Should I invest in Kotak Floater Short Term-(Monthly Dividend)?

We don't give personal investment advice. Kotak Floater Short 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: 0.13%.

Kotak Mahindra

Kotak Floater Short Term-(Monthly Dividend)

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 20 Jan 2013. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹1,051.2828

As of

17 Jul 2026

5,650 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	+0.05%	+0.03%	+0.03	7 / 53	Q1
1W	+0.08%	+0.06%	+0.02	17 / 53	Q2
2W	+0.08%	+0.04%	+0.04	17 / 52	Q2
1M	-0.48%	+0.22%	-0.70	48 / 52	Q4
3M	-0.46%	+0.54%	-1.00	49 / 51	Q4
6M	-0.04%	+1.14%	-1.17	45 / 51	Q4
YTD	-0.39%	+1.24%	-1.63	50 / 51	Q4
1Y	-0.17%	+2.23%	-2.40	45 / 51	Q4
2Y	0.00%	+2.83%	-2.84	45 / 51	Q4
3Y	-0.02%	+3.13%	-3.14	39 / 43	Q4
4Y	0.00%	+3.13%	-3.14	38 / 43	Q4
5Y	+0.13%	+2.83%	-2.70	25 / 43	Q3
7Y	+0.58%	+2.65%	-2.07	21 / 43	Q2
10Y	+0.47%	+2.74%	-2.26	22 / 42	Q3
Inception	+0.23%	+3.33%	-3.10	28 / 52	Q3

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	-0.39%	+1.23%	-1.62	41 / 42
2025	+0.08%	+3.15%	-3.08	28 / 42
2024	-0.08%	+3.39%	-3.48	39 / 41
2023	0.00%	+3.51%	-3.51	37 / 39
2022	+0.19%	+2.03%	-1.84	24 / 41
2021	+1.80%	+1.44%	+0.36	19 / 41
2020	+2.13%	+2.26%	-0.13	19 / 47
2019	+0.52%	+2.96%	-2.44	22 / 47
2018	+0.14%	+2.57%	-2.43	21 / 43
2017	-0.01%	+2.37%	-2.38	36 / 43
2016	-0.08%	+2.97%	-3.05	42 / 44

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

+0.28%

236 windows

min -0.7% · max 2.8%

61% positive

3-Year rolling

+0.28%

211 windows

min -0.2% · max 1.5%

65% positive

5-Year rolling

+0.32%

187 windows

min -0.1% · max 1.0%

82% positive

7-Year rolling

+0.30%

163 windows

min 0.0% · max 0.7%

93% 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

0.65%

3-year · annualised

Sharpe ratio

-10.06

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.21%

Jul 2026 → Jul 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 Money Market Fund

Scheme	Fund house	NAV	As of
HDFC Cash Management Fund - Savings Plan-Daily Dividend Option	HDFC	₹1,063.6400	17 Jul 2026
NIPPON INDIA MONEY MARKET FUND - QUARTERLY IDCW Option	Nippon India	₹1,018.4166	17 Jul 2026
SBI Magnum Income Fund - F R P - Short Term - (G)	SBI	₹44.0796	17 Jul 2026
ICICI Prudential Money Market Fund Option - IDCW Others	ICICI Prudential	₹186.0517	17 Jul 2026
Invesco India Money Market Fund - Daily IDCW (Reinvestment)	Invesco	₹1,000.2900	17 Jul 2026
Franklin India Money Market Fund - DP - Wkly IDCW R	Franklin India	₹10.0970	17 Jul 2026
Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option	Franklin Templeton	₹11.1485	17 Jul 2026
Kotak Floater Short Term-(Growth)	Kotak Mahindra	₹4,794.5615	17 Jul 2026
DSP BlackRock Treasury Bill Fund - Dividend	DSP BlackRock	₹12.4942	17 Jul 2026
UTI MMF - Instn Growth Plan	UTI	₹3,293.7877	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹1,051.2828
16 Jul 2026	₹1,050.7162
15 Jul 2026	₹1,050.3084
14 Jul 2026	₹1,050.1480
13 Jul 2026	₹1,050.6926
10 Jul 2026	₹1,050.4149
9 Jul 2026	₹1,050.2720
8 Jul 2026	₹1,049.6340
7 Jul 2026	₹1,050.1898
6 Jul 2026	₹1,050.8526

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 Floater Short Term-(Monthly Dividend) is ₹1,051.2828. It's a Money Market Fund from Kotak Mahindra, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Kotak Floater Short Term-(Monthly Dividend) has NAV history starting from 02 Apr 2006, a track record of about 20 years 3 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 Short Term-(Monthly Dividend) is managed by Kotak Mahindra. It's classified by AMFI under the 'Money Market Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Floater Short Term-(Monthly Dividend) has delivered a absolute return of -0.17% — -2.4 pp behind the Money Market Fund category average of 2.23%. The fund ranks #45 of 51 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Kotak Floater Short Term-(Monthly Dividend) has delivered a CAGR of -0.02% — -3.14 pp behind the Money Market Fund category average of 3.13%. The fund ranks #39 of 43 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Kotak Floater Short Term-(Monthly Dividend) has delivered a CAGR of 0.13% — -2.7 pp behind the Money Market Fund category average of 2.83%. The fund ranks #25 of 43 in its category — the third (Q3) quartile.

₹1 lakh invested in Kotak Floater Short Term-(Monthly Dividend) exactly 10 years ago would be worth approximately ₹104,841 today — a multiplier of 1.05×, based on the 10-year CAGR of 0.47%. The category average over the same window would have grown ₹1 lakh to ₹131,015.

A ₹10,000 monthly SIP in Kotak Floater Short Term-(Monthly Dividend) over the last 5 years — total invested ₹600,000 — would be worth ₹599,771 today. That's an XIRR (money-weighted annualised return) of -0.01%.

A ₹10,000 monthly SIP for 10 years in Kotak Floater Short Term-(Monthly Dividend) = ₹1,200,000 invested. It would currently be worth ₹1,224,468 (multiplier 1.02×). XIRR: 0.40%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Floater Short Term-(Monthly Dividend) ranks #25 out of 43 funds in the Money Market Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 2.83%; this fund delivered 0.13%.

The worst peak-to-trough decline Kotak Floater Short Term-(Monthly Dividend) has experienced over the last 5-year window is 1.21% — its NAV fell from a high on 02 Jul 2026 to a low on 08 Jul 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 Short Term-(Monthly Dividend) averaged 0.32% (best 1.03%, worst -0.05%). 82% of rolling windows ended positive. The 5-year Sharpe ratio is -11.76 — negative risk-adjusted performance.

In calendar year 2025, Kotak Floater Short Term-(Monthly Dividend) returned 0.08% — lagging the Money Market Fund category average of 3.15% by 3.08 pp. It ranked #28 of 42 in its category that year.

Kotak Floater Short 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 Short 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: 0.13%.

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