Should I invest in Kotak Hybrid Fixed Term Plan Series 2?

We don't give personal investment advice. Kotak Hybrid Fixed Term Plan Series 2 - Regular Plan - 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

Kotak Hybrid Fixed Term Plan Series 2 - Regular Plan - Dividend

Latest NAV

₹12.5626

As of

30 Jan 2017

717 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	+0.00%	-5.48%	+5.48	157 / 472	Q2
1W	+0.51%	-6.69%	+7.19	1 / 472	Q1
2W	+0.48%	-6.61%	+7.09	4 / 472	Q1
1M	+1.32%	-6.65%	+7.97	2 / 472	Q1
3M	+0.77%	-6.59%	+7.36	135 / 471	Q2
6M	+2.37%	-6.25%	+8.63	79 / 443	Q1
YTD	+1.22%	-6.33%	+7.56	111 / 452	Q1
1Y	+8.19%	-4.07%	+12.26	6 / 439	Q1
2Y	+4.90%	+0.33%	+4.58	114 / 439	Q2
3Y	+8.17%	+1.73%	+6.43	10 / 439	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.13%	+1.99%	+6.15	12 / 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
2017 YTD	+1.22%	+5.18%	-3.96	54 / 71
2016	+5.72%	+8.01%	-2.30	28 / 35
2015	+4.50%	+1.57%	+2.94	2 / 5
2014	—	—	—	—

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

+6.65%

25 windows

min 1.4% · max 13.7%

100% positive

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

3-Year rolling

+8.17%

1 window

min 8.2% · max 8.2%

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

2.79%

3-year · annualised

Sharpe ratio

0.50

vs risk-free 6.5%

Sortino ratio

1.62

Downside-only deviation

Max drawdown

-2.02%

Oct 2015 → Feb 2016

% positive months

80.6%

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
30 Jan 2017	₹12.5626
27 Jan 2017	₹12.5643
25 Jan 2017	₹12.5509
24 Jan 2017	₹12.5210
23 Jan 2017	₹12.4992
20 Jan 2017	₹12.4864
19 Jan 2017	₹12.5130
18 Jan 2017	₹12.5072
17 Jan 2017	₹12.4997
16 Jan 2017	₹12.5020

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 Jan 2017, the NAV of Kotak Hybrid Fixed Term Plan Series 2 - Regular Plan - Dividend is ₹12.5626. 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 Hybrid Fixed Term Plan Series 2 - Regular Plan - Dividend has NAV history starting from 30 Jan 2014, a track record of about 12 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 Hybrid Fixed Term Plan Series 2 - Regular Plan - Dividend 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 Hybrid Fixed Term Plan Series 2 - Regular Plan - Dividend has delivered a absolute return of 8.19% — +12.26 pp ahead of the Medium to Long Duration Fund category average of -4.07%. The fund ranks #6 of 439 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Kotak Hybrid Fixed Term Plan Series 2 - Regular Plan - Dividend has delivered a CAGR of 8.17% — +6.43 pp ahead of the Medium to Long Duration Fund category average of 1.73%. The fund ranks #10 of 439 in its category — the top (Q1) quartile.

Kotak Hybrid Fixed Term Plan Series 2 - Regular Plan - Dividend 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 Hybrid Fixed Term Plan Series 2 - Regular Plan - Dividend exactly 3 years ago would be worth approximately ₹126,558 today — a multiplier of 1.27×, based on the 3-year CAGR of 8.17%. The category average over the same window would have grown ₹1 lakh to ₹105,294.

A ₹10,000 monthly SIP in Kotak Hybrid Fixed Term Plan Series 2 - Regular Plan - Dividend over the last 3 years — total invested ₹360,000 — would be worth ₹397,371 today. That's an XIRR (money-weighted annualised return) of 6.49%.

Kotak Hybrid Fixed Term Plan Series 2 - Regular Plan - Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹397,371 — XIRR 6.49%.

On a 3-year basis, Kotak Hybrid Fixed Term Plan Series 2 - Regular Plan - Dividend ranks #10 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 8.17%.

The worst peak-to-trough decline Kotak Hybrid Fixed Term Plan Series 2 - Regular Plan - Dividend has experienced over the last 3-year window is 2.02% — its NAV fell from a high on 20 Oct 2015 to a low on 12 Feb 2016. 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 Hybrid Fixed Term Plan Series 2 - Regular Plan - Dividend averaged 8.17% (best 8.17%, worst 8.17%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.50 — weak risk-adjusted performance.

In calendar year 2016, Kotak Hybrid Fixed Term Plan Series 2 - Regular Plan - Dividend returned 5.72% — lagging the Medium to Long Duration Fund category average of 8.01% by 2.30 pp. It ranked #28 of 35 in its category that year.

Kotak Hybrid Fixed Term Plan Series 2 - Regular Plan - 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 Hybrid Fixed Term Plan Series 2 - Regular Plan - 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.