Should I invest in kotak FMP Series 261?

We don't give personal investment advice. kotak FMP Series 261-Regular 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 261-Regular Plan-Growth Option

Latest NAV

₹12.8711

As of

26 Jul 2022

834 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%	-0.06%	+0.07	80 / 268	Q2
1W	+0.09%	-0.01%	+0.10	102 / 267	Q2
2W	+0.18%	+0.08%	+0.09	124 / 267	Q2
1M	+0.37%	+0.31%	+0.07	136 / 267	Q3
3M	+1.04%	+1.23%	-0.19	150 / 267	Q3
6M	+2.00%	+2.66%	-0.66	156 / 240	Q3
YTD	+2.28%	+2.32%	-0.04	98 / 249	Q2
1Y	+3.89%	+5.93%	-2.04	203 / 236	Q4
2Y	+4.57%	+6.76%	-2.20	218 / 236	Q4
3Y	+6.73%	+6.97%	-0.23	182 / 236	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+7.43%	+6.37%	+1.06	101 / 268	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
2022 YTD	+2.28%	+2.01%	+0.27	22 / 71
2021	+4.01%	+3.46%	+0.55	50 / 120
2020	+9.75%	+7.10%	+2.65	31 / 158
2019	—	—	—	—

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

+7.09%

30 windows

min 1.9% · max 11.3%

100% positive

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

3-Year rolling

+7.30%

6 windows

min 6.7% · max 7.9%

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

2.02%

3-year · annualised

Sharpe ratio

0.03

vs risk-free 6.5%

Sortino ratio

0.07

Downside-only deviation

Max drawdown

-3.32%

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
Nippon India Fixed Maturity Plan-XLIII-Series 5- Regular Plan-Growth Option	Nippon India	₹13.3689	17 Jul 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Growth	SBI	₹17.4778	17 Jul 2026
BANDHAN Fixed Term Plan Series 179 REGULAR PLAN-GROWTH (3652 days)	Bandhan	₹17.7557	17 Jul 2026
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 days) - Regular Plan - Growth Option	Aditya Birla Sun Life	₹13.5537	17 Jul 2026
Kotak FMP Series 304-Regular Plan-Growth Option	Kotak	₹13.2821	17 Jul 2026
DSP FMP Series - 264 - 60M - 17D - Regular Plan - Growth	DSP	₹13.2422	17 Jul 2026
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days) - Regular Plan - Growth Option	UTI	₹12.7817	17 Jul 2026
Axis Fixed Term Plan - Series 113 (1228 Days) - Regular Plan - Growth	Axis	₹12.5758	17 Jul 2026
TRUSTMF FIXED MATURITY PLAN -SERIES II (1196 DAYS)-REGULAR PLAN -GROWTH		₹1,294.2584	9 Jul 2026

Recent NAVs

Date	NAV
26 Jul 2022	₹12.8711
25 Jul 2022	₹12.8693
22 Jul 2022	₹12.8642
21 Jul 2022	₹12.8625
20 Jul 2022	₹12.8608
19 Jul 2022	₹12.8593
18 Jul 2022	₹12.8577
15 Jul 2022	₹12.8529
14 Jul 2022	₹12.8513
13 Jul 2022	₹12.8498

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 26 Jul 2022, the NAV of kotak FMP Series 261-Regular Plan-Growth Option is ₹12.8711. It's a Medium to Long Duration Fund from Kotak, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

kotak FMP Series 261-Regular Plan-Growth Option has NAV history starting from 14 Feb 2019, a track record of about 7 years 5 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 261-Regular 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 261-Regular Plan-Growth Option has delivered a absolute return of 3.89% — -2.04 pp behind the Medium to Long Duration Fund category average of 5.93%. The fund ranks #203 of 236 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, kotak FMP Series 261-Regular Plan-Growth Option has delivered a CAGR of 6.73% — -0.23 pp behind the Medium to Long Duration Fund category average of 6.97%. The fund ranks #182 of 236 in its category — the bottom (Q4) quartile.

kotak FMP Series 261-Regular 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 261-Regular Plan-Growth Option exactly 3 years ago would be worth approximately ₹121,592 today — a multiplier of 1.22×, based on the 3-year CAGR of 6.73%. The category average over the same window would have grown ₹1 lakh to ₹122,385.

A ₹10,000 monthly SIP in kotak FMP Series 261-Regular Plan-Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹390,221 today. That's an XIRR (money-weighted annualised return) of 5.30%.

kotak FMP Series 261-Regular 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 ₹390,221 — XIRR 5.30%.

On a 3-year basis, kotak FMP Series 261-Regular Plan-Growth Option ranks #182 out of 236 funds in the Medium to Long Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.97%; this fund delivered 6.73%.

The worst peak-to-trough decline kotak FMP Series 261-Regular Plan-Growth Option has experienced over the last 3-year window is 3.32% — 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 261-Regular Plan-Growth Option averaged 7.30% (best 7.92%, worst 6.73%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.03 — weak risk-adjusted performance.

In calendar year 2021, kotak FMP Series 261-Regular Plan-Growth Option returned 4.01% — beating the Medium to Long Duration Fund category average of 3.46% by 0.55 pp. It ranked #50 of 120 in its category that year.

kotak FMP Series 261-Regular 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 261-Regular 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.