Should I invest in Kotak FMP Series 292?

We don't give personal investment advice. Kotak FMP Series 292 - Regular Plan - IDCW Payout 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 292 - Regular Plan - IDCW Payout

Latest NAV

₹13.1230

As of

14 May 2026

1,144 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%	-5.48%	+5.50	84 / 472	Q1
1W	+0.09%	-6.69%	+6.78	96 / 472	Q1
2W	+0.18%	-6.61%	+6.79	89 / 472	Q1
1M	+0.40%	-6.65%	+7.05	69 / 472	Q1
3M	+1.25%	-6.59%	+7.83	81 / 471	Q1
6M	+2.62%	-6.25%	+8.87	57 / 443	Q1
YTD	+1.88%	-6.33%	+8.21	59 / 452	Q1
1Y	+5.69%	-4.07%	+9.76	47 / 439	Q1
2Y	+6.89%	+0.33%	+6.56	73 / 439	Q1
3Y	+6.81%	+1.73%	+5.08	93 / 439	Q1
4Y	+6.96%	+4.16%	+2.80	30 / 64	Q2
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.86%	+1.99%	+3.87	118 / 472	Q1

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	+1.88%	+0.71%	+1.17	32 / 87
2025	+6.91%	+6.36%	+0.55	46 / 88
2024	+7.66%	+6.97%	+0.69	45 / 94
2023	+6.94%	+6.24%	+0.70	38 / 71
2022	+2.28%	-4.59%	+6.87	30 / 133
2021	—	—	—	—

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

+6.31%

46 windows

min 0.8% · max 8.3%

100% positive

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

3-Year rolling

+6.63%

22 windows

min 5.2% · max 7.7%

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

0.52%

3-year · annualised

Sharpe ratio

0.21

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.13%

Oct 2023 → Oct 2023

% positive months

100.0%

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 1 - Regular Plan - Income Distribution cum Capital Withdrawal Plan	Nippon India	₹13.2025	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.1653	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 REGULAR PLAN PERIODIC-IDCW (3652 days)	Bandhan	₹15.0027	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Regular Plan - Payout of IDCW option	Aditya Birla Sun Life	₹13.4359	3 Jun 2026
Kotak Bond-Regular-Annual Dividend	Kotak Mahindra	₹47.6827	3 Jun 2026
Kotak FMP Series 304-Regular Plan-Payout of IDCW	Kotak	₹12.9404	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Regular - IDCW	DSP	₹13.1466	3 Jun 2026
HSBC Income Fund - Investment - Regular - Dividend	HSBC	₹10.5254	3 Jun 2026
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days) - Regular Plan - Payout of IDCW Option	UTI	₹12.1075	3 Jun 2026
Axis Fixed Maturity Plan - Series 129 (108 Days) - Regular Plan - IDCW	Axis	₹10.1904	3 Jun 2026

Recent NAVs

Date	NAV
14 May 2026	₹13.1230
13 May 2026	₹13.1213
12 May 2026	₹13.1196
11 May 2026	₹13.1179
8 May 2026	₹13.1127
7 May 2026	₹13.1110
6 May 2026	₹13.1093
5 May 2026	₹13.1076
4 May 2026	₹13.1058
30 Apr 2026	₹13.0988

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 14 May 2026, the NAV of Kotak FMP Series 292 - Regular Plan - IDCW Payout is ₹13.1230. It's a Medium to Long Duration Fund from Kotak, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Kotak FMP Series 292 - Regular Plan - IDCW Payout has NAV history starting from 20 Aug 2021, a track record of about 4 years 9 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

Kotak FMP Series 292 - Regular Plan - IDCW Payout 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 292 - Regular Plan - IDCW Payout has delivered a absolute return of 5.69% — +9.76 pp ahead of the Medium to Long Duration Fund category average of -4.07%. The fund ranks #47 of 439 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Kotak FMP Series 292 - Regular Plan - IDCW Payout has delivered a CAGR of 6.81% — +5.08 pp ahead of the Medium to Long Duration Fund category average of 1.73%. The fund ranks #93 of 439 in its category — the top (Q1) quartile.

Kotak FMP Series 292 - Regular Plan - IDCW Payout 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 292 - Regular Plan - IDCW Payout exactly 3 years ago would be worth approximately ₹121,865 today — a multiplier of 1.22×, based on the 3-year CAGR of 6.81%. The category average over the same window would have grown ₹1 lakh to ₹105,294.

A ₹10,000 monthly SIP in Kotak FMP Series 292 - Regular Plan - IDCW Payout over the last 3 years — total invested ₹360,000 — would be worth ₹398,106 today. That's an XIRR (money-weighted annualised return) of 6.64%.

Kotak FMP Series 292 - Regular Plan - IDCW Payout doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹398,106 — XIRR 6.64%.

On a 3-year basis, Kotak FMP Series 292 - Regular Plan - IDCW Payout ranks #93 out of 439 funds in the Medium to Long Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 1.73%; this fund delivered 6.81%.

The worst peak-to-trough decline Kotak FMP Series 292 - Regular Plan - IDCW Payout has experienced over the last 3-year window is 0.13% — its NAV fell from a high on 12 Oct 2023 to a low on 18 Oct 2023. 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 292 - Regular Plan - IDCW Payout averaged 6.63% (best 7.68%, worst 5.23%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.21 — weak risk-adjusted performance.

In calendar year 2025, Kotak FMP Series 292 - Regular Plan - IDCW Payout returned 6.91% — beating the Medium to Long Duration Fund category average of 6.36% by 0.55 pp. It ranked #46 of 88 in its category that year.

Kotak FMP Series 292 - Regular Plan - IDCW Payout 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 292 - Regular Plan - IDCW Payout 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.