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4 star

Kotak Debt Hybrid Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.19 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.11 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 7.00 -0.30 0.36 1.53 3.62 10.82 9.30 6.08 8.05 9.67 8.57
VR MIP TRI 3.35 -0.44 -0.38 2.02 1.74 9.32 5.70 6.52 7.66 8.76 7.79
Hybrid: Conservative Hybrid 3.24 -0.25 -0.05 1.62 2.63 9.52 4.83 3.94 6.31 8.37 7.57
Rank within category 8 28 3 24 8 10 6 6 6 4 4
Number of funds in category 39 39 39 39 39 39 38 36 33 30 29

As on 28-Oct-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 - Regular Plan  | Invest Online
4 star
Dec-03 9.30 6.08 8.05 2.31 274
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 8.65 7.23 8.81 1.91 2,115
HDFC Hybrid Debt Fund  | Invest Online
3 star
Dec-03 4.93 3.29 6.47 1.87 2,331
UTI Regular Savings Fund - Regular Plan  | Invest Online
2 star
Dec-03 4.18 3.50 5.98 1.79 1,638
Aditya Birla Sun Life Regular Savings Fund  | Invest Online
2 star
May-04 1.77 1.62 6.37 2.00 1,169

Best & Worst Performance

Best (Period) Worst (Period)
Week 4.02 (24-Mar-2020 - 31-Mar-2020) -5.80 (11-Mar-2020 - 18-Mar-2020)
Month 8.09 (24-Mar-2020 - 23-Apr-2020) -11.88 (20-Feb-2020 - 23-Mar-2020)
Quarter 12.44 (24-Mar-2020 - 23-Jun-2020) -9.99 (23-Dec-2019 - 23-Mar-2020)
Year 23.41 (13-Feb-2014 - 13-Feb-2015) -13.30 (12-Mar-2008 - 12-Mar-2009)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.23 6.49 0.18 0.19 0.91 -0.14
VR MIP TRI 6.50 6.53 0.22 0.25 -- --
Hybrid: Conservative Hybrid 4.11 7.14 -0.08 -0.04 0.85 -2.17
Rank within category 6 22 7 7 29 8
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 30-Sep-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 45
Number of Bonds 18
Average Maturity (yrs) 7.10
Top 10 Holdings (%) 56.77
Portfolio P/B Ratio 1.92
Portfolio P/E Ratio 20.06

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
equal 6.19% GOI 16/09/2034 GOI Securities SOV 0.00 - 29.73 23.28
down 5.77% GOI 2030 GOI Securities SOV 0.00 - 23.65 10.75
new 7.16% GOI 20/09/2050 GOI Securities SOV 0.00 - 8.72 3.84
equal 7.18% Canara Bank 2030 Zero Coupon Bonds AAA 0.00 - 4.25 3.70
new 6.24% State Bank of India 21/09/2030 Non Convertible Debenture AAA 0.00 - 3.65 3.65
equal 7.20% Power Finance Corp. 2035 Debenture AAA 0.00 - 3.69 3.61
equal 8.27% Rajasthan State 23/06/2023 State Development Loan SOV 1.95 - 2.29 1.95
new 7.58% NTPC 23/08/2026 Debenture AAA 0.00 - 1.93 1.93
new 6.78% Maharashtra State 23/09/2032 State Development Loan SOV 0.00 - 1.81 1.81
equal 8.85% Power Finance Corp. 25/05/2029 Bonds/NCDs AAA 1.81 - 8.07 1.81
equal 7.48% IRFC 13/08/2029 Non Convertible Debenture AAA 0.00 - 1.87 1.60
equal 9.75% Uttar Pradesh Power Corporation 20/10/2020 Debenture A+ 0.00 - 3.38 1.46
equal 8.42% Tamilnadu State 25/07/2023 State Development Loan SOV 1.38 - 1.62 1.38
equal 9.48% Power Finance Corp. 15/04/2022 Bonds AAA 0.32 - 0.76 0.70
equal 9.75% REC 2021 Bonds AAA 0.58 - 0.67 0.58
equal 8.85% NHPC 2022 Bonds AAA 0.27 - 0.32 0.27
equal 9.60% Hindalco Inds. 2022 Bonds/NCDs AA 0.27 - 0.31 0.27
equal 9.35% REC 15/06/2022 Bonds AAA 0.23 - 0.27 0.23

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
new Reliance Industries Ltd - Partly Paid Equity Energy -- 2.25
up ITC FMCG 13.94 2.66 1.34 1.76
equal ICICI Bank Financial 27.12 2.62 0.00 1.58
equal Emami FMCG 53.21 1.11 0.00 1.06
up Persistent Systems Technology 24.37 0.98 0.00 0.98
equal Mahindra & Mahindra Automobile -- 1.20 0.00 0.94
up Bharti Airtel Communication -- 1.26 0.00 0.88
down Indiamart Intermesh Services 76.46 1.04 0.00 0.84
new UTI Asset Management Co. Financial 23.28 0.81 0.00 0.81
equal State Bank of India Financial 7.80 1.58 0.00 0.77
equal Axis Bank Financial 42.56 1.20 0.00 0.71
equal Bombay Burmah FMCG 12.38 0.91 0.00 0.67
equal Kalpataru Power Trans Construction 11.18 0.71 0.00 0.65
equal Solara Active Pharma Sciences Healthcare 30.91 0.64 0.00 0.63
equal The Ramco Cements Construction 35.40 0.67 0.20 0.57
new Firstsource Solutions Services 13.17 0.51 0.00 0.51
equal Subros Automobile 77.16 0.51 0.00 0.51
equal Tech Mahindra Technology 19.54 0.59 0.00 0.49
equal NTPC Energy 14.84 0.92 0.00 0.46
down SRF Diversified 26.31 0.94 0.00 0.45
equal CESC Energy 5.94 0.92 0.00 0.44
equal Century Plyboards (India) FMCG 39.21 0.46 0.00 0.44
equal BPCL Energy 21.38 0.61 0.00 0.41
equal Cummins India Engineering 20.54 0.44 0.00 0.41
new Computer Age Management Services Financial 36.56 0.40 0.00 0.40

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 30-Sep-2020

Fund Manager

— Abhishek Bisen since 15-Apr-2008

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:


-0.30%

Change from previous, NAV as on 28-Oct-2020

Growth: ₹ 35.5161

Dividend Quarterly: ₹ 13.6625

Dividend Monthly: ₹ 11.9797


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: 02-Dec-2003
Return Since Launch: 7.78%
Benchmark: CRISIL Hybrid 85+15 Conservative TRI
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 274 Cr (As on 30-Sep-2020)
Expense: 2.31% (As on 30-Sep-2020)
Risk Grade: Average
Return Grade: Above Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly12-Oct-20200.0549

 14-Sep-20200.0640
 12-Aug-20200.0575
 13-Jul-20200.0580
 12-Jun-20200.0562
 12-May-20200.0650
 13-Apr-20200.0736
 12-Mar-20200.0545
 12-Feb-20200.0558
 13-Jan-20200.0591
 12-Dec-20190.0538
 13-Nov-20190.0620
 15-Oct-20190.0730
 14-Oct-20190.0730
 12-Sep-20190.0682
 13-Aug-20190.0743
 12-Jul-20190.0695
 12-Jun-20190.0682
 13-May-20190.0720
 12-Apr-20190.0716
 12-Mar-20190.0635
 12-Feb-20190.0668
 14-Jan-20190.0758
 12-Dec-20180.0686
 12-Nov-20180.0707
Dividend Quarterly21-Sep-20200.1797

 22-Jun-20200.1749
 20-Mar-20200.1857
 20-Dec-20190.1823
 20-Sep-20190.1970
 20-Jun-20190.1959
 20-Mar-20190.1926
 20-Dec-20180.1936
 21-Sep-20180.2043
 20-Jun-20180.2067
 20-Mar-20180.2103
 20-Dec-20170.2143
 20-Sep-20170.2178
 20-Jun-20170.2116
 20-Mar-20170.1243
 20-Dec-20160.1627
 20-Sep-20160.1452
 20-Jun-20160.1183
 21-Mar-20160.1072
 21-Dec-20150.1187
 21-Sep-20150.1229
 22-Jun-20150.1123
 20-Mar-20150.1644
 22-Dec-20140.1681
 22-Sep-20140.1823

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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