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Best Kotak Hybrid Mutual Funds

Kotak Mutual Fund is one of the largest AMCs in India in terms of asset size. As per its quarterly figure in FY 2019-20, this fund house managed assets worth Rs.1.68 lakh crore. This AMC is a wholly-owned subsidiary of Kotak Mahindra Bank Limited, with Kotak Mahindra Asset Management Company managing its assets.

This fund house offers 35+ direct schemes and 40+ regular plans in various categories. These schemes include debt funds, equity schemes, ETFs, and some of the best Kotak hybrid mutual funds.

A hybrid fund is a kind of mutual fund scheme. It invests in varying types of securities. Investors can choose from a number of hybrid fund categories based on the mix of debt and equity investments. There are seven categories of hybrid mutual funds, namely: balanced, aggressive, multi-asset allocation, conservative, equity savings funds, dynamic asset location, and arbitrage funds.

Essentially, these funds operate on three principles: allocation, correlation, and diversification.

Hybrid MFs allocate the fund corpus by investing in different classes of assets – equity and debt, primarily. Then, they enable correlation by way of the co-movement of returns. Moreover, given that the best Kotak hybrid mutual funds have multiple types of assets in their portfolio, they achieve effective diversification.

These mutual funds invest in equity as well as debt instruments in various proportions. SEBI mandates a 40% - 60% between equity and debt securities. 

As the best Kotak hybrid mutual funds 2022 invest in a blend of instruments, they usually offer higher returns as compared to regular debt fund schemes. On the other hand, given that hybrid MFs lower associated risk, investing in such schemes tends to be safer as compared to other aggressive investment tools, such as equity funds.

Kotak Mutual Fund offers roughly 5 schemes under its category of hybrid schemes. These comprise equity-oriented funds, arbitrage funds, balanced advantaged funds, and debt-based schemes, among others.  

Taxability

Prior to investing in any of the top Kotak hybrid mutual funds, prospective investors must have a clear understanding of their taxability. In the case of hybrid MFs, gains are taxable as per a scheme’s debt-equity component.

Short-term capital gains tax: Hybrid funds with a larger share of investment in equity shares attract a 15% STCG tax if capital gains are realised within the first year. If an investor realises capital gain from the sale of debt-based fund units before 3 years of investment, it is added to their income and taxed accordingly. 

Long-term capital gains tax: A 10% LTCGT is applicable if an investor sells their equity-based MF scheme units after 1 year of investment. Debt-oriented funds attract 20% LTCGT + indexation benefits on proceeds from the sale of units after 3 years. 

TDS: TDS is not applicable on hybrid fund schemes with a significant investment in debt securities. On the other hand, dividends paid out for an equity-based scheme attract 10% TDS. 

Factors to Consider Before Investing

Investors should ascertain their investment objective and risk appetite when choosing a hybrid mutual fund. Furthermore, a comprehensive understanding of various factors is essential to determine the best Kotak hybrid mutual fund. 

Return: These MFs are vulnerable to market movements, which leads to varying returns. Moreover, the performance of a hybrid fund’s underlying securities is also reflected in its total returns. 

Risk factor: Hybrid funds, like any investment in equity markets, carries some degree of risk. However, these funds tend to be less risky than pure equity mutual funds. Investors can lower their concentrated risk of investment through regular portfolio balancing.

Holding analysis: These MFs carry an investment risk premised upon their asset allocation. Therefore, an evaluation of their portfolio beforehand can offer an elementary idea of the risks involved.

Past performance of the fund: Investors can analyse a fund’s performance over the years and in varied market conditions. However, prospective investors must know that past performance is not an indicator of probable returns. This analysis can help study its bullish or bearish trends over varied market conditions, which assists in choosing the best Kotak hybrid mutual funds.

Expense ratio: As asset management companies manage an investment portfolio, they levy an annual charge against this service. This fee is expressed in percentage and is known as an expense ratio. For example, a hybrid mutual fund offering a 7% return with an expense ratio of 2.11% offers 4.89% of actual returns to its investors. 

Experience of the fund manager: When investing in the best Kotak hybrid mutual funds, it is essential to evaluate their respective fund managers’ experience. This analysis offers valuable insights into a fund manager’s ability to manoeuvre the MF through market ups and downs. 

Exit Load: Mutual fund houses charge a fee when investors exit a scheme fully or partially within a specific period. This fee is known as exit load. It varies with every MF plan, wherein some schemes may not feature any exit load. 

Therefore, evaluation of these aspects is critical when investing in the best Kotak hybrid mutual funds.

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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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