Should I invest in Kotak Quarterly Interval Plan Series 1?

We don't give personal investment advice. Kotak Quarterly Interval Plan Series 1 - 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. Worst 5-year drawdown: 0.2%. 5-year CAGR: 7.69%.

Kotak Mahindra

Kotak Quarterly Interval Plan Series 1 - Growth

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%	-9.99%	+9.99	709 / 1129	Q3
1W	0.00%	-13.04%	+13.04	401 / 1151	Q2
2W	0.00%	-13.18%	+13.18	377 / 1149	Q2
1M	-0.01%	-13.26%	+13.26	392 / 1137	Q2
3M	+0.10%	-13.15%	+13.24	384 / 1116	Q2
6M	+1.06%	-15.45%	+16.51	399 / 906	Q2
YTD	+2.98%	-15.77%	+18.75	216 / 952	Q1
1Y	+3.34%	-13.09%	+16.43	362 / 820	Q2
2Y	+5.64%	-12.72%	+18.36	132 / 446	Q2
3Y	+6.46%	-11.01%	+17.47	88 / 385	Q1
4Y	+7.24%	-6.52%	+13.76	73 / 339	Q1
5Y	+7.69%	-7.36%	+15.06	64 / 314	Q1
7Y	+7.08%	+2.53%	+4.55	68 / 234	Q2
10Y	—	—	—	—	—
Inception	+7.58%	-13.63%	+21.21	247 / 1199	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
2015 YTD	+2.98%	+2.22%	+0.76	102 / 216
2014	+7.78%	+5.51%	+2.27	105 / 240
2013	+8.12%	-1.95%	+10.07	49 / 276
2012	+9.48%	+1.38%	+8.10	74 / 295
2011	+9.57%	-3.16%	+12.73	18 / 317
2010	+7.03%	-5.78%	+12.81	23 / 377
2009	+4.47%	-12.86%	+17.32	233 / 713
2008	+10.52%	-2.02%	+12.54	30 / 380
2007	—	—	—	—

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

+7.85%

88 windows

min 3.3% · max 11.0%

100% positive

3-Year rolling

+8.00%

64 windows

min 6.5% · max 9.1%

100% positive

5-Year rolling

+8.05%

40 windows

min 7.7% · max 8.5%

100% positive

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

7-Year rolling

+7.83%

15 windows

min 7.1% · max 8.2%

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

0.77%

3-year · annualised

Sharpe ratio

-0.28

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.17%

Jul 2013 → Jul 2013

% positive months

94.4%

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
10 Dec 2015	₹18.2476
9 Dec 2015	₹18.2477
8 Dec 2015	₹18.2477
7 Dec 2015	₹18.2477
4 Dec 2015	₹18.2479
3 Dec 2015	₹18.2479
2 Dec 2015	₹18.2479
1 Dec 2015	₹18.2479
30 Nov 2015	₹18.2479
27 Nov 2015	₹18.2481

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 Quarterly Interval Plan Series 1 - Growth is a Income from Kotak Mahindra (Unknown 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 Quarterly Interval Plan Series 1 - Growth has NAV history starting from 24 Sep 2007, a track record of about 18 years 8 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 Quarterly Interval Plan Series 1 - Growth is managed by Kotak Mahindra. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Quarterly Interval Plan Series 1 - Growth has delivered a absolute return of 3.34% — +16.43 pp ahead of the Income category average of -13.09%. The fund ranks #362 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Kotak Quarterly Interval Plan Series 1 - Growth has delivered a CAGR of 6.46% — +17.47 pp ahead of the Income category average of -11.01%. The fund ranks #88 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Kotak Quarterly Interval Plan Series 1 - Growth has delivered a CAGR of 7.69% — +15.06 pp ahead of the Income category average of -7.36%. The fund ranks #64 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in Kotak Quarterly Interval Plan Series 1 - Growth exactly 5 years ago would be worth approximately ₹144,862 today — a multiplier of 1.45×, based on the 5-year CAGR of 7.69%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in Kotak Quarterly Interval Plan Series 1 - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹709,276 today. That's an XIRR (money-weighted annualised return) of 6.62%.

Kotak Quarterly Interval Plan Series 1 - Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,078,187 — XIRR 7.02%.

On a 5-year basis, Kotak Quarterly Interval Plan Series 1 - Growth ranks #64 out of 314 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -7.36%; this fund delivered 7.69%.

The worst peak-to-trough decline Kotak Quarterly Interval Plan Series 1 - Growth has experienced over the last 5-year window is 0.17% — its NAV fell from a high on 15 Jul 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 Quarterly Interval Plan Series 1 - Growth averaged 8.05% (best 8.50%, worst 7.69%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.25 — strong risk-adjusted performance.

In calendar year 2014, Kotak Quarterly Interval Plan Series 1 - Growth returned 7.78% — beating the Income category average of 5.51% by 2.27 pp. It ranked #105 of 240 in its category that year.

Kotak Quarterly Interval Plan Series 1 - 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 Quarterly Interval Plan Series 1 - 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. Worst 5-year drawdown: 0.2%. 5-year CAGR: 7.69%.

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

Kotak Quarterly Interval Plan Series 1 - Growth

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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