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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
₹ 1.35 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.34 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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(₹)
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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 1.70 -0.04 0.73 1.64 2.05 7.09 11.58 10.49 9.56 8.79 --
VR MIP TRI* 1.92 0.02 0.96 1.87 0.18 7.21 11.16 11.04 9.85 8.90 --
Hybrid: Equity Savings* 1.73 0.00 0.85 1.71 0.65 6.06 12.34 10.43 8.65 8.25 --
Rank within category* 13 17 14 13 1 4 13 10 6 1 --
Number of funds in category* 22 22 22 22 22 22 22 19 13 6 0

As on 14-Jan-2022

* As on 16-Jan-2022

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 11.58 10.49 9.56 2.25% 1,668
Axis Equity Saver Fund - Regular Plan
4 star
 Aug-15 13.85 11.85 10.67 2.18% 1,161
Mirae Asset Equity Savings Fund - Regular Plan  | Invest Online
5 star
 Dec-18 15.46 14.14 -- 1.41% 450
ICICI Prudential Equity Savings Fund  | Invest Now
3 star
 Dec-14 8.42 8.50 7.57 1.04% 4,927
HDFC Equity Savings Fund  | Invest Online
3 star
 Sep-04 16.62 11.40 9.64 2.18% 2,521

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) 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 32.92 23-Mar-2020 - 23-Mar-2021 -10.39 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 9.67 8.31 0.71 0.76 1.13 -1.20
VR MIP TRI 10.03 6.79 0.93 1.14 -- --
Hybrid: Equity Savings 9.54 9.17 0.66 0.72 1.25 -2.08
Rank within category 10 8 10 11 8 10
Number of funds in category 21 21 21 21 21 21

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

As on 31-Dec-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 76
Number of Bonds 2
Average Maturity (yrs) * --
Top 10 Holdings (%) 44.28
Portfolio P/B Ratio 2.25
Portfolio P/E Ratio 15.14

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 -- 11.58 - 13.81 11.58
up GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 0.00 - 9.18 5.10
equal Kotak Liquid - Plan A - Direct Plan-Gr Mutual Fund -- 3.71 - 4.38 3.72
up GOI 2028 GOI Securities SOV 0.00 - 2.67 2.67

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

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal ICICI Bank Financial 26.79 5.88 1.12 5.70
equal Reliance Industries Energy 32.85 9.68 2.86 3.52
up Tata Consultancy Services Technology 39.00 3.15 1.63 3.15
equal SAIL Metals 3.39 5.56 0.00 2.97
equal Canara Bank Financial 9.19 3.23 0.00 2.93
equal Adani Ports and Special Economic Zone Services 31.15 3.25 0.00 2.93
equal Grasim Industries Construction 19.99 9.20 0.00 2.67
equal Adani Enterprises Services 202.89 8.03 0.96 2.60
equal Persistent Systems Technology 59.49 2.20 0.00 2.20
equal Maruti Suzuki India Automobile 58.15 2.48 0.46 2.19
equal ITC FMCG 19.22 3.30 0.36 2.18
equal State Bank of India Financial 15.83 2.74 0.00 2.18
equal HDFC Bank Financial 23.76 4.49 1.66 2.00
equal Infosys Technology 37.72 3.59 1.45 1.88
equal Bharti Airtel Communication 139.95 3.92 0.53 1.61
equal Chennai Super Kings Services -- 1.36 0.17 1.33
equal NTPC Energy 9.80 1.80 0.00 1.27
equal Tata Steel Metals 4.76 2.10 0.00 1.25
equal HDFC Financial 23.60 6.76 1.18 1.18
equal Sapphire Foods India Services -- 1.08 0.00 1.08
equal Zee Entertainment Services 26.72 1.08 0.00 1.06
equal JSW Steel Metals 8.27 0.99 0.27 0.99
equal Axis Bank Financial 22.13 2.79 0.58 0.94
equal Hindustan Unilever FMCG 66.13 3.09 0.08 0.92
equal Tata Power Company Energy 53.68 0.89 0.00 0.89

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-2021

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:

— Devender Singhal since 01-Apr-2021

Education: Mr. Singhal has done B.A. (Maths) from Delhi University and PGDM, Finance from Fore School of Management, Delhi.

Experience: Prior to joining Kotak Mahindra AMC , he has worked with Kotak Securities Ltd.(July 2007 -- January 2009) ,Religare (February 2006 -- June 2007), Karvy (July 2004 -- January 2006), P N Vijay Financial Services Pvt Ltd(2001 -- 2004) and Dundee Mutual Fund( Summer Trainee ) (May 2000 -- June 2000 ).

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 Kotak Mahindra Mutual fund, he was associated with Edelweiss Asset Management for more than 8 years as a CoFund manager and Chief dealer in equities segment. He was also associated with Edelweiss securities Ltd. as low risk arbitrage trader for more than 3 years.

Funds Managed:

Invest Online
-0.04%

Change from previous, NAV as on 14-Jan-2022

Growth: ₹ 18.6236

IDCW Monthly: ₹ 13.7362

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

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 1,000
Min. No of Cheques 6
Min. Withdrawal (₹) 1,000
Min. Balance (₹) 1,000
Lock-in Period Not Applicable
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: 8.94%
Benchmark: NIFTY Equity Savings TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,668 Cr (As on 31-Dec-2021)
Expense: 2.25% (As on 30-Nov-2021)
Risk Grade: Below Average
Return Grade: Average
Turnover: 44.25%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW 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
IDCW 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: https://www.kotakmf.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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