Kotak Equity Savings Fund

Q: What are the returns of this mutual fund scheme?

The Kotak Equity Savings Fund is a 11 yrs old fund and has delivered average annual returns of 9.31% since inception. Kotak Equity Savings Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 3.67% 11.91% 11.6% 9.34% 9.31%

Q: How much does this mutual fund charge as expense ratio?

The Kotak Equity Savings Fund has an expense ratio of 1.76% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Sep 29, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹26.5665+0.18% 1 day change	9.31% p.a.	App exclusive #NA View Ranked Funds	₹8,254 Cr

Historical NAV & returns

NAV: ₹26.5665 as on Sep 29, 2025

This fund Category average

Kotak Equity Savings Fund overview

AUM (Fund size)	₹8,254 Cr
Exit load	1.0% Exit load for units in excess of 8% of the investment,1% will be charged for redemption within 90 days.!
Lock-in Period	Nil
Age	11 yrs since Sep 17, 2014
Benchmark	NIFTY Equity Savings TRI
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.76% as on Aug 31, 2025
Plan type	Regular
Risk	Moderately High
Short term capital gains (STCG)	Returns taxed at 20% if you redeem before 1 year
Long term capital gains (LTCG)	After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%

Kotak Equity Savings Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Sep 30, 2025

Period	This fund	Category average
1 Month	1.3%	0.41%
3 Months	1.64%	0.33%
6 Months	6.66%	4.6%
1 Year	3.67%	3.47%
2 Years	11.73%	9.75%
3 Years	11.91%	10.0%
4 Years	10.23%	7.81%
5 Years	11.6%	10.47%
7 Years	9.94%	8.47%
10 Years	9.34%	7.96%

Asset allocationas on May 31, 2025

Large Cap 30.5%

Mid Cap 5.55%

Small Cap 3.57%

Other Cap 0%

Top holdings

State Bank of India6.68%

Bharti Airtel Ltd.5.64%

Indus Towers Ltd.3.88%

Maruti Suzuki India Ltd.2.63%

Top sectors

Financial 17.999999999999996%

Communication 10.129999999999999%

Services 8.999999999999998%

Energy 7.0200000000000005%

Cash 27.89389834%

AAA 11.59332527%

Cash & Call Money 7.59790652%

A1+ 5.87729987%

Top Debt Holdings

GOI 2.47%

Mankind Pharma Ltd. 1.62%

Embassy Office Parks REIT 1.19%

National Housing Bank 1.18%

Allocation by Instruments

Cash Margin 26.74417497%

Repo 8.25236833%

Mutual Fund 7.825769969999999%

Net Current Assets 6.09903714%

Other Holdings

Others 26.74%

Kotak Liquid - Plan A - Direct Plan-Growth 5.2%

Kotak Low Duration Fund - Standard Plan - Direct Plan 1.9%

Indus Infra Trust 0.88%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Kotak Equity Savings Fund	1.3%	6.66%	3.67%	11.91%	11.6%	9.34%
Edelweiss Equity Savings Fund	0.45%	5.55%	5.97%	11.33%	10.85%	8.99%
UTI Equity Savings Fund	0.61%	3.2%	2.7%	10.82%	11.91%	6.2%
Sundaram Equity Savings Fund	0.33%	4.43%	2.63%	11.39%	11.34%	8.4%
HSBC Equity Savings Fund	0.45%	9.14%	3.63%	13.43%	13.57%	8.96%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Kotak Equity Savings Fund	5.08	0.65	0.86	1.14
Edelweiss Equity Savings Fund	3.74	0.47	1.08	1.55
UTI Equity Savings Fund	4.35	0.57	0.8	1.28
Sundaram Equity Savings Fund	5.35	0.66	0.75	1.41
HSBC Equity Savings Fund	7.31	0.61	0.87	0.85

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Kotak Equity Savings Fund	N.A.	8,254 Cr	11 yrs	1.76%
Edelweiss Equity Savings Fund	N.A.	843 Cr	11 yrs	1.56%
UTI Equity Savings Fund	N.A.	714 Cr	7 yrs 1 m	1.64%
Sundaram Equity Savings Fund	N.A.	1,140 Cr	23 yrs 5 m	2.15%
HSBC Equity Savings Fund	N.A.	624 Cr	14 yrs	1.52%

View all Equity Savings funds

Key risk & return ratios Compared to other funds in the category

Alpha	2.07 vs. 3.05 Underperformed at beating benchmark
Sharpe	0.86 vs. 3.03 Poor risk-adjusted returns
Beta	0.65 vs. 0.67 Less sensitive to market ups & downs
Standard deviation	5.08 vs. 3.88 More volatile performance

Compare Kotak Equity Savings Fund in detail with

About this fund

About Kotak Equity Savings Fund

Kotak Equity Savings Fund is a Equity Savings mutual fund scheme from Kotak Mahindra Mutual Fund. This fund has been in existence for 11 yrs, having been launched on 17/09/2014. Kotak Equity Savings Fund has ₹8,254 Crores worth of assets under management (AUM) as on 31/05/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Kotak Equity Savings Fund as of 29/09/2025 is ₹26.57. The fund has an expense ratio of 1.76%, which is higher than what most other Equity Savings funds charge. Currently, the fund has a 39.62% allocation to equity and 23.76% to Debt.

Kotak Equity Savings Fund returns of last 1-year are 3.20%. Since launch, it has delivered 9.32% average annual returns. The fund has doubled the money invested in it every 6 yrs.
Kotak Equity Savings Fund scheme's ability to deliver returns consistently is higher than most funds of its category. Its ability to control losses in a falling market is average.
The fund's equity portion is primarily invested in Financial, Communication, Services, Unclassified, Energy sectors. It has taken less exposure in Financial, Communication sectors compared to other funds in the category.
The debt portion of the fund has low credit quality indicating the quality of borrowers it has lent it to is not too great.
The fund's top 5 holdings are in State Bank of India, Bharti Airtel Ltd., Kotak Liquid - Plan A - Direct Plan-Growth, Indus Towers Ltd., Maruti Suzuki India Ltd..

...

Fund AUM	8,254 Cr as on May 31, 2025
Scheme document	View Scheme Document

Fund managers

Arjun Khanna

Mr. Khanna has done CFA, FRM, MMS(Finance) & B.E (Electronics) Prior to joining Kotak Mahindra Mutual Fund, he was with Principal Mutual Fund and has also worked with Citibank.

Hiten Shah

Mr. Shah is a Masters in Management Studies (Finance) from Mumbai University. Prior to joining Kotak Mahindra Mutual fund, he was associated with Edelweiss Asset Management for more than 8 years as a CoFund manager and Chief dealer in equities segment. He was also associated with Edelweiss securities Ltd. as low risk arbitrage trader for more than 3 years.

Devender Singhal

Mr. Singhal has done B.A. (Maths) from Delhi University and PGDM, Finance from Fore School of Management, Delhi. Prior to joining Kotak Mahindra AMC , he has worked with Kotak Securities Ltd.(July 2007 -- January 2009) ,Religare (February 2006 -- June 2007), Karvy (July 2004 -- January 2006), P N Vijay Financial Services Pvt Ltd(2001 -- 2004) and Dundee Mutual Fund( Summer Trainee ) (May 2000 -- June 2000 ).

Abhishek Bisen

Mr. Bisen is a BA and MBA in Finance. Prior to joining Kotak AMC, he was working with Securities Trading Corporation Of India Ltd where he was looking at Sales & Trading of Fixed Income Products apart from doing Portfolio Advisory. His earlier assignments also include 2 years of merchant banking experience with a leading merchant banking firm.

Investment objective

The scheme seeks to generate capital appreciation and income by predominantly investing in arbitrage opportunities in the cash and derivatives segment of the equity market, and enhance returns with a moderate exposure in equity & equity related instruments.

Kotak Mahindra Mutual Fund details

No. of schemes	82 view all schemes
Total AUM	5,26,213 Cr as on Jun 30, 2025
Address	The Capital Building, Behind ICICI Bank, G Block BKC, Bandra Kurla Complex Bandra (E) Mumbai, 400051
Phone	022-61152100 / 1800-22-2626

More funds from Kotak Mahindra Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
Kotak Multi Asset Omni FoF	N.A.	1,877 Cr	4.96%	19.72%
Kotak Debt Hybrid Fund	N.A.	3,129 Cr	1.78%	10.81%
Kotak Arbitrage Fund	N.A.	72,274 Cr	6.69%	5.86%

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of Kotak Equity Savings Fund?

The current Net Asset Value (NAV) of the Kotak Equity Savings Fund plan is approximately ₹26.5665 as of Sep 29, 2025.

What are the returns of this mutual fund scheme?

The Kotak Equity Savings Fund is a 11 yrs old fund and has delivered average annual returns of 9.31% since inception.

Kotak Equity Savings Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
3.67%	11.91%	11.6%	9.34%	9.31%

How much does this mutual fund charge as expense ratio?

The Kotak Equity Savings Fund has an expense ratio of 1.76%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The Kotak Equity Savings Fund currently has assets under management (AUM) or fund size valued at approximately 8,254 Cr as on May 31, 2025.

What are the top stock holdings of Kotak Equity Savings Fund?

The Kotak Equity Savings Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
State Bank of India	6.68%
Bharti Airtel Ltd.	5.64%
Indus Towers Ltd.	3.88%
Maruti Suzuki India Ltd.	2.63%
Reliance Industries Ltd.	2.56%
Hero Motocorp Ltd.	2.52%
Adani Ports and Special Economic Zone Ltd.	2.45%
NTPC Ltd.	2.16%
Radico Khaitan Ltd.	1.94%
Vedanta Ltd.	1.86%

What are the top sectors Kotak Equity Savings Fund has invested in?

The Kotak Equity Savings Fund's equity portion is primarily invested in the following sectors -

Sector	Percentage of Portfolio
Financial	17.999999999999996%
Communication	10.129999999999999%
Services	8.999999999999998%
Energy	7.0200000000000005%
Automobile	5.92%
Consumer Staples	3.5700000000000003%
Technology	3.3%
Metals & Mining	3.2699999999999996%
Materials	2.25%
Capital Goods	1.53%

To whom does Kotak Equity Savings Fund lend to?

The top 3 debt holdings of Kotak Equity Savings Fund are as follows

Holding Name	Percentage of Portfolio
GOI	2.47%
Mankind Pharma Ltd.	1.62%
Embassy Office Parks REIT	1.19%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Kotak Equity Savings Fund's debt portion's allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
Cash	27.89389834%
AAA	11.59332527%
Cash & Call Money	7.59790652%

What is risk level of Kotak Equity Savings Fund?

This is a Equity Savings fund comes with Moderately High risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How can I redeem my investments in Kotak Equity Savings Fund?

Redeeming your investments in the Kotak Equity Savings Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Equity Savings

#NA

Return Outperformance: This fund has generated highest return amongst Equity Savings funds in the last 10 Years.
Chance: This fund has generated a 8.13% annual return in 70% of times for investors holding for at least 5 years.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load for units in excess of 8% of the investment,1% will be charged for redemption within 90 days.