Kotak Equity Savings Fund - Regular - Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 100% of 3-year investment horizons.
- Over 12 years of operational history across different market cycles.
- Equities carry market risk; returns fluctuate and recommended investment horizon is 5+ years.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +2.33% | +2.96% | -0.63% |
| 3 Months | +0.32% | +1.17% | -0.85% |
| 6 Months | +2.80% | +3.88% | -1.08% |
| 1 Year | +3.16% | +4.14% | -0.98% |
| 3 Years CAGR | +9.02% | +8.21% | +0.81% |
| 5 Years CAGR | +8.52% | +7.26% | +1.26% |
| 7 Years CAGR | +9.42% | +8.53% | +0.89% |
| 10 Years CAGR | +9.08% | +8.07% | +1.01% |
| Since Inception | +8.82% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in Kotak Equity Savings Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +1.86% | +3.40% | -1.54% |
| 2025 | +7.93% | +6.70% | +1.23% |
| 2024 | +11.70% | +11.07% | +0.63% |
| 2023 | +15.67% | +14.27% | +1.40% |
| 2022 | +6.80% | +2.49% | +4.31% |
| 2021 | +11.09% | +12.79% | -1.70% |
| 2020 | +10.39% | +11.09% | -0.70% |
| 2019 | +7.76% | +7.85% | -0.09% |
| 2018 | +4.21% | +1.32% | +2.89% |
| 2017 | +14.02% | +14.67% | -0.65% |
| 2016 | +6.47% | +6.47% | 0.00% |
| 2015 | +6.44% | +6.44% | 0.00% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -10.17% | +9.00% | +8.01% | +32.92% | 97.9% | - |
| 3-Year Rolling | +1.38% | +9.42% | +9.32% | +15.64% | 100.0% | - |
| 5-Year Rolling | +3.59% | +9.28% | +9.00% | +14.52% | 100.0% | - |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2020-02-19 | 2020-03-23 | -16.5% | 1 months | 4 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| 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% Exchange Traded Commodity Derivatives (ETCDs) -0%- 10% Units issued by InvITs- 0-10% |
Investment Objective & Strategy
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.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 10,417 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as stretched relative to Equity Savings schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Equity Savings Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Equity Savings Fund | 4.5 | +7.88% | 1.68% | - | Rs 1,155 cr | Compare → |
| Axis Equity Savings Fund | 4.6 | +8.83% | 2.68% | - | Rs 872 cr | Compare → |
| DSP Equity Savings Fund | 4.8 | +8.24% | 1.96% | - | Rs 3,068 cr | Compare → |
| Baroda BNP Paribas Equity Savings Fund | 4.9 | +8.68% | 2.83% | - | Rs 278 cr | Compare → |
| Mirae Asset Equity Savings Fund | 6.6 | +9.92% | 1.72% | - | Rs 2,043 cr | Compare → |
Frequently Asked Questions about Kotak Equity Savings Fund
What is the expense ratio of Kotak Equity Savings Fund?
Kotak Equity Savings Fund has a total expense ratio (TER) of 2.12% with a base expense ratio of 1.45%, compared to the Equity Savings category median of 2.19%.
Who manages Kotak Equity Savings Fund?
Kotak Equity Savings Fund is managed by Devender Singhal (tenure: 5.6 years since 2021-04-01).
What are the historical returns of Kotak Equity Savings Fund?
Kotak Equity Savings Fund delivered a 3-year CAGR of 9.02% and a 5-year CAGR of 8.52%. Its 1-year return stands at +3.16%.
How large is Kotak Equity Savings Fund?
Kotak Equity Savings Fund manages assets of Rs 10,417 cr, placing it in the 'stretched' size band relative to Equity Savings peers.
How is Kotak Equity Savings Fund scored on MFIQ?
Kotak Equity Savings Fund holds an MFIQ Score of 6.3/10 (Average), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is Kotak Equity Savings Fund?
Kotak Equity Savings Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 5.76% with a maximum historical drawdown of -16.54%.