, Kotak Bond Short Term Plan - Regular Plan - Normal Dividend ranks #20 out of 46 funds in the Short Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.35%; this fund delivered 4.50%.

The worst peak-to-trough decline Kotak Bond Short Term Plan - Regular Plan - Normal Dividend has experienced over the last 3-year window is 6.66% — its NAV fell from a high on 02 Mar 2026 to a low on 27 Mar 2026. 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 Bond Short Term Plan - Regular Plan - Normal Dividend averaged 6.13% (best 7.43%, worst 4.14%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.49 — negative risk-adjusted performance.

In calendar year 2025, Kotak Bond Short Term Plan - Regular Plan - Normal Dividend returned 7.28% — beating the Short Duration Fund category average of 3.43% by 3.85 pp. It ranked #9 of 44 in its category that year.

Kotak Bond Short Term Plan - Regular Plan - Normal 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 Short Term Plan - Regular Plan - Normal 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.