Should I invest in Kotak FMP Series 257?

We don't give personal investment advice. Kotak FMP Series 257-Direct plan-Growth Option 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

Kotak FMP Series 257-Direct plan-Growth Option

Latest NAV

₹12.9653

As of

30 Jun 2022

838 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	+0.01%	-2.27%	+2.28	309 / 1079	Q2
1W	+0.09%	-2.66%	+2.75	466 / 945	Q2
2W	+0.18%	-2.62%	+2.79	467 / 930	Q3
1M	+0.38%	-2.43%	+2.80	432 / 924	Q2
3M	+1.01%	-1.42%	+2.43	554 / 916	Q3
6M	+2.05%	-0.05%	+2.10	554 / 876	Q3
YTD	+2.02%	-0.27%	+2.29	425 / 880	Q2
1Y	+4.18%	+3.14%	+1.03	645 / 835	Q4
2Y	+5.04%	+4.08%	+0.97	713 / 807	Q4
3Y	+7.20%	+4.43%	+2.77	565 / 800	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+7.76%	+5.01%	+2.76	637 / 1079	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
2022 YTD	+2.02%	-1.01%	+3.04	78 / 220
2021	+4.22%	-0.37%	+4.59	105 / 366
2020	+9.95%	+6.75%	+3.20	117 / 486
2019	+10.66%	+7.15%	+3.50	77 / 524

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

+7.72%

31 windows

min 4.1% · max 11.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+7.70%

6 windows

min 7.2% · max 8.4%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

1.31%

3-year · annualised

Sharpe ratio

0.37

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-3.17%

Jul 2020 → Jul 2020

% positive months

97.2%

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 Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC FMP 1269D March 2023 - Growth Option - Direct Plan	HDFC	₹12.5263	3 Jun 2026
Nippon India Fixed Maturity Plan - XLIII - Series 1- Direct Plan - Growth Option	Nippon India	₹13.3582	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth	SBI	₹17.3852	3 Jun 2026
ICICI Prudential Bond Fund - Direct Plan - Growth	ICICI Prudential	₹43.7788	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN-GROWTH (3652 days)	Bandhan	₹17.7320	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Direct Plan - Growth Option	Aditya Birla Sun Life	₹13.5023	3 Jun 2026
Franklin India Medium to Long Duration Fund - Direct Growth	Franklin India	₹11.0072	3 Jun 2026
Kotak Bond Fund - Growth - Direct	Kotak	₹88.1692	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Direct - Growth	DSP	₹13.2410	3 Jun 2026
HSBC Medium to Long Duration Fund - Direct Growth	HSBC	₹47.7483	3 Jun 2026

Recent NAVs

Date	NAV
30 Jun 2022	₹12.9653
29 Jun 2022	₹12.9636
28 Jun 2022	₹12.9620
27 Jun 2022	₹12.9604
24 Jun 2022	₹12.9554
23 Jun 2022	₹12.9538
22 Jun 2022	₹12.9521
21 Jun 2022	₹12.9505
20 Jun 2022	₹12.9488
17 Jun 2022	₹12.9439

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 30 Jun 2022, the NAV of Kotak FMP Series 257-Direct plan-Growth Option is ₹12.9653. It's a Medium to Long Duration Fund from Kotak, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak FMP Series 257-Direct plan-Growth Option has NAV history starting from 15 Jan 2019, a track record of about 7 years 4 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Kotak FMP Series 257-Direct plan-Growth Option is managed by Kotak. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak FMP Series 257-Direct plan-Growth Option has delivered a absolute return of 4.18% — +1.03 pp ahead of the Medium to Long Duration Fund category average of 3.14%. The fund ranks #645 of 835 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Kotak FMP Series 257-Direct plan-Growth Option has delivered a CAGR of 7.20% — +2.77 pp ahead of the Medium to Long Duration Fund category average of 4.43%. The fund ranks #565 of 800 in its category — the third (Q3) quartile.

Kotak FMP Series 257-Direct plan-Growth Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Kotak FMP Series 257-Direct plan-Growth Option exactly 3 years ago would be worth approximately ₹123,194 today — a multiplier of 1.23×, based on the 3-year CAGR of 7.20%. The category average over the same window would have grown ₹1 lakh to ₹113,886.

A ₹10,000 monthly SIP in Kotak FMP Series 257-Direct plan-Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹391,973 today. That's an XIRR (money-weighted annualised return) of 5.60%.

Kotak FMP Series 257-Direct plan-Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹391,973 — XIRR 5.60%.

On a 3-year basis, Kotak FMP Series 257-Direct plan-Growth Option ranks #565 out of 800 funds in the Medium to Long Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 4.43%; this fund delivered 7.20%.

The worst peak-to-trough decline Kotak FMP Series 257-Direct plan-Growth Option has experienced over the last 3-year window is 3.17% — its NAV fell from a high on 01 Jul 2020 to a low on 02 Jul 2020. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, Kotak FMP Series 257-Direct plan-Growth Option averaged 7.70% (best 8.36%, worst 7.20%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.37 — weak risk-adjusted performance.

In calendar year 2021, Kotak FMP Series 257-Direct plan-Growth Option returned 4.22% — beating the Medium to Long Duration Fund category average of -0.37% by 4.59 pp. It ranked #105 of 366 in its category that year.

Kotak FMP Series 257-Direct plan-Growth Option 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 Series 257-Direct plan-Growth Option 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.