How are the returns of Kotak ELSS Tax Saver Fund - Growth fund?

Kotak ELSS Tax Saver Fund - Growth fund has delivered a CAGR of 1 year: 4.59%, 3 years: 13.75%, 5 years: 25.29%, and 9 years: 15.6%. However, its average rolling 1 year: 17.57%, 3 years: 16.15%, 5 years: 14.85%, and 9 years: 13.10%.

How much does Kotak ELSS Tax Saver Fund - Growth Fund charge as expense ratio?

Kotak ELSS Tax Saver Fund - Growth expense ratio is 1.78%

How can I redeem my investments in Kotak ELSS Tax Saver Fund - Growth Fund?

Give a request for redemption of the number of units or the amount you want. The request will be acknowledged and you will get information about the redemption and the NAV at which redeemed. The amount will be deposited in the designated bank account.

What is the category of Kotak ELSS Tax Saver Fund - Growth Fund?

The category of Kotak ELSS Tax Saver Fund - Growth is Equity - ELSS

What is the PE and PB ratio of Kotak ELSS Tax Saver Fund - Growth Fund Direct Plan Growth?

Kotak ELSS Tax Saver Fund - Growth current PE is 36.68 and PB ratio is 5.07

What is the minimum SIP amount of Kotak ELSS Tax Saver Fund - Growth Fund?

The minimum SIP amount for this fund is Rs.500.00 and minimum lumpsum is Rs.500.00

Is there any Exit Load for Kotak ELSS Tax Saver Fund - Growth Fund?

The exit load for this fund is Nil

Kotak ELSS Tax Saver Fund - Growth

Q: What is the current NAV of Kotak ELSS Tax Saver Fund - Growth Fund?

The Current NAV of Kotak ELSS Tax Saver Fund - Growth is Rs.108.33

Q: What is the AUM or size of Kotak ELSS Tax Saver Fund - Growth Fund?

The AUM of Kotak ELSS Tax Saver Fund - Growth is currently 5,863 Crores.

Q: What are the top stock holdings of Kotak ELSS Tax Saver Fund - Growth Fund?

The Top 3 stocks are HDFC Bank, ICICI Bank and Infosys and account for 20% of its portfolio. Top 5 and 10 stocks of fund account for 27% and 42% of fund’s portfolio respectively.

Q: What are the top sectors Kotak ELSS Tax Saver Fund - Growthfund has invested in?

Top three sectors of funds are BFSI, Construction & Infrastructure and IT accounting for 55% of the total portfolio.

NAV 108.33(1.27%)

Apr 17, 2025

Kotak ELSS Tax Saver Fund - Growth

Portfolio Compare

Decision Maker
Portfolio Quality

AUM

₹5,862 Cr

Expense (%)

1.78

Turnover (%)

39.06

Decision Maker

1. Right Fund

Performance

Quality

2. Right Time

Benchmark

Debt Fund
8%

Likely Future 5 Year CAGR.

3. Right Allocation

Will this Fund help diversify your portfolio?

Right Allocation advice is provided under Omega

Fund Review

3Yr Rolling Returns(%)

Benchmark# : NIFTY 500

Rolling: 1Y 3Y 5Y 9Y

CAGR ⓘ

	9 Year	5 Year	3 Year	1 Year
Benchmark# BM# Returns(%)	14.21	24.99	12.73	5.35
Fund Returns(%)	15.6	25.29	13.75	4.59
Implied Investor Returns(%) IR	15.82	20.03	14.99	-1.07

Benchmark# is NIFTY 500

Kotak ELSS Tax Saver Fund Review : 19 Apr 2025

Kotak ELSS Tax Saver Fund is a Equity - ELSS with an 5,863(Cr) AUM. It is Open Ended scheme launched on 23 Nov 2005. Currently, Harsha Upadhyaya as the manager managing the fund. Benchmark of the scheme is NIFTY 500 - TRI.

1. How has the Kotak ELSS Tax Saver Fund Performed in the past? 16

On a 3-year rolling returns basis It has almost always outperformed the Benchmark..
The fund has delivered a 3, 5 and 9 year average rolling returns of 16.15%, 14.85%, and 13.10% with a standard deviation of 6.85%, 4.21%, and 3.53% respectively.
It has demonstrated CAGR of 13.75%, 25.29%, and 15.6% over 3, 5 and 9 years.
The Average 3, 5 and 9 year rolling Alpha is 2.41%, 2.16%, and 1.77%.
For last 5 years, Investors have earned less returns than the Fund. This may indicate that Investors in the fund were not aligned to the investing process followed by the fund.

2. How is the Quality of Kotak ELSS Tax Saver Fund? Q

Fund's Portfolio Quality is Very Good. It has a large proportion of Green Stocks.

Portfolio Composition

The fund is 97% in equity and hold 55 number of stocks. The Top 3 stocks are Infosys, ICICI Bank and HDFC Bank and account for 20% of its portfolio. Top 5 and 10 stocks of fund account for 27% and 42% of fund’s portfolio respectively. Top three sectors of funds are BFSI, Construction & Infrastructure and IT accounting for 55% of the total portfolio.

3. Should you SIP in Kotak ELSS Tax Saver Fund? 16 Q

You can consider SIP in this fund as it has consistently outperformed the benchmark and has a Very good quality portfolio.
Fund's returns are more likely to be different than its benchmark NIFTY 500 returns, as Fund’s portfolio is significantly different.
You need to look at the other funds in your portfolio and ensure this fund helps diversify your portfolio meaningfully.
Before investing a large lumpsum amount in a fund you need to assess its Upside Potential. You can contact us for advice.

4. What are the Risks in the Kotak ELSS Tax Saver Fund?

Kotak ELSS Tax Saver Fund is likely to perform reasonably well in both a rising and falling markets.
The Fund has fallen harder, but not recovered faster than its Benchmark.

Underlying Asset Quality & Valuation

Underlying Asset Quality Valuation(%) ⓘ

Underlying Asset Valuation (%) ⓘ

Peer Comparison on returns

Upside and Downside Capture Ratio ⓘ

	1 Year	3 Year	5 Year	9 Year
Upside %	103	98	94	98
Downside %	46	55	62	52

Statistical Measure*

	Mean	Std Dev	Sharpe	Sortino	Beta	Alpha
Fund	0.03%	0.94	0.02	0.03	1.02	-3%
Benchmark#	0.02%	1.06	0.01	0.01	1.02	-

*Based on daily returns for past 1 year.

Mean and Standard Deviation

	Average Rolling Return				Standard Deviation
	1 Year	3 Year	5 Year	9 Year	1 Year	3 Year	5 Year	9 Year
Fund	17.57	16.15	14.85	13.10	19.03	6.85	4.21	3.53
Benchmark#	16.04	13.74	12.69	11.42	19.89	5.94	4.14	3.23

Drawdown and Recovery Period ⓘ

No Data Found

Top 10 Holdings

Company (Q)	Sector	% Assets
HDFC BANK LTD.	BFSI	9.36
ICICI BANK LTD.	BFSI	5.98
Infosys Ltd.	IT	4.82
STATE BANK OF INDIA.	BFSI	3.55
AXIS BANK LTD.	BFSI	3.29
Larsen and Toubro Ltd.	Construction & Infrastructure	3.28
Tech Mahindra Ltd.	IT	3.27
BHARTI AIRTEL LTD.	Telecom	3.07
NTPC LTD	Construction & Infrastructure	3.05
Triparty Repo	Miscellaneous	2.78

Fund Overview Kotak ELSS Tax Saver Fund - Growth

Launch Date	23 Nov 2005
Benchmark	NIFTY 500 - TRI
Performance comparison Benchmark#	NIFTY 500
Riskometer	Very High
Turnover	39.06%
Type	Open ended scheme
Return Since Launch	13.52%
Min. Investment	500.00
Min. Additional investment Min. Add. inv.	500.00
Min. SIP	500.00
Min. Cheques	6
Min. Withdrawal	1000.00
Exit Load	0.00%
Remark	Nil

Portfolio Compare

FAQ : Kotak ELSS Tax Saver Fund - Growth

Kotak ELSS Tax Saver Fund - Growth has delivered CAGR and average rolling returns as follows :

	1 Year	3 Year	5 Year	9 Year
CAGR(%)	4.59	13.75	25.29	15.6
Average Rolling Returns(%)	17.57	16.15	14.85	13.10

The Current NAV of Kotak ELSS Tax Saver Fund - Growth is ₹108.33.

You can consider SIP in Kotak ELSS Tax Saver Fund - Growth as it has consistently outperformed the benchmark and has a Very good quality portfolio. Funds returns are more likely to be different than its benchmark NIFTY 500 returns, as Funds portfolio is significantly different.

Kotak ELSS Tax Saver Fund - Growth fund’s expense ratio is 1.78%

The process for redemption is

Give a request for redemption of the number of units or the amount you want. The request will be acknowledged.
You will get information about the redemption and the NAV at which redeemed.
The amount will be deposited in the designated bank account.

The AUM of Kotak ELSS Tax Saver Fund - Growth is currently ₹5,863 Crores.

The Top three stocks are HDFC Bank, ICICI Bank and Infosys and account for 20% of its portfolio. Top 5 and 10 stocks of fund account for 27% and 42% of fund’s portfolio respectively.

Top three sectors of Kotak ELSS Tax Saver Fund - Growth fund are BFSI, Construction & Infrastructure and IT accounting for 55% of the total portfolio.

Funds Portfolio Quality is Very Good. It has a large proportion of Green Stocks.Since this is a Equity - ELSS it is comparatively safer to invest in this fund. However, since it has not consistently outperformed its benchmark index on an average 3-year rolling returns basis it is not the most suitable fund for SIP.

The category of Kotak ELSS Tax Saver Fund - Growth Fund is Equity - ELSS.

Harsha Upadhyaya manages the Kotak ELSS Tax Saver Fund - Growth Fund.

Kotak ELSS Tax Saver Fund - Growth current PE ratio is 36.68 and PB ratio is 5.07

The asset allocation of Kotak ELSS Tax Saver Fund - Growth is Stocks : 97.35%, Debt : 2.64% and Gold : 0%

The minimum SIP amount for Kotak ELSS Tax Saver Fund - Growth is ₹500.00 and minimum lumpsum is ₹500.00

The exit load for Kotak ELSS Tax Saver Fund - Growth is Nil

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MoneyWorks4Me method for rating and ranking mutual funds for SIP

MoneyWorks4Me rating and ranking of funds for SIP is available to subscribers only. Moneyworks4Me is not a rating and ranking agency, however it is required that users have a way of selecting funds and building a Portfolio. The method used by it are described below to enable users to understand the logic behind the rating and ranking Subscriber will find more details on this in the various content made available from time to time. In case you need more please write to besafe@moneyworks4Me.com

MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:

Performance Consistency: This is measure based on whether the fund has beaten the benchmark index consistently. For this we compare the 3-year rolling returns of the fund with the benchmark for a minimum of 5 years and preferable 10 years. The period of rolling is one month and holding period is 3 years. Fund are color-coded Green on Performance when the fund beats the benchmark more than 90% of the time. It is Orange if it beats 80% to 90% of the time and Red if less than 80%. Funds with less than 5 year data are color-coded Grey.
Quality of Portfolio Holding: Moneyworks4Me has color-coded stocks as Green, Orange and Red based on whether the company's performance has generated a ROCE above a threshold level (cost of capital) over 10 years (minimum 6 years) and generated positive Free Cash Flow. For Banks it checks whether ROE is greater than 15% and sales has grown over previous year. Stocks that perform consistently on these combined metrics are color-coded Green (min score 14 out of 20), Orange (between 8 and 14) and Red (less than 8 out of 20).

Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.

With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.

Here is the summary:

The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.

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*Color code for outperformance consistency

*Number is average 3 year rolling returns

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