Can I invest in SIP and Lumpsum in Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) Direct Growth?

Yes, you can invest both lumpsum and SIP in Kotak FMP - Series 304 - 3119 Days - Direct (IDCW). Minimum lumpsum investment Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) is ₹5,000 and minimum SIP amount is 0% . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

What is the NAV of Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) Direct Growth?

The latest NAV ( Net Asset Value ) of Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) is Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) is ₹12.58 as on 2025-06-13.

Which are the biggest stock holdings of Kotak FMP - Series 304 - 3119 Days - Direct (IDCW)?

The 5 biggest stock holdings of Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) are: GSEC2031 (59.65%), GSEC2031 (18.28%), GSEC2031 (15.05%), GSEC2031 (4.75%), TREPS (1.96%)

What are the top sectors Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) invests in?

A majority of Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) 's AUM worth ₹117.35 (Cr) is invested in these 3 top sectors: There is no data for Top 3 sector holdings in the portfolio!

Mutual Funds
AMC
Kotak FMP - Series 304 - 3119 Days - Direct (IDCW)

Kotak FMP - Series 304 - 3119 Days - Direct (IDCW)

Fixed Maturity Plans

Invest Now

NAV
12.58(-0.15%)
Fund Size (CR)
₹117.35
Expense Ratio
-
Scheme Type
Active Fund
Value Research

Min. investment
₹5,000
Minimum Additional Investment
₹0
Minimum SIP Investment
₹undefined
Minimum Withdrawal
₹0
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
0%
Return Since Launch
9.80%

Absolute Return: 3.92%

Annualized Return: 0%

Basic Details

Scheme Manager

Deepak Agrawal

Bench Mark

NIFTY Long Duration Debt Index

Type

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	6 June 2025	9872.77	-1.27%	-	-0.05%	344/347
1 Month	13 May 2025	10034.22	0.34%	-	0.79%	344/347
3 Month	13 March 2025	10403.71	4.04%	-	2.64%	7/347
6 Month	13 December 2024	10595.90	5.96%	-	4.36%	7/347
1 Year	13 June 2024	11146.00	11.46%	11.46%	8.63%	7/347
3 Year	-	-	0%	-	8.13%	-/-
5 Year	-	-	0%	-	6.15%	-/-
Since Inception	30 December 2022	12578.60	25.79%	9.80%	7.29%	5/347

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	1 July 2024	1,20,000	126597.39	5.50%	5.50%
3 Year	-	-	-	-	-
5 Year	-	-	-	-	-
10 Year	-	-	-	-	-

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

0.69%

Standard Deviation

0.11%

Beta

1.58%

Sharpe Ratio

1.00%

Treynor's Ratio

3.08%

Jension's Alpha

Asset Allocation

Sector Allocation

There is no Sector Allocation data

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
There's no data available of Stock Holdings

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Kotak FMP - Series 304 - 3119 Days - Direct (IDCW)	117.35	0.34%	4.04%	5.96%	11.46%	-
HDFC FMP 2638D February 2023-Sr.47-Direct (IDCW-Q)	161.52	0.74%	4.31%	6.14%	11.87%	-
HDFC FMP 2638D February 2023-Sr.47-Direct (G)	161.52	0.74%	4.31%	6.14%	11.86%	-
Kotak FMP - Series 304 - 3119 Days - Direct (G)	117.35	0.34%	4.04%	5.96%	11.46%	-
Kotak FMP - Series 304 - 3119 Days - Direct (IDCW)	117.35	0.34%	4.04%	5.96%	11.46%	-
SBI FMP - Series 34 (3682Days) - Direct (G)	28.44	0.78%	4.01%	5.82%	11.01%	9.57%

List of Schemes under Kotak Mahindra Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
Kotak Bluechip Fund	Equity	Very High	6.38%	4	₹10,138.03
Kotak Bond Fund	Debt	Moderately Low	9.58%	3	₹2,131.27
Kotak Bond - Short Term Fund	Debt	Moderate	9.91%	3	₹17,540.57
Kotak India EQ Contra Fund	Equity	Very High	3.42%	3	₹4,283.33
Kotak Emerging Equity Fund	Equity	Very High	7.93%	4	₹53,463.94
Kotak Dynamic Bond Fund	Debt	Moderate	9.53%	3	₹2,882.64
Kotak Savings Fund	Debt	Moderate	7.95%	3	₹15,401.47
Kotak Money Market Scheme	Debt	Moderate	8.26%	4	₹31,657.18
Kotak Gilt-Invest Plan	Debt	Moderately Low	8.13%	2	₹3,867.94
Kotak Banking and PSU Debt Fund	Debt	Moderate	9.75%	3	₹6,212.89
Kotak Gold Fund	Other	High	36.96%	2	₹3,099.36
Kotak Credit Risk Fund	Debt	High	8.73%	1	₹704.00
Kotak Liquid	Debt	Moderate	7.32%	3	₹36,087.85
Kotak Small Cap Fund	Equity	Very High	2.02%	2	₹17,329.27
Kotak Equity Opportunities Fund	Equity	Very High	2.52%	4	₹27,046.44
Kotak Flexi Cap Fund	Equity	Very High	6.35%	3	₹52,532.92
Kotak ELSS Tax Saver Fund	Equity	Very High	-0.07%	3	₹6,266.40
Kotak Infrastructure & Economic Reform-SP	Equity	Very High	-4.34%	4	₹2,402.04
Kotak Low Duration Fund - Standard Plan	Debt	Moderate	8.78%	1	₹12,913.39
Kotak Equity Arbitrage Fund	Hybrid	Low	7.8%	4	₹67,362.14
Kotak Multi Asset Allocator FoF - Dynamic	Other	High	9.14%	4	₹1,798.99
Kotak Global Emerging Market Fund	Other	Very High	12%	0	₹93.43
Kotak Corporate Bond Fund	Debt	Moderately Low	9.99%	4	₹16,661.30
Kotak Gilt-Invest Plan	Debt	Moderately Low	8.13%	3	₹3,867.94
Kotak Debt Hybrid	Hybrid	Moderately High	7.99%	4	₹3,129.28
Kotak Medium Term Fund	Debt	Moderate	10.69%	3	₹1,911.59
Kotak Equity Savings Fund	Hybrid	Moderately High	6.5%	4	₹8,254.19
Kotak Equity Hybrid	Hybrid	Very High	7.76%	4	₹7,413.46
Kotak Balanced Advantage Fund	Hybrid	Very High	9.08%	4	₹17,342.95
Kotak Yearly Interval Plan - Sr.1 - Reg	Debt	Moderately Low	0%	0	₹0.00
Kotak Overnight Fund	Debt	Low	6.48%	4	₹6,260.53
Kotak Floating Rate Fund	Debt	Moderately Low	9.84%	2	₹3,311.95
Kotak Focused Equity Fund	Equity	Very High	5%	3	₹3,536.44
Kotak Pioneer Fund	Equity	Very High	8.73%	0	₹2,807.23
Kotak ESG Exclusionary Strategy Fund	Equity	Very High	2.72%	0	₹875.25
Kotak International REIT FOF	Other	Very High	15.33%	0	₹65.05
Kotak NASDAQ 100 Fund of Fund	Other	Very High	14.72%	0	₹3,157.70
Kotak Nifty Next 50 Index Fund	Other	Very High	-4.92%	3	₹643.16
Kotak Nifty 50 Index Fund	Other	Very High	6.42%	2	₹899.91
Kotak Global Innovation Fund of Fund	Other	Very High	10.38%	0	₹497.36
Kotak FMP - Series 292 - 1735 Days	Debt	Moderately Low	8.58%	0	₹460.70
Kotak Multicap Fund	Equity	Very High	3.3%	4	₹17,943.32
Kotak Manufacture in India Fund	Equity	Very High	-0.05%	0	₹2,429.24
Kotak Nifty SDL Apr 2027 Top 12 Equal Weight Index Fund	Other	Moderate	9.39%	0	₹7,693.14
Kotak Nifty SDL Apr 2032 Top 12 Equal Weight Index Fund	Other	Moderate	11.13%	0	₹3,071.52
Kotak Business Cycle Fund	Equity	Very High	10.18%	0	₹2,728.93
Kotak Nifty SDL Plus AAA PSU Bond Jul 2028 60:40 Index Fund	Other	Moderate	10.09%	0	₹577.39
Kotak Nifty SDL Plus AAA PSU Bond Jul 2033 60:40 Index Fund	Other	Moderate	0%	0	₹0.00
Kotak Income Plus Arbitrage FOF	Other	Moderately High	9.52%	0	₹2,259.98
Kotak FMP - Series 300 - 1223 Days	Debt	Moderate	8.36%	0	₹250.24
Kotak Nifty SDL Jul 2026 Index Fund	Other	Moderately Low	8.61%	0	₹103.34
Kotak FMP - Series 304 - 3119 Days	Debt	Moderate	11.46%	0	₹117.35
Kotak FMP - Series 305 - 1200 Days	Debt	Moderately Low	8.19%	0	₹34.93
Kotak Banking & Financial Services Fund	Equity	Very High	14.28%	0	₹1,212.57
Kotak Nifty SDL Jul 2033 Index Fund	Other	Moderate	11.36%	0	₹213.36
Kotak Silver ETF Fund of Fund	Other	Very High	19.75%	0	₹104.76
Kotak Nifty Smallcap 50 Index Fund	Other	Very High	5.71%	0	₹129.81
Kotak FMP - Series 308 - 1125 Days	Debt	Very High	9.23%	0	₹97.56
Kotak FMP - Series 310 - 1131 Days	Debt	Moderate	8.37%	0	₹130.18
Kotak FMP - Series 312 - 90 Days	Debt	Moderately Low	0%	0	₹0.00
Kotak Nifty 200 Momentum 30 Index Fund	Other	Very High	-12.1%	0	₹447.33
Kotak FMP - Series 313 - 180 Days	Debt	Moderate	0%	0	₹0.00
Kotak Quant Fund	Equity	Very High	-4.54%	0	₹658.91
Kotak Nifty Financial Services Ex-Bank Index Fund	Other	Very High	22.54%	0	₹55.39
Kotak BSE Housing Index Fund	Other	Very High	-6.36%	0	₹17.14
Kotak Multi Asset Allocation Fund - Reg	Hybrid	Very High	5.76%	0	₹7,947.03
Kotak Nifty G-Sec July 2033 Index Fund	Other	Moderate	11.07%	0	₹21.42
Kotak Consumption Fund	Equity	Very High	8.07%	0	₹1,247.64
Kotak Healthcare Fund	Equity	Very High	15.63%	0	₹434.55
Kotak Technology Fund	Equity	Very High	13.89%	0	₹581.22
Kotak Long Duration Fund	Debt	Moderate	8.43%	0	₹208.30
Kotak Nifty AAA Bond Jun 2025 HTM Index Fund	Other	Moderately Low	7.58%	0	₹102.05
Kotak FMP - Series 330 - 98 Days	Debt	Low	0%	0	₹0.00
Kotak Nifty 100 Low Volatility 30 Index Fund	Other	Very High	4.75%	0	₹105.71
Kotak Special Opportunites Fund	Equity	Very High	0%	0	₹2,089.45
Kotak BSE PSU Index Fund	Other	Very High	0%	0	₹79.07
Kotak NIFTY Midcap 50 Index Fund	Other	Very High	0%	0	₹55.65
Kotak CRISIL-IBX AAA Financial Services Index-Sep 2027 Fund	Other	Moderate	0%	0	₹406.04
Kotak Nifty India Tourism Index Fund	Other	Very High	0%	0	₹28.83
Kotak MNC Fund	Equity	Very High	0%	0	₹2,241.81
Kotak NIFTY Midcap 150 Momentum 50 Index Fund	Other	Very High	0%	0	₹216.34
Kotak Transportation & Logistics Fund	Equity	Very High	0%	0	₹391.48
Kotak Nifty 100 Equal Weight Index Fund	Other	Very High	0%	0	₹11.08
Kotak Nifty 50 Equal Weight Index Fund	Other	Very High	0%	0	₹11.95
Kotak Nifty SmallCap 250 Index Fund	Other	Very High	0%	0	₹24.97
Kotak BSE Sensex Index Fund	Other	Very High	0%	0	₹9.88
Kotak CRISIL-IBX AAA Bond Financial Services Index-Dec 2026 Fund	Other	Moderate	0%	0	₹51.61
Kotak Nifty Commodities Index Fund	Other	Very High	0%	0	₹4.77
Kotak CRISIL-IBX Financial Services 3-6 Months Debt Index Fund	Other	Moderately Low	0%	0	₹583.57
Kotak Nifty Midcap 150 Index Fund	Other	Very High	0%	0	₹5.43
Kotak Energy Opportunities Fund	Equity	Very High	0%	0	₹184.37
Kotak Nifty Top 10 Equal Weight Index Fund	Other	Very High	0%	0	₹12.92

News

Kotak Nifty AAA Bond Jun 2025 HTM Index Fund Merger into Kotak Income Plus Arbitrage FOF
Kotak Mahindra Mutual Fund has approved the merger of Kotak Nifty AAA Bond Jun 2025 HTM Index Fund Merger into Kotak Income Plus Arbitrage FOF, with effect from 30 June 2025.
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Kotak Mahindra Mutual Fund announces change in Key Personnel
Kotak Mahindra Mutual Fund has announced that Mr. Sunil Pandey has been appointed as a Debt - Fund Manager and Dealer on the Board of the Trustee Company with effect from June 01, 2025.
Details of Mr. Sunil Pandey
Age: 42
Designation: Debt - Fund Manager and Dealer
Qualification : Masters in Financial Management
Experience : 22
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Kotak Mahindra Mutual Fund announces change in fund manager under its schemes

Kotak Mahindra Mutual Fund has announced change in fund manager under the following schemes, with effect from 01 June 2025.

Change in Fund Manager:

Name of the Scheme(s)	Existing Fund Manager	Revised Fund Manager
Kotak Liquid Fund & Kotak Overnight Fund	Mr. Deepak Agrawal	Mr. Deepak Agrawal and Mr. Sunil Pandey
Kotak Low Duration Fund	Mr. Deepak Agrawal and Mr. Manu Sharma	Mr. Deepak Agrawal and Mr. Sunit Garg
Kotak Banking and PSU Debt Fund	Mr. Deepak Agrawal and Mr. Abhishek Bisen	Mr. Deepak Agrawal and Mr. Dharmesh Thakar
Kotak Medium Term Fund	Mr. Deepak Agrawal and Mr. Sunit Garg	Mr. Deepak Agrawal and Mr. Vihag Mishra

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Fund House Details & Investment Objective

Date of Incorporation

27 December 2022

Total AUM (Cr)

₹117.35

Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) is an Fixed Maturity Plans-oriented fund from the renowned AMC, Kotak Mahindra Mutual Fund. Launched in 27 December 2022, this fund is managed by Deepak Agrawal. With assets under management (AUM) worth ₹117.35 (Cr), as of 13 June 2025, Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) is categorized as a Fixed Maturity Plans within its segment. The fund has generated a return of 9.80% since its launch.
The current NAV of Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) is ₹12.58, as on 13 June 2025. The fund's benchmark index is NIFTY Long Duration Debt Index. You can invest in Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) via both lumpsum and SIP modes. The minimum SIP amount in the fund is - while the minimum lumpsum investment is ₹5,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
Nil The fund has generated undefined% and undefined% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 99.69% in Debt and 0.31% in cash and cash equivalents.

FAQs

How to Invest in Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) Direct Growth?

Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) is a popular fund in the Fixed Maturity Plans segment. The fund has generated a return of 9.80% since inception. Looking to invest in Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) How about earning 1% extra return? All this is possible with m.Stock! Investing in Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage on Mutual Funds, Delivery & IPO.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, Kotak FMP - Series 304 - 3119 Days - Direct (IDCW)
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Use the Lumpsum Calculator to estimate returns, then enter the investment amount, select the payment mode mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route: Utilize the SIP Calculator to forecast potential growth, then enter the SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) today and reap the benefits of this Fixed Maturity Plans fund!

How much returns has Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) Direct Growth generated?

In the short term, i.e., 1 year, Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) has generated annualised return of 11.46%. In the long-term, the fund has generated undefined% and - in 3 and 5 years respectively. Since its inception, the fund has generated 9.80% returns.

What is the expense ratio of Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) Direct Growth?

The expense ratio of Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) Direct Growth is undefined%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) Fund Direct Growth?

The Assets Under Management (AUM) of Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) is ₹117.35 (Cr) as of 2025-06-13 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) Direct Growth?

Redeeming or selling units of Kotak FMP - Series 304 - 3119 Days - Direct (IDCW) is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from Kotak FMP - Series 304 - 3119 Days - Direct (IDCW):

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case Kotak FMP - Series 304 - 3119 Days - Direct (IDCW)).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).