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  • Kotak Gilt Investment Fund Provident Fund and Trust of Income Dis cum Cap wdrl (RIDCW-Q)
Kotak Mutual Fund

Kotak Gilt Investment Fund Provident Fund and Trust of Income Dis cum Cap wdrl (RIDCW-Q)

DebtGilt

11.9784

NAV (Oct 21)

8.5%
3 Year CAGR
Scripbox Opinion

Neutral

Click here for top ranked funds in gilt mutual funds.

However, Scripbox does not recommend investing in gilt mutual funds.

Gilt Funds are mandated to invest a minimum of 80% of their total assets in Government Securities.

Such a strategy results in a very high credit quality of the fund.

Gilt Funds tend to take a large exposure to long dated instruments making them highly volatile when interest rate changes.We do not recommend funds in this category since we believe that the high volatility of the category is not suited for individual investors.

Scripbox does not recommend investing in the dividend option of a fund because dividends are taxable at a higher rate than withdrawals.

Our analysis of this fundLearn how we rate funds ->

Track Record

18 Years. The fund has an Extended history for analysis and the track record is excellent.

Relative Size

1,916 Cr. Medium within the category

Impact of Interest Rate Changes

Highest Interest Rate Risk. The impact on fund value is very high when interest rates change

Credit Quality Of Fund's Portfolio

Lowest Credit Risk. The fund has a very high credit quality compared to other debt funds

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Short Term Money

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  • graph-icon-gray
    Historical growth rate of 6.5% per annum
  • graph-icon-gray
    Recommended Duration 1 - 5 years
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    No Lock-in
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    Expert Investing Only, Car, Down Payment

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Historical NAV

11.9784

NAV (Oct 21)

Fund Returns

Last 1Y
5%
Last 3Y
8.5%
Last 5Y
5.6%
Last 10Y
7.3%
Since Inception
6.4%
6 Month CAGR
3.7%
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Scheme Information

Investment Objective

The objective of the Plan is to generate risk-free returns through investments in sovereign securities issued by the Central Government and/or State Government(s) and/or any security unconditionally guaranteed by the Government of India,and/or reverse repos in such securities as and when permitted by RBI. A portion of the fund may be invested in Reverse repo,CBLO and/or other similar instruments as may be notified to meet the day-to-day liquidity requirements of the Plan. To ensure total safety of Unit holders' funds,the Plan does not invest in any other securities such as shares,debentures or bonds issued by any other entity. The Fund will seek to underwrite issuance of Government Securities if and to the extent permitted by SEBI/ RBI and subject to the prevailing rules and regulations specified in this respect and may also participate in their auction from time to time.

Low

Low to Moderate

Moderate

Moderately High

High

Very High

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Moderate Risk

Expense Ratio
1.46
Launched (18y ago)
Nov 11, 2003
AUM in Crores
1915.018
ISIN
INF174K01FM7
Lock-in
No Lock-in
Benchmark
Nifty All Duration G-Sec Index PR INR
SIP Minimum
1000
Lumpsum Min.
5000
Fund Managers
user-avatar

Abhishek Bisen

Fund Manager

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Returns Calculator Comparison

of

for

with step up of

InstrumentReturnsTotal CorpusGainsAnnualised %
Mutual Fund70%₹ 9,65,796 ₹ 2,33,18411.25%
EPF70% ₹ 9,00,761 ₹ 1,68,1498.50%
Property70% ₹ 8,67,662 ₹ 1,35,0507.00%
PPF70% ₹ 8,69,819 ₹ 1,37,2077.10%
Bank FD70% ₹ 8,46,471 ₹ 1,13,8596.00%
Gold70% ₹ 8,46,471 ₹ 1,13,8596.00%
Savings Bank70% ₹ 8,25,950 ₹ 93,3385.00%

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully before investing. Past performance is not an indicator of future returns.

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Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

  • Inflation beating returns
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    Expert Investing Only, Car, Down Payment
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comparison

Comparison with Debt Funds

Fund NameScripbox OpinionFund SizeTrack Record

Kotak Savings Fund (G)

recommended-badge

₹ 13,509 cr

5

recommended-badge

₹ 33,192 cr

5

recommended-badge

₹ 11,590 cr

5

recommended-badge

₹ 33,722 cr

5

recommended-badge

₹ 22,849 cr

5

amc-icon

About the AMC

Kotak Mahindra Asset Management Co Ltd

Kotak Mahindra Asset Management Co Ltd manages assets worth 281,432 crores and was set up on 5 August 1994. It's current offering of mutual fund schemes includes 37 equity,164 debt and 26 hybrid funds.

amc-img

  • tel-amc-about
    022-66384444
  • mail-amc-about
    fundaccops@kotakmutual.com
  • Fund NameScripbox Opinion
    Till Date CAGR
    recommended-badge

    6%

    7.4%

    recommended-badge

    23.3%

    %

    top-ranked-badge

    4.8%

    5.5%

    top-ranked-badge

    5%

    6.1%

    top-ranked-badge

    22.8%

    %

    growth

    Short Term Money

    Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

    • graph-icon-gray
      Historical growth rate of 6.5% per annum
    • graph-icon-gray
      Recommended Duration 1 - 5 years
    • graph-icon-gray
      No Lock-in
    • graph-icon-gray
      Expert Investing Only, Car, Down Payment
    • graph-icon-gray
      One-click investing and tracking
    • graph-icon-gray
      Zero fees for all your investments
    Kotak Savings Fund (Growth)

    Kotak Savings Fund (Growth)

    Debt

    Ultra Short

    ICICI Prudential Savings Fund (Growth)

    ICICI Prudential Savings Fund (Growth)

    Debt

    Low Duration

    Tata Liquid Fund (Growth)

    Tata Liquid Fund (Growth)

    Debt

    Liquid

    How does Scripbox rate funds?

    Proprietary 4-step system to rate mutual funds

    We use a proprietary system to rate mutual funds and based on that make a recommendation or rate the fund as top ranked.

    What Scripbox recommendations mean?
    Scripbox algorithm recommends 2-4 funds for investment for an investment asset class such as large cap, diversified, liquid etc. When you invest for an objective, the algorithm suggests the appropriate asset class and funds.
    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Fund Size

    Fund Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Sub-asset Class View

    Sub-asset Class View

    We check if the sub-category of the fund is recommended by us.

    Fund Performance

    Fund Performance

    Consistency of performance over various tenures is analysed for a relative performance stack.

    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Fund Size

    Fund Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Impact of Interest Rates

    Impact of Interest Rates

    We check the relative interest rate risk of the sub-category of the fund. Lower the better.

    Credit Attractiveness

    Credit Attractiveness

    We check the credit quality of the underlying instruments present in the fund. Higher the better.

    Equity Funds

    Debt Funds

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    About Kotak Gilt Investment Fund Provident Fund and Trust of Income Dis cum Cap wdrl (RIDCW-Q)

    About Kotak Gilt Investment Fund Provident Fund and Trust of Income Dis cum Cap wdrl (RIDCW-Q)

    Kotak Gilt Investment Fund Provident Fund and Trust of Income Dis cum Cap wdrl (RIDCW-Q) is a Gilt Debt fund and has delivered an annualised return of 6.4% over a period of 17 years. . The fund is managed by Kotak Mahindra Asset Management Co Ltd. The fund manager’s name is Abhishek Bisen

    Kotak Gilt Investment Fund Provident Fund and Trust of Income Dis cum Cap wdrl (RIDCW-Q) Investment Objective

    The objective of the Plan is to generate risk-free returns through investments in sovereign securities issued by the Central Government and/or State Government(s) and/or any security unconditionally guaranteed by the Government of India,and/or reverse repos in such securities as and when permitted by RBI. A portion of the fund may be invested in Reverse repo,CBLO and/or other similar instruments as may be notified to meet the day-to-day liquidity requirements of the Plan. To ensure total safety of Unit holders' funds,the Plan does not invest in any other securities such as shares,debentures or bonds issued by any other entity. The Fund will seek to underwrite issuance of Government Securities if and to the extent permitted by SEBI/ RBI and subject to the prevailing rules and regulations specified in this respect and may also participate in their auction from time to time. . However, there is no assurance that the objective of the scheme will be realized.

    Kotak Gilt Investment Fund Provident Fund and Trust of Income Dis cum Cap wdrl (RIDCW-Q) NAV,AUM,Risk

    The Kotak Gilt Investment Fund Provident Fund and Trust of Income Dis cum Cap wdrl (RIDCW-Q) fund was launched on Nov 11, 2003. The NAV (Net Asset Value) of this Gilt Debt fund as of 2021-10-21 is ₹11.98. The total AUM (Asset Under Management) of the fund as of 22/10/2021 is ₹1915.018. The category risk of the Kotak Gilt Investment Fund Provident Fund and Trust of Income Dis cum Cap wdrl (RIDCW-Q) fund is Moderate Risk. The fund charges 1.46 % as expense ratio.

    Kotak Gilt Investment Fund Provident Fund and Trust of Income Dis cum Cap wdrl (RIDCW-Q) Holdings

    The fund’s highest allocation is towards Debt and has invested 91.2% in this asset class. The top three holdings of the fund are , govt stock , triparty repo , 7.88% cg sdl 2027 , 7.33% govt stock 2031 , 6.64% govt stock 2035 , 7.62% ap sdl 2027 , 4.04% govt stock 2028 , 7.92% wb sdl 2027 , 7.80% kl sdl 2027 , 7.74% tn sdl 2027 , 7.59% gj sdl 2027 , gs cg 22/8/2029 - (strips) strips , gs cg 22/2/2029 - (strips) strips , 7.17% gj sdl 2027 , gs cg 22/2/2028 - (strips) strips , gs cg 22/2/2027 - (strips) strips , gs cg 22/08/2027 - (strips) strips , 7.80% jh sdl 2027 , net current assets/(liabilities) , gs cg 22/8/2028 - (strips) strips , 7.85% rj sdl 2027 , 8.21% hr sdl spl 2026 , 06.75 br sdl 2027 , 0% goi- 22022026 strips , 0% goi - 171220267strips , 0% goi - 17062027 strips , gs cg 17/06/2029 - (strips) strips , 0% goi - 17062028 strips , 0% goi - 17122028 strips , gs cg 22/2/2030 - (strips) strips , gs 6.76% cg 22/02/2061 - (strips) strips , gs cg 22/2/2037 - (strips) strips , gs cg 22/8/2030 - (strips) strips , 6.84% tn sdl 2026 , gs cg 22/2/2022 - (strips) strips , 0% goi - 22aug22 strips , 0% goi - 22feb23 strips , gs cg 22/08/2023 - (strips) strips , gs cg 22/2/2036 - (strips) strips , gs cg 22/8/2036 - (strips) strips , gs cg 22/8/2034 - (strips) strips , goi 22.02.2025 gov , gs cg 22/8/2025 - (strips) strips , 06.78 ka sdl 2032 , gs cg 22/08/2039 - (strips) strips , gs cg 22/02/2039 - (strips) strips , gs cg 22/08/2038 - (strips) strips , gs cg 22/02/2038 - (strips) strips , gs cg 22/8/2037 - (strips) strips , gs cg 22/8/2035 - (strips) strips , gs cg 22/2/2035 - (strips) strips , 0% goi- 22082026 strips , gs cg 22/2/2034 - (strips) strips , gs cg 22/8/2033 - (strips) strips , 06.68 hr sdl 2039 , gs cg 22/2/2033 - (strips) strips , gs cg 22/8/2032 - (strips) strips , gs cg 22/2/2032 - (strips) strips , gs cg 22/8/2031 - (strips) strips , gs cg 22/2/2031 - (strips) strips , gs cg 23/12/2025 - (strips) tb , 06.72 kl sdl 2027 , 06.57 ap sdl 2030

    Kotak Gilt Investment Fund Provident Fund and Trust of Income Dis cum Cap wdrl (RIDCW-Q) Sip

    The minimum SIP (Systematic Investment Plan) amount for this is ₹1000 and you can increase this in multiples of ₹ 100. In case you want to invest a lump sum, the minimum amount to be invested is ₹ 5000.

    Kotak Gilt Investment Fund Provident Fund and Trust of Income Dis cum Cap wdrl (RIDCW-Q) Investment volatility and Horizon

    This fund is suited for investors looking to invest for 1-4 years. The asset class is less volatile than equity and the fund is likely to provide stable but slow growth. The fund is benchmarked to Nifty All Duration G-Sec Index PR INR.

    Kotak Gilt Investment Fund Provident Fund and Trust of Income Dis cum Cap wdrl (RIDCW-Q) Review

    Kotak Gilt Investment Fund Provident Fund and Trust of Income Dis cum Cap wdrl (RIDCW-Q) has a score of 3 on a scale of 5. The fund has a score of 5 out of 5 based on historical performance. As compared to the other funds in its category, Kotak Gilt Investment Fund Provident Fund and Trust of Income Dis cum Cap wdrl (RIDCW-Q) has a score of 3out of 5 The credit risk of the fund is 5 out of 5 as compared to other debt funds.

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