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 - Growth 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 - Growth

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%	-0.06%	+0.06	234 / 268	Q4
1W	+0.51%	0.00%	+0.51	1 / 267	Q1
2W	+0.48%	+0.08%	+0.40	4 / 267	Q1
1M	+1.32%	+0.29%	+1.04	2 / 267	Q1
3M	+0.77%	+1.16%	-0.39	236 / 267	Q4
6M	+2.37%	+2.59%	-0.21	135 / 240	Q3
YTD	+1.22%	+2.18%	-0.96	204 / 249	Q4
1Y	+8.19%	+5.87%	+2.31	21 / 236	Q1
2Y	+4.90%	+6.77%	-1.87	213 / 236	Q4
3Y	+8.17%	+6.94%	+1.23	15 / 236	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.13%	+6.36%	+1.77	22 / 268	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%	+7.89%	-6.67	36 / 36
2016	+5.72%	+8.99%	-3.27	15 / 15
2015	+4.50%	+4.50%	+0.00	1 / 1
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 - Growth Option	Nippon India	₹13.2025	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Growth	SBI	₹17.1652	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 REGULAR PLAN-GROWTH (3652 days)	Bandhan	₹17.4145	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Regular Plan - Growth Option	Aditya Birla Sun Life	₹13.4359	3 Jun 2026
Kotak FMP Series 304-Regular Plan-Growth Option	Kotak	₹12.9404	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Regular Plan - Growth	DSP	₹13.1473	3 Jun 2026
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days) - Regular Plan - Growth Option	UTI	₹12.6624	3 Jun 2026
Axis Fixed Maturity Plan - Series 129 (108 Days) - Regular Plan - Growth	Axis	₹10.1904	3 Jun 2026
TRUSTMF FIXED MATURITY PLAN -SERIES II (1196 DAYS)-REGULAR PLAN -GROWTH		₹1,287.3332	3 Jun 2026
Union Fixed Maturity Plan - Series 13 - Regular Plan - Growth Option	Union	₹12.2015	15 Apr 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 - Growth is ₹12.5626. 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 Hybrid Fixed Term Plan Series 2 - Regular Plan - Growth 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 - Growth 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 - Growth has delivered a absolute return of 8.19% — +2.31 pp ahead of the Medium to Long Duration Fund category average of 5.87%. The fund ranks #21 of 236 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Kotak Hybrid Fixed Term Plan Series 2 - Regular Plan - Growth has delivered a CAGR of 8.17% — +1.23 pp ahead of the Medium to Long Duration Fund category average of 6.94%. The fund ranks #15 of 236 in its category — the top (Q1) quartile.

Kotak Hybrid Fixed Term Plan Series 2 - Regular Plan - Growth 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 - Growth 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 ₹122,282.

A ₹10,000 monthly SIP in Kotak Hybrid Fixed Term Plan Series 2 - Regular Plan - Growth 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 - Growth 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 - Growth ranks #15 out of 236 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 6.94%; this fund delivered 8.17%.

The worst peak-to-trough decline Kotak Hybrid Fixed Term Plan Series 2 - Regular Plan - Growth 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 - Growth 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 - Growth returned 5.72% — lagging the Medium to Long Duration Fund category average of 8.99% by 3.27 pp. It ranked #15 of 15 in its category that year.

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