Sharpe ratio
0.78Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+2.87%1Y Absolute Return
-0.18%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Kotak Debt Hybrid - Growth - DirectFund 5Y annualised return | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.10
₹1 Lakh since launch₹1.10 Lakh
Fund age13.8 yrs
Fund information
Scheme code120154
ISININF174K01JZ1
BenchmarkCRISIL Hybrid 85+15 Conservative Index
CategoryHybrid Scheme - Conservative Hybrid Fund
Expense ratio0.61%
Exit loadExit load for units in excess of 8% of the investment,1% will be charged for redemption within 6 months.
Minimum SIP₹100 SIP
Return comparison
22nd / 104 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +38.14% | — | — |
| 3M | +0.34% | — | — |
| 6M | +7.86% | — | — |
| 1Y | +2.87% | — | -0.90% |
| 3Y | +8.77% | — | +3.51% |
| 5Y | +8.25% | — | +2.85% |
| 10Y | +9.66% | — | — |
| Since Launch | +10.26% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.12Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
4.42%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.87How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt72.83%
Equity22.69%
Cash3.71%
Real Estate0.77%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 133 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100 | Entities | GOI Securities | 6.88% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 6.69% |
| Repo | Unspecified | Repo | 5.19% |
| JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC | Materials | Debenture | 3.72% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 26F 7.44 BD 17JL29 FVRS1LAC | Financial | Bonds | 3.49% |
| LIC HOUSING FINANCE LTD.** | Financial | Non Convertible Debenture | 2.61% |
| SIDDHIVINAYAK SECURITISATION TRUST SD TRUST PTC 15SEPT25 | Unspecified | Securitised Debt | 2.57% |
| SHIVSHAKTI SECURITISATION TRUST SS TRUST PTC 15SEPT25 | Unspecified | Securitised Debt | 2.55% |
| STATE DEVELOPMENT LOAN 37474 TN 03JU33 7.69 FV RS 100 | Unspecified | State Development Loan | 2.12% |
| STATE DEVELOPMENT LOAN 37200 KAR 11MR40 7.58 FV RS 100 | Unspecified | State Development Loan | 2.09% |
Fund management
AB
Abhishek Bisen
Since 2012 · Prior to joining Kotak AMC, he was working with Securities Trading Corporation Of India Ltd where he was looking at Sales & Trading of Fixed Income Products apart from doing Portfolio Advisory. His earlier assignments also include 2 years of merchant banking experience with a leading merchant banking firm.
Mr. Bisen is a BA and MBA in Finance.
SH
Shibani Sircar Kurian
Since 2024 · Prior to joining Kotak AMC, she was working with Dawnay Day AV India Advisors Pvt Ltd and UTI AMC.
Ms. Kurian has done PGDM (Specialization in Finance), BSc (Hons)-Economics
Compare similar funds
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Summary
A high-risk hybrid scheme - conservative hybrid fund. Ahead of its category average over 3Y by 5.3 points.
Strengths
- Ahead of its category average over 3Y by 5.3 points.
- Recovered from its worst fall in 3 months.
- Well spread out — top 10 holdings are only 4% of the portfolio.
- Same fund manager for 14+ years — the strategy has not chopped and changed.
- Ranks 22 of 104 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 2–3+ years horizon to ride out its high risk level.
Risk drivers
- None