Kotak FMP Series 305 vs Tata Crisil-Ibx Gilt Index - April 2026 Index Fund
Direct Plan, Growth option · Data as on 04-05-2026
Kotak FMP Series 305 is a Debt fund and Tata Crisil-Ibx Gilt Index - April 2026 Index Fund is a mutual fund. In the 3 years to 04-05-2026, Kotak FMP Series 305 (Direct) returned 6.9% a year and Tata Crisil-Ibx Gilt Index - April 2026 Index Fund (Direct) returned 7.3% a year. Their portfolios overlap 68.4%: they hold 1 of the same security.
Kotak FMP Series 305 is closed. It has not published a NAV since 04-05-2026. Its figures stop there.
Tata Crisil-Ibx Gilt Index - April 2026 Index Fund is closed. It has not published a NAV since 13-02-2026. Its figures stop there.
Tata Crisil-Ibx Gilt Index - April 2026 Index Fund
- 3 year return
- 7.3%
- Expense ratio
- 0.12%
- NAV
- ₹12.67
Which is better, Kotak FMP Series 305 or Tata Crisil-Ibx Gilt Index - April 2026 Index? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Tata Crisil-Ibx Gilt Index - April 2026 Index returned more over 3 years: 7.3% a year against 6.9%.
- Tata Crisil-Ibx Gilt Index - April 2026 Index returned more over 1 year: 6.7% against 5.8%.
- Kotak FMP Series 305 swung less over 3 years: a standard deviation of 0.6% a year against 0.7%.
- Tata Crisil-Ibx Gilt Index - April 2026 Index fell less in its worst fall since 27-01-2023: −0.4% against −0.5%.
- Tata Crisil-Ibx Gilt Index - April 2026 Index is the larger fund: ₹793 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 | Kotak FMP Series 305 | Tata Crisil-Ibx Gilt Index - April 2026 Index Fund |
|---|---|---|
| Fund house | Kotak Mahindra Mutual Fund | Tata Mutual Fund |
| Category | Debt | Not available |
| AUM | ₹37 Cr (30-04-2026) | ₹793 Cr (31-01-2026) |
| NAV | ₹12.53 (Direct) | ₹12.67 (Direct) |
| Expense ratio (Direct) | 0.00% | 0.12% |
| Expense ratio (Regular) | 0.00% | 0.35% |
| Riskometer | Low | Not available |
| Benchmark | NIFTY Medium Duration Debt Index | Not available |
| Launch date | 13-01-2023 | Not available |
| Minimum investment | ₹5,000 | Not available |
| Lock in | None | Not available |
| Fund managers | Deepak Agrawal, Manu Sharma | Not available |
| Exit load | Nil | Not available |
Kotak FMP Series 305 vs Tata Crisil-Ibx Gilt Index - April 2026 Index: 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 |
|---|---|---|---|---|---|---|---|
| Kotak FMP Series 305 (Direct) | +0.46% | +1.26% | +2.67% | +5.83% | +6.88% | -- | -- |
| Tata Crisil-Ibx Gilt Index - April 2026 Index Fund (Direct) | +0.44% | +1.38% | +2.77% | +6.74% | +7.26% | -- | -- |
Kotak FMP Series 305 vs Tata Crisil-Ibx Gilt Index - April 2026 Index: Year-wise Returns
| Year | Kotak FMP Series 305Kotak FMP Series 305 | Tata Crisil-Ibx Gilt Index - April 2026 IndexTata Crisil-Ibx Gilt Index - April 2026 Index |
|---|---|---|
| 2026to date | +1.77% | +0.67% |
| 2025 | +6.98% | +6.92% |
| 2024 | +7.68% | +7.52% |
| 2023 | -- | +7.30% |
Kotak FMP Series 305 vs Tata Crisil-Ibx Gilt Index - April 2026 Index: Rolling Returns
Every holding period of both funds
Rolling returns
Every 1-year holding period, 545 of them, one for each trading day from 29-01-2024 to 04-05-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Kotak FMP Series 305 (Direct)
Tata Crisil-Ibx Gilt Index - April 2026 Index Fund (Direct)
to
Apr 2024Aug 2023
to
Aug 2024Jan 2024
to
Jan 2025May 2024
to
May 2025Oct 2024
to
Oct 2025Feb 2025
to
Feb 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Kotak FMP Series 305 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.5% | 7.5% | 5.8% | 8.5% |
| Tata Crisil-Ibx Gilt Index - April 2026 Index | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.5% | 7.5% | 6.5% | 8.4% |
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.
Kotak FMP Series 305 vs Tata Crisil-Ibx Gilt Index - April 2026 Index: 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 27-01-2023 to 04-05-2026: 41 instalments, ₹4,10,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Kotak FMP Series 305Kotak FMP Series 305 (Direct) | ₹4,10,000 | ₹4,58,653 | ₹48,653 | 6.8% |
| Tata Crisil-Ibx Gilt Index - April 2026 IndexTata Crisil-Ibx Gilt Index - April 2026 Index Fund (Direct) | ₹3,80,000 | ₹4,23,520 | ₹43,520 | 7.0% |
Kotak FMP Series 305Kotak FMP Series 305 (Direct)
Tata Crisil-Ibx Gilt Index - April 2026 IndexTata Crisil-Ibx Gilt Index - April 2026 Index Fund (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.
Kotak FMP Series 305 vs Tata Crisil-Ibx Gilt Index - April 2026 Index: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Kotak FMP Series 305 (Direct) | Tata Crisil-Ibx Gilt Index - April 2026 Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +5.83% | +6.74% |
| Standard deviation | 0.31% | 0.40% |
| Sharpe ratio | 1.32 | 2.77 |
| Sortino ratio | 2.35 | 5.44 |
| Maximum drawdown | −0.1% (23-09-2025) | −0.1% (09-05-2025) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 02-05-2025 to 04-05-2026. 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 | Kotak FMP Series 305 (Direct) | Tata Crisil-Ibx Gilt Index - April 2026 Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.88% | +7.26% |
| Standard deviation | 0.63% | 0.69% |
| Sharpe ratio | 0.96 | 1.27 |
| Sortino ratio | 1.47 | 2.05 |
| Maximum drawdown | −0.2% (06-10-2023) | −0.2% (22-02-2023) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 04-05-2023 to 04-05-2026. 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 | Kotak FMP Series 305 (Direct) | Tata Crisil-Ibx Gilt Index - April 2026 Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.05% | +7.22% |
| Standard deviation | 0.79% | 0.85% |
| Sharpe ratio | 0.95 | 1.00 |
| Sortino ratio | 1.49 | 1.62 |
| Maximum drawdown | −0.5% (28-02-2023) | −0.4% (22-02-2023) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 27-01-2023 to 04-05-2026. 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.
Kotak FMP Series 305 (Direct)
Tata Crisil-Ibx Gilt Index - April 2026 Index Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Kotak FMP Series 305 (Direct) | −0.5% | 03-02-2023 | 28-02-2023 | 13-03-2023 | 13 days | 0.0% |
| Tata Crisil-Ibx Gilt Index - April 2026 Index Fund (Direct) | −0.4% | 03-02-2023 | 22-02-2023 | 13-03-2023 | 19 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.
Kotak FMP Series 305 (Direct)
Tata Crisil-Ibx Gilt Index - April 2026 Index Fund (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.
Kotak FMP Series 305 (Direct)
Tata Crisil-Ibx Gilt Index - April 2026 Index Fund (Direct)
Kotak FMP Series 305 vs Tata Crisil-Ibx Gilt Index - April 2026 Index: Portfolio Overlap
From each fund's latest monthly portfolio: Kotak FMP Series 305, March 2026; Tata Crisil-Ibx Gilt Index - April 2026 Index Fund, January 2026
Holdings in common
- Overlap
- 68.4%
- Held by both
- 1
- Only in Kotak FMP Series 305
- 3
- Only in Tata Crisil-Ibx Gilt Index - April 2026 Index
- 2
| Security | % of Kotak FMP Series 305 | % of Tata Crisil-Ibx Gilt Index - April 2026 Index |
|---|---|---|
| Central Government - 2026 | 68.44% | 76.04% |
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 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% |
Largest holdings only in Tata Crisil-Ibx Gilt Index - April 2026 Index Fund
| Security | % of fund |
|---|---|
| GOI - 6.99% (17/04/2026) | 12.39% |
| GOI - 7.27% (08/04/2026) | 9.48% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Kotak FMP Series 305 | Tata Crisil-Ibx Gilt Index - April 2026 Index |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 89.5% | 97.9% |
| Cash and others | 10.5% | 2.1% |
Kotak FMP Series 305 vs Tata Crisil-Ibx Gilt Index - April 2026 Index: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Kotak FMP Series 305 | Tata Crisil-Ibx Gilt Index - April 2026 Index Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.00% | 0.12% |
| Base expense ratio (Direct) | 0.00% | 0.11% |
| Total expense ratio (Regular) | 0.00% | 0.35% |
| Base expense ratio (Regular) | 0.00% | 0.34% |
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.
Kotak FMP Series 305 vs Tata Crisil-Ibx Gilt Index - April 2026 Index Fund: Frequently Asked Questions
What is the difference between Kotak FMP Series 305 and Tata Crisil-Ibx Gilt Index - April 2026 Index Fund?
Kotak FMP Series 305 is a Debt fund, Tata Crisil-Ibx Gilt Index - April 2026 Index Fund is a mutual fund, run by Kotak Mahindra Mutual Fund and Tata Mutual Fund. Their portfolios overlap 68.4%.
Which has given higher returns, Kotak FMP Series 305 or Tata Crisil-Ibx Gilt Index - April 2026 Index Fund?
Over 1 year: Kotak FMP Series 305 +5.83%, Tata Crisil-Ibx Gilt Index - April 2026 Index Fund +6.74%. Over 3 years: Kotak FMP Series 305 +6.88% a year, Tata Crisil-Ibx Gilt Index - April 2026 Index Fund +7.26% a year. As on 04-05-2026. Past returns do not promise future returns.
How much do Kotak FMP Series 305 and Tata Crisil-Ibx Gilt Index - April 2026 Index Fund overlap?
68.4%. They hold 1 of the same securities, the largest shared ones being Central Government - 2026. From each fund's latest monthly portfolio.
Which is better for SIP, Kotak FMP Series 305 or Tata Crisil-Ibx Gilt Index - April 2026 Index Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 02-05-2023 to 04-05-2026 grew to ₹4,08,825 in Kotak FMP Series 305 (XIRR 6.7% a year) and ₹3,74,245 in Tata Crisil-Ibx Gilt Index - April 2026 Index Fund (XIRR 6.9% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both Kotak FMP Series 305 and Tata Crisil-Ibx Gilt Index - April 2026 Index Fund?
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.