Kotak ELSS Tax Saver Fund · Regular · Growth
NAV
₹113.2760
as of 30 Sept 2026
Expense Ratio
1.93%
AUM
₹6,071 Cr
Lumpsum returns (CAGR)
- 1Y
- -0.47%
- 3Y
- +9.04%
- 5Y
- +10.04%
- Since Inception
- +12.35%
SIP returns (XIRR)
- 1Y
- -1.73%
- 3Y
- +2.88%
- 5Y
- +8.46%
- Since Inception
- +12.55%
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹11,51,684 today — ₹6,00,000 invested, 12.6% XIRR.
₹6,00,000
Invested
₹11,51,684
Value today
12.6%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹3,29,638 today (12.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹21,44,699.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹11,51,684 in this fund vs ₹11,24,556 in the benchmark — outperformance of ₹10,941.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹3,61,861 today (3.62×).
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, annualised0.14
Sharpe Ratio
+0.00
Alpha
0.30
Beta
0.14
Sortino
13.56%
Std Dev
-13.95%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks23.50%
- Pharmaceuticals and Biotechnology7.68%
- Finance6.82%
- Automobiles6.06%
- Construction5.76%
- Retailing5.74%
- Petroleum Products4.91%
- Chemicals and Petrochemicals4.69%
- IT - Software4.58%
- Telecom - Services4.26%
- Power3.74%
- Auto Components2.74%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Ltd.6.66%
- 2Icici Bank Ltd.5.24%
- 3State Bank Of India.5.23%
- 4Bharti Airtel Ltd.3.41%
- 5Eternal Limited3.08%
- 6Tech Mahindra Ltd.3.06%
- 7Bosch Limited2.74%
- 8Ntpc Ltd2.67%
- 9Bajaj Finance Ltd.2.61%
- 10Divis Laboratories Ltd.2.60%
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 ₹6,071 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty 500 TRI. The current expense ratio is 1.93%.
Who Should Invest?
- •Salaried individuals and taxpayers seeking to save tax under Section 80C