Kotak FMP Series 305

DebtDirect and Regular plans

Data as on 04-05-2026

Kotak FMP Series 305 is a mutual fund run by Kotak Mahindra Mutual Fund. On 30-04-2026, it managed ₹37 Cr of investors' money. In the 3 years to 04-05-2026, its Direct plan returned 6.9% a year and its Regular plan returned 6.7% a year. Its benchmark, NIFTY Medium Duration Debt Index, returned 6.2% a year over the same 3 years.

This fund is closed. It has not published a NAV since 04-05-2026. The page shows its last portfolio.

NAV (Direct plan): ₹12.53; 04-05-2026
NAV (Regular plan): ₹12.47; 04-05-2026
Expense ratio: Not available; A year
Riskometer: Low; Set by the fund house
3 year return: 6.9%Direct6.7%Regular; 6.9%; A year

Kotak FMP Series 305 NAV Today

NAV on 04-05-2026: Direct Plan ₹12.53; Regular Plan ₹12.47.

This fund (Direct plan)

₹12.53

Kotak FMP Series 305 Returns vs NIFTY Medium Duration Debt Index

Returns as on 04-05-2026. 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)	+0.46%	+1.26%	+2.67%	+5.83%	+6.88%	--	--
This fund (Regular)	+0.45%	+1.22%	+2.60%	+5.67%	+6.72%	--	--
NIFTY Medium Duration Debt Index	−0.20%	−0.51%	+1.87%	+2.82%	+6.21%	+5.43%	--
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. The benchmark row is as on 30-09-2026, as NSE published it.

Kotak FMP Series 305 Year-wise Returns

Return of each calendar year
Year	Direct	Regular
2026to date	+1.77%	+1.72%
2025	+6.98%	+6.82%
2024	+7.68%	+7.51%

Kotak FMP Series 305 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 62 periods, one for each trading day from 27-01-2026 to 04-05-2026.

0%2%4%6%8%

Feb 2023
to
Feb 2026Feb 2023
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Feb 2026Mar 2023
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Mar 2026Mar 2023
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Mar 2026Apr 2023
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Apr 2026Apr 2023
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Apr 2026

Kotak FMP Series 305 (Direct)

Every holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss
1 year	545	7.5%	5.8%	8.5%	0%
2 years	304	7.5%	7.0%	7.9%	0%
3 years	62	7.2%	6.9%	7.5%	0%

Period	Periods	Median	Lowest	Highest	With a loss
1 year	29	7.5%	5.5%	8.4%	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 305 Risk

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

Risk and return

Measure	Kotak FMP Series 305 (Direct)This fund
Return (CAGR)	+5.83%
Standard deviation	0.31%
Sharpe ratio	1.32
Sortino ratio	2.35
Maximum drawdown	−0.05% (23-09-2025)

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.

Measure	Kotak FMP Series 305 (Direct)This fund
Return (CAGR)	+6.88%
Standard deviation	0.63%
Sharpe ratio	0.96
Sortino ratio	1.47
Maximum drawdown	−0.19% (06-10-2023)

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.

Measure	Kotak FMP Series 305 (Direct)This fund
Return (CAGR)	+7.05%
Standard deviation	0.79%
Sharpe ratio	0.95
Sortino ratio	1.49
Maximum drawdown	−0.48% (28-02-2023)

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.

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.

−0.5%−0.4%−0.3%−0.2%−0.1%0%

202420252026

Kotak FMP Series 305 (Direct)

	Worst fall	High before it	Bottom	Back at the high	Time to climb back	Below its high today
Kotak FMP Series 305 (Direct)	−0.48%	03-02-2023	28-02-2023	13-03-2023	13 days	0.0%

From the Direct plan's daily NAV since 27-01-2023, adjusted for unit splits. "Time to climb back" runs from the bottom to the first day back at the old high.

Kotak FMP Series 305 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 27-01-2023 to 04-05-2026: 41 instalments, ₹4,10,000 in all.

Investment	Invested	Value now	Gain	Return a year
Direct planKotak FMP Series 305 (Direct)	₹4,10,000	₹4,58,653	₹48,653	6.8%

₹0₹1.0 L₹2.0 L₹3.0 L₹4.0 L₹5.0 L

202420252026

Direct planKotak 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.

Kotak FMP Series 305 Asset Allocation

Asset allocation as on 31-03-2026

What the fund holds

89.5%Debt

Asset	Fund
Debt	89.5%
Cash and others	10.5%

Credit rating

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

Rating	Fund
Sovereign	89.5%

Kotak FMP Series 305 Portfolio Holdings

As on 31-03-2026 · 4 holdings · from the fund house's monthly portfolio

Holdings	Rating	Weight%
Central Government - 2026 · Government security	SOV	68.44%
GS CG 12 Apr 2026 - (STRIPS) · Government security	SOV	17.10%
GS 5.63% CG 12/04/2026 - (STRIPS) · Government security	SOV	2.73%
GS CG 26/04/2026 - (STRIPS) · Government security	SOV	1.20%

Kotak FMP Series 305 Portfolio Overlap

Funds with the most similar portfolios, across every fund house and category

Fund	Overlap	Holdings in common
Tata Crisil-Ibx Gilt Index - April 2026 Index FundIndex · Tata	68.4%	1	Compare
HDFC FMP 1204D December 2022Debt · HDFC	68.4%	1	Compare
Union Fixed Maturity Plan - Series 13 (1114 Days)Debt · Union	57.0%	1	Compare
Kotak FMP Series 308Debt · Kotak Mahindra	14.6%	1	Compare

Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.

Kotak FMP Series 305 Overview

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

Category: Debt
Risk: Low
Benchmark: NIFTY Medium Duration Debt Index
Launch date: 13-01-2023
Minimum investment: ₹5,000
Minimum additional investment: Not available
AUM: ₹36.69 Cr (30-04-2026)
Lock in: None
Scheme code (Direct): 151316
ISIN (Direct): INF174KA1LT9
Scheme code (Regular): 151315
ISIN (Regular): INF174KA1LR3
NAV history: From 27-01-2023, 3.3 years

Exit load: Nil

Tax on Kotak FMP Series 305 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	₹12.53	04-05-2026
direct	₹12.53	04-05-2026
regular	₹12.4684	04-05-2026
regular	₹12.4684	04-05-2026

About Kotak FMP Series 305

Kotak FMP Series 305 is a mutual fund from Kotak Mahindra Mutual Fund. Its category is Debt. It was launched on 13-01-2023. Its benchmark is NIFTY Medium Duration Debt Index. At the end of March 2026 it held 4 securities.

Fund Manager

Deepak Agrawal
Fund manager of Kotak FMP Series 305
Manu Sharma
Fund manager of Kotak FMP Series 305

See all funds of Kotak Mahindra Mutual Fund

AUM change

April 2026: ₹36.69 Cr; +0.44% from March 2026
March 2026: ₹36.53 Cr; +0.41% from February 2026
February 2026: ₹36.38 Cr; +0.41% from January 2026

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

Compare Kotak FMP Series 305 with Other Funds

Returns, risk, costs and the stocks they share, side by side

Kotak FMP Series 305 vs Tata Crisil-Ibx Gilt Index - April 2026 Index68.4% overlap
Kotak FMP Series 305 vs HDFC FMP 1204D December 202268.4% overlap
Kotak FMP Series 305 vs Union Fixed Maturity Plan - Series 13 (1114 Days)57.0% overlap
Kotak FMP Series 305 vs Kotak FMP Series 30814.6% overlap

Compare with any other fund

Frequently Asked Questions for Kotak FMP Series 305

What is the current NAV of Kotak FMP Series 305?

The Direct plan NAV is ₹12.53. The Regular plan NAV is ₹12.4684, as on 04-05-2026.

What are the returns of Kotak FMP Series 305?

The Direct plan returned +5.83% in 1 year, +6.88% a year over 3 years. The Regular plan returned +5.67% in 1 year, +6.72% a year over 3 years. These figures are as on 04-05-2026.

What is the expense ratio of Kotak FMP Series 305?

The Direct plan charges 0.00% a year. The Regular plan charges 0.00% a year. This is the figure the fund house reported to AMFI, in force from 04-05-2026.

What is the AUM of Kotak FMP Series 305?

Kotak FMP Series 305 managed ₹36.69 Cr on 30-04-2026, as its fund house reported in its monthly portfolio.

What are the top holdings of Kotak FMP Series 305?

At the end of March 2026 the largest holdings were Central Government - 2026 (68.44%), 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%). The fund held 4 securities in all.

How do I invest in Kotak FMP Series 305?

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 305?

Deepak Agrawal, Manu Sharma.

What is the exit load of Kotak FMP Series 305?

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.