Should I invest in Kotak Quarterly Interval Plan Series 8?

We don't give personal investment advice. Kotak Quarterly Interval Plan Series 8 - 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: -0.01%.

Kotak Mahindra

Kotak Quarterly Interval Plan Series 8 - 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	+0.01%	-9.99%	+10.00	190 / 1129	Q1
1W	-0.87%	-13.04%	+12.17	572 / 1151	Q2
2W	-0.84%	-13.18%	+12.34	555 / 1149	Q2
1M	-0.65%	-13.26%	+12.62	535 / 1137	Q2
3M	-0.01%	-13.15%	+13.14	459 / 1116	Q2
6M	+0.01%	-15.45%	+15.46	453 / 906	Q2
YTD	-0.27%	-15.77%	+15.50	490 / 952	Q3
1Y	+0.01%	-13.09%	+13.10	444 / 820	Q3
2Y	-0.97%	-12.72%	+11.75	338 / 446	Q4
3Y	+0.00%	-11.01%	+11.01	251 / 385	Q3
4Y	-0.01%	-6.52%	+6.51	243 / 339	Q3
5Y	-0.01%	-7.36%	+7.35	234 / 314	Q3
7Y	-0.39%	+2.53%	-2.92	220 / 234	Q4
10Y	—	—	—	—	—
Inception	-0.03%	-13.63%	+13.60	596 / 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
2015 YTD	-0.27%	+2.22%	-2.50	186 / 216
2014	+0.09%	+5.51%	-5.42	168 / 240
2013	-0.26%	-1.95%	+1.69	205 / 276
2012	-0.27%	+1.38%	-1.65	271 / 295
2011	+0.03%	-3.16%	+3.20	189 / 317
2010	+0.35%	-5.78%	+6.13	220 / 377
2009	-0.39%	-12.86%	+12.47	411 / 713
2008	—	—	—	—

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

-0.05%

76 windows

min -2.7% · max 2.3%

43% positive

3-Year rolling

-0.01%

52 windows

min -0.6% · max 0.4%

52% positive

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

5-Year rolling

0.00%

28 windows

min -0.1% · max 0.1%

54% positive

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

7-Year rolling

-0.17%

3 windows

min -0.4% · max 0.0%

0% 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

2.51%

3-year · annualised

Sharpe ratio

-2.57

vs risk-free 6.5%

Sortino ratio

-3.14

Downside-only deviation

Max drawdown

-2.00%

Jun 2014 → Jun 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
9 Dec 2015	₹10.0015
8 Dec 2015	₹10.0001
7 Dec 2015	₹10.0934
4 Dec 2015	₹10.0901
3 Dec 2015	₹10.0888
2 Dec 2015	₹10.0888
1 Dec 2015	₹10.0888
30 Nov 2015	₹10.0875
27 Nov 2015	₹10.0876
26 Nov 2015	₹10.0876

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 8 - 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 8 - Dividend has NAV history starting from 19 Sep 2008, a track record of about 17 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 8 - 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 8 - Dividend has delivered a absolute return of 0.01% — +13.1 pp ahead of the Income category average of -13.09%. The fund ranks #444 of 820 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Kotak Quarterly Interval Plan Series 8 - Dividend has delivered a CAGR of 0.00% — +11.01 pp ahead of the Income category average of -11.01%. The fund ranks #251 of 385 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Kotak Quarterly Interval Plan Series 8 - Dividend has delivered a CAGR of -0.01% — +7.35 pp ahead of the Income category average of -7.36%. The fund ranks #234 of 314 in its category — the third (Q3) quartile.

₹1 lakh invested in Kotak Quarterly Interval Plan Series 8 - Dividend exactly 5 years ago would be worth approximately ₹99,962 today — a multiplier of 1.00×, based on the 5-year CAGR of -0.01%. 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 8 - Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹595,317 today. That's an XIRR (money-weighted annualised return) of -0.31%.

Kotak Quarterly Interval Plan Series 8 - Dividend doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹833,550 — XIRR -0.22%.

On a 5-year basis, Kotak Quarterly Interval Plan Series 8 - Dividend ranks #234 out of 314 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -7.36%; this fund delivered -0.01%.

The worst peak-to-trough decline Kotak Quarterly Interval Plan Series 8 - Dividend has experienced over the last 5-year window is 2.65% — its NAV fell from a high on 08 Jun 2012 to a low on 11 Mar 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 8 - Dividend averaged -0.00% (best 0.15%, worst -0.12%). 54% of rolling windows ended positive. The 5-year Sharpe ratio is -2.09 — negative risk-adjusted performance.

In calendar year 2014, Kotak Quarterly Interval Plan Series 8 - Dividend returned 0.09% — lagging the Income category average of 5.51% by 5.42 pp. It ranked #168 of 240 in its category that year.

Kotak Quarterly Interval Plan Series 8 - 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 8 - 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: -0.01%.

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