Should I invest in Kotak Floater Long-Term-Monthly Dividend?

We don't give personal investment advice. Kotak Floater Long-Term-Monthly 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: 1.2%. 5-year CAGR: -0.02%.

Kotak Mahindra

Kotak Floater Long-Term-Monthly Dividend

Latest NAV

₹10.7257

As of

3 Jun 2026

4,869 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	23 / 41	Q3
1W	+0.18%	+0.13%	+0.05	16 / 41	Q2
2W	+0.06%	+0.13%	-0.06	24 / 40	Q3
1M	-0.21%	+0.20%	-0.41	40 / 40	Q4
3M	-0.18%	+0.76%	-0.94	39 / 41	Q4
6M	-0.22%	+1.24%	-1.46	39 / 41	Q4
YTD	-0.24%	+1.17%	-1.41	39 / 41	Q4
1Y	-0.39%	-6.85%	+6.47	38 / 45	Q4
2Y	-0.16%	-7.29%	+7.13	38 / 43	Q4
3Y	-0.11%	+1.84%	-1.95	34 / 36	Q4
4Y	-0.05%	+1.91%	-1.96	30 / 31	Q4
5Y	-0.02%	+1.84%	-1.86	28 / 30	Q4
7Y	+0.35%	+1.81%	-1.46	12 / 30	Q2
10Y	+0.56%	+2.19%	-1.64	10 / 20	Q2
Inception	+0.33%	-7.05%	+7.38	20 / 45	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	-0.24%	+0.64%	-0.87	26 / 28
2025	-0.05%	+2.08%	-2.13	26 / 28
2024	-0.06%	+2.04%	-2.11	25 / 29
2023	-0.01%	+2.06%	-2.06	25 / 29
2022	+0.21%	+1.21%	-1.00	15 / 31
2021	+0.38%	-10.85%	+11.23	10 / 34
2020	+2.47%	-0.52%	+2.99	11 / 35
2019	+0.20%	+1.34%	-1.15	21 / 35
2018	+1.59%	+2.74%	-1.15	11 / 27
2017	+0.41%	+2.51%	-2.11	11 / 26
2016	+0.65%	+3.00%	-2.35	7 / 18

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

+0.36%

234 windows

min -1.0% · max 3.0%

73% positive

3-Year rolling

+0.39%

210 windows

min -0.2% · max 1.6%

93% positive

5-Year rolling

+0.43%

185 windows

min -0.1% · max 1.2%

97% positive

7-Year rolling

+0.45%

161 windows

min 0.0% · max 0.9%

99% 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

0.46%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.15%

Apr 2025 → May 2026

% positive months

47.2%

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 Ultra Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Ultra Short Term Fund - Daily IDCW Option	HDFC	₹10.1030	3 Jun 2026
NIPPON INDIA ULTRA SHORT DURATION FUND - DAILY IDCW OPTION	Nippon India	₹1,114.1500	3 Jun 2026
MAGNUM INSTA CASH FUND - DAILY DIVIDEND	SBI	₹2,371.0627	3 Jun 2026
ICICI Prudential Ultra Short Term Fund - Daily IDCW	ICICI Prudential	₹10.0696	3 Jun 2026
Franklin India Ultra Short Duration Fund - IDCW	Franklin India	₹10.6803	3 Jun 2026
Kotak Floater Long-Term-Growth	Kotak Mahindra	₹45.1033	3 Jun 2026
UTI - FLOATING RATE STP - INSTN GROWTH OPTION	UTI	₹3,193.4301	3 Jun 2026
PGIM India Ultra Short Duration Fund - Daily Dividend	PGIM India	₹10.0203	3 Jun 2026
Birla Sun Life Savings Fund - Discipline Advantage Plan	Birla Sun Life	₹330.9646	3 Jun 2026
Sundaram Ultra Short Duration Fund (Formerly Known as Principal Ultra Short Term Fund) - Income Distribution CUM Capital Withdrawal Option (IDCW)	Sundaram	₹1,066.5205	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.7257
2 Jun 2026	₹10.7226
1 Jun 2026	₹10.7204
29 May 2026	₹10.7105
27 May 2026	₹10.7036
26 May 2026	₹10.7035
25 May 2026	₹10.7045
22 May 2026	₹10.7037
21 May 2026	₹10.7045
20 May 2026	₹10.7106

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 03 Jun 2026, the NAV of Kotak Floater Long-Term-Monthly Dividend is ₹10.7257. It's a Ultra Short Duration Fund from Kotak Mahindra, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Kotak Floater Long-Term-Monthly 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 Floater Long-Term-Monthly Dividend is managed by Kotak Mahindra. It's classified by AMFI under the 'Ultra Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Floater Long-Term-Monthly Dividend has delivered a absolute return of -0.39% — +6.47 pp ahead of the Ultra Short Duration Fund category average of -6.85%. The fund ranks #38 of 45 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Kotak Floater Long-Term-Monthly Dividend has delivered a CAGR of -0.11% — -1.95 pp behind the Ultra Short Duration Fund category average of 1.84%. The fund ranks #34 of 36 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Kotak Floater Long-Term-Monthly Dividend has delivered a CAGR of -0.02% — -1.86 pp behind the Ultra Short Duration Fund category average of 1.84%. The fund ranks #28 of 30 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Kotak Floater Long-Term-Monthly Dividend exactly 10 years ago would be worth approximately ₹105,691 today — a multiplier of 1.06×, based on the 10-year CAGR of 0.56%. The category average over the same window would have grown ₹1 lakh to ₹124,194.

A ₹10,000 monthly SIP in Kotak Floater Long-Term-Monthly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹598,658 today. That's an XIRR (money-weighted annualised return) of -0.09%.

A ₹10,000 monthly SIP for 10 years in Kotak Floater Long-Term-Monthly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,219,852 (multiplier 1.02×). XIRR: 0.33%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Floater Long-Term-Monthly Dividend ranks #28 out of 30 funds in the Ultra Short Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 1.84%; this fund delivered -0.02%.

The worst peak-to-trough decline Kotak Floater Long-Term-Monthly Dividend has experienced over the last 5-year window is 1.15% — its NAV fell from a high on 15 Apr 2025 to a low on 26 May 2026. 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 Floater Long-Term-Monthly Dividend averaged 0.43% (best 1.17%, worst -0.15%). 97% of rolling windows ended positive.

In calendar year 2025, Kotak Floater Long-Term-Monthly Dividend returned -0.05% — lagging the Ultra Short Duration Fund category average of 2.08% by 2.13 pp. It ranked #26 of 28 in its category that year.

Kotak Floater Long-Term-Monthly 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 Floater Long-Term-Monthly 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: 1.2%. 5-year CAGR: -0.02%.

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