Kotak FMP Series 305 vs Union Fixed Maturity Plan - Series 13 (1114 Days)
Direct Plan, Growth option · Data as on 04-05-2026
Kotak FMP Series 305 is a Debt fund and Union Fixed Maturity Plan - Series 13 (1114 Days) is a Debt fund. In the 3 years to 04-05-2026, Kotak FMP Series 305 (Direct) returned 6.9% a year and Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct) returned 6.9% a year. Their portfolios overlap 57.0%: 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.
Union Fixed Maturity Plan - Series 13 (1114 Days) is closed. It has not published a NAV since 15-04-2026. Its figures stop there.
Union Fixed Maturity Plan - Series 13 (1114 Days)
Debt
- 3 year return
- 6.9%
- Expense ratio
- 0.25%
- NAV
- ₹12.31
Which is better, Kotak FMP Series 305 or Union Fixed Maturity Plan - Series 13 (1114 Days)? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Union Fixed Maturity Plan - Series 13 (1114 Days) returned more over 3 years: 6.9% a year against 6.9%.
- Union Fixed Maturity Plan - Series 13 (1114 Days) returned more over 1 year: 6.0% against 5.8%.
- Union Fixed Maturity Plan - Series 13 (1114 Days) swung less over 3 years: a standard deviation of 0.6% a year against 0.6%.
- Union Fixed Maturity Plan - Series 13 (1114 Days) fell less in its worst fall since 31-03-2023: −0.2% against −0.2%.
- Kotak FMP Series 305 is the larger fund: ₹37 Cr against ₹27 Cr.
- Their portfolios overlap 57.0%: 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 | Union Fixed Maturity Plan - Series 13 (1114 Days) |
|---|---|---|
| Fund house | Kotak Mahindra Mutual Fund | Union Mutual Fund |
| Category | Debt | Debt |
| AUM | ₹37 Cr (30-04-2026) | ₹27 Cr (30-04-2026) |
| NAV | ₹12.53 (Direct) | ₹12.31 (Direct) |
| Expense ratio (Direct) | 0.00% | 0.25% |
| Expense ratio (Regular) | 0.00% | 0.54% |
| Riskometer | Low | Low |
| Benchmark | NIFTY Medium Duration Debt Index | CRISIL Medium Duration Debt A-III Index. CRISIL Benchmark Disclaimer: CRISIL Indices are the sole property of CRISIL Lim |
| Launch date | 13-01-2023 | 29-03-2023 |
| Minimum investment | ₹5,000 | ₹5,000 |
| Lock in | None | None |
| Fund managers | Deepak Agrawal, Manu Sharma | Devesh Thacker, Anindya Sarkar |
| Exit load | Nil | Nil |
Kotak FMP Series 305 vs Union Fixed Maturity Plan - Series 13 (1114 Days): 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% | -- | -- |
| Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct) | +0.46% | +1.30% | +2.70% | +5.99% | +6.93% | -- | -- |
Kotak FMP Series 305 vs Union Fixed Maturity Plan - Series 13 (1114 Days): Year-wise Returns
| Year | Kotak FMP Series 305Kotak FMP Series 305 | Union Fixed Maturity Plan - Series 13 (1114 Days)Union Fixed Maturity Plan - Series 13 (1114 Days) |
|---|---|---|
| 2026to date | +1.77% | +1.52% |
| 2025 | +6.98% | +6.95% |
| 2024 | +7.68% | +7.59% |
Kotak FMP Series 305 vs Union Fixed Maturity Plan - Series 13 (1114 Days): Rolling Returns
Every holding period of both funds
Rolling returns
Every 1-year holding period, 504 of them, one for each trading day from 31-03-2024 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)
Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct)
to
May 2024Oct 2023
to
Oct 2024Feb 2024
to
Feb 2025Jun 2024
to
Jun 2025Nov 2024
to
Nov 2025Mar 2025
to
Mar 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 | 7.4% | 7.6% | 5.8% | 8.5% |
| Union Fixed Maturity Plan - Series 13 (1114 Days) | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.4% | 7.5% | 6.0% | 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 31-03-2023. Past returns do not promise future returns.
Kotak FMP Series 305 vs Union Fixed Maturity Plan - Series 13 (1114 Days): 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 01-03-2023 to 04-05-2026: 39 instalments, ₹3,90,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Kotak FMP Series 305Kotak FMP Series 305 (Direct) | ₹3,90,000 | ₹4,33,698 | ₹43,698 | 6.8% |
| Union Fixed Maturity Plan - Series 13 (1114 Days)Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct) | ₹3,80,000 | ₹4,22,164 | ₹42,164 | 6.8% |
Kotak FMP Series 305Kotak FMP Series 305 (Direct)
Union Fixed Maturity Plan - Series 13 (1114 Days)Union Fixed Maturity Plan - Series 13 (1114 Days) (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 Union Fixed Maturity Plan - Series 13 (1114 Days): 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) | Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct) |
|---|---|---|
| Return (CAGR) | +5.83% | +5.99% |
| Standard deviation | 0.31% | 0.32% |
| Sharpe ratio | 1.32 | 1.75 |
| Sortino ratio | 2.35 | 3.20 |
| 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) | Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct) |
|---|---|---|
| Return (CAGR) | +6.88% | +6.93% |
| Standard deviation | 0.63% | 0.55% |
| Sharpe ratio | 0.96 | 1.12 |
| Sortino ratio | 1.47 | 1.76 |
| Maximum drawdown | −0.2% (06-10-2023) | −0.2% (06-10-2023) |
| 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) | Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct) |
|---|---|---|
| Return (CAGR) | +7.05% | +7.04% |
| Standard deviation | 0.79% | 0.57% |
| Sharpe ratio | 0.95 | 1.29 |
| Sortino ratio | 1.49 | 2.11 |
| Maximum drawdown | −0.5% (28-02-2023) | −0.2% (06-10-2023) |
| 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)
Union Fixed Maturity Plan - Series 13 (1114 Days) (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) | −0.2% | 25-09-2023 | 06-10-2023 | 12-10-2023 | 6 days | 0.0% |
| Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct) | −0.2% | 25-09-2023 | 06-10-2023 | 12-10-2023 | 6 days | 0.0% |
From daily values since 31-03-2023, 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)
Union Fixed Maturity Plan - Series 13 (1114 Days) (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)
Union Fixed Maturity Plan - Series 13 (1114 Days) (Direct)
Kotak FMP Series 305 vs Union Fixed Maturity Plan - Series 13 (1114 Days): Portfolio Overlap
From each fund's latest monthly portfolio: Kotak FMP Series 305, March 2026; Union Fixed Maturity Plan - Series 13 (1114 Days), March 2026
Holdings in common
- Overlap
- 57.0%
- Held by both
- 1
- Only in Kotak FMP Series 305
- 3
- Only in Union Fixed Maturity Plan - Series 13 (1114 Days)
- 1
| Security | % of Kotak FMP Series 305 | % of Union Fixed Maturity Plan - Series 13 (1114 Days) |
|---|---|---|
| Central Government - 2026 | 68.44% | 56.98% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 57.0% means 57.0% 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 Union Fixed Maturity Plan - Series 13 (1114 Days)
| Security | % of fund |
|---|---|
| GOI 7.27% 2026 | 8.55% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Kotak FMP Series 305 | Union Fixed Maturity Plan - Series 13 (1114 Days) |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 89.5% | 65.5% |
| Cash and others | 10.5% | 34.5% |
Kotak FMP Series 305 vs Union Fixed Maturity Plan - Series 13 (1114 Days): Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Kotak FMP Series 305 | Union Fixed Maturity Plan - Series 13 (1114 Days) |
|---|---|---|
| Total expense ratio (Direct) | 0.00% | 0.25% |
| Base expense ratio (Direct) | 0.00% | 0.17% |
| Total expense ratio (Regular) | 0.00% | 0.54% |
| Base expense ratio (Regular) | 0.00% | 0.42% |
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 Union Fixed Maturity Plan - Series 13 (1114 Days): Frequently Asked Questions
What is the difference between Kotak FMP Series 305 and Union Fixed Maturity Plan - Series 13 (1114 Days)?
Kotak FMP Series 305 is a Debt fund, Union Fixed Maturity Plan - Series 13 (1114 Days) is a Debt fund, run by Kotak Mahindra Mutual Fund and Union Mutual Fund. Their portfolios overlap 57.0%.
Which has given higher returns, Kotak FMP Series 305 or Union Fixed Maturity Plan - Series 13 (1114 Days)?
Over 1 year: Kotak FMP Series 305 +5.83%, Union Fixed Maturity Plan - Series 13 (1114 Days) +5.99%. Over 3 years: Kotak FMP Series 305 +6.88% a year, Union Fixed Maturity Plan - Series 13 (1114 Days) +6.93% a year. As on 04-05-2026. Past returns do not promise future returns.
How much do Kotak FMP Series 305 and Union Fixed Maturity Plan - Series 13 (1114 Days) overlap?
57.0%. They hold 1 of the same securities, the largest shared ones being Central Government - 2026. From each fund's latest monthly portfolio.
Which is riskier, Kotak FMP Series 305 or Union Fixed Maturity Plan - Series 13 (1114 Days)?
On SEBI's riskometer, Kotak FMP Series 305 is rated Low and Union Fixed Maturity Plan - Series 13 (1114 Days) Low. Over 3 years, the standard deviation of daily returns was 0.63% and 0.55% a year.
Which is better for SIP, Kotak FMP Series 305 or Union Fixed Maturity Plan - Series 13 (1114 Days)?
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 ₹3,97,572 in Union Fixed Maturity Plan - Series 13 (1114 Days) (XIRR 6.8% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both Kotak FMP Series 305 and Union Fixed Maturity Plan - Series 13 (1114 Days)?
Yes. 57.0% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Kotak FMP Series 305 and Union Fixed Maturity Plan - Series 13 (1114 Days)?
Kotak FMP Series 305: Deepak Agrawal, Manu Sharma. Union Fixed Maturity Plan - Series 13 (1114 Days): Devesh Thacker, Anindya Sarkar.
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.