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Best Mahindra Hybrid Mutual Funds

Incorporated under the Companies Act 1956, Mahindra Manulife Investment Management Private Limited is a collaboration between Mahindra & Mahindra Financial Services Limited and Manulife Investment Management Singapore Pte Ltd. As of March 2021, the average quarterly AUM of this organisation stood at Rs.5271.07 crore. 

The offerings of this Mahindra Manulife comprise more than 15 schemes distributed across debt, equity, and hybrid categories. This includes the best Mahindra Hybrid mutual funds.

Hybrid funds invest in a combination of asset classes to develop a diversified portfolio. A balanced MF’s portfolio can comprise debt, equity, gold, real estate, etc. Primarily based on debt and equity allocation, they can be classified as equity- or debt-based hybrid fund. There are various other classifications, like arbitrage, multi-asset allocation, dynamic, balanced, conservative, and aggressive funds.

Conservative funds invest predominantly in fixed-income securities and aggressive funds in stocks. Arbitrage funds benefit from arbitrage opportunities, whereas dynamic funds can invest the entire amount in stocks or debt securities premised on the market conditions. Balanced funds typically hold 40% bonds and 60% stocks or vice versa. 

Investors enjoy the opportunity to diversify their portfolio via a single investment vehicle through these funds. The best Mahindra hybrid mutual funds are considered suitable for stable returns, average capital appreciation, and low risk. 

The main target of an appropriately managed hybrid fund is to yield long-term capital appreciation and short-term income by distributing the investment corpus across various asset types in a well-planned manner. There are stated objectives associated with these funds, like moderate, aggressive, or conservative growth. This indicates the kind of growth and the risk level that the fund would most likely involve.

To produce capital appreciation in the long term, it invests in stocks. On the other hand, it makes investments in government bonds and other debt instruments to generate stable income in the short run. The equity component in these funds provides a potential for earning greater returns, while the debt component offers protection against market fluctuations. Thus, the best Mahindra hybrid mutual funds 2023 can also present a suitable standalone option. The current mutual fund scheme offerings of this AMC include approximately 3 hybrid funds.

Taxability

Short-term Capital Gains Tax: For equity-oriented hybrid funds held for less than 1 year, STCG is taxed at a 15% rate. On the other hand, for a debt-oriented hybrid MF held for less than 3 years, the STCG is added to a person’s taxable income and taxed accordingly. 

Long-term Capital Gains Tax: The LTCG from an equity-based hybrid fund attracts 10% tax if the amount crosses Rs.1 lakh. At the same time, gains on debt-based fund units held for more than 3 years are liable for 20% tax plus indexation benefits. 

TDS: It does not apply to capital gains. But, dividends of more than Rs.5000 in an FY will be liable for 10% TDS.

Factors to Consider Before Investing

Besides the factors described above, investors may also want to consider a few factors when shortlisting the top Mahindra hybrid mutual funds

Equity exposure: Investors must be aware of the equity exposure in the best Mahindra hybrid mutual fund. As discussed above, a scheme’s equity exposure determines its volatility and range of returns. Hence, individuals may want to assess their risk-bearing capacity to evaluate the level of risk they can digest. Note that funds with extensive investments in large-cap stocks are usually not as risky as those with small-cap or micro-cap stocks. 

Return: One must keep in mind that hybrid mutual funds do not commit guaranteed returns. The NAV of the best Mahindra hybrid mutual funds face an impact due to the performance of underlying securities. That is the reason why one might witness fluctuations due to market movements. Furthermore, these funds might not declare dividends during market downturns.

Investment horizon: With an increase in the length of the investment horizon, the prospects of high and stable returns get better. Usually, debt-based funds offer better opportunities in the short to mid-term horizon, whereas an equity-based scheme provides significant returns in the long run. Investors may want to consider the period they wish to remain invested in determining a suitable scheme. 

Fund performance: One can consider the previous performance when shortlisting viable Mahindra Manulife hybrid mutual funds. It doesn’t hint at future returns. However, this assessment can reveal a scheme’s fundamental strength in generating above-average returns under various market conditions. Thus, one can gather an idea about the best Mahindra hybrid mutual funds. 

Investment route: There are two ways to invest in a Mahindra hybrid mutual fund – lump-sum and SIP. The former requires a one-time investment, whereas the latter lets investors deposit a fixed amount periodically. In lump-sum, investors can buy units per a single day’s NAV. One can buy a varying number of units with a fixed sum according to changing NAVs in SIP

The aforesaid points and a basic understanding of MFs and market movements can help investors pick the best Mahindra hybrid mutual funds for them.

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List of Mahindra Hybrid Mutual Funds in India

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
Kotak Flexicap Fund
EquityVery High41.8%3₹48,469
Kotak Emerging Equity Fund
EquityVery High54.3%4₹45,017
Kotak Low Duration Fund
DebtModerate7.6%2₹9,154
Kotak Gilt Investment PF & Trust Fund
DebtModerate7.9%4₹2,882
Kotak ELSS Tax Saver Fund
EquityVery High44.7%4₹5,768
Kotak Banking and PSU Debt Fund
DebtModerate7.6%4₹5,967
Kotak Small Cap Fund
EquityVery High46.6%3₹15,282
Kotak Dynamic Bond Fund
DebtModerate9.4%3₹2,517
Kotak Gold Fund
OtherHigh21.9%3₹1,864
Kotak India EQ Contra Fund
EquityVery High56.4%4₹3,136
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 19.51% annualized returns in the past three years and 18.52% in the last 5 years. The Kotak Flexicap Fund comes under 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 ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹48,469Cr
1Y Returns41.8%

Kotak Emerging Equity Fund Direct Growth

Fund Performance: The Kotak Emerging Equity Fund has given 27.07% annualized returns in the past three years and 28.57% in the last 5 years. The Kotak Emerging Equity Fund comes under 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 ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹45,017Cr
1Y Returns54.3%

Kotak Low Duration Fund Direct Growth

Fund Performance: The Kotak Low Duration Fund has given 6.12% annualized returns in the past three years and 6.83% in the last 5 years. The Kotak Low Duration Fund comes under 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 ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹9,154Cr
1Y Returns7.6%

Kotak Gilt Investment PF & Trust Direct Growth

Fund Performance: The Kotak Gilt Investment PF & Trust Fund has given 5.12% annualized returns in the past three years and 8.45% in the last 5 years. The Kotak Gilt Investment PF & Trust Fund comes under 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 ₹100.

Min Investment Amt₹5,000
AUM₹2,882Cr
1Y Returns7.9%

Kotak ELSS Tax Saver Fund Direct Growth

Fund Performance: The Kotak ELSS Tax Saver Fund has given 22.73% annualized returns in the past three years and 22.21% in the last 5 years. The Kotak ELSS Tax Saver Fund comes under the Equity category of Kotak Mahindra Mutual Funds.

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

Min Investment Amt₹500
AUM₹5,768Cr
1Y Returns44.7%

Kotak Banking and PSU Debt Fund Direct Growth

Fund Performance: The Kotak Banking and PSU Debt Fund has given 5.99% annualized returns in the past three years and 7.17% in the last 5 years. The Kotak Banking and PSU Debt Fund comes under 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 ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹5,967Cr
1Y Returns7.6%

Kotak Small Cap Fund Direct Growth

Fund Performance: The Kotak Small Cap Fund has given 25.36% annualized returns in the past three years and 32.01% in the last 5 years. The Kotak Small Cap Fund comes under 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 ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹15,282Cr
1Y Returns46.6%

Kotak Dynamic Bond Fund Direct Growth

Fund Performance: The Kotak Dynamic Bond Fund has given 6.47% annualized returns in the past three years and 7.53% in the last 5 years. The Kotak Dynamic Bond Fund comes under 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 ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹2,517Cr
1Y Returns9.4%

Kotak Gold Fund Direct Growth

Fund Performance: The Kotak Gold Fund has given 13.73% annualized returns in the past three years and 15.35% in the last 5 years. The Kotak Gold Fund comes under 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 ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹1,864Cr
1Y Returns21.9%

Kotak India EQ Contra Fund Direct Growth

Fund Performance: The Kotak India EQ Contra Fund has given 26.17% annualized returns in the past three years and 24.09% in the last 5 years. The Kotak India EQ Contra Fund comes under 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 ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹3,136Cr
1Y Returns56.4%

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