Should I invest in Kotak Quarterly Interval Plan Series 3?

We don't give personal investment advice. Kotak Quarterly Interval Plan Series 3 - 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: 2.7%. 5-year CAGR: -0.10%.

Kotak Mahindra

Kotak Quarterly Interval Plan Series 3 - Dividend

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	292 / 1129	Q2
1W	+0.15%	-13.04%	+13.18	178 / 1151	Q1
2W	+0.27%	-13.18%	+13.46	158 / 1149	Q1
1M	+0.55%	-13.26%	+13.81	161 / 1137	Q1
3M	+0.06%	-13.15%	+13.20	397 / 1116	Q2
6M	+0.03%	-15.45%	+15.48	447 / 906	Q2
YTD	+0.11%	-15.77%	+15.88	405 / 952	Q2
1Y	-0.05%	-13.09%	+13.03	479 / 820	Q3
2Y	-0.17%	-12.72%	+12.55	316 / 446	Q3
3Y	-0.06%	-11.01%	+10.95	274 / 385	Q3
4Y	-0.15%	-6.52%	+6.36	261 / 339	Q4
5Y	-0.10%	-7.36%	+7.26	244 / 314	Q4
7Y	-0.04%	+2.53%	-2.57	205 / 234	Q4
10Y	—	—	—	—	—
Inception	+0.07%	-13.63%	+13.70	499 / 1199	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
2016 YTD	+0.11%	+3.02%	-2.92	128 / 181
2015	-0.27%	+2.22%	-2.49	185 / 216
2014	-0.24%	+5.51%	-5.75	219 / 240
2013	+0.11%	-1.95%	+2.07	145 / 276
2012	-0.28%	+1.38%	-1.66	272 / 295
2011	+0.23%	-3.16%	+3.40	158 / 317
2010	+0.54%	-5.78%	+6.32	201 / 377
2009	+0.22%	-12.86%	+13.07	353 / 713
2008	+0.01%	-2.02%	+2.03	195 / 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

+0.03%

90 windows

min -1.3% · max 2.8%

49% positive

3-Year rolling

+0.07%

66 windows

min -0.3% · max 0.9%

59% positive

5-Year rolling

+0.03%

41 windows

min -0.4% · max 0.2%

61% positive

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

7-Year rolling

-0.01%

17 windows

min -0.1% · max 0.1%

35% 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

3.20%

3-year · annualised

Sharpe ratio

-2.03

vs risk-free 6.5%

Sortino ratio

-2.48

Downside-only deviation

Max drawdown

-2.71%

Nov 2013 → Feb 2014

% 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
4 Apr 2016	₹10.0778
31 Mar 2016	₹10.0701
30 Mar 2016	₹10.0667
29 Mar 2016	₹10.0649
28 Mar 2016	₹10.0632
23 Mar 2016	₹10.0539
22 Mar 2016	₹10.0521
21 Mar 2016	₹10.0502
18 Mar 2016	₹10.0453
17 Mar 2016	₹10.0437

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 - Dividend 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 - Dividend 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 - Dividend 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 - Dividend has delivered a absolute return of -0.05% — +13.03 pp ahead of the Income category average of -13.09%. The fund ranks #479 of 820 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Kotak Quarterly Interval Plan Series 3 - Dividend has delivered a CAGR of -0.06% — +10.95 pp ahead of the Income category average of -11.01%. The fund ranks #274 of 385 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Kotak Quarterly Interval Plan Series 3 - Dividend has delivered a CAGR of -0.10% — +7.26 pp ahead of the Income category average of -7.36%. The fund ranks #244 of 314 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Kotak Quarterly Interval Plan Series 3 - Dividend exactly 5 years ago would be worth approximately ₹99,482 today — a multiplier of 0.99×, based on the 5-year CAGR of -0.10%. 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 - Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹598,122 today. That's an XIRR (money-weighted annualised return) of -0.12%.

Kotak Quarterly Interval Plan Series 3 - Dividend doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹838,424 — XIRR -0.05%.

On a 5-year basis, Kotak Quarterly Interval Plan Series 3 - Dividend ranks #244 out of 314 funds in the Income category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -7.36%; this fund delivered -0.10%.

The worst peak-to-trough decline Kotak Quarterly Interval Plan Series 3 - Dividend has experienced over the last 5-year window is 2.71% — its NAV fell from a high on 14 Nov 2013 to a low on 17 Feb 2014. 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 - Dividend averaged 0.03% (best 0.21%, worst -0.43%). 61% of rolling windows ended positive. The 5-year Sharpe ratio is -1.93 — negative risk-adjusted performance.

In calendar year 2015, Kotak Quarterly Interval Plan Series 3 - Dividend returned -0.27% — lagging the Income category average of 2.22% by 2.49 pp. It ranked #185 of 216 in its category that year.

Kotak Quarterly Interval Plan Series 3 - 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 Quarterly Interval Plan Series 3 - 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: 2.7%. 5-year CAGR: -0.10%.

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