Kotak FMP Series 292

DebtDirect and Regular plans

Data as on 14-05-2026

Kotak FMP Series 292 is a mutual fund run by Kotak Mahindra Mutual Fund. On 30-04-2026, it managed ₹485 Cr of investors' money. In the 3 years to 14-05-2026, its Direct plan returned 7.2% a year and its Regular plan returned 6.8% a year.

This fund is closed. It has not published a NAV since 14-05-2026. The page shows its last portfolio.

NAV (Direct plan): ₹13.31; 14-05-2026
NAV (Regular plan): ₹13.12; 14-05-2026
Expense ratio: 0.08%Direct0.38%Regular; 0.08%; A year
Riskometer: Low; Set by the fund house
3 year return: 7.2%Direct6.8%Regular; 7.2%; A year

Kotak FMP Series 292 NAV Today

NAV on 14-05-2026: Direct Plan ₹13.31; Regular Plan ₹13.12.

This fund (Direct plan)

₹13.3115

Kotak FMP Series 292 Returns

Returns as on 14-05-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

Trailing returns
Period	1M	3M	6M	1Y	3Y	5Y	10Y
This fund (Direct)	+0.43%	+1.30%	+2.76%	+6.01%	+7.16%	--	--
This fund (Regular)	+0.40%	+1.23%	+2.61%	+5.69%	+6.84%	--	--
Category average	--	--	--	--	--	--	--
Best in category	--	--	--	--	--	--	--
Worst in category	--	--	--	--	--	--	--
Rank in category	--	--	--	--	--	--	--

No category comparison is shown: this fund's category is too broad to compare, or has fewer than five funds. This fund's benchmark is CRISIL Composite Bond Fund Index.. Returns of that index are not available to us.

Kotak FMP Series 292 Year-wise Returns

Return of each calendar year
Year	Direct	Regular
2026to date	+2.01%	+1.89%
2025	+7.31%	+6.99%
2024	+8.00%	+7.67%
2023	+7.28%	+6.96%
2022	+2.58%	+2.28%

Kotak FMP Series 292 Rolling Returns

The return of every holding period in the fund's history, not only the one that ends today

Rolling returns

Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 420 periods, one for each trading day from 20-08-2024 to 14-05-2026.

0%2%4%6%8%10%

Oct 2021
to
Oct 2024Jan 2022
to
Jan 2025May 2022
to
May 2025Aug 2022
to
Aug 2025Dec 2022
to
Dec 2025Mar 2023
to
Mar 2026

Kotak FMP Series 292 (Direct)

Every holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss
1 year	902	7.3%	1.0%	8.9%	0%
2 years	659	7.6%	4.3%	8.2%	0%
3 years	420	7.4%	5.5%	8.1%	0%

Period	Periods	Median	Lowest	Highest	With a loss
1 year	46	7.3%	1.3%	8.7%	0%
2 years	34	7.5%	5.5%	8.3%	0%
3 years	22	7.4%	6.8%	8.1%	0%

Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. Past returns do not promise future returns.

Kotak FMP Series 292 Risk

How much it swings, and the falls an investor had to sit through

Risk and return

Measure	Kotak FMP Series 292 (Direct)This fund
Return (CAGR)	+6.01%
Standard deviation	0.30%
Sharpe ratio	2.17
Sortino ratio	4.41
Maximum drawdown	−0.03% (25-06-2025)

From daily NAVs, 14-05-2025 to 14-05-2026. 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.

Measure	Kotak FMP Series 292 (Direct)This fund
Return (CAGR)	+7.16%
Standard deviation	0.55%
Sharpe ratio	1.61
Sortino ratio	2.70
Maximum drawdown	−0.13% (18-10-2023)

From daily NAVs, 12-05-2023 to 14-05-2026. 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.

Measure	Kotak FMP Series 292 (Direct)This fund
Return (CAGR)	+6.18%
Standard deviation	1.27%
Sharpe ratio	0.34
Sortino ratio	0.43
Maximum drawdown	−3.2% (07-06-2022)

From daily NAVs, 20-08-2021 to 14-05-2026. 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.

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.

−4%−3%−2%−1%0%

20222023202420252026

Kotak FMP Series 292 (Direct)

	Worst fall	High before it	Bottom	Back at the high	Time to climb back	Below its high today
Kotak FMP Series 292 (Direct)	−3.2%	05-04-2022	07-06-2022	26-08-2022	3 months	0.0%

From the Direct plan's daily NAV since 20-08-2021, adjusted for unit splits. "Time to climb back" runs from the bottom to the first day back at the old high.

Kotak FMP Series 292 Expense Ratio and Costs

What each plan charges a year, in force from 11-05-2026

Plan	Base expense ratio	Total expense ratio
Direct	0.06%	0.08%
Regular	0.31%	0.38%

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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file.

Direct vs Regular: what the gap cost

Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.

Over the last	Regular	Direct	Direct earned more by	₹1 lakh became (Regular)	₹1 lakh became (Direct)
1 year	5.69%	6.01%	0.32%	₹1,05,690	₹1,06,010
3 years	6.84%	7.16%	0.32% a year	₹1,21,956	₹1,23,055

Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.

Kotak FMP Series 292 SIP Calculator

What a one-time or monthly investment in this fund would be worth today, from its own NAV history

Growth of an investment

Every month₹

Step up each year

PeriodFor

₹10,000 on the first trading day of every month, from 20-08-2021 to 14-05-2026: 58 instalments, ₹5,80,000 in all.

Investment	Invested	Value now	Gain	Return a year
Direct planKotak FMP Series 292 (Direct)	₹5,80,000	₹6,82,866	₹1,02,866	6.8%

₹0₹2.0 L₹4.0 L₹6.0 L₹8.0 L

20222023202420252026

Direct planKotak FMP Series 292 (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 292 Asset Allocation

Asset allocation as on 30-04-2026

What the fund holds

82.0%Debt

Asset	Fund
Debt	82.0%
Cash and others	18.0%

Credit rating

Bonds and money market papers by credit rating, % of the fund.

Rating	Fund
Sovereign	82.0%

Kotak FMP Series 292 Portfolio Holdings

As on 30-04-2026 · 5 holdings · from the fund house's monthly portfolio

Holdings	Rating	Weight%
Uttar Pradesh State Govt - 2026 - Uttar Pradesh · State government security	SOV	40.25%
Tamil Nadu State Govt - 2026 - Tamil Nadu · State government security	SOV	19.09%
91 DAYS TREASURY BILL 14/05/2026 · Government security	SOV	18.53%
91 DAYS TREASURY BILL 07/05/2026 · Government security	SOV	3.09%
Gujarat State Govt - 2026 - Gujarat · State government security	SOV	1.03%

Kotak FMP Series 292 Overview

Fund facts from the scheme summary document, as on 16-10-2026

Expense ratio (Direct): 0.08%
Expense ratio (Regular): 0.38%
Category: Debt
Risk: Low
Benchmark: CRISIL Composite Bond Fund Index.
Launch date: 13-08-2021
Minimum investment: ₹5,000
Minimum additional investment: Not available
AUM: ₹484.80 Cr (30-04-2026)
Lock in: None
Scheme code (Direct): 149139
ISIN (Direct): INF174KA1HM2
Scheme code (Regular): 149136
ISIN (Regular): INF174KA1HK6
NAV history: From 20-08-2021, 4.7 years

Exit load: NIL

Tax on Kotak FMP Series 292 returns

How the gain is taxed depends on what the fund holds. A fund with 65% or more in Indian stocks is taxed as an equity fund: 20% within 1 year, 12.5% after, on gains above ₹1.25 lakh a year.
A fund with 65% or more in debt is taxed at your slab rate. Any other fund: your slab rate within 2 years, 12.5% after.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.

Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.

All plans and options

Plan	NAV	As on
direct	₹13.3115	14-05-2026
direct	₹13.3114	14-05-2026
regular	₹13.123	14-05-2026
regular	₹13.123	14-05-2026

About Kotak FMP Series 292

Kotak FMP Series 292 is a mutual fund from Kotak Mahindra Mutual Fund. Its category is Debt. It was launched on 13-08-2021. Its benchmark is CRISIL Composite Bond Fund Index.. At the end of April 2026 it held 5 securities.

Fund Manager

Deepak Agrawal
Fund manager of Kotak FMP Series 292
Manu Sharma
Fund manager of Kotak FMP Series 292

See all funds of Kotak Mahindra Mutual Fund

AUM change

April 2026: ₹484.80 Cr; +0.44% from March 2026
March 2026: ₹482.66 Cr; +0.43% from February 2026
February 2026: ₹480.61 Cr; +0.45% from January 2026

AUM moves with money invested or taken out, and with the value of what the fund holds.

Frequently Asked Questions for Kotak FMP Series 292

What is the current NAV of Kotak FMP Series 292?

The Direct plan NAV is ₹13.3115. The Regular plan NAV is ₹13.123, as on 14-05-2026.

What are the returns of Kotak FMP Series 292?

The Direct plan returned +6.01% in 1 year, +7.16% a year over 3 years. The Regular plan returned +5.69% in 1 year, +6.84% a year over 3 years. These figures are as on 14-05-2026.

What is the expense ratio of Kotak FMP Series 292?

The Direct plan charges 0.08% a year. The Regular plan charges 0.38% a year. This is the figure the fund house reported to AMFI, in force from 11-05-2026.

What is the AUM of Kotak FMP Series 292?

Kotak FMP Series 292 managed ₹484.80 Cr on 30-04-2026, as its fund house reported in its monthly portfolio.

What are the top holdings of Kotak FMP Series 292?

At the end of April 2026 the largest holdings were Uttar Pradesh State Govt - 2026 - Uttar Pradesh (40.25%), Tamil Nadu State Govt - 2026 - Tamil Nadu (19.09%), 91 DAYS TREASURY BILL 14/05/2026 (18.53%), 91 DAYS TREASURY BILL 07/05/2026 (3.09%), Gujarat State Govt - 2026 - Gujarat (1.03%). The fund held 5 securities in all.

How do I invest in Kotak FMP Series 292?

Through Kotak Mahindra Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹5,000. You can invest once or through a monthly SIP.

Who is the fund manager of Kotak FMP Series 292?

Deepak Agrawal, Manu Sharma.

What is the exit load of Kotak FMP Series 292?

NIL

Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.

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.