Kotak Equity Savings Fund - Direct Plan - IDCW - Monthly

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Equity Savings

Fund House : Kotak Mahindra Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 21.2291 0.04%
(as on 13th October, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 8782.37 Cr

(19.88% of Investment in Category)

Expense Ratio

: 0.66%

(0.67% Category average)

Risk-O-Meter

Moderately High Risk

Equity Savings :Equity Savings : The fund has 67.09% investment in domestic equities of which 44.47% is in Large Cap stocks, 8.28% is in Mid Cap stocks, 5.34% in Small Cap stocks.The fund has 14.36% investment in Debt, of which 2.95% in Government securities, 11.41% is in Low Risk securities.

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This Scheme

VS

Nifty Equity Savings Index

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NA
0.59%

1.66%

6.55%

5.77%

11.1%

11.5%

8.78%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 10th October, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	03-Oct-25	10045.60	0.46%	-	0.42%	19/25
1 Month	10-Sep-25	10155.40	1.55%	-	0.77%	2/25
3 Month	10-Jul-25	10300.00	3.00%	-	1.47%	3/23
6 Month	09-Apr-25	10911.40	9.11%	-	7.16%	3/23
YTD	01-Jan-25	10700.60	7.01%	-	5.65%	5/22
1 Year	10-Oct-24	10667.00	6.67%	6.67%	5.87%	6/22
2 Year	10-Oct-23	12897.90	28.98%	13.55%	11.25%	2/22
3 Year	10-Oct-22	14588.30	45.88%	13.40%	11.27%	3/22
5 Year	09-Oct-20	18127.80	81.28%	12.62%	11.48%	7/22
10 Year	09-Oct-15	26557.50	165.58%	10.25%	9.12%	3/14
Since Inception	13-Oct-14	29171.30	191.71%	10.22%	8.78%	5/23

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 10th October, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	10-Oct-24	12000	12735.92	6.13 %	11.54 %
2 Year	10-Oct-23	24000	26776.89	11.57 %	10.9 %
3 Year	10-Oct-22	36000	43357.35	20.44 %	12.44 %
5 Year	09-Oct-20	60000	81562.63	35.94 %	12.22 %
10 Year	09-Oct-15	120000	214396.42	78.66 %	11.17 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.

Portfolio (Updated on 30th Sep,2025)

Equity Holding : 67.09% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 67.09%

No of Stocks : 85 (Category Avg - 77.28) | Large Cap Investments : 44.47%| Mid Cap Investments : 8.28% | Small Cap Investments : 5.34% | Other : 9%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# State Bank Of India	Public sector bank	5750.1	6.55%	0.00%	6.7% (Aug 2025)	1.03% (Sep 2024)	65.91 L	-5.00 L
# Bharti Airtel Ltd.	Telecom - cellular & fixed line services	4791.4	5.46%	0.00%	5.93% (Jun 2025)	3.69% (Dec 2024)	25.51 L	0.00
# Maruti Suzuki India Ltd.	Passenger cars & utility vehicles	3221.6	3.67%	0.00%	3.5% (Aug 2025)	2.16% (Sep 2024)	2.01 L	0.00
# Indus Towers Ltd.	Telecom - infrastructure	3095.8	3.52%	0.00%	5.62% (Jun 2025)	0.82% (Oct 2024)	90.28 L	0.00
# Hero Motocorp Ltd.	2/3 wheelers	2845.7	3.24%	0.00%	3.12% (Aug 2025)	1.62% (Mar 2025)	5.20 L	0.00
# Adani Ports And Special Economic Zone Ltd.	Port & port services	2118.7	2.41%	0.00%	3.02% (Sep 2024)	2.14% (Jan 2025)	15.10 L	0.00
# National Thermal Power Corporation Ltd.	Power generation	2108.2	2.40%	0.00%	2.39% (Aug 2025)	1.74% (Oct 2024)	61.92 L	0.00
# Reliance Industries Ltd.	Refineries & marketing	1816.8	2.07%	0.00%	4.2% (Apr 2025)	1.99% (Dec 2024)	13.32 L	-6.50 L
# Radico Khaitan Ltd.	Breweries & distilleries	1732.5	1.97%	0.00%	2.02% (Aug 2025)	0.97% (Sep 2024)	6.00 L	0.00
# Vedanta Ltd.	Diversified metals	1723.3	1.96%	0.00%	3.09% (Sep 2024)	1.83% (Aug 2025)	37.00 L	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 59 (Category Avg - 16.52) | Modified Duration 2.22 Years (Category Avg - 2.56)| Yield to Maturity 6.33% (Category Avg - 6.38%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	2.95%	9.13%
CD	0.00%	0.78%
T-Bills	0.00%	0.57%
CP	1.14%	0.28%
NCD & Bonds	8.56%	7.60%
PTC	1.71%	0.18%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	2.95%	9.70%
Low Risk	11.41%	8.72%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	8.08%
MF Units	MF Units	5.05%
Net Receivables	Net Receivables	2.02%
MF Units	MF Units	1.84%
Indus Infra Trust	InvITs	0.85%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th September, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

4.36vs3.57

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

0.73vs0.5

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

1.3vs1

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

0.08vs0.08

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Better risk adjusted returns

2.76vs1.43

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Edelweiss Equity Savings Fund - Direct Plan - Growth	NA	843.46	0.69	2.23	7.48	8.23	12.86
LIC MF Equity Savings Fund - Direct Plan - Growth	NA	29.82	0.13	1.19	7.62	7.93	11.28
Aditya Birla Sun Life Equity Savings Fund - Direct Plan - Growth	NA	911.51	0.65	1.72	6.11	7.54	10.18
ICICI Prudential Equity Savings Fund - Direct Plan - Growth	NA	16487.15	0.37	1.28	5.27	6.97	9.65
Mirae Asset Equity Savings Fund - Direct Plan - Growth	NA	1669.56	0.61	1.08	8.06	6.78	12.70
Kotak Equity Savings Fund - Direct Plan - Growth	NA	8782.37	1.48	3.22	8.49	6.62	13.54
Tata Equity Savings Fund - Direct Plan - Growth	NA	270.01	0.27	0.89	4.68	6.22	11.07
Bandhan Equity Savings Fund - Direct Plan - Growth	NA	354.94	0.37	1.41	4.03	6.21	9.01
Franklin India Equity Savings Fund - Direct Plan - Growth	NA	656.87	0.74	1.65	4.91	6.14	9.69
PGIM India Equity Savings Fund - Direct Plan - Growth	NA	70.80	0.39	1.28	4.29	6.00	8.17

Detailed Comparison

More Funds from Kotak Mahindra Mutual Fund

Out of 88 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 3 is/are ranked 4 * , 14 is/are ranked 3 * , 6 is/are ranked 2 * , 2 is/are ranked 1 * , and 62 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Kotak Arbitrage Fund - Direct Plan - Growth	5	71517.53	0.47	1.36	3.11	7.21	7.79
Kotak Midcap Fund - Direct Plan - Growth	3	56988.32	1.56	2.44	25.70	4.70	23.77
Kotak Flexi Cap Fund - Direct Plan - Growth	3	54083.13	1.99	-0.14	17.42	4.78	18.88
Kotak Liquid Fund - Direct Plan - Growth	2	40674.68	0.49	1.44	3.07	6.86	7.08
Kotak Money Market Fund - Direct Plan - Growth	3	35644.06	0.56	1.47	3.54	7.79	7.64
Kotak Large & Midcap Fund - Direct Plan - Growth	3	28380.64	2.20	1.12	18.32	2.09	21.11
Kotak Multicap Fund - Direct Plan - Growth	3	19227.04	3.44	4.39	20.34	2.93	26.11
Kotak Bond Short Term Plan - Direct Plan - Growth	4	18229.73	0.83	1.35	3.73	8.50	8.24
Kotak Corporate Bond Fund - Direct Plan - Growth	3	17612.03	0.90	1.42	3.87	8.61	8.24
Kotak Small Cap Fund - Direct Plan - Growth	2	17508.37	-1.25	-3.19	15.58	-8.72	17.22