Kotak Banking and Financial Services Fund · Regular · Growth
NAV
₹16.4160
as of 31 Jul 2026
Expense Ratio
2.10%
AUM
₹1,448 Cr
Lumpsum returns (CAGR)
- 1Y
- +7.39%
- 3Y
- +12.29%
- 5Y
- —
- Since Inception
- +15.31%
SIP returns (XIRR)
- 1Y
- +9.17%
- 3Y
- +10.81%
- 5Y
- —
- Since Inception
- +11.82%
Returns calculated from 06 February 2023 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 3 years (Aug 2023 – Jul 2026)
A ₹5,000 monthly SIP for the last 3 years (Aug 2023 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹2,03,493 today — ₹1,75,000 invested, 10.5% XIRR.
₹1,75,000
Invested
₹2,03,493
Value today
10.5%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 3 years (Aug 2023 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 3 years ago would be ₹1,43,811 today (12.9% CAGR).
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹2,03,493 in this fund vs ₹1,93,253 in the benchmark — outperformance of ₹10,240.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 3 years (Aug 2023 – Jul 2026) (3 Jun 2024) would be ₹1,20,467 today (1.21×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised0.43
Sharpe Ratio
+0.11
Alpha
0.31
Beta
0.43
Sortino
16.70%
Std Dev
-16.84%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Icici Bank Ltd.12.34%
- 2Hdfc Bank Ltd.10.63%
- 3State Bank Of India.8.67%
- 4Axis Bank Ltd.8.21%
- 5Bajaj Finance Ltd.6.17%
- 6Shriram Finance Limited4.99%
- 7Kotak Mahindra Bank Ltd.3.38%
- 8Bse Ltd2.93%
- 9Poonawalla Fincorp Limited2.44%
- 10Cholamandalam Investment And Finance Company Ltd.2.35%
Investment Objective
Kotak Banking and Financial Services Fund · Regular · Growth invests in stocks from a specific sector or theme, offering concentrated exposure to a particular area of the economy. These funds carry sector-specific risks but can deliver significant returns when the underlying sector performs well.
About This Fund
Kotak Banking and Financial Services Fund · Regular · Growth is a Sectoral / Thematic mutual fund offered by Kotak Mahindra Mutual Fund. The fund has been operational for over 3 years. It manages assets worth ₹1,448 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty Financial Services Total Return Index. The current expense ratio is 2.10%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations