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Kotak Low Duration Fund - Standard Plan download report

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Debt: Low Duration

Analysts' Choiceunlock it

1 Lakh

Investment Grown to
₹ 1.03 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.21 Lakh

Suitability:

"Low Duration debt funds invest in bonds maturing in six months to a year. They aim to earn slightly better returns than what you can get from a bank account or a short duration fixed deposit. The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital. Retail investors can avoid these funds altogether. Here's why. Debt funds are very finely classified depending upon the maturity of the bonds they invest in. For instance, there's a different category of funds that invests in bonds of up to three months maturity, from the one that invests in bonds maturing in three to six months, and so on. We believe that such a nuanced classification adds little value to retail investors. They can avoid this complexity and simply invest the money they don't need for up to a year in a Liquid fund."

Taxability of earnings:

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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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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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
Kotak Low Duration Standard-G 1.57 0.02 0.01 0.41 1.12 1.26 2.89 5.38 6.15 6.85 7.39
CCIL T Bill Liquidity Weight 1.19 -0.02 0.07 0.20 0.64 1.04 1.99 2.59 3.27 3.63 4.21
Debt: Low Duration 1.88 0.04 0.06 0.38 1.12 1.58 3.72 5.23 5.31 6.08 6.95
Rank within category 21 22 22 6 15 21 19 7 3 2 --
Number of funds in category 22 22 22 22 22 22 22 22 22 21 18

As on 08-Aug-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Kotak Low Duration Fund - Standard Plan  | Invest Online
3 star
 Mar-08 2.89 5.38 6.15 1.18 6,624
Aditya Birla Sun Life Low Duration Fund  | Invest Online
4 star
 May-98 3.32 5.35 6.09 1.21 11,978
Nippon India Low Duration Fund  | Invest Online
4 star
 Mar-07 3.44 5.57 5.97 1.04 7,657
Axis Treasury Advantage Fund
4 star
 Oct-09 3.50 5.35 6.29 0.61 5,352
DSP Low Duration Fund - Regular Plan
4 star
 Mar-15 3.31 5.41 6.04 0.63 3,146

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 1.76 24-Mar-2020 - 31-Mar-2020 -1.38 09-Jul-2013 - 16-Jul-2013
Month 2.12 24-Mar-2020 - 23-Apr-2020 -3.41 24-Sep-2008 - 24-Oct-2008
Quarter 4.46 24-Mar-2020 - 24-Jun-2020 -2.37 24-Jul-2008 - 23-Oct-2008
Year 10.73 13-Jan-2012 - 14-Jan-2013 2.57 07-Jun-2021 - 07-Jun-2022

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Kotak Low Duration Standard-G 5.35 1.36 1.36 2.61 1.10 2.85
CCIL T Bill Liquidity Weight 2.60 0.34 -2.61 -4.87 -- --
Debt: Low Duration 5.22 2.12 1.27 2.91 0.72 2.37
Rank within category 7 16 13 14 12 11
Number of funds in category 22 22 22 22 22 22

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

As on 31-Jul-2022

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 60 99 56 53
Modified Duration (yrs) 0.51 1.07 0.51 0.59
Average Maturity (yrs) 2.25 2.41 1.95 0.92
Yield to Maturity (%) 6.83 6.83 4.58 6.28
Avg Credit Rating AAA -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 5.34 - 10.04 10.04
equal 6.51% GOI 2024 GOI Securities SOV 3.53 - 7.74 7.74
equal Shriram Transport Finance Company 28/04/2023 Debenture AA+ 2.43 - 4.58 4.58
up 6.40% Embassy Office Parks REIT 15/02/2024 Debenture AAA 1.62 - 3.73 3.73
equal Vedanta 364-D 21/03/2023 Commercial Paper A1+ 0.00 - 3.60 3.60
equal Axis Bank 2022 Certificate of Deposit A1+ 0.00 - 2.96 2.96
new Indian Bank 2023 Certificate of Deposit A1+ 0.00 - 2.94 2.94
down Reserve Bank of India 182-D 08/09/2022 Treasury Bills SOV 0.00 - 5.85 2.74
equal REC 31/10/2024 Non Convertible Debenture AAA 0.00 - 2.43 2.43
equal HDFC 155-D 27/10/2022 Commercial Paper A1+ 0.00 - 2.23 2.23
equal Power Finance Corporation 2024 Floating Rate Debenture AAA 1.33 - 2.20 2.20
equal Piramal Enterprises 364-D 06/01/2023 Commercial Paper A1+ 0.00 - 2.19 2.19
equal GOI 2028 GOI Securities SOV 0.00 - 1.98 1.98
equal HDFC 30/09/2024 Debenture AAA 0.00 - 1.89 1.89
new Reserve Bank of India 182-D 10/11/2022 Treasury Bills SOV 0.00 - 1.86 1.86
equal Shriram Transport Finance Company 16/06/2023 Non Convertible Debenture AA+ 0.89 - 1.70 1.70
down Axis Bank 2022 Certificate of Deposit A1+ 0.00 - 2.12 1.57
equal 8.55% L&T Finance 29/11/2022 Non Convertible Debenture AAA 0.84 - 1.52 1.52
equal HDB Financial Services 2024 Floating Rate Debenture AAA 0.80 - 1.52 1.52
equal 6.15% Aditya Birla Finance 30/05/2023 Debenture AAA 0.82 - 1.50 1.50
equal Bahadur Chand Investments 2024 Zero Coupon Bonds AA 0.80 - 1.50 1.50
equal 6.45% Mindspace Business Parks REIT 16/12/2023 Zero Coupon Bonds AAA 0.81 - 1.50 1.50
equal HDFC Bank 2022 Certificate of Deposit A1+ 0.00 - 1.49 1.49
new Reserve Bank of India 182-D 15/12/2022 Treasury Bills SOV 0.00 - 1.48 1.48
equal 6.17% Muthoot Finance 23/02/2024 Floating Rate Bond AA+ 0.00 - 1.48 1.48

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-2022

Fund Manager

— Deepak Agrawal since 31-Jan-2015

Education: Mr. Agrawal is Post Graduate in Commerce from Mumbai University, Chartered Accountant, Company Secretary and CFA.

Experience: He has been associated with Kotak AMC since 2000.

Funds Managed:

Invest Online
0.02%

Change from previous, NAV as on 08-Aug-2022

Growth: ₹ 2,746.8084

IDCW: ₹ 1,046.9889

Investment Strategy

The scheme seeks to generate income through investment in low duration debt and money market securities.

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 1,000
Min. No of Cheques 6
Min. Withdrawal (₹) 1,000
Min. Balance (₹) 1,000
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: Kotak Mahindra Mutual Fund
Launch Date: 06-Mar-2008
Return Since Launch: 7.25%
Benchmark: NIFTY Low Duration Debt Index B-I
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 6,624 Cr (As on 31-Jul-2022)
Expense Ratio: 1.18% (As on 30-Jun-2022)
Risk Grade: Average
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW13-Sep-20215.0225

 12-Aug-20214.5186
 12-Jul-20211.7043
 14-Jun-20214.4292
 12-May-20214.6053
 12-Apr-20214.8252
 12-Mar-20211.1543
 12-Jan-20212.8081
 14-Dec-20204.0380
 12-Nov-20205.9318
 12-Oct-20206.4368
 14-Sep-20204.5163
 12-Aug-20203.8469
 13-Jul-202015.1201
 12-Jun-202013.1439
 12-May-20207.1245
 13-Apr-20203.0103
 12-Mar-20201.5646
 12-Feb-20205.8048
 13-Jan-20204.7468
 12-Dec-20193.6392
 13-Nov-20195.8972
 15-Oct-20195.0127
 14-Oct-20195.0127
 12-Sep-20196.0293
IDCW Weekly13-Sep-20210.4116

 07-Sep-20211.4016
 31-Aug-20210.9531
 24-Aug-20211.1425
 18-Aug-20211.4906
 10-Aug-20210.7464
 03-Aug-20210.8483
 27-Jul-20211.0631
 20-Jul-20211.4035
 13-Jul-20210.7171
 06-Jul-20210.6011
 29-Jun-20210.3503
 22-Jun-20210.0207
 15-Jun-20210.7223
 08-Jun-20211.2611
 01-Jun-20211.1210
 25-May-20210.8167
 18-May-20210.7556
 11-May-20210.6539
 04-May-20211.5921
 27-Apr-20211.0992
 20-Apr-20210.9195
 15-Apr-20210.7383
 06-Apr-20211.0996
 31-Mar-20212.2879

Contact Information

AMC: Kotak Mahindra Asset Management Company Ltd

Address: The Capital Building, Behind ICICI Bank, G Block BKC, Bandra Kurla Complex Bandra (E) Mumbai - 400051

Phone: 022-61152100 / 1800-22-2626

Fax: 022-66384455

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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