Kotak ELSS Tax Saver Fund · Regular · Growth
NAV
₹117.4510
as of 31 Jul 2026
Expense Ratio
1.76%
AUM
₹6,071 Cr
Lumpsum returns (CAGR)
- 1Y
- +1.77%
- 3Y
- +11.03%
- 5Y
- +12.02%
- Since Inception
- +12.65%
SIP returns (XIRR)
- 1Y
- +5.24%
- 3Y
- +6.52%
- 5Y
- +10.67%
- Since Inception
- +12.99%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹12,04,843 today — ₹5,95,000 invested, 13.7% XIRR.
₹5,95,000
Invested
₹12,04,843
Value today
13.7%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹3,59,320 today (13.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹23,88,359.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹12,04,843 in this fund vs ₹12,17,407 in the benchmark — underperformance of ₹12,564.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹3,76,301 today (3.76×).
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, annualised0.03
Sharpe Ratio
+0.01
Alpha
0.32
Beta
0.03
Sortino
14.34%
Std Dev
-13.95%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Ltd.7.58%
- 2State Bank Of India.5.51%
- 3Icici Bank Ltd.4.75%
- 4Bharti Airtel Ltd.3.75%
- 5Ntpc Ltd3.27%
- 6Tech Mahindra Ltd.2.89%
- 7Britannia Industries Ltd.2.67%
- 8Larsen And Toubro Ltd.2.63%
- 9Hero Motocorp Ltd.2.50%
- 10Eternal Limited2.42%
Investment Objective
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 ₹6,071 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 500 TRI. The current expense ratio is 1.76%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Salaried individuals and taxpayers seeking to save tax under Section 80C
- •SIP investors who can benefit from rupee cost averaging during market fluctuations