Should I invest in Kotak Dynamic Asset Allocation Scheme?

We don't give personal investment advice. Kotak Dynamic Asset Allocation Scheme - Growth is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding.

Kotak Mahindra

Kotak Dynamic Asset Allocation Scheme - Growth

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%	+0.06%	-0.06	20 / 37	Q3
1W	+2.71%	-7.52%	+10.23	5 / 40	Q1
2W	+2.23%	-7.64%	+9.87	6 / 40	Q1
1M	+2.38%	-7.66%	+10.04	6 / 40	Q1
3M	+3.56%	-9.18%	+12.74	4 / 40	Q1
6M	+25.07%	-5.67%	+30.74	1 / 39	Q1
YTD	+82.59%	-3.70%	+86.29	1 / 40	Q1
1Y	+90.12%	-4.99%	+95.11	1 / 41	Q1
2Y	-11.69%	-11.97%	+0.27	32 / 40	Q4
3Y	+11.62%	-14.60%	+26.22	5 / 38	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+11.61%	-12.19%	+23.80	4 / 44	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	+82.59%	+37.12%	+45.46	1 / 31
2008	-58.50%	-26.22%	-32.28	29 / 29
2007	+77.00%	+32.50%	+44.50	1 / 12
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

+7.58%

25 windows

min -59.4% · max 97.8%

60% positive

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

3-Year rolling

+11.62%

1 window

min 11.6% · max 11.6%

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

42.24%

3-year · annualised

Sharpe ratio

0.33

vs risk-free 6.5%

Sortino ratio

0.49

Downside-only deviation

Max drawdown

-66.40%

Jan 2008 → Oct 2008

% positive months

61.1%

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
29 Dec 2009	₹13.9837
24 Dec 2009	₹13.9699
23 Dec 2009	₹13.9213
22 Dec 2009	₹13.6141
21 Dec 2009	₹13.5374
18 Dec 2009	₹13.6025
17 Dec 2009	₹13.6925
16 Dec 2009	₹13.6980
15 Dec 2009	₹13.6788
14 Dec 2009	₹13.8152

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 Dynamic Asset Allocation Scheme - Growth is a Balanced 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 Dynamic Asset Allocation Scheme - Growth has NAV history starting from 29 Dec 2006, a track record of about 19 years 5 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 Dynamic Asset Allocation Scheme - Growth is managed by Kotak Mahindra. It's classified by AMFI under the 'Balanced' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Dynamic Asset Allocation Scheme - Growth has delivered a absolute return of 90.12% — +95.11 pp ahead of the Balanced category average of -4.99%. The fund ranks #1 of 41 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Kotak Dynamic Asset Allocation Scheme - Growth has delivered a CAGR of 11.62% — +26.22 pp ahead of the Balanced category average of -14.60%. The fund ranks #5 of 38 in its category — the top (Q1) quartile.

Kotak Dynamic Asset Allocation Scheme - Growth 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 Dynamic Asset Allocation Scheme - Growth exactly 3 years ago would be worth approximately ₹139,083 today — a multiplier of 1.39×, based on the 3-year CAGR of 11.62%. The category average over the same window would have grown ₹1 lakh to ₹62,293.

A ₹10,000 monthly SIP in Kotak Dynamic Asset Allocation Scheme - Growth over the last 3 years — total invested ₹360,000 — would be worth ₹468,911 today. That's an XIRR (money-weighted annualised return) of 17.90%.

Kotak Dynamic Asset Allocation Scheme - Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹468,911 — XIRR 17.90%.

On a 3-year basis, Kotak Dynamic Asset Allocation Scheme - Growth ranks #5 out of 38 funds in the Balanced category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -14.60%; this fund delivered 11.62%.

The worst peak-to-trough decline Kotak Dynamic Asset Allocation Scheme - Growth has experienced over the last 3-year window is 66.40% — its NAV fell from a high on 07 Jan 2008 to a low on 27 Oct 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 Dynamic Asset Allocation Scheme - Growth averaged 11.62% (best 11.62%, worst 11.62%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.33 — weak risk-adjusted performance.

In calendar year 2008, Kotak Dynamic Asset Allocation Scheme - Growth returned -58.50% — lagging the Balanced category average of -26.22% by 32.28 pp. It ranked #29 of 29 in its category that year.

Kotak Dynamic Asset Allocation Scheme - Growth is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. Kotak Dynamic Asset Allocation Scheme - Growth is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

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.