Sharpe ratio
0.59Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.96%1Y Absolute Return
-0.52%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Kotak ELSS Tax Saver Fund-Growth - DirectFund 5Y annualised return | ₹9,77,758 | ₹7,32,612 | ₹2,45,146 | +11.73% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.15
₹1 Lakh since launch₹1.15 Lakh
Fund age13.9 yrs
Fund information
Scheme code119773
ISININF174K01LI3
BenchmarkNIFTY 500 TRI
CategoryEquity Scheme - ELSS
Expense ratio0.84%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
14th / 192 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +188.16% | — | — |
| 3M | +12.02% | — | — |
| 6M | +23.36% | — | — |
| 1Y | +4.96% | — | -0.21% |
| 3Y | +13.27% | — | +9.69% |
| 5Y | +11.73% | — | +7.74% |
| 10Y | +15.15% | — | — |
| Since Launch | +15.17% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.81Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
15.00%How much the fund’s returns fluctuate over time.
High volatility
Returns can swing significantly.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.42How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Equity98.83%
Cash1.17%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 55 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| HDFC Bank Ltd | Financial | Equity | 7.73% |
| State Bank of India | Financial | Equity | 5.22% |
| ICICI Bank Ltd | Financial | Equity | 5.1% |
| Bharti Airtel Ltd | Technology | Equity | 3.63% |
| NTPC Ltd | Energy & Utilities | Equity | 2.99% |
| Tech Mahindra Ltd | Technology | Equity | 2.72% |
| Larsen & Toubro Ltd | Industrials | Equity | 2.67% |
| Zomato Ltd | Technology | Equity | 2.56% |
| Bajaj Finance Ltd | Financial | Equity | 2.55% |
| Sun Pharmaceutical Industries Ltd | Healthcare | Equity | 2.4% |
Fund management
HA
Harsha Upadhyaya
Since 2015 · Prior to joining Kotak Mutual fund he has worked with DSP Mutual Fund and UTI AMC.
Mr. Upadhyaya is a B.E (Mechanical) from NIT Suratkal, PGDM from IIM Lucknow and CFA from the CFA Institute, USA.
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk equity scheme - elss fund. Ahead of its category average over 3Y by 3.6 points. Has fallen sharply before — down -36.4% at its worst.
Strengths
- Ahead of its category average over 3Y by 3.6 points.
- Same fund manager for 11+ years — the strategy has not chopped and changed.
- Ranks 14 of 192 in its category over 1 year.
Weaknesses
- Has fallen sharply before — down -36.4% at its worst.
Ideal investor
- Needs a 5+ years (3-year lock-in) horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 15.0% volatility.
Risk drivers
- Corrections have been sharp — worst fall -36.4% with 15.0% volatility. Took 8 months to recover last time.