Kotak Equity Savings Fund
Kotak Mahindra Mutual Fund · Equity Savings · Regular plan, growth option
NAV (₹), 1 Oct 2026
27.1012
1-day change
-0.65%
1Y return
1.7%
3Y CAGR
8.4%
5Y CAGR
8.6%
Max drawdown, 5Y
−6.2%
NAV history month-end NAV, ₹ · 17 Oct 2014 to 1 Oct 2026
Returns vs Equity Savings median (24 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -1.8% | -1.8% |
| 3 months | -0.7% | -0.6% |
| 6 months | 3.9% | 3.3% |
| Year to date | -0.6% | 0.2% |
| 1 year | 1.7% | 2.2% |
| 3 years (CAGR) | 8.4% | 7.0% |
| 5 years (CAGR) | 8.6% | 6.5% |
| 7 years (CAGR) | 9.4% | 8.1% |
| 10 years (CAGR) | 8.8% | 7.2% |
| Since first NAV (CAGR) | 8.7% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 8.1% | 7.7% |
| 3Y rolling median | 9.3% | 8.8% |
| 3Y rolling worst | 1.4% | 1.5% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 9.0% | 8.6% |
| 5Y rolling worst | 3.6% | 5.5% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 6.3% | 5.2% |
| Sharpe ratio | 0.33 | 0.12 |
| Sortino ratio | 0.46 | 0.18 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −16.5% | −16.5% |
| Maximum drawdown, last 10Y | −16.5% | −17.7% |
| Maximum drawdown, last 5Y | −6.2% | −6.2% |
| Current drawdown | −2.5% | −2.3% |
| Recovery time of worst fall | 127 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.12% a year and the Direct plan's 1.07%, a gap of 1.05%; over the last 3 years the Direct plan returned 1.19 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹23,74,762.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 24 Sep 2026: TER increased from 2.11% to 2.12% (AMFI TER disclosure)
- 23 Sep 2026: TER reduced from 2.12% to 2.11% (AMFI TER disclosure)
- 22 Sep 2026: TER increased from 2.11% to 2.12% (AMFI TER disclosure)
- 19 Sep 2026: TER reduced from 2.12% to 2.11% (AMFI TER disclosure)
- 15 Sep 2026: TER increased from 2.11% to 2.12% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Devender Singhal | 1 Apr 2021 | |
| Abhishek Bisen | 1 Apr 2021 | |
| Hiten Shah | 1 Apr 2021 |
Objective: The investment objective of the scheme is 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. There is no assurance or guarantee that the investment objective of the scheme will be achieved.
Stated asset allocation: Equity & Equity Related instruments including derivatives- 65%-90% Of which Cash-futures arbitrage - 25%-75% of which Net long equity exposure- 15%-40% Debt & Money market Instruments (including margin for derivatives) - 10%-35% Units of Mutual Fund including Gold /Silver ETF - 0%-25% Exchange Traded Commodity Derivatives (ETCDs) -0%- 10% Units issued by InvITs- 0-10% In defensive circumstances Equity & Equity Related instruments including derivatives- 30%-65% Of which Cash-futures arbitrage - 15%-20% of which Net long equity exposure- 10%-50% Debt & Money market Instruments (including margin for derivatives) - 35%-70% Units of Mutual Fund including Gold /Silver ETF - 0%-35%…
Benchmark (tier 1): NIFTY Equity Savings Index (TRI)
Exit load: For redemption / switch out of upto 8% of the initial investment amount (limit) purchased or switched in within 90 days from the date of allotment: Nil. If units redeemed or switched out are in excess of the limit within 90 days from the date of allotment: 1% If units are redeemed or switched out on or after 90 days year from the date of allotment: NIL
Minimum application: Rs. 100/-
Allotment date: 13 Oct 2014
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 2.12% | 2.15% |
| AUM, whole scheme (₹ crore) | 10,566 | 774 |
| Riskometer | Moderately High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 2.6% | 1.5% TRI |
| Return, 3 years (AMFI) | 8.6% | 7.1% TRI |
| Return, 5 years (AMFI) | 8.7% | 6.6% TRI |
| Month-ends above category median (3Y CAGR) | 92% | 42% median |
| Month-ends in category top quartile (3Y) | 58% | 15% median |
| 7Y rolling CAGR, median (monthly windows) | 9.4% | 8.1% median |
Official benchmark: Nifty Equity Savings Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Equity Savings Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -0.6% | n/a | – |
| 2025 | 7.9% | n/a | – |
| 2024 | 11.7% | n/a | – |
| 2023 | 15.7% | n/a | – |
| 2022 | 6.8% | n/a | – |
| 2021 | 11.1% | n/a | – |
| 2020 | 10.4% | n/a | – |
| 2019 | 7.8% | n/a | – |
| 2018 | 4.2% | n/a | – |
| 2017 | 14.0% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,20,407 | 0.6% |
| 3 years | ₹3,60,000 | ₹3,88,210 | 5.0% |
| 5 years | ₹6,00,000 | ₹7,27,688 | 7.6% |
| 10 years | ₹12,00,000 | ₹18,88,860 | 8.8% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
Category: Equity Savings
Plan / option: Regular · Growth
AMFI scheme code: 131372
ISIN: INF174K01C78
First NAV in MFIC data: 17 Oct 2014
History: 12.0 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Canara Robeco Balanced Advantage Fund | Balanced Advantage | 0.95 | n/a |
| Nippon India Balanced Advantage Fund | Balanced Advantage | 0.95 | 8.4% |
| WhiteOak Capital Balanced Hybrid Fund | Balanced Hybrid | 0.95 | n/a |
| Mirae Asset Balanced Advantage Fund | Balanced Advantage | 0.94 | 8.1% |
| Kotak Balanced Advantage Fund | Balanced Advantage | 0.94 | 7.5% |
| Edelweiss Balanced Advantage Fund | Balanced Advantage | 0.94 | 8.6% |
Questions about Kotak Equity Savings Fund
- What is the latest NAV of Kotak Equity Savings Fund?
- The NAV of the Regular plan (growth option) was ₹27.1012 on 1 Oct 2026, as published by AMFI.
- Which category is Kotak Equity Savings Fund in?
- It is classified as Equity Savings in AMFI's daily NAV file. MFIC compares it with 24 Equity Savings schemes (Regular plans).
- What returns has Kotak Equity Savings Fund delivered?
- Over one year the NAV changed by 1.7%. The 3-year CAGR is 8.4% (category median 7.0%) and the 5-year CAGR is 8.6% (category median 6.5%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 9.3%, the lowest was 1.4%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in Kotak Equity Savings Fund's NAV?
- The largest peak-to-trough fall in its available history was 16.5%; within the last five years it was 6.2% (category median 6.2%).
- How volatile is Kotak Equity Savings Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 6.3%, which is above the Equity Savings category median of 5.2%.
- What would a monthly SIP in Kotak Equity Savings Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,27,688 on 1 Oct 2026, an annualised return (XIRR) of 7.6%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of Kotak Equity Savings Fund?
- The total expense ratio of the Regular plan is 2.12% a year, as disclosed to AMFI (median of Equity Savings Regular plans: 2.15%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Kotak Equity Savings Fund?
- Assets under management of the whole scheme were ₹10,566 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Kotak Equity Savings Fund?
- AMFI lists the scheme's riskometer as “Moderately High”, and its benchmark's as “Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of Kotak Equity Savings Fund and how has it compared?
- Its official benchmark is the Nifty Equity Savings Index. Over 3 years AMFI reports a return of 8.6% for this plan against 7.1% for the benchmark total return index; over 5 years 8.7% against 6.6%. Past performance does not indicate future results.
- How often has Kotak Equity Savings Fund beaten its category?
- At 92% of the 106 month-ends compared over the last 10 years, its 3-year return was above the median of Equity Savings schemes (Regular plans); it was in the top quarter at 58% of them. A typical scheme would show about 50%.
- Who manages Kotak Equity Savings Fund?
- According to its Scheme Summary Document, Kotak Equity Savings Fund is managed by Devender Singhal (since 1 Apr 2021), Abhishek Bisen (since 1 Apr 2021), Hiten Shah (since 1 Apr 2021).
- What is the exit load of Kotak Equity Savings Fund?
- As stated in its scheme documents: For redemption / switch out of upto 8% of the initial investment amount (limit) purchased or switched in within 90 days from the date of allotment: Nil. If units redeemed or switched out are in excess of the limit within 90 days from the date of allotment: 1% If units are redeemed or switched out on or after 90 days year from the date of allotment: NIL Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in Kotak Equity Savings Fund?
- The minimum application amount is Rs. 100/-. SIP details: SIP - Rs. 100/- and any amount thereafter,SWP - Rs. 1000 STP - Rs. 1000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 2.8% and the Regular plan's by 1.7%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund Distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.