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Best Kotak Debt Mutual Funds

Kotak Mahindra Mutual Fund is one of India’s top 10 AMCs in terms of asset size and customer base. The company came into existence in 1998, and as of 31st March 2022, they have managed assets worth Rs.23,3780.35 crore.

The AMC offers more than 40 regular mutual fund schemes and 35+ direct MF plans, including the best Kotak debt mutual funds

Debt mutual funds predominantly invest in fixed-income instruments. Government and corporate bonds, debt securities of different types, and other money market instruments largely constitute debt MF portfolios. 

The upsides of debt funds are a low-cost structure, comparatively high liquidity, and stable returns. These are also less volatile and involve lower risk compared to equity mutual funds. The downside to debt funds is they typically offer less significant returns than their equity counterparts. 

However, the precise scale of these advantages and disadvantages vary, depending on the type of debt fund. Approximately 15 debt fund categories are there based on the underlying asset and duration. 

The best Kotak debt mutual funds 2022 feature more than 10 schemes with various short and long-term options under this portfolio. 

Taxability

Besides the classification of best Kodak debt mutual funds, it’s also necessary to understand their taxability. 

Long-term Capital Gains Tax: Capital gains realised after the 3rd year of investment are considered LTCG. If you redeem the best Kotak debt mutual fund units after 3 years, a 20% tax will be applicable on the returns alongside indexation benefits. This benefit will remain applicable for each year you remain invested in a debt mutual fund. 

Short-term Capital Gains Tax: If you sell your debt mutual fund units before the 3-year mark from the date of purchase, the proceeds will be taxed per the income tax slab rate you qualify for. For instance, if you belong to the 10% tax slab, you are liable to pay 10% + 4% cess as STCGT.

TDS: Tax deducted at source is not applicable on debt mutual funds.

Factors to Consider Before Investing

Being aware of the taxability of debt mutual funds is imperative to make a suitable decision about investments and liquidating them. A comprehensive idea about the factors to consider is also essential in this regard. 

Investment objective: The first point to evaluate is the objective of investment. It is vital to be thorough about it as it will help you choose the right scheme from top Kotak debt mutual funds. You can select a plan per your financial goals and the timeframe within which you aim to achieve that. 

Risk appetite: Mutual fund investments are subject to various types of risks. Thus, it’s necessary to weigh in your capacity of digesting the same before investing. Theoretically, debt funds are minimally prone to market risk but significantly vulnerable to credit and inflation risks. Consider the associated risk factor to determine the best Kotak debt mutual funds.

Past performance of the fund: It is imperative to review the past performance of any fund before making a decision. Although previous performance isn’t an indicator of the probable returns, it offers insights into the bearish and bullish trends observed in different market conditions over a prolonged period.

Holding analysis: This parameter is also essential since the holding analysis shows where the resources are invested. It also provides an elementary idea about the level of returns to expect and the scale of losses to account for. 

Experience of the fund manager: It is also vital to check the fund manager’s experience prior to selecting a Kotak debt mutual fund. This piece of data can be an indicator of whether the fund manager is sufficiently equipped to navigate through severe market conditions. 

Expense ratio: The expense ratio denotes the aggregated expenses of managing a debt mutual fund, and it is deducted from the NAV.

Exit load: Exit load is charged by an AMC if you divest from a scheme partially or fully within a specific period, as mentioned in the scheme-related documents. However, certain schemes may not feature any exit load as it depends on particular plans. It’s wise to verify these aspects beforehand. 

Selecting the best Kotak debt mutual funds might be a tough ask for uninitiated investors. However, evaluating the aforesaid points carefully and an elementary understanding of mutual fund dynamics can be a good starting point.

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List of Kotak Mutual Funds in India

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
Kotak Flexicap FundEquityVery High3.9%3₹36,463
Kotak Emerging Equity FundEquityVery High10.6%4₹19,303
Kotak Low Duration FundDebtModerate3.6%4₹8,177
Kotak Gilt Investment PF & Trust FundDebtLow to Moderate2.1%3₹1,646
Kotak Tax Saver FundEquityVery High8.3%4₹2,670
Kotak Banking and PSU Debt FundDebtModerate3.4%4₹7,845
Kotak Small Cap FundEquityVery High14.7%4₹7,385
Kotak Dynamic Bond FundDebtModerate2.9%4₹2,238
Kotak Gold FundOtherModerately High4.3%3₹1,296
Kotak India EQ Contra FundEquityVery High7.3%5₹1,260
Kotak Equity Opportunities FundEquityVery High7.9%4₹9,557
Kotak Savings FundDebtLow to Moderate3.7%4₹12,596
Kotak Bond Short Term FundDebtLow to Moderate3.1%4₹15,113
Kotak Bluechip FundEquityVery High6.1%4₹4,162
Kotak Equity Arbitrage FundHybridLow4.6%4₹24,648
View All

Let's have a closer look

Now let us jump and check about these top 10 mutual fund schemes.

Kotak Flexicap Fund Direct Growth

Fund Performance: The Kotak Flexicap Fund has given 10.72% annualized returns in the past three years and 10.82% in the last 5 years. The Kotak Flexicap Fund belongs to the Equity category of Kotak Mahindra Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Kotak Flexicap Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹36,463Cr
1Y Returns3.9%

Kotak Emerging Equity Fund Direct Growth

Fund Performance: The Kotak Emerging Equity Fund has given 21.38% annualized returns in the past three years and 14.61% in the last 5 years. The Kotak Emerging Equity Fund belongs to the Equity category of Kotak Mahindra Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Kotak Emerging Equity Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹19,303Cr
1Y Returns10.6%

Kotak Low Duration Fund Direct Growth

Fund Performance: The Kotak Low Duration Fund has given 6.4% annualized returns in the past three years and 7.12% in the last 5 years. The Kotak Low Duration Fund belongs to the Debt category of Kotak Mahindra Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Kotak Low Duration Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹8,177Cr
1Y Returns3.6%

Kotak Gilt Investment PF & Trust Direct Growth

Fund Performance: The Kotak Gilt Investment PF & Trust Fund has given 7.92% annualized returns in the past three years and 7.22% in the last 5 years. The Kotak Gilt Investment PF & Trust Fund belongs to the Debt category of Kotak Mahindra Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Kotak Gilt Investment PF & Trust Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹1,646Cr
1Y Returns2.1%

Kotak Tax Saver Fund Direct Growth

Fund Performance: The Kotak Tax Saver Fund has given 15.05% annualized returns in the past three years and 12.5% in the last 5 years. The Kotak Tax Saver Fund belongs to the Equity category of Kotak Mahindra Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Kotak Tax Saver Fund via lump sum is ₹500 and via SIP is ₹500.

Min Investment Amt₹500
AUM₹2,670Cr
1Y Returns8.3%

Kotak Banking and PSU Debt Fund Direct Growth

Fund Performance: The Kotak Banking and PSU Debt Fund has given 7.42% annualized returns in the past three years and 7.43% in the last 5 years. The Kotak Banking and PSU Debt Fund belongs to the Debt category of Kotak Mahindra Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Kotak Banking and PSU Debt Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹7,845Cr
1Y Returns3.4%

Kotak Small Cap Fund Direct Growth

Fund Performance: The Kotak Small Cap Fund has given 29.96% annualized returns in the past three years and 17.35% in the last 5 years. The Kotak Small Cap Fund belongs to the Equity category of Kotak Mahindra Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Kotak Small Cap Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹7,385Cr
1Y Returns14.7%

Kotak Dynamic Bond Fund Direct Growth

Fund Performance: The Kotak Dynamic Bond Fund has given 7.65% annualized returns in the past three years and 7.8% in the last 5 years. The Kotak Dynamic Bond Fund belongs to the Debt category of Kotak Mahindra Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Kotak Dynamic Bond Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹2,238Cr
1Y Returns2.9%

Kotak Gold Fund Direct Growth

Fund Performance: The Kotak Gold Fund has given 16.6% annualized returns in the past three years and 11.56% in the last 5 years. The Kotak Gold Fund belongs to the Other category of Kotak Mahindra Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Kotak Gold Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹1,296Cr
1Y Returns4.3%

Kotak India EQ Contra Fund Direct Growth

Fund Performance: The Kotak India EQ Contra Fund has given 14.31% annualized returns in the past three years and 14.25% in the last 5 years. The Kotak India EQ Contra Fund belongs to the Equity category of Kotak Mahindra Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Kotak India EQ Contra Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹1,260Cr
1Y Returns7.3%

Kotak Equity Opportunities Fund Direct Growth

Fund Performance: The Kotak Equity Opportunities Fund has given 15.61% annualized returns in the past three years and 12.5% in the last 5 years. The Kotak Equity Opportunities Fund belongs to the Equity category of Kotak Mahindra Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Kotak Equity Opportunities Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹9,557Cr
1Y Returns7.9%

Kotak Savings Fund Direct Growth

Fund Performance: The Kotak Savings Fund has given 5.37% annualized returns in the past three years and 6.29% in the last 5 years. The Kotak Savings Fund belongs to the Debt category of Kotak Mahindra Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Kotak Savings Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹12,596Cr
1Y Returns3.7%

Kotak Bond Short Term Fund Direct Growth

Fund Performance: The Kotak Bond Short Term Fund has given 7.15% annualized returns in the past three years and 7.25% in the last 5 years. The Kotak Bond Short Term Fund belongs to the Debt category of Kotak Mahindra Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Kotak Bond Short Term Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹15,113Cr
1Y Returns3.1%

Kotak Bluechip Fund Direct Growth

Fund Performance: The Kotak Bluechip Fund has given 14.28% annualized returns in the past three years and 12.1% in the last 5 years. The Kotak Bluechip Fund belongs to the Equity category of Kotak Mahindra Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Kotak Bluechip Fund via lump sum is ₹1,000 and via SIP is ₹100.

Min Investment Amt₹1,000
AUM₹4,162Cr
1Y Returns6.1%

Kotak Equity Arbitrage Fund Direct Growth

Fund Performance: The Kotak Equity Arbitrage Fund has given 5.07% annualized returns in the past three years and 5.74% in the last 5 years. The Kotak Equity Arbitrage Fund belongs to the Hybrid category of Kotak Mahindra Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Kotak Equity Arbitrage Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹24,648Cr
1Y Returns4.6%

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