Kotak Mutual Fund: Investment Guide for 2025

Kotak Mahindra Mutual Fund has set its sights on meeting the needs of investors. To meet the needs of different classes of investors, it has always sought to put money in the most efficient instruments which the investment objective of the fund permits. The best Kotak Mutual Funds aim to achieve outperformance against the benchmark in their categories.

List of Top 5 Kotak Mutual Funds: Your Investment Guide for 2025

This section is all about top-performing Kotak fund schemes by Kotak Mahindra Bank mutual fund that might be your investment guide for 2025.

1. Kotak Emerging Equity Fund Direct-Growth

This investment allows you to invest in Kotak Emerging Equity Fund Direct Growth which is also an equity mutual fund scheme that was started on the 1st of January, 2013. The minimum investment is Rs.100 in SIP. The fund has total assets under management of Rs.53,079 crores as of 27 Jan 2025. Kotak Emerging has given YTD absolute returns of 24.44% over the last 1 year.

Return or Risk

• Volatility Protection

• Exit Load

• 20% higher returns for each unit

• Performing best in its category

• 1% exit load (If redeemed within 12 months)

Fund Details

• Fund House: Kotak Mahindra Mutual Fund

• Launch Date: 01 Jan 2013

• Expense Ratio: 0.38% as of Dec 31, 2024

• Benchmark: NIFTY Midcap 150 TRI

• Min. Investment: Lump- Rs.1000 and SIP- Rs.500

• Risk: Very High

• 1 Year Returns: 20.06%

• Short-Term Capital Gains (STCG): 20% if redeemed earlier than 12 months

• Long-Term Capital Gains (LTCG): After 12 months, 12.5% tax on gains of Rs.1.25 lac + in a financial year

Asset Allocation of Equity

• Equity: 97.7%

• Debt: 0.21%

• Other: 2.09%

Top 3 Stock Holdings

• Oracle Financial Services Software Ltd.: 3.69%

• Oberoi Realty Ltd.: 3.49%

• IPCA Laboratories Ltd.: 3.45%

2. Kotak Flexicap Fund Direct-Growth

Kotak Flexicap Fund Direct-Growth is an equity mutual fund. The ideal beginning investment SIP of Rs.100 or a one-time lumpsum amount of Rs.100 can be made towards the fund. The fund manages Rs.50,425.90 crores in total assets and as of 27 Jan 2025, the NAV is Rs.83.87. The fund has delivered an absolute return of 11.92% in the last 1 year.

Return or Risk

• Volatility Protection

• Exit Load

• 20% more returns for every unit

• Ranks lower in its category

• 1% if redeemed within 12 months

Fund Details

• Fund House: Kotak Mahindra Mutual Fund

• Launch Date: 01 Jan 2013

• Expense Ratio: 0.62% as of Dec 31, 2024

• Benchmark: NIFTY 500 TRI

• Min. Investment: Lump- Rs.1000 and SIP- Rs.500

• Risk: Very High

• 1 Year Returns: 10.71%

• Short Term Capital Gains (STCG): 20% if redeemed earlier than 12 months

• Long Term Capital Gains (LTCG): After 12 months, 12.5% tax on gains of Rs.1.25 lac + in a financial year

Asset Allocation of Equity

• Equity: 97.9%

• Debt: 0.13%

• Other: 1.97%

Top 3 Stock Holdings

• ICICI Bank Ltd.: 6.74%

• Bharat Electronics Ltd.: 5.64%

• HDFC Bank Ltd.: 5.63%

3. Kotak Money Market Fund-Direct Plan-Growth

The Kotak Money Market Fund-Direct is a debt mutual fund scheme with AUM of Rs.28,182 crores. The fund is currently invested in 27 schemes. As per the last information received on 27 Jan 2025, the NAV is 4,377.57 which means in the past 1 year the fund has managed absolute returns of 7.83%. The scheme allows a starting investment through SIP of a minimum of Rs.100 or a lumpsum investment of Rs.100.

Return or Risk

• Exit Load: Nil

• Return Outperformance: Given the highest return in money market funds in the last 3 years

Fund Details

• Fund House: Kotak Mahindra Mutual Fund

• Launch Date: 01 Jan 2013

• Expense Ratio: 0.23% as of Dec 31, 2024

• Benchmark: CRISIL Money Market A-I Index

• Min. Investment: Lump- Rs.5000

• Risk: Low to Moderate

• 1 Year Returns: 7.74%

• Short Term Capital Gains (STCG): As per the tax slab

• Long Term Capital Gains (LTCG): As per the tax slab

Asset Allocation of Equity

• Equity: 0%

• Debt: 105.95%

• Other: -5.95%

Top 3 Stock Holdings

• HDFC Bank Ltd.: 9.97%

• Reserve Bank of India: 9.35%

• Small Industries Devp. Bank of India Ltd.: 7.61%

4. Kotak Equity Opportunities Fund Direct-Growth

The Kotak Equity Opportunities Fund Direct-Growth is categorized as an equity mutual fund scheme. It has provided a return of 14.94% in the previous year. As of 27 Jan 2025, the fund has an AUM of Rs.25,783.50 Cr and a latest NAV of Rs.347.67.

Return or Risk

• Exit Load: 1% if redeemed within 12 months

• Return Outperformance: Given the highest return in large-cap and mid-cap funds in the last 10 years

Fund Details

• Fund House: Kotak Mahindra Mutual Fund

• Launch Date: 01 Jan 2013

• Expense Ratio: 0.52% as of Dec 31, 2024

• Benchmark: Nifty Large Midcap 250 TRI

• Min. Investment: Lump- Rs.5000 and SIP- Rs.500

• Risk: Very High

• 1 Year Returns: 13.39%

• Short Term Capital Gains (STCG): 20% if redeemed earlier than 12 months

• Long Term Capital Gains (LTCG): After 12 months, 12.5% tax on gains of Rs.1.25 lac + in a financial year

Asset Allocation of Equity

• Equity: 96.84%

• Debt: 0.34%

• Other: 2.82%

Top 3 Stock Holdings

• HDFC Bank Ltd.: 5.84%

• Infosys Ltd.: 4.23%

• Zomato Ltd.: 3.75%

5. Kotak Balanced Advantage Fund Direct-Growth

The fund has a total AUM of Rs.16,937.30 crores, and its current NAV is Rs.20.69 dated 27 Jan 2025. Kotak Balanced Advantage Fund Direct-Growth is a hybrid mutual fund plan that was launched on 03 Aug 2018. The absolute returns obtained for the fund in the past 1 year is 12.07%.

Fund Details:

• Return or Risk: 20% more returns for every unit

• Exit Load: 1% if units redeemed within 1 year

• Return Outperformance: Given the highest return in dynamic asset allocation funds in the last 3 years

Fund Details

• Fund House: Kotak Mahindra Mutual Fund

• Launch Date: 13 Jul 2018

• Expense Ratio: 0.56% as of Dec 31, 2024

• Benchmark: Nifty 50 Hybrid Composite Debt 50:50 Index

• Min. Investment: Lump- Rs.1000 and SIP- Rs.500

• Risk: Very High

• 1 Year Returns: 11.32%

Asset Allocation of Equity

• Equity: 56.27%

• Debt: 26.55%

• Other: 17.08%

Top 3 Stock Holdings

• HDFC Bank Ltd.: 4.41%

• Infosys Ltd.: 3.95%

• ICICI Bank Ltd.: 3.69%

To get the common application form, click on the Kotak Mutual Fund Common Application Form.

Conclusion

Kotak Mahindra Mutual Fund caters to the varied schemes sought by investors, including equity, debt, and hybrid funds. Their performance over the years, coupled with goals set with their investors, enables their top funds to achieve competitive returns. Such funds are perfect for investors who are looking forward to wealth creation or are looking to strengthen their finances. Select the most appropriate scheme in tune with your investment objective and risk tolerance.