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Best Kotak Equity Mutual Funds

Kotak Mutual Fund is one of India’s largest fund houses in terms of asset under management. With Kotak Mahindra Asset Management Company Limited as the asset manager, this fund house operates as a wholly-owned subsidiary of Kotak Mahindra Bank Limited. 

Kotak Mutual Fund offers more than 35 schemes in various channels. These investment schemes comprise debt schemes, ETFs, hybrid funds, and the best Kotak equity mutual funds.

Equity funds are a type of mutual funds that predominantly invest in stocks of various companies across market capitalisations. The performance of these companies plays a key role in determining investors’ returns. 

A typical equity fund holds roughly 40-50 stocks in its portfolio. As a result, it dilutes the concentrated risk of investment. Among all other categories of mutual funds, equity mutual funds tend to deliver the highest returns to investors. 

Premised upon their investment objectives, an individual can choose the best Kotak equity mutual funds from a wide variety of EMF schemes. These include large-cap funds, large and mid-cap funds, mid-cap funds, and small-cap funds, among several others.

Like any other investment instrument, even the best Kotak equity mutual funds 2022 have their upsides and downsides. These schemes distribute wealth in equity and equity-related instruments with the potential to generate considerable returns. So, equity funds cater to investors seeking maximised capital appreciation in the long run by way of a diversified portfolio. 

However, equity instruments come with inherent volatility. An equity fund’s risk quotient can range from moderate to high, depending on various market conditions. As a result, these mutual funds are deemed suitable for long-term horizons and require investors to take calculated risks.

Currently, Kotak Mutual Funds has over 8 schemes under its category of equity funds.

Taxability

Prior to investing in any of the top Kotak equity mutual funds, it is imperative that prospective investors understand their tax treatment.

Short-term Capital Gains Tax: Investors realise short-term capital gains by redeeming their equity funds within a holding period of 1 year. These attract a Short-Term Capital Gains Tax or STCGT at a flat rate of 15%, regardless of one’s tax bracket.

Long-term Capital Gains Tax: Long-Term Capital Gains Tax or LTCG tax is levied on the sale of equity fund units after a holding period of 1 year. However, capital gains worth up to Rs.1 lakh a year are tax-exempt. On the other hand, capital gains exceeding Rs.1 lakh attract LTCG tax at a rate of 10%, with no benefit of indexation.

TDS: Dividend payouts exceeding Rs.5,000 are taxable at 10%.

Factors to Consider Before Investing

Besides their taxability, an investment in the best Kotak equity mutual funds also calls for investors to evaluate several other parameters.

Investment goal: The first step before investing in any scheme is to evaluate your investment objective. Based on your financial goals, you can choose to invest in any of the best Kotak equity mutual funds. Additionally, it is vital to ascertain a timeframe for achieving these goals. 

Expense ratio: Like any other organisation, asset management companies also incur annual expenses, such as management fees, administrative costs, etc. The expense ratio is a percentage of aggregate expense levied on an investor. For instance, an equity mutual fund offering 8.98% returns with an expense ratio of 1.75% extends 7.23% of actual returns to its investors. Hence, you must check an equity mutual fund’s expense ratio prior to investing in it. 

Portfolio analysis: All mutual funds come with a stated investment mandate to specify certain information. This includes detail about their allocation of assets between small or large companies and whether they exhibit growth characteristics. So, when investing in the best Kotak equity mutual funds, investors must analyse their portfolios. Moreover, equity mutual funds tend to carry moderate to high investment risk based upon their asset allocation. A review of a fund’s portfolio can offer an elementary idea of the risk involved. 

Experience of the fund manager: A check over a fund manager’s experience ensures that your investment is in competent hands. Additionally, it reveals the individual’s ability to sail a fund in various market cycles, i.e., during bear and bull phases.

Past performance of the fund: An equity mutual fund may or may not sustain its previous performance in future. Therefore, its past performance cannot be a parameter to gauge its probable returns. However, it can indicate a fund’s trends over various market conditions, which is an important factor to consider before investing.

Exit load: Fund houses levy an exit load on their investors if they sell units of an MF within a particular tenure. Most asset management companies charge this fee if investors sell their units within 1 year from the date of purchase. This exit load can vary depending on the type of mutual fund plan. Moreover, some schemes may not even feature any exit load. Therefore, it is wise to look into these aspects of a fund before investing.

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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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