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4 star

Kotak Equity Savings Fund - Regular Plan

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Hybrid: Equity Savings

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1 Lakh

Investment Grown to
₹ 1.24 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.20 Lakh

Suitability:

Equity-savings funds invest about a third of your money each in equity shares, bonds and arbitrage opportunities, though these proportions may vary a bit depending upon the market outlook of the fund manager. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt and arbitrage portions of these funds can provide a moderate, but steady stream of income. The equity allocation, though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.

Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
cal
cal

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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 0.99 -0.26 0.04 2.15 6.82 10.32 11.27 7.47 9.02 -- --
VR MIP TRI 1.06 -0.57 -0.11 2.55 7.69 10.38 11.57 8.51 9.80 -- --
Hybrid: Equity Savings 1.16 -0.49 -0.30 2.79 8.30 11.90 10.13 5.63 8.04 -- --
Rank within category 15 4 2 21 18 15 11 3 5 -- --
Number of funds in category 23 23 23 23 23 23 23 14 11 0 0

As on 22-Jan-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Kotak Equity Savings Fund - Regular Plan  | Invest Online
4 star
 Oct-14 11.27 7.47 9.02 2.21 1,373
ICICI Prudential Equity Savings Fund  | Invest Now
4 star
 Dec-14 5.06 6.35 9.05 1.51 1,048
Axis Equity Saver Fund - Regular Plan
4 star
 Aug-15 11.55 8.12 9.07 2.39 702
HDFC Equity Savings Fund  | Invest Online
2 star
 Sep-04 10.15 5.28 10.00 2.09 2,577
SBI Equity Savings Fund - Regular Plan  | Invest Online
3 star
 May-15 13.08 6.91 9.00 1.70 1,350

Best & Worst Performance

Best (Period) Worst (Period)
Week 4.97 (01-Apr-2020 - 09-Apr-2020) -8.23 (16-Mar-2020 - 23-Mar-2020)
Month 9.81 (23-Mar-2020 - 22-Apr-2020) -16.50 (20-Feb-2020 - 23-Mar-2020)
Quarter 15.92 (23-Mar-2020 - 22-Jun-2020) -15.52 (23-Dec-2019 - 23-Mar-2020)
Year 15.39 (26-Dec-2016 - 26-Dec-2017) -10.39 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 7.54 8.48 0.33 0.34 1.16 -1.65
VR MIP TRI 8.59 6.92 0.55 0.65 -- --
Hybrid: Equity Savings 5.85 9.59 0.14 0.17 1.30 -3.87
Rank within category 3 5 3 4 4 3
Number of funds in category 16 16 16 16 16 16

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Dec-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 81
Number of Bonds 3
Average Maturity (yrs) 0.05
Top 10 Holdings (%) 52.76
Portfolio P/B Ratio 2.37
Portfolio P/E Ratio 28.37

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal Kotak Money Market Fund Direct-G Mutual Fund -- 5.79 - 13.77 13.57
new Kotak Liquid - Plan A - Direct Plan-Gr Mutual Fund -- 0.00 - 3.65 3.65
equal 8.75% Axis Bank 28/06/2022 Bonds AA+ 1.40 - 1.90 1.89
equal 8.75% Axis Bank Bonds/Debentures AA+ 1.40 - 1.89 1.88
equal HDFC Bank Term Deposits -- 1.59 - 6.29 1.59

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
down Grasim Industries Construction 19.30 9.20 0.00 8.79
down ICICI Bank Financial 26.46 5.14 0.00 5.14
equal Adani Enterprises Services 65.88 4.65 0.00 4.65
down Reliance Industries Energy 32.81 9.68 1.24 4.47
down Infosys Technology 30.70 3.59 0.37 3.59
down HDFC Bank Financial 25.92 4.49 0.25 3.29
down HDFC Financial 28.84 6.76 0.57 3.12
down Tata Consultancy Services Technology 39.69 3.14 0.64 2.50
down Vedanta Metals -- 2.33 0.00 2.33
up Hindustan Unilever FMCG 80.69 3.09 0.89 2.11
equal Axis Bank Financial 55.59 2.79 0.16 1.59
down Kotak Mahindra Bank Financial 40.07 1.78 0.00 1.42
equal GMR Infrastructure Construction -- 2.80 0.00 1.28
up Bharti Airtel Communication -- 3.92 0.53 1.24
down Larsen & Toubro Construction 16.83 1.86 0.00 1.23
equal Adani Ports and Special Economic Zone Services 28.42 1.15 0.00 1.15
equal Zee Entertainment Services -- 0.90 0.00 0.90
up Persistent Systems Technology 32.45 0.90 0.00 0.90
equal SBI Cards & Payments Services Financial 108.85 0.86 0.00 0.85
new Indian Railway Catering & Tourism Corpn. Services 53.09 0.83 0.00 0.83
down HDFC Financial 28.84 0.80
up Bajaj Finance Financial 74.44 3.56 0.56 0.73
equal ICICI Lombard General Insurance Company Financial 46.29 0.72 0.00 0.72
equal SBI Life Insurance Company Financial 59.26 0.69 0.00 0.69
equal Jindal Steel & Power Metals 13.87 2.69 0.00 0.67

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Dec-2020

Fund Manager

— Abhishek Bisen since 17-Sep-2014

Education: Mr. Bisen is a BA and MBA in Finance.

Experience: Prior to joining Kotak AMC, Abhishek was working with Securities Trading Corporation Of India Ltd where he was looking at Sales & Trading of Fixed Income Products apart from doing Portfolio Advisory. His earlier assignments also include 2 years of merchant banking experience with a leading merchant banking firm.

Funds Managed:

— Harish Krishnan since 09-May-2019

Education: Mr. Krishnan is a Graduate from Government Engineering College Trichur and MBA from IIM Kozhikode

Experience: Prior to joining Kotak AMC he has worked with Kotak Mahindra (UK) Ltd.

Funds Managed:

— Hiten Shah since 03-Oct-2019

Education: Mr. Shah is a Masters in Management Studies (Finance) from Mumbai University.

Experience: Prior to joining Edelweiss Asset Management Limited (since July 2011) he was associated with Edelweiss Securities Limited as Low Risk Arbitrage Trader for over three years.

Funds Managed:

Invest Online
-0.26%

Change from previous, NAV as on 22-Jan-2021

Growth: ₹ 16.6477

Dividend Quarterly: ₹ 12.2284

Dividend Monthly: ₹ 12.2785

Investment Strategy

The scheme seeks to generate capital appreciation and income by predominantly investing in arbitrage opportunities in the cash and derivatives segment of the equity market, and enhance returns with a moderate exposure in equity & equity related instruments.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 1,000
Minimum No of Cheques 6
Minimum Withdrawal (₹) 1,000
Minimum Balance (₹) 1,000
Exit Load For units in excess of 8% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: Kotak Mahindra Mutual Fund
Launch Date: 13-Oct-2014
Return Since Launch: 8.45%
Benchmark: NIFTY 50 Arbitrage TRI (75), NIFTY 50 TRI (25)
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,373 Cr (As on 31-Dec-2020)
Expense: 2.21% (As on 31-Dec-2020)
Risk Grade: Below Average
Return Grade: Above Average
Turnover: 61.96%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly14-Dec-20200.0404

 12-Nov-20200.0381
 12-Oct-20200.0395
 14-Sep-20200.0405
 12-Aug-20200.0423
 13-Jul-20200.0430
 12-Jun-20200.0398
 12-May-20200.0786
 12-Mar-20200.0370
 12-Feb-20200.0386
 13-Jan-20200.0486
 12-Dec-20190.0428
 13-Nov-20190.0440
 15-Oct-20190.0452
 14-Oct-20190.0452
 12-Sep-20190.0371
 13-Aug-20190.0410
 12-Jul-20190.0425
 12-Jun-20190.0436
 13-May-20190.0461
 12-Apr-20190.0440
 12-Mar-20190.0396
 12-Feb-20190.0550
 14-Jan-20190.0421
 12-Dec-20180.0432
Dividend Quarterly21-Sep-20200.1253

 22-Jun-20200.2210
 20-Dec-20190.0329
 20-Sep-20190.1354
 20-Jun-20190.1576
 20-Mar-20190.1553
 20-Dec-20180.1341
 21-Sep-20180.1740
 20-Jun-20180.1584
 20-Mar-20180.1789
 20-Dec-20170.1803
 20-Sep-20170.1750
 20-Jun-20170.1500
 20-Mar-20170.1500
 20-Dec-20160.1500
 20-Sep-20160.1500
 20-Jun-20160.1250
 21-Mar-20160.1200
 21-Dec-20150.1500
 21-Sep-20150.1443
 22-Jun-20150.1250
 20-Mar-20150.1500

Contact Information

AMC: Kotak Mahindra Asset Management Company Ltd

Address: 27 BKC, C-27, G Block, Bandra Kurla Complex, Bandra (E) Mumbai - 400051

Phone: 022-61152100 / 1800-22-2626

Fax: 022-66384455

Email: [email protected]

Website: http://www.kotakmutual.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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