Kotak ELSS Tax Saver Fund · Regular · Growth
NAV
₹121.6740
as of 13 Nov 2026
Expense Ratio
1.96%
AUM
₹6,303 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.77%
- 3Y
- +11.95%
- 5Y
- +10.36%
- Since Inception
- +12.65%
SIP returns (XIRR)
- 1Y
- +12.44%
- 3Y
- +6.70%
- 5Y
- +10.81%
- Since Inception
- +13.00%
What history actually did — last 10 years (Nov 2016 – Nov 2026)
A ₹5,000 monthly SIP for the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹12,16,153 today — ₹6,00,000 invested, 13.7% XIRR.
₹6,00,000
Invested
₹12,16,153
Value today
13.7%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹3,74,797 today (14.1% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Nov 2016 would still hold ₹25,31,814.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹12,16,153 in this fund vs ₹11,99,859 in the benchmark — outperformance of ₹16,294.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Nov 2016 – Nov 2026) (22 Mar 2020) would be ₹3,89,831 today (3.90×).
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, annualised-0.08
Sharpe Ratio
+0.01
Alpha
0.97
Beta
-0.07
Sortino
13.33%
Std Dev
-13.95%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Sept 2026- Banks22.96%
- Pharmaceuticals and Biotechnology7.51%
- Retailing6.45%
- Finance6.36%
- Construction6.10%
- Automobiles5.98%
- Chemicals and Petrochemicals4.84%
- Telecom - Services4.33%
- Petroleum Products3.76%
- Consumer Durables3.14%
- IT - Software3.01%
- Power2.76%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Ltd.7.00%
- 2Icici Bank Ltd.5.01%
- 3State Bank Of India.4.98%
- 4Bharti Airtel Ltd.3.47%
- 5Eternal Limited3.16%
- 6Tech Mahindra Ltd.3.01%
- 7Ntpc Ltd2.76%
- 8Divis Laboratories Ltd.2.68%
- 9Hero Motocorp Ltd.2.59%
- 10Dixon Technologies India Ltd2.59%
What this fund does
Kotak ELSS Tax Saver Fund · Regular · Growth is a tax-saving equity fund (ELSS) that offers tax deduction under Section 80C of the Income Tax Act, with a mandatory 3-year lock-in period. The fund aims to generate long-term capital appreciation while providing tax benefits of up to ₹46,800 per year.
About This Fund
Kotak ELSS Tax Saver Fund · Regular · Growth is a ELSS Tax Saver mutual fund offered by Kotak Mahindra Mutual Fund. The fund has been operational for over 20 years. It manages assets worth ₹6,303 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty 500 TRI. The current expense ratio is 1.96%.
Who Should Invest?
- •Salaried individuals and taxpayers seeking to save tax under Section 80C