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5 star

Kotak Debt Hybrid Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.45 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.45 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 13.31 -0.14 0.21 -0.34 2.41 6.66 15.32 13.10 9.39 9.50 10.37
VR MIP TRI 10.44 -0.46 0.39 -1.10 0.55 5.28 13.12 10.42 9.54 8.53 9.63
Hybrid: Conservative Hybrid 9.93 -0.16 0.25 -0.10 1.40 5.13 11.78 8.45 7.11 7.51 8.97
Rank within category 6 15 19 21 6 8 9 1 2 2 4
Number of funds in category 33 36 36 36 36 36 33 30 30 28 27

As on 03-Dec-2021

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
5 star
Dec-03 15.32 13.10 9.39 1.90% 1,160
SBI Debt Hybrid Fund  | Invest Online
4 star
Mar-01 15.88 12.18 8.35 1.10% 4,369
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 10.97 10.37 9.38 1.73% 3,384
Canara Robeco Conservative Hybrid Fund - Regular Plan  | Invest Online
5 star
Apr-01 11.39 11.53 8.85 1.87% 959
HDFC Hybrid Debt Fund  | Invest Online
3 star
Dec-03 15.68 10.48 7.72 1.86% 2,676

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) 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 29.40 23-Mar-2020 - 23-Mar-2021 -13.30 12-Mar-2008 - 12-Mar-2009

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 12.47 6.09 1.43 1.54 0.84 3.45
VR MIP TRI 10.03 6.79 0.92 1.13 -- --
Hybrid: Conservative Hybrid 8.30 6.29 0.83 0.97 0.68 0.29
Rank within category 1 18 3 3 24 2
Number of funds in category 30 30 30 30 30 30

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

As on 30-Nov-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 52
Number of Bonds 86
Average Maturity (yrs) 7.48
Top 10 Holdings (%) 46.73
Portfolio P/B Ratio 3.34
Portfolio P/E Ratio 25.94

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 GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 1.35 - 19.54 19.54
down 6.64% GOI 16/06/2035 GOI Securities SOV 0.00 - 13.27 5.92
up GOI 2031 GOI Securities SOV 0.00 - 3.93 3.93
equal 7.39% THDC India Ltd. 25/08/2031 Debenture AA 0.00 - 4.31 3.47
equal 6.44% HDFC Bank 27/09/2028 Non Convertible Debenture AAA 0.00 - 3.33 2.99
new GOI 2028 GOI Securities SOV 0.00 - 2.49 2.49
equal Power Finance Corporation 22/01/2031 Floating Rate Debenture AAA 0.00 - 6.12 2.19
new 6.25% Embassy Office Parks REIT 18/10/2024 Debenture AAA 0.00 - 2.15 2.15
up 6.67% GOI 15/12/2035 GOI Securities SOV 0.00 - 2.12 2.12
equal 6.82% Maharashtra State 23/11/2026 State Development Loan SOV 0.00 - 2.51 1.77
equal GOI 22/08/2028 GOI Securities SOV 0.00 - 1.53 1.38
equal 6.72% Kerala State 24/03/2027 State Development Loan SOV 0.00 - 2.71 1.10
equal 6.75% Bihar State 2027 State Development Loan SOV 0.00 - 1.24 0.88
equal 7.04% GOI 17/06/2027 GOI Securities SOV 0.00 - 0.59 0.53
equal 8.27% Rajasthan State 23/06/2023 State Development Loan SOV 0.45 - 1.71 0.45
equal 8.85% Power Finance Corporation 25/05/2029 Bonds/NCDs AAA 0.43 - 1.60 0.43
equal 7.48% Indian Railway Finance Corporation 13/08/2029 Non Convertible Debenture AAA 0.38 - 1.41 0.38
equal 8.42% Tamilnadu State 25/07/2023 State Development Loan SOV 0.32 - 1.21 0.32
equal 6.76% GOI 22/02/2061 GOI Securities SOV 0.00 - 10.28 0.26
equal GOI 22/08/2029 GOI Securities SOV 0.00 - 0.27 0.25
equal GOI 22/02/2030 GOI Securities SOV 0.00 - 0.26 0.24
equal GOI 22/08/2030 GOI Securities SOV 0.00 - 0.26 0.23
equal 9.48% Power Finance Corporation 15/04/2022 Bonds AAA 0.16 - 0.61 0.16
equal GOI 22/02/2036 GOI Securities SOV 0.00 - 0.17 0.15
equal GOI 22/08/2036 GOI Securities SOV 0.00 - 0.16 0.15

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
equal ICICI Bank Financial 23.44 2.62 1.58 1.93
equal State Bank of India Financial 14.74 1.83 0.76 1.83
equal HDFC Bank Financial 24.50 1.87 0.00 1.50
equal ITC FMCG 19.14 2.32 1.09 1.24
down Bharti Airtel Communication 139.49 1.26 0.00 1.05
equal Maruti Suzuki India Automobile 51.80 1.31 0.00 0.96
up Emami FMCG 43.61 1.15 0.50 0.87
equal Reliance Industries Ltd - Partly Paid Equity Energy -- 0.85
equal Persistent Systems Technology 57.99 1.10 0.00 0.83
equal Kotak Mahindra Bank Financial 38.01 0.86 0.00 0.79
equal Pokarna Construction 47.10 0.81 0.00 0.78
equal Reliance Industries Energy 31.17 1.72 0.00 0.74
equal NTPC Energy 9.21 0.92 0.00 0.70
equal Axis Bank Financial 20.63 1.20 0.55 0.55
equal Century Plyboards (India) FMCG 49.17 0.63 0.00 0.51
equal Firstsource Solutions Services 27.62 0.70 0.00 0.50
equal Greenply Inds. FMCG 28.19 0.62 0.00 0.48
equal United Spirits FMCG 77.06 0.47 0.00 0.47
equal Zee Entertainment Services 28.99 0.63 0.00 0.45
equal Subros Automobile 36.82 0.54 0.00 0.41
equal Barbeque-Nation Hospitality Services -- 0.52 0.00 0.38
equal United Breweries FMCG 119.51 0.61 0.00 0.36
up Infosys Technology 34.93 1.08 0.00 0.30
new Tata Consultancy Services Technology 36.81 0.29 0.00 0.29
equal KSB Engineering 30.92 0.58 0.00 0.29

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-Oct-2021

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:


-0.14%

Change from previous, NAV as on 03-Dec-2021

Growth: ₹ 42.8198

IDCW Monthly: ₹ 13.1282


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
Lock-in Period Not Applicable
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: 8.41%
Benchmark: CRISIL Hybrid 85+15 Conservative Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,160 Cr (As on 31-Oct-2021)
Expense: 1.90% (As on 31-Oct-2021)
Risk Grade: Average
Return Grade: High
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly12-Nov-20210.1126

 12-Oct-20210.1038
 13-Sep-20210.1129
 12-Aug-20210.1086
 12-Jul-20210.0990
 14-Jun-20210.1146
 12-May-20210.1030
 12-Mar-20210.0832
 12-Feb-20210.0917
 12-Jan-20210.0845
 14-Dec-20200.0636
 12-Nov-20200.0607
 12-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
IDCW Quarterly21-Jun-20210.2942

 22-Mar-20210.2468
 22-Dec-20200.1881
 21-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

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: https://www.kotakmf.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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