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Product scoring may vary based on gender, age, policy tenure and sum assured.
Gender
Male
Age Group
The lowest age in the selected range is considered for price evaluation (e.g., 25 - 29)
30 - 34
Sum Assured
₹ 1Cr
Hybrid • Conservative Hybrid Fund • CRISIL Hybrid 85+15 - Conservative Index
Kotak Debt Hybrid Fund(G)-Direct Plan
1 Finance Rank:
07
071 Finance Score:
70100
Sharpe Score
32
Sortino Score
74
Jensen's Score
58
Treynor Score
74
Yield To Maturity Score
97
Quality & Diversification Score
69
Modified Duration Score
56
by 1 Finance Research 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 2,862 Cr(As on 31-Mar-2026)NAV
₹ 68.2948(As on 24-Apr-2026)Drawdown
3.9%Crash Recovery
201 daysNo. of Stocks
44(As on 31-Mar-2026)Expense Ratio
0.48%(As on 31-Mar-2026)
07
Hybrid • Conservative Hybrid Fund • CRISIL Hybrid 85+15 - Conservative Index
Kotak Debt Hybrid Fund(G)-Direct Plan
This fund ranks 7th out of 19 funds in its category.
AUM₹ 2,862 Cr(As on 31-Mar-2026)
NAV₹ 68.2948(As on 24-Apr-2026)
Drawdown
3.9%
Crash Recovery
201 days
No. of Stocks44(As on 31-Mar-2026)
Expense Ratio0.48%(As on 31-Mar-2026)
1 Finance Score: 70/100
Sharpe Score
32
Sortino Score
74
Jensen's Score
58
Treynor Score
74
Yield To Maturity Score
97
Quality & Diversification Score
69
Modified Duration Score
56
Rolling Returns
| Avg. Rolling Returns | 1 year | 3 year | 5 year | 7 year |
|---|
| Avg. Rolling Returns |
|---|
| 1 Years |
| 3 Years |
| 5 Years |
| 7 Years |
“80% of mutual fund schemes lose 25% or more value due to commissions in 10 years.” Source: 1 Finance Research
Fundamental Ratios
Score Trend
1000
Equity Scheme Ratios
Sharpe Ratio
0.13Sortino Ratio
0.22Treynor Ratio
0.02Jensen's Alpha
0.01%Information Ratio
0.14P/E ratio
33P/B ratio
6Fund Age
12 yearsR-Squared
82%Debt Ratios
Modified Duration
7.44 yearsAverage Maturity
19.03 yearsYield To Maturity
7.44%Standard Deviation
0.26%*Most top-ranked mutual funds won't hold their rank for long. Source: 1 Finance Research
Portfolio summary
Asset Allocation
Debt
Equity
Others
63.95%
20.7%
15.35%
Market Capitalisation
Large Cap
15.68%
Mid Cap
3.08%
Small Cap
1.94%
Others
79.3%
Sector Allocation
G-Sec
42.9%
Bank
8.74%
Finance
5.76%
Others
30.22%
Credit Rating
Others
100.00%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| 07.34% GOI - 22-Apr-2064 | 16.74% |
| Tri-Party Repo (TREPS) | 6.90% |
| 07.30% GOI - 19-Jun-2053 | 5.80% |
| 07.09% GOI - 25-Nov-2074 | 5.35% |
| JTPM Metal Traders Ltd. - (30-Apr-2030) | 3.32% |
*Most active equity funds don't beat their own benchmark over the long run. Source: 1 Finance Research
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
Pros and Cons
Pros
Low expense ratio compared to its category average.
Under the debt allocation, the fund has potential for higher returns due to its high Net Yield to Maturity (YTM).
Cons
The fund has low historical risk adjusted returns.
During periods of market volatility, this fund's risk management strategy falls short of providing adequate protection to investors.
Limited ability to outperform the benchmark.
Under debt allocation, the fund has a high modified duration indicating it is more sensitive to changes in market interest rates, suggesting higher risk for the fund.
Under debt allocation, the fund holds low quality bonds and securities or maintains a concentrated portfolio.
Should you invest?
Invest if you are :
- Conservative investors seeking higher returns than traditional bank FDs while maintaining minimal exposure to equity allocation may find this fund appealing.
Avoid if you are :
- Aggressive investors who prioritize a predominantly equity focused approach should avoid this fund.
*Most financial mistakes aren't about money — they're about personality. Find yours with MoneySign®
Taxation
- Taxed as per your income tax slab
Scheme Details
Scheme Objective
- The investment objective of the Scheme is to enhance returns over a portfolio of debt instruments with a moderate exposure in equity and equity related instruments. By investing in debt securities, the Scheme will aim at generating regular returns, while enhancement of return is intended through investing in equity and equity related securities. The Scheme may also use various derivative and hedging products from time to time, in the manner permitted by SEBI.
Exit Load
- Nil upto 8% of investments and 1% for remaining investments on or before 6M, Nil after 6M
Minimum investment amount
Lumpsum
₹ 100 (open for subscription)
Other details
Founded In2013
Email Addressmutual@kotak.com
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Shibani Kurian | 1 | 1.17 |
About Kotak MF
- Kotak Mutual Fund is a full-spectrum fund house offering a wide array of mutual fund products. It leverages strong research and robust distribution network to serve both retail and institutional investors.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
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- Fund overlap check & more
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Frequently Asked Questions
If hybrid mutual funds are meant to manage risk, why avoid them?
Because risk management should match your financial personality, not a template, Hybrid mutual funds rebalance based on their mandate, not as per your changing life goals or market views. Effective risk management needs customization, not a one-size-fits-all product.
Can hybrid mutual funds create portfolio overlap?
Yes, very easily. Most investors already own equity and debt funds in their portfolios. Adding a hybrid fund means you are unknowingly buying more of what you already have. That muddies your real asset allocation and makes it harder to track performance or rebalance intelligently. You can check for duplicate schemes in your portfolio with a Mutual Fund Overlap Calculator.
Are hybrid funds tax-efficient?
Not necessarily. Their tax treatment depends on how much their equity allocation is. Since different assets are taxed differently, it may be difficult to clearly track which part is driving your tax income. When you invest separately in equity, debt, and gold, you get cleaner, more predictable tax control. Hybrid funds blur that line and often limit your ability to make tax-smart moves.
Do hybrid funds suit any type of investor?
They suit investors who prioritise convenience over optimisation. If someone doesn’t want to think about asset allocation at all and accepts higher costs, hybrid mutual funds can work. But for anyone seeking clarity, lower fees, and alignment with personal financial goals, a customised multi-fund approach is superior.
Is it difficult to manage separate equity, debt, and gold funds, as compared to hybrid mutual funds?
No. Modern platforms make this straightforward. You choose allocations based on your goals, and a Qualified Financial Advisor (QFA) can help you set a rebalancing strategy. You get the same outcome hybrid funds promise, only cheaper, clearer, and more personalized.
Why does 1 Finance avoid recommending hybrid mutual funds?
We believe asset allocation should be personalized rather than generic, as every investor has unique needs. Hybrid mutual funds can dilute transparency, add avoidable costs, limit flexibility, and create overlaps. A personalized mix of equity, debt, and gold funds gives stronger control over risk, tax, and long-term outcomes, something hybrid funds simply can't match.
Should I consult a professional before skipping or exiting a hybrid mutual fund?
Yes. Asset allocation affects your entire financial journey. It must be personalized based on life goals that may evolve with time. A Qualified Financial Advisor (QFA) can help you evaluate your current portfolio, understand tax implications, and design the right allocation for your financial personality and long-term goals.
Disclaimer
The Information in the scoring and ranking model is provided solely for general information and educational purposes and shall not constitute any advice or recommendation. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more