HDFC FMP 1204D December 2022 vs Kotak FMP Series 305
Direct Plan, Growth option · Data as on 13-04-2026
HDFC FMP 1204D December 2022 is a mutual fund and Kotak FMP Series 305 is a Debt fund. In the 3 years to 04-05-2026, HDFC FMP 1204D December 2022 (Direct) returned 7.0% a year and Kotak FMP Series 305 (Direct) returned 6.9% a year. Their portfolios overlap 68.4%: they hold 1 of the same security.
HDFC FMP 1204D December 2022 is closed. It has not published a NAV since 13-04-2026. Its figures stop there.
Kotak FMP Series 305 is closed. It has not published a NAV since 04-05-2026. Its figures stop there.
HDFC FMP 1204D December 2022
- 3 year return
- 7.0%
- Expense ratio
- 0.15%
- NAV
- ₹12.54
Which is better, HDFC FMP 1204D December 2022 or Kotak FMP Series 305? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- HDFC FMP 1204D December 2022 returned more over 3 years: 7.0% a year against 6.9%.
- HDFC FMP 1204D December 2022 returned more over 1 year: 6.1% against 5.8%.
- HDFC FMP 1204D December 2022 swung less over 3 years: a standard deviation of 0.6% a year against 0.6%.
- HDFC FMP 1204D December 2022 fell less in its worst fall since 27-01-2023: −0.5% against −0.5%.
- HDFC FMP 1204D December 2022 is the larger fund: ₹56 Cr against ₹37 Cr.
- Their portfolios overlap 68.4%: 1 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | HDFC FMP 1204D December 2022 | Kotak FMP Series 305 |
|---|---|---|
| Fund house | HDFC Mutual Fund | Kotak Mahindra Mutual Fund |
| Category | Not available | Debt |
| AUM | ₹56 Cr (31-03-2026) | ₹37 Cr (30-04-2026) |
| NAV | ₹12.54 (Direct) | ₹12.53 (Direct) |
| Expense ratio (Direct) | 0.15% | 0.00% |
| Expense ratio (Regular) | Not available | 0.00% |
| Riskometer | Not available | Low |
| Benchmark | Not available | NIFTY Medium Duration Debt Index |
| Launch date | Not available | 13-01-2023 |
| Minimum investment | Not available | ₹5,000 |
| Lock in | Not available | None |
| Fund managers | Not available | Deepak Agrawal, Manu Sharma |
| Exit load | Not available | Nil |
HDFC FMP 1204D December 2022 vs Kotak FMP Series 305: Returns Comparison
Returns as on 04-05-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| HDFC FMP 1204D December 2022 (Direct) | +0.47% | +1.33% | +2.74% | +6.09% | +6.95% | -- | -- |
| Kotak FMP Series 305 (Direct) | +0.46% | +1.26% | +2.67% | +5.83% | +6.88% | -- | -- |
HDFC FMP 1204D December 2022 vs Kotak FMP Series 305: Year-wise Returns
| Year | HDFC FMP 1204D December 2022HDFC FMP 1204D December 2022 | Kotak FMP Series 305Kotak FMP Series 305 |
|---|---|---|
| 2026to date | +1.55% | +1.77% |
| 2025 | +6.92% | +6.98% |
| 2024 | +7.58% | +7.68% |
| 2023 | +7.26% | -- |
HDFC FMP 1204D December 2022 vs Kotak FMP Series 305: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 49 of them, one for each trading day from 27-01-2026 to 13-04-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
HDFC FMP 1204D December 2022
Kotak FMP Series 305 (Direct)
to
Feb 2026Feb 2023
to
Feb 2026Mar 2023
to
Mar 2026Mar 2023
to
Mar 2026Apr 2023
to
Apr 2026Apr 2023
to
Apr 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| HDFC FMP 1204D December 2022 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6.9% | 6.9% | 6.7% | 7.1% |
| Kotak FMP Series 305 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.2% | 7.2% | 6.9% | 7.5% |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. Every fund is measured over the days all of them have, from 27-01-2023. Past returns do not promise future returns.
HDFC FMP 1204D December 2022 vs Kotak FMP Series 305: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 02-01-2023 to 13-04-2026: 40 instalments, ₹4,00,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| HDFC FMP 1204D December 2022HDFC FMP 1204D December 2022 | ₹4,00,000 | ₹4,45,485 | ₹45,485 | 6.6% |
| Kotak FMP Series 305Kotak FMP Series 305 (Direct) | ₹4,10,000 | ₹4,58,653 | ₹48,653 | 6.8% |
HDFC FMP 1204D December 2022HDFC FMP 1204D December 2022
Kotak FMP Series 305Kotak FMP Series 305 (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
HDFC FMP 1204D December 2022 vs Kotak FMP Series 305: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | HDFC FMP 1204D December 2022 (Direct) | Kotak FMP Series 305 (Direct) |
|---|---|---|
| Return (CAGR) | +5.83% | +5.83% |
| Standard deviation | 0.37% | 0.31% |
| Sharpe ratio | 0.99 | 1.32 |
| Sortino ratio | 1.69 | 2.35 |
| Maximum drawdown | −0.1% (09-05-2025) | −0.1% (23-09-2025) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 11-04-2025 to 13-04-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | HDFC FMP 1204D December 2022 (Direct) | Kotak FMP Series 305 (Direct) |
|---|---|---|
| Return (CAGR) | +6.69% | +6.88% |
| Standard deviation | 0.62% | 0.63% |
| Sharpe ratio | 0.62 | 0.96 |
| Sortino ratio | 0.94 | 1.47 |
| Maximum drawdown | −0.2% (06-10-2023) | −0.2% (06-10-2023) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 13-04-2023 to 13-04-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | HDFC FMP 1204D December 2022 (Direct) | Kotak FMP Series 305 (Direct) |
|---|---|---|
| Return (CAGR) | +6.83% | +7.05% |
| Standard deviation | 0.77% | 0.79% |
| Sharpe ratio | 0.66 | 0.95 |
| Sortino ratio | 1.01 | 1.49 |
| Maximum drawdown | −0.5% (22-02-2023) | −0.5% (28-02-2023) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 27-12-2022 to 13-04-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
HDFC FMP 1204D December 2022
Kotak FMP Series 305 (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| HDFC FMP 1204D December 2022 | −0.5% | 03-02-2023 | 22-02-2023 | 13-03-2023 | 19 days | 0.0% |
| Kotak FMP Series 305 (Direct) | −0.5% | 03-02-2023 | 28-02-2023 | 13-03-2023 | 13 days | 0.0% |
From daily values since 27-01-2023, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
HDFC FMP 1204D December 2022
Kotak FMP Series 305 (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
HDFC FMP 1204D December 2022
Kotak FMP Series 305 (Direct)
HDFC FMP 1204D December 2022 vs Kotak FMP Series 305: Portfolio Overlap
From each fund's latest monthly portfolio: HDFC FMP 1204D December 2022, March 2026; Kotak FMP Series 305, March 2026
Holdings in common
- Overlap
- 68.4%
- Held by both
- 1
- Only in HDFC FMP 1204D December 2022
- 1
- Only in Kotak FMP Series 305
- 3
| Security | % of HDFC FMP 1204D December 2022 | % of Kotak FMP Series 305 |
|---|---|---|
| 5.63% GOI MAT 120426 | 90.12% | 68.44% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 68.4% means 68.4% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in HDFC FMP 1204D December 2022
| Security | % of fund |
|---|---|
| 7.27% GOI MAT 080426 | 1.97% |
Largest holdings only in Kotak FMP Series 305
| Security | % of fund |
|---|---|
| GS CG 12 Apr 2026 - (STRIPS) | 17.10% |
| GS 5.63% CG 12/04/2026 - (STRIPS) | 2.73% |
| GS CG 26/04/2026 - (STRIPS) | 1.20% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | HDFC FMP 1204D December 2022 | Kotak FMP Series 305 |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 92.1% | 89.5% |
| Cash and others | 7.9% | 10.5% |
HDFC FMP 1204D December 2022 vs Kotak FMP Series 305: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | HDFC FMP 1204D December 2022 | Kotak FMP Series 305 |
|---|---|---|
| Total expense ratio (Direct) | 0.15% | 0.00% |
| Base expense ratio (Direct) | 0.13% | 0.00% |
| Total expense ratio (Regular) | Not available | 0.00% |
| Base expense ratio (Regular) | 0.34% | 0.00% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
HDFC FMP 1204D December 2022 vs Kotak FMP Series 305: Frequently Asked Questions
What is the difference between HDFC FMP 1204D December 2022 and Kotak FMP Series 305?
HDFC FMP 1204D December 2022 is a mutual fund, Kotak FMP Series 305 is a Debt fund, run by HDFC Mutual Fund and Kotak Mahindra Mutual Fund. Their portfolios overlap 68.4%.
Which has given higher returns, HDFC FMP 1204D December 2022 or Kotak FMP Series 305?
Over 1 year: HDFC FMP 1204D December 2022 +6.09%, Kotak FMP Series 305 +5.83%. Over 3 years: HDFC FMP 1204D December 2022 +6.95% a year, Kotak FMP Series 305 +6.88% a year. As on 04-05-2026. Past returns do not promise future returns.
How much do HDFC FMP 1204D December 2022 and Kotak FMP Series 305 overlap?
68.4%. They hold 1 of the same securities, the largest shared ones being 5.63% GOI MAT 120426. From each fund's latest monthly portfolio.
Which is better for SIP, HDFC FMP 1204D December 2022 or Kotak FMP Series 305?
Over the last 3 years, a monthly SIP of ₹10,000 from 02-05-2023 to 13-04-2026 grew to ₹3,96,157 in HDFC FMP 1204D December 2022 (XIRR 6.5% a year) and ₹4,08,825 in Kotak FMP Series 305 (XIRR 6.7% a year). Both received 36 instalments. Past returns do not promise future returns.
Can I invest in both HDFC FMP 1204D December 2022 and Kotak FMP Series 305?
Yes. 68.4% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.