Kotak Banking and Financial Services Fund · Regular · Growth
NAV
₹15.2440
as of 29 Sept 2026
Expense Ratio
2.24%
AUM
₹1,454 Cr
Lumpsum returns (CAGR)
- 1Y
- +1.05%
- 3Y
- +9.39%
- 5Y
- —
- Since Inception
- +12.47%
SIP returns (XIRR)
- 1Y
- -5.40%
- 3Y
- +4.67%
- 5Y
- —
- Since Inception
- +6.70%
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 (Oct 2023 – Sept 2026)
A ₹5,000 monthly SIP for the last 3 years (Oct 2023 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹1,85,340 today — ₹1,75,000 invested, 3.9% XIRR.
₹1,75,000
Invested
₹1,85,340
Value today
3.9%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 3 years (Oct 2023 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 3 years ago would be ₹1,30,883 today (9.4% CAGR).
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 3 years (Oct 2023 – Sept 2026) (3 Jun 2024) would be ₹1,11,866 today (1.12×).
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, annualised0.08
Sharpe Ratio
+0.02
Alpha
0.34
Beta
0.08
Sortino
16.43%
Std Dev
-16.84%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks58.04%
- Finance24.07%
- Capital Markets12.14%
- Insurance2.63%
- Financial Technology (Fintech)0.58%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Icici Bank Ltd.12.93%
- 2Hdfc Bank Ltd.9.91%
- 3State Bank Of India.8.52%
- 4Axis Bank Ltd.7.24%
- 5Bajaj Finance Ltd.6.18%
- 6Shriram Finance Limited5.06%
- 7Kotak Mahindra Bank Ltd.3.44%
- 8Cholamandalam Investment And Finance Company Ltd.2.68%
- 9Indusind Bank Ltd.2.62%
- 10Poonawalla Fincorp Limited2.44%
What this fund does
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 ₹1,454 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 2.24%.