Should I invest in Kotak Liquid (Weekly Dividend)?

We don't give personal investment advice. Kotak Liquid-Institutional Plan (Weekly 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. Worst 5-year drawdown: 0.5%. 5-year CAGR: 0.16%.

Kotak Mahindra

Kotak Liquid-Institutional Plan (Weekly Dividend)

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 20 Jan 2013. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

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	+0.03%	+0.34%	-0.31	9 / 110	Q1
1W	+0.04%	+0.31%	-0.27	43 / 107	Q2
2W	+0.00%	+0.36%	-0.36	46 / 106	Q2
1M	+0.08%	+0.37%	-0.29	36 / 106	Q2
3M	+0.05%	+0.70%	-0.65	40 / 105	Q2
6M	+0.03%	-0.73%	+0.76	43 / 105	Q2
YTD	+0.18%	-1.59%	+1.77	38 / 102	Q2
1Y	+0.07%	-0.61%	+0.68	42 / 100	Q2
2Y	+0.06%	-0.86%	+0.92	40 / 96	Q2
3Y	+0.27%	-1.06%	+1.33	39 / 89	Q2
4Y	+0.21%	-1.39%	+1.60	34 / 86	Q2
5Y	+0.16%	+0.08%	+0.08	35 / 76	Q2
7Y	+0.11%	-1.37%	+1.48	25 / 53	Q2
10Y	—	—	—	—	—
Inception	+0.11%	-1.26%	+1.37	44 / 110	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
2013 YTD	+0.18%	+0.78%	-0.60	28 / 64
2012	+0.00%	+155.04%	-155.04	37 / 65
2011	+0.69%	-0.45%	+1.14	24 / 67
2010	+0.05%	-1.24%	+1.29	42 / 73
2009	-0.04%	+0.17%	-0.22	65 / 75
2008	+0.02%	+2.60%	-2.58	35 / 61
2007	+0.03%	+0.04%	-0.01	22 / 48
2006	—	—	—	—

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

+0.11%

80 windows

min -0.2% · max 1.0%

69% positive

3-Year rolling

+0.11%

55 windows

min 0.0% · max 0.3%

73% positive

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

5-Year rolling

+0.11%

31 windows

min 0.0% · max 0.2%

87% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+0.10%

7 windows

min 0.1% · max 0.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

0.51%

3-year · annualised

Sharpe ratio

-12.32

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.51%

Apr 2013 → Jul 2013

% positive months

66.7%

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.

Recent NAVs

Date	NAV
23 Sep 2013	₹1,011.0790
22 Sep 2013	₹1,010.7931
20 Sep 2013	₹1,010.1642
19 Sep 2013	₹1,009.8505
18 Sep 2013	₹1,009.5443
17 Sep 2013	₹1,009.2571
16 Sep 2013	₹1,010.7029
15 Sep 2013	₹1,010.4094
13 Sep 2013	₹1,009.8018
12 Sep 2013	₹1,009.5359

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.

Kotak Liquid-Institutional Plan (Weekly Dividend) is a Liquid from Kotak Mahindra (Institutional plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Kotak Liquid-Institutional Plan (Weekly Dividend) has NAV history starting from 02 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Kotak Liquid-Institutional Plan (Weekly Dividend) is managed by Kotak Mahindra. It's classified by AMFI under the 'Liquid' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Liquid-Institutional Plan (Weekly Dividend) has delivered a absolute return of 0.07% — +0.68 pp ahead of the Liquid category average of -0.61%. The fund ranks #42 of 100 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Kotak Liquid-Institutional Plan (Weekly Dividend) has delivered a CAGR of 0.27% — +1.33 pp ahead of the Liquid category average of -1.06%. The fund ranks #39 of 89 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Kotak Liquid-Institutional Plan (Weekly Dividend) has delivered a CAGR of 0.16% — +0.08 pp ahead of the Liquid category average of 0.08%. The fund ranks #35 of 76 in its category — the second (Q2) quartile.

₹1 lakh invested in Kotak Liquid-Institutional Plan (Weekly Dividend) exactly 5 years ago would be worth approximately ₹100,822 today — a multiplier of 1.01×, based on the 5-year CAGR of 0.16%. The category average over the same window would have grown ₹1 lakh to ₹100,422.

A ₹10,000 monthly SIP in Kotak Liquid-Institutional Plan (Weekly Dividend) over the last 5 years — total invested ₹600,000 — would be worth ₹603,218 today. That's an XIRR (money-weighted annualised return) of 0.21%.

Kotak Liquid-Institutional Plan (Weekly Dividend) doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹845,134 — XIRR 0.17%.

On a 5-year basis, Kotak Liquid-Institutional Plan (Weekly Dividend) ranks #35 out of 76 funds in the Liquid category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.08%; this fund delivered 0.16%.

The worst peak-to-trough decline Kotak Liquid-Institutional Plan (Weekly Dividend) has experienced over the last 5-year window is 0.51% — its NAV fell from a high on 02 Apr 2013 to a low on 16 Jul 2013. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Kotak Liquid-Institutional Plan (Weekly Dividend) averaged 0.11% (best 0.17%, worst -0.02%). 87% of rolling windows ended positive. The 3-year Sharpe ratio is -12.32 — negative risk-adjusted performance.

In calendar year 2012, Kotak Liquid-Institutional Plan (Weekly Dividend) returned 0.00% — lagging the Liquid category average of 155.04% by 155.04 pp. It ranked #37 of 65 in its category that year.

Kotak Liquid-Institutional Plan (Weekly 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 Liquid-Institutional Plan (Weekly 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. Worst 5-year drawdown: 0.5%. 5-year CAGR: 0.16%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

Kotak Liquid-Institutional Plan (Weekly Dividend)

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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