Should I invest in Kotak Flexi-Debt?

We don't give personal investment advice. Kotak Flexi-Debt - Regular Plan - 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: 4.6%. 5-year CAGR: 0.60%.

Kotak Mahindra

Kotak Flexi-Debt - Regular Plan - 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	-0.01%	-14.54%	+14.53	200 / 373	Q3
1W	+0.17%	-15.89%	+16.06	48 / 369	Q1
2W	+0.15%	-15.78%	+15.93	91 / 371	Q1
1M	+1.61%	-16.05%	+17.66	19 / 373	Q1
3M	-0.53%	-17.27%	+16.74	221 / 366	Q3
6M	-1.92%	-30.18%	+28.26	232 / 393	Q3
YTD	+1.35%	-32.85%	+34.20	120 / 414	Q2
1Y	+0.89%	-15.79%	+16.68	131 / 309	Q2
2Y	+0.41%	-13.41%	+13.82	80 / 142	Q3
3Y	+0.35%	-6.89%	+7.24	64 / 95	Q3
4Y	+0.58%	+2.81%	-2.23	61 / 84	Q3
5Y	+0.60%	+2.94%	-2.33	54 / 76	Q3
7Y	+0.63%	+2.77%	-2.14	42 / 67	Q3
10Y	+0.58%	+2.81%	-2.23	29 / 38	Q4
Inception	+0.62%	-35.69%	+36.32	139 / 497	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
2016 YTD	+1.35%	+3.89%	-2.54	21 / 45
2015	-0.06%	+2.84%	-2.91	56 / 66
2014	+0.18%	+4.08%	-3.90	50 / 76
2013	+0.89%	+2.34%	-1.45	33 / 76
2012	+0.62%	+3.72%	-3.10	47 / 78
2011	+0.70%	+3.23%	-2.53	40 / 66
2010	+0.45%	-11.73%	+12.18	54 / 132
2009	+0.24%	-33.69%	+33.93	112 / 316
2008	+0.59%	-14.40%	+14.99	61 / 119
2007	+0.59%	+5.47%	-4.88	18 / 21
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

+0.59%

117 windows

min -3.3% · max 3.8%

84% positive

3-Year rolling

+0.56%

93 windows

min -0.6% · max 1.5%

96% positive

5-Year rolling

+0.60%

68 windows

min 0.2% · max 1.0%

100% positive

7-Year rolling

+0.57%

44 windows

min 0.3% · max 0.9%

100% 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

4.71%

3-year · annualised

Sharpe ratio

-1.28

vs risk-free 6.5%

Sortino ratio

-1.61

Downside-only deviation

Max drawdown

-4.59%

Sep 2016 → Sep 2016

% 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
21 Oct 2016	₹10.7268
20 Oct 2016	₹10.7279
19 Oct 2016	₹10.7294
18 Oct 2016	₹10.7284
17 Oct 2016	₹10.7135
14 Oct 2016	₹10.7090
13 Oct 2016	₹10.7203
10 Oct 2016	₹10.7264
7 Oct 2016	₹10.7112
6 Oct 2016	₹10.7301

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 Flexi-Debt - Regular Plan - 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 Flexi-Debt - Regular Plan - Dividend has NAV history starting from 03 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 Flexi-Debt - Regular Plan - 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 Flexi-Debt - Regular Plan - Dividend has delivered a absolute return of 0.89% — +16.68 pp ahead of the Income category average of -15.79%. The fund ranks #131 of 309 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Kotak Flexi-Debt - Regular Plan - Dividend has delivered a CAGR of 0.35% — +7.24 pp ahead of the Income category average of -6.89%. The fund ranks #64 of 95 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Kotak Flexi-Debt - Regular Plan - Dividend has delivered a CAGR of 0.60% — -2.33 pp behind the Income category average of 2.94%. The fund ranks #54 of 76 in its category — the third (Q3) quartile.

₹1 lakh invested in Kotak Flexi-Debt - Regular Plan - Dividend exactly 10 years ago would be worth approximately ₹105,904 today — a multiplier of 1.06×, based on the 10-year CAGR of 0.58%. The category average over the same window would have grown ₹1 lakh to ₹131,897.

A ₹10,000 monthly SIP in Kotak Flexi-Debt - Regular Plan - Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹607,244 today. That's an XIRR (money-weighted annualised return) of 0.47%.

A ₹10,000 monthly SIP for 10 years in Kotak Flexi-Debt - Regular Plan - Dividend = ₹1,200,000 invested. It would currently be worth ₹1,232,802 (multiplier 1.03×). XIRR: 0.53%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Flexi-Debt - Regular Plan - Dividend ranks #54 out of 76 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 2.94%; this fund delivered 0.60%.

The worst peak-to-trough decline Kotak Flexi-Debt - Regular Plan - Dividend has experienced over the last 5-year window is 4.59% — its NAV fell from a high on 19 Sep 2016 to a low on 21 Sep 2016. 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 Flexi-Debt - Regular Plan - Dividend averaged 0.60% (best 1.04%, worst 0.25%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.38 — negative risk-adjusted performance.

In calendar year 2015, Kotak Flexi-Debt - Regular Plan - Dividend returned -0.06% — lagging the Income category average of 2.84% by 2.91 pp. It ranked #56 of 66 in its category that year.

Kotak Flexi-Debt - Regular Plan - 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 Flexi-Debt - Regular Plan - 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: 4.6%. 5-year CAGR: 0.60%.

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