Should I invest in Kotak FMP 12M Series 8 - Retail Dividend?

We don't give personal investment advice. Kotak FMP 12M Series 8 - Retail 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.

Kotak Mahindra

Kotak FMP 12M Series 8 - Retail Dividend

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	-4.92%	-7.11%	+2.19	620 / 732	Q4
1W	-4.87%	-12.64%	+7.77	505 / 699	Q3
2W	-4.29%	-12.71%	+8.42	510 / 712	Q3
1M	-3.75%	-12.43%	+8.68	537 / 754	Q3
3M	-1.92%	-11.47%	+9.55	497 / 740	Q3
6M	-2.26%	-9.57%	+7.30	452 / 680	Q3
YTD	-0.08%	-9.94%	+9.86	382 / 704	Q3
1Y	-0.20%	-7.10%	+6.90	428 / 627	Q3
2Y	—	—	—	—	—
3Y	—	—	—	—	—
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.20%	-6.12%	+5.91	657 / 770	Q4

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	-0.08%	-9.70%	+9.62	326 / 552
2008	—	—	—	—

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.

Recent NAVs

Date	NAV
26 Aug 2009	₹10.0000
25 Aug 2009	₹10.5173
24 Aug 2009	₹10.5166
21 Aug 2009	₹10.5144
20 Aug 2009	₹10.5135
18 Aug 2009	₹10.5118
17 Aug 2009	₹10.5108
14 Aug 2009	₹10.5084
13 Aug 2009	₹10.4986
12 Aug 2009	₹10.4483

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 FMP 12M Series 8 - Retail Dividend is a Income from Kotak Mahindra (Retail 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 FMP 12M Series 8 - Retail Dividend has NAV history starting from 01 Sep 2008, a track record of about 17 years 9 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 FMP 12M Series 8 - Retail 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 FMP 12M Series 8 - Retail Dividend has delivered a absolute return of -0.20% — +6.9 pp ahead of the Income category average of -7.10%. The fund ranks #428 of 627 in its category — the third (Q3) quartile.

Kotak FMP 12M Series 8 - Retail Dividend doesn't have a complete 3-year window yet (we need at least 3 year of NAVs). Check the shorter-window returns above.

Kotak FMP 12M Series 8 - Retail Dividend doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

Kotak FMP 12M Series 8 - Retail Dividend doesn't yet have a 3-year CAGR on file, so a ₹1 lakh growth projection isn't reliable.

A ₹10,000 monthly SIP in Kotak FMP 12M Series 8 - Retail Dividend over the last 1 year — total invested ₹120,000 — would be worth ₹118,072 today. That's an XIRR (money-weighted annualised return) of -2.96%.

Kotak FMP 12M Series 8 - Retail Dividend doesn't yet have 10 years of NAVs. Over the longest available window (1-year SIP), ₹10,000/month would have grown to ₹118,072 — XIRR -2.96%.

Kotak FMP 12M Series 8 - Retail Dividend doesn't yet have a peer rank on file — typically because its category set is too small or it lacks the required NAV history. Compare manually using the returns table above.

Kotak FMP 12M Series 8 - Retail Dividend doesn't have a computed drawdown figure yet.

Consistency stats for Kotak FMP 12M Series 8 - Retail Dividend need at least 3 years of NAVs to compute. They'll populate automatically once the fund has enough history.

We don't yet have a completed calendar-year return for Kotak FMP 12M Series 8 - Retail Dividend.

Kotak FMP 12M Series 8 - Retail 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 FMP 12M Series 8 - Retail 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.

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