Kotak FMP Series 304
Kotak Mahindra Mutual Fund · Fixed Maturity Plan · Regular plan, growth option
NAV (₹), 2 Oct 2026
13.1363
1-day change
-0.15%
1Y return
3.6%
3Y CAGR
7.4%
5Y CAGR
n/a
Max drawdown, 5Y
n/a
NAV history month-end NAV, ₹ · 3 Jan 2023 to 1 Oct 2026
Returns vs Fixed Maturity Plan median (40 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -0.9% | 0.3% |
| 3 months | -0.9% | 1.2% |
| 6 months | 3.1% | 2.8% |
| Year to date | 2.4% | 4.1% |
| 1 year | 3.6% | 5.6% |
| 3 years (CAGR) | 7.4% | 7.3% |
| 5 years (CAGR) | n/a | 6.2% |
| 7 years (CAGR) | n/a | 6.9% |
| 10 years (CAGR) | n/a | n/a |
| Since first NAV (CAGR) | 7.7% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 8.8% | 7.5% |
| 3Y rolling median | 8.1% | 7.3% |
| 3Y rolling worst | 6.9% | 6.2% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | n/a | 6.8% |
| 5Y rolling worst | n/a | 6.2% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 3.0% | 0.9% |
| Sharpe ratio | 0.37 | 0.88 |
| Sortino ratio | 0.54 | 1.66 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −2.1% | −3.5% |
| Maximum drawdown, last 10Y | n/a | n/a |
| Maximum drawdown, last 5Y | n/a | −3.0% |
| Current drawdown | −1.8% | 0.0% |
| Recovery time of worst fall | 67 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | n/a | 0.53% |
| AUM, whole scheme (₹ crore) | 122 | 180 |
| Riskometer | Moderate | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 3.9% | -1.1% TRI |
| Return, 3 years (AMFI) | 7.5% | 4.5% TRI |
Official benchmark: Nifty Long Duration Debt Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Fixed Maturity Plan Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 2.4% | n/a | – |
| 2025 | 7.9% | n/a | – |
| 2024 | 10.0% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,21,876 | 2.9% |
| 3 years | ₹3,60,000 | ₹3,94,066 | 6.0% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
Category: Fixed Maturity Plan
Plan / option: Regular · Growth
AMFI scheme code: 151285
ISIN: INF174KA1LN2
First NAV in MFIC data: 3 Jan 2023
History: 3.7 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| HDFC FMP 2638D February 2023 | Fixed Maturity Plan | 0.97 | 7.3% |
| SBI Fixed Maturity Plan (FMP) - Series 34 (3682 Days) | Fixed Maturity Plan | 0.91 | 7.2% |
| SBI Fixed Maturity Plan (FMP) - Series 6 (3668 Days) | Fixed Maturity Plan | 0.91 | 7.2% |
| SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) | Fixed Maturity Plan | 0.91 | 7.5% |
| BANDHAN FIXED TERM PLAN SERIES - 179 (3652 DAYS) | Fixed Maturity Plan | 0.86 | 7.3% |
| ICICI Prudential Fixed Maturity Plan - Series 85 - 10 Years Plan I | Fixed Maturity Plan | 0.86 | 7.5% |
Questions about Kotak FMP Series 304
- What is the latest NAV of Kotak FMP Series 304?
- The NAV of the Regular plan (growth option) was ₹13.1363 on 2 Oct 2026, as published by AMFI.
- Which category is Kotak FMP Series 304 in?
- It is classified as Fixed Maturity Plan in AMFI's daily NAV file. MFIC compares it with 40 Fixed Maturity Plan schemes (Regular plans).
- What returns has Kotak FMP Series 304 delivered?
- Over one year the NAV changed by 3.6%. The 3-year CAGR is 7.4% (category median 7.3%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 8.1%, the lowest was 6.9%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in Kotak FMP Series 304's NAV?
- The largest peak-to-trough fall in its available history was 2.1%.
- How volatile is Kotak FMP Series 304?
- Its annualised standard deviation of monthly returns over the last 36 months is 3.0%, which is above the Fixed Maturity Plan category median of 0.9%.
- What would a monthly SIP in Kotak FMP Series 304 have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 3 years (36 instalments, ₹3,60,000 invested) would have been worth about ₹3,94,066 on 2 Oct 2026, an annualised return (XIRR) of 6.0%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- How large is Kotak FMP Series 304?
- Assets under management of the whole scheme were ₹122 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Kotak FMP Series 304?
- AMFI lists the scheme's riskometer as “Moderate”, and its benchmark's as “Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of Kotak FMP Series 304 and how has it compared?
- Its official benchmark is the Nifty Long Duration Debt Index. Over 3 years AMFI reports a return of 7.5% for this plan against 4.5% for the benchmark total return index. Past performance does not indicate future results.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 3.6% and the Regular plan's by 3.6%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 2 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.