Should I invest in Kotak Quarterly Interval Plan Series 3?

We don't give personal investment advice. Kotak Quarterly Interval Plan Series 3 - 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: 0.1%. 5-year CAGR: 8.42%.

Kotak Mahindra

Kotak Quarterly Interval Plan Series 3 - 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	293 / 1129	Q2
1W	+0.15%	-13.04%	+13.18	177 / 1151	Q1
2W	+0.28%	-13.18%	+13.46	157 / 1149	Q1
1M	+0.55%	-13.26%	+13.81	160 / 1137	Q1
3M	+1.59%	-13.15%	+14.73	184 / 1116	Q1
6M	+3.14%	-15.45%	+18.59	247 / 906	Q2
YTD	+1.64%	-15.77%	+17.41	283 / 952	Q2
1Y	+6.71%	-13.09%	+19.80	266 / 820	Q2
2Y	+7.33%	-12.72%	+20.06	89 / 446	Q1
3Y	+7.93%	-11.01%	+18.94	54 / 385	Q1
4Y	+8.14%	-6.52%	+14.66	54 / 339	Q1
5Y	+8.42%	-7.36%	+15.78	39 / 314	Q1
7Y	+7.56%	+2.53%	+5.03	57 / 234	Q1
10Y	—	—	—	—	—
Inception	+7.94%	-13.63%	+21.57	195 / 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
2016 YTD	+1.64%	+3.02%	-1.39	87 / 181
2015	+6.96%	+2.22%	+4.74	51 / 216
2014	+8.26%	+5.51%	+2.75	92 / 240
2013	+8.81%	-1.95%	+10.76	27 / 276
2012	+9.31%	+1.38%	+7.93	90 / 295
2011	+9.32%	-3.16%	+12.48	37 / 317
2010	+5.69%	-5.78%	+11.48	44 / 377
2009	+5.26%	-12.86%	+18.12	205 / 713
2008	+10.08%	-2.02%	+12.10	38 / 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

+7.94%

90 windows

min 3.8% · max 10.6%

100% positive

3-Year rolling

+8.04%

66 windows

min 6.6% · max 9.2%

100% positive

5-Year rolling

+8.10%

41 windows

min 7.6% · max 8.6%

100% positive

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

7-Year rolling

+7.88%

17 windows

min 7.5% · max 8.1%

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

0.46%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.12%

Jul 2013 → Jul 2013

% 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.

Recent NAVs

Date	NAV
4 Apr 2016	₹18.9613
31 Mar 2016	₹18.9467
30 Mar 2016	₹18.9404
29 Mar 2016	₹18.9370
28 Mar 2016	₹18.9338
23 Mar 2016	₹18.9164
22 Mar 2016	₹18.9128
21 Mar 2016	₹18.9093
18 Mar 2016	₹18.9001
17 Mar 2016	₹18.8971

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 3 - 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 3 - Growth has NAV history starting from 29 Nov 2007, a track record of about 18 years 6 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 3 - 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 3 - Growth has delivered a absolute return of 6.71% — +19.8 pp ahead of the Income category average of -13.09%. The fund ranks #266 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Kotak Quarterly Interval Plan Series 3 - Growth has delivered a CAGR of 7.93% — +18.94 pp ahead of the Income category average of -11.01%. The fund ranks #54 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Kotak Quarterly Interval Plan Series 3 - Growth has delivered a CAGR of 8.42% — +15.78 pp ahead of the Income category average of -7.36%. The fund ranks #39 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in Kotak Quarterly Interval Plan Series 3 - Growth exactly 5 years ago would be worth approximately ₹149,824 today — a multiplier of 1.50×, based on the 5-year CAGR of 8.42%. 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 3 - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹732,831 today. That's an XIRR (money-weighted annualised return) of 7.92%.

Kotak Quarterly Interval Plan Series 3 - Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,116,450 — XIRR 7.99%.

On a 5-year basis, Kotak Quarterly Interval Plan Series 3 - Growth ranks #39 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 8.42%.

The worst peak-to-trough decline Kotak Quarterly Interval Plan Series 3 - Growth has experienced over the last 5-year window is 0.12% — 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 3 - Growth averaged 8.10% (best 8.61%, worst 7.57%). 100% of rolling windows ended positive.

In calendar year 2015, Kotak Quarterly Interval Plan Series 3 - Growth returned 6.96% — beating the Income category average of 2.22% by 4.74 pp. It ranked #51 of 216 in its category that year.

Kotak Quarterly Interval Plan Series 3 - 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 3 - 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: 0.1%. 5-year CAGR: 8.42%.

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

Kotak Quarterly Interval Plan Series 3 - Growth

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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