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4 star

Kotak Debt Hybrid Fund - Direct Plan


Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to
₹ 1.22 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.10 Lakh

Suitability:

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than returns from fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small equity allocation though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.

Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year.

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 4.42 0.05 0.35 1.53 7.40 2.44 11.05 6.92 9.12 11.10 --
VR MIP TRI 1.47 0.01 0.47 1.67 7.45 0.84 6.27 6.31 7.29 9.07 --
Hybrid: Conservative Hybrid 1.65 0.02 0.47 1.53 7.44 -0.02 6.01 4.57 6.92 9.46 --
Rank within category 14 12 19 13 16 13 5 8 5 4 --
Number of funds in category 39 39 39 39 39 39 38 36 33 29 0

As on 07-Aug-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Kotak Debt Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 11.05 6.92 9.12 1.15 253
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 9.58 7.29 9.39 1.15 1,597
HDFC Hybrid Debt Fund - Direct Plan  | Invest Online
2 star
Jan-13 4.82 3.53 6.68 1.42 2,382
UTI Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 2.90 3.39 6.33 1.11 1,673
Aditya Birla Sun Life Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 1.97 1.60 6.68 1.12 1,198

Best & Worst Performance

Best (Period) Worst (Period)
Week 4.05 (24-Mar-2020 - 31-Mar-2020) -5.78 (11-Mar-2020 - 18-Mar-2020)
Month 8.19 (24-Mar-2020 - 23-Apr-2020) -11.80 (20-Feb-2020 - 23-Mar-2020)
Quarter 12.75 (24-Mar-2020 - 23-Jun-2020) -9.74 (23-Dec-2019 - 23-Mar-2020)
Year 24.28 (13-Feb-2014 - 13-Feb-2015) -2.15 (26-Oct-2017 - 26-Oct-2018)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.85 6.49 0.25 0.28 0.91 0.70
VR MIP TRI 6.24 6.56 0.16 0.18 -- --
Hybrid: Conservative Hybrid 4.68 7.10 0.00 0.07 0.84 -1.40
Rank within category 8 23 9 10 29 10
Number of funds in category 36 36 36 36 36 36

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Jul-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 45
Number of Bonds 19
Average Maturity (yrs) * 6.34
Top 10 Holdings (%) 63.01
Portfolio P/B Ratio 2.09
Portfolio P/E Ratio 18.51

Value Research Equity Fund Style

Value Research Debt Fund Style*

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
up 6.19% GOI 16/09/2034 GOI Securities SOV 0.00 - 29.73 29.73
up 5.79% GOI 2030 GOI Securities SOV 0.00 - 6.70 6.70
new 6.79% GOI 15/05/2027 GOI Securities SOV 0.00 - 4.19 4.19
equal 7.55% REC 2030 Debenture AAA 0.00 - 4.21 4.12
equal 7.41% Power Finance Corp. 25/02/2030 Debenture AAA 0.00 - 4.33 4.08
equal 7.18% Canara Bank 2030 Zero Coupon Bonds AAA 0.00 - 4.25 4.06
equal Bahadur Chand Investments 2024 Zero Coupon Bonds AA 0.00 - 4.23 3.98
equal 8.27% Rajasthan State 23/06/2023 State Development Loan SOV 1.97 - 2.29 2.14
equal 8.85% Power Finance Corp. 25/05/2029 Bonds/NCDs AAA 1.89 - 8.18 2.00
equal 7.55% IRFC 2030 Debenture AAA 0.00 - 2.02 1.93
equal 7.48% IRFC 13/08/2029 Non Convertible Debenture AAA 0.00 - 1.87 1.78
equal 9.75% Uttar Pradesh Power Corporation 20/10/2020 Debenture A+ 0.00 - 3.38 1.58
equal 8.42% Tamilnadu State 25/07/2023 State Development Loan SOV 1.40 - 1.62 1.52
up 9.48% Power Finance Corp. 15/04/2022 Bonds AAA 0.32 - 0.76 0.76
equal 9.75% REC 2021 Bonds AAA 0.59 - 0.67 0.63
equal 9.60% Hindalco Inds. 2022 Bonds/NCDs AA 0.27 - 0.31 0.30
equal 8.85% NHPC 2022 Bonds AAA 0.28 - 0.32 0.29
equal 9.35% REC 15/06/2022 Bonds AAA 0.24 - 0.27 0.26
equal HDFC Bank Term Deposits -- 0.16 - 0.37 0.16

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
down ITC FMCG 16.68 2.66 1.34 2.01
equal ICICI Bank Financial 22.79 2.62 0.00 1.67
up Bharti Airtel Communication -- 1.26 0.00 1.26
down Mahindra & Mahindra Automobile -- 1.20 0.00 1.20
up Hero Motocorp Automobile 14.85 1.03 0.00 1.03
equal State Bank of India Financial 7.88 1.58 0.00 0.87
equal HDFC Bank Financial 20.14 1.45 0.00 0.82
equal Indiamart Intermesh Services 47.19 1.04 0.00 0.80
equal Emami FMCG 37.75 0.81 0.00 0.79
equal Axis Bank Financial 72.28 1.20 0.00 0.78
down Britannia Inds. FMCG 55.80 1.00 0.00 0.76
equal Kalpataru Power Trans Construction 9.05 0.66 0.00 0.66
equal Solara Active Pharma Sciences Healthcare 17.97 0.64 0.00 0.64
down NTPC Energy 12.61 0.92 0.00 0.63
down Laurus Labs Healthcare 26.62 0.61 0.00 0.61
equal SRF Diversified 23.29 0.94 0.00 0.60
down The Ramco Cements Construction 26.81 0.67 0.20 0.57
equal Infosys Technology 23.78 1.61 0.00 0.55
equal CESC Energy 5.91 0.92 0.00 0.54
equal BPCL Energy 29.80 0.61 0.00 0.52
equal Kotak Mahindra Bank Financial 31.19 0.60 0.00 0.49
new Tech Mahindra Technology 15.82 0.59 0.00 0.46
new Ultratech Cement Construction 21.68 0.42 0.00 0.42
new Blue Dart Express Services -- 0.39 0.00 0.39
equal Huhtamaki PPL FMCG 12.12 0.55 0.00 0.39

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Jul-2020

*As on 30-Jun-2020

Fund Manager

— Abhishek Bisen since 01-Jan-2013

Education: Mr. Bisen is a BA and MBA in Finance.

Experience: Prior to joining Kotak AMC, Abhishek 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.

Funds Managed:

— Devender Singhal since 25-Aug-2015

Education: Mr. Singhal has done B.A. (Maths) from Delhi University and PGDM, Finance from Fore School of Management, Delhi.

Experience: Prior to joining Kotak Mahindra AMC , he has worked with Kotak Securities Ltd.(July 2007 -- January 2009) ,Religare (February 2006 -- June 2007), Karvy (July 2004 -- January 2006), P N Vijay Financial Services Pvt Ltd(2001 -- 2004) and Dundee Mutual Fund( Summer Trainee ) (May 2000 -- June 2000 ).

Funds Managed:


0.05%

Change from previous, NAV as on 07-Aug-2020

Growth: ₹ 37.2966

Dividend Quarterly: ₹ 14.2245

Dividend Monthly: ₹ 12.3753


Investment Strategy

The Scheme seeks to enhance returns over a portfolio of debt instruments with a moderate exposure in equity and equity related instruments. By investing in debt securities, the Scheme will aim at generating regular returns, while enhancement of return is intended through investing in equity and equity related securities.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 1,000
Minimum No of Cheques 6
Minimum Withdrawal (₹) 1,000
Minimum Balance (₹) 1,000
Exit Load For units in excess of 8% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: Kotak Mahindra Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 9.87%
Benchmark: CRISIL Hybrid 85+15 Conservative
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 253 Cr (As on 31-Jul-2020)
Expense: 1.15% (As on 30-Jun-2020)
Risk Grade: Average
Return Grade: Above Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly13-Jul-20200.0659

 12-Jun-20200.0638
 12-May-20200.0727
 13-Apr-20200.0822
 12-Mar-20200.0606
 12-Feb-20200.0621
 13-Jan-20200.0656
 12-Dec-20190.0597
 13-Nov-20190.0683
 15-Oct-20190.0800
 14-Oct-20190.0800
 12-Sep-20190.0747
 13-Aug-20190.0813
 12-Jul-20190.0760
 12-Jun-20190.0746
 13-May-20190.0787
 12-Apr-20190.0782
 12-Mar-20190.0693
 12-Feb-20190.0729
 14-Jan-20190.0826
 12-Dec-20180.0747
 12-Nov-20180.0770
 12-Oct-20180.0774
 12-Sep-20180.0783
 13-Aug-20180.0831
Dividend Quarterly22-Jun-20200.2003

 20-Mar-20200.2073
 20-Dec-20190.2032
 20-Sep-20190.2186
 20-Jun-20190.2172
 20-Mar-20190.2130
 20-Dec-20180.2137
 21-Sep-20180.2248
 20-Jun-20180.2271
 20-Mar-20180.2304
 20-Dec-20170.2343
 20-Sep-20170.2376
 20-Jun-20170.2302
 20-Mar-20170.1510
 20-Dec-20160.1796
 20-Sep-20160.1605
 20-Jun-20160.1321
 21-Mar-20160.1205
 21-Dec-20150.1320
 21-Sep-20150.1442
 22-Jun-20150.1261
 20-Mar-20150.1779
 22-Dec-20140.1818
 22-Sep-20140.1969
 20-Jun-20140.1807

Contact Information

AMC: Kotak Mahindra Asset Management Company Ltd

Address: 27 BKC, C-27, G Block, Bandra Kurla Complex, Bandra (E) Mumbai - 400051

Phone: 022-61152100 / 1800-22-2626

Fax: 022-66384455

Email: [email protected]

Website: http://www.kotakmutual.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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