Should I invest in Kotak Flexi Debt- Weekly Dividend?

We don't give personal investment advice. Kotak Flexi Debt - Regular Plan- Weekly 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: 2.5%. 5-year CAGR: -0.03%.

Kotak Mahindra

Kotak Flexi Debt - Regular Plan- Weekly 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	199 / 373	Q3
1W	+0.17%	-15.89%	+16.06	46 / 369	Q1
2W	-0.43%	-15.78%	+15.36	170 / 371	Q2
1M	-0.02%	-16.05%	+16.03	143 / 373	Q2
3M	-0.51%	-17.27%	+16.76	219 / 366	Q3
6M	+0.02%	-30.18%	+30.20	161 / 393	Q2
YTD	-0.30%	-32.85%	+32.55	185 / 414	Q2
1Y	+0.03%	-15.79%	+15.82	163 / 309	Q3
2Y	-0.02%	-13.41%	+13.38	95 / 142	Q3
3Y	-0.01%	-6.89%	+6.88	71 / 95	Q3
4Y	-0.04%	+2.81%	-2.85	74 / 84	Q4
5Y	-0.03%	+2.94%	-2.97	70 / 76	Q4
7Y	0.00%	+2.77%	-2.77	60 / 67	Q4
10Y	—	—	—	—	—
Inception	+0.04%	-35.69%	+35.73	164 / 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	-0.30%	+3.89%	-4.19	42 / 45
2015	-0.13%	+2.84%	-2.98	57 / 66
2014	+0.10%	+4.08%	-3.98	52 / 76
2013	+0.00%	+2.34%	-2.34	48 / 76
2012	+0.02%	+3.72%	-3.70	61 / 78
2011	+0.02%	+3.23%	-3.21	54 / 66
2010	+0.04%	-11.73%	+11.77	71 / 132
2009	-0.05%	-33.69%	+33.64	126 / 316
2008	—	—	—	—

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

+0.01%

92 windows

min -0.9% · max 0.7%

60% positive

3-Year rolling

+0.00%

67 windows

min -0.4% · max 0.5%

54% positive

5-Year rolling

0.00%

43 windows

min -0.2% · max 0.1%

51% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

-0.02%

19 windows

min -0.1% · max 0.1%

37% 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

1.34%

3-year · annualised

Sharpe ratio

-4.87

vs risk-free 6.5%

Sortino ratio

-7.90

Downside-only deviation

Max drawdown

-2.51%

Oct 2015 → Feb 2016

% positive months

41.7%

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	₹10.0350
20 Oct 2016	₹10.0360
19 Oct 2016	₹10.0374
18 Oct 2016	₹10.0365
17 Oct 2016	₹10.0226
14 Oct 2016	₹10.0183
13 Oct 2016	₹10.0289
10 Oct 2016	₹10.0924
7 Oct 2016	₹10.0782
6 Oct 2016	₹10.0960

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- Weekly 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- Weekly Dividend has NAV history starting from 06 May 2008, a track record of about 18 years 1 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- Weekly 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- Weekly Dividend has delivered a absolute return of 0.03% — +15.82 pp ahead of the Income category average of -15.79%. The fund ranks #163 of 309 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Kotak Flexi Debt - Regular Plan- Weekly Dividend has delivered a CAGR of -0.01% — +6.88 pp ahead of the Income category average of -6.89%. The fund ranks #71 of 95 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Kotak Flexi Debt - Regular Plan- Weekly Dividend has delivered a CAGR of -0.03% — -2.97 pp behind the Income category average of 2.94%. The fund ranks #70 of 76 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Kotak Flexi Debt - Regular Plan- Weekly Dividend exactly 5 years ago would be worth approximately ₹99,844 today — a multiplier of 1.00×, based on the 5-year CAGR of -0.03%. The category average over the same window would have grown ₹1 lakh to ₹115,573.

A ₹10,000 monthly SIP in Kotak Flexi Debt - Regular Plan- Weekly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹599,635 today. That's an XIRR (money-weighted annualised return) of -0.02%.

Kotak Flexi Debt - Regular Plan- Weekly Dividend doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹839,499 — XIRR -0.02%.

On a 5-year basis, Kotak Flexi Debt - Regular Plan- Weekly Dividend ranks #70 out of 76 funds in the Income category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.94%; this fund delivered -0.03%.

The worst peak-to-trough decline Kotak Flexi Debt - Regular Plan- Weekly Dividend has experienced over the last 5-year window is 2.51% — its NAV fell from a high on 05 Oct 2015 to a low on 25 Feb 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- Weekly Dividend averaged -0.00% (best 0.08%, worst -0.21%). 51% of rolling windows ended positive. The 5-year Sharpe ratio is -5.78 — negative risk-adjusted performance.

In calendar year 2015, Kotak Flexi Debt - Regular Plan- Weekly Dividend returned -0.13% — lagging the Income category average of 2.84% by 2.98 pp. It ranked #57 of 66 in its category that year.

Kotak Flexi Debt - Regular Plan- Weekly 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- Weekly 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: 2.5%. 5-year CAGR: -0.03%.

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