Sharpe ratio
1.43Return earned for the risk taken.
Good
Good risk-adjusted returns. The fund has delivered strong returns for its level of risk.
+5.87%1Y Absolute Return
+0.01%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 Low Duration Fund- Direct Plan- Growth OptionFund 5Y annualised return | ₹8,62,514 | ₹7,32,612 | ₹1,29,902 | +6.76% |
| 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₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age11.8 yrs
Fund information
Scheme code133810
ISININF178L01AX4
BenchmarkNIFTY Low Duration Debt Index A-I
CategoryDebt Scheme - Low Duration Fund
Expense ratio0.40%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
25th / 226 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +4.87% | — | — |
| 3M | +4.29% | — | — |
| 6M | +6.42% | — | — |
| 1Y | +5.87% | — | +2.45% |
| 3Y | +7.37% | — | +3.20% |
| 5Y | +6.76% | — | +3.00% |
| 10Y | +7.25% | — | — |
| Since Launch | +7.64% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
2.96Return earned while limiting downside risk.
Excellent
Excellent downside risk-adjusted returns. The fund has managed downside risk very effectively.
Standard deviation
0.64%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
5.08How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
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%
Debt98.38%
Cash1.62%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 93 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| STATE DEVELOPMENT LOAN 36993 KAR 28JL31 7.15 FV RS 100 | Unspecified | State Development Loan | 4.36% |
| PUNJAB NATIONAL BANK CD 04MAR27 | Financial | Certificate of Deposit | 4.15% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 24E 7.80 BD 15MR27 FVRS1LAC | Financial | Debenture | 4.14% |
| PUNJAB NATIONAL BANK CD 04FEB27 | Financial | Certificate of Deposit | 3.75% |
| JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC | Materials | Debenture | 3.72% |
| BAJAJ HOUSING FINANCE LIMITED 7.66 NCD 20MR28 FVRS1LAC | Financial | Debenture | 3.48% |
| CANARA BANK CD 02FEB27 | Financial | Certificate of Deposit | 2.92% |
| BANK OF BARODA CD 05FEB27 | Financial | Certificate of Deposit | 2.5% |
| BAJAJ HOUSING FINANCE LIMITED 7.02 NCD 26MY28 FVRS1LAC | Financial | Non Convertible Debenture | 2.24% |
| REC LIMITED SR 250A 6.60 BD 30JU27 FVRS1LAC | Financial | Debenture | 2.16% |
Fund management
DH
Dharmesh Thakar
Since 2025 · Prior to joining the Kotak AMC, he was associated with Trust Financial Consultancy Services Pvt Ltd.
PGeMBA in Finance
DE
Deepak Agrawal
Since 2015 · He has been associated with Kotak AMC since 2002.
Mr. Agrawal is Post Graduate in Commerce from Mumbai University, Chartered Accountant, Company Secretary and CFA.
Compare similar funds
No comparable category funds are available yet.
Summary
A low to moderate-risk debt scheme - low duration fund. Losses and swings stayed contained — worst fall -1.5%, volatility 0.6%. Financial makes up 54% — trouble in that sector hits the whole fund.
Strengths
- Losses and swings stayed contained — worst fall -1.5%, volatility 0.6%.
- Recovered from its worst fall in 0 months.
- Same fund manager for 12+ years — the strategy has not chopped and changed.
- Ranks 25 of 226 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its low to moderate risk level.
Risk drivers
- Financial makes up 54% — trouble in that sector hits the whole fund.