Should I invest in Kotak Equity Savings Fund - Direct?

We don't give personal investment advice. Kotak Equity Savings Fund - Direct - Growth is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 6.0%. 5-year CAGR: 10.46%.

Kotak

Kotak Equity Savings Fund - Direct - Growth

Latest NAV

₹29.7945

As of

3 Jun 2026

2,858 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.11%	+9.02%	-8.91	4 / 28	Q1
1W	-0.53%	+8.52%	-9.05	17 / 28	Q3
2W	-0.42%	+8.91%	-9.33	26 / 28	Q4
1M	-0.66%	+8.72%	-9.39	23 / 28	Q4
3M	+0.33%	+9.08%	-8.74	10 / 28	Q2
6M	-0.76%	+8.96%	-9.72	20 / 28	Q3
YTD	-1.15%	+8.58%	-9.73	20 / 28	Q3
1Y	+5.61%	+13.09%	-7.48	7 / 27	Q2
2Y	+6.24%	+9.64%	-3.40	12 / 25	Q2
3Y	+10.98%	+11.18%	-0.20	5 / 25	Q1
4Y	+11.01%	+10.46%	+0.55	4 / 23	Q1
5Y	+10.46%	+9.26%	+1.20	3 / 22	Q1
7Y	+10.44%	+8.67%	+1.78	4 / 20	Q1
10Y	+10.11%	+8.43%	+1.68	2 / 12	Q1
Inception	+9.83%	+9.17%	+0.65	9 / 28	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-1.15%	-0.46%	-0.69	18 / 26
2025	+8.99%	+16.65%	-7.66	6 / 25
2024	+12.66%	+10.84%	+1.82	6 / 25
2023	+16.95%	+12.95%	+4.00	4 / 24
2022	+7.90%	+3.90%	+3.99	1 / 23
2021	+12.18%	+11.99%	+0.19	13 / 22
2020	+11.41%	+8.57%	+2.84	9 / 22
2019	+8.61%	+7.11%	+1.50	9 / 18
2018	+4.97%	+2.46%	+2.51	3 / 14
2017	+14.68%	+14.67%	+0.01	9 / 13
2016	+7.21%	+8.25%	-1.04	7 / 10

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+10.13%

130 windows

min -7.7% · max 29.2%

98% positive

3-Year rolling

+10.35%

106 windows

min 2.9% · max 14.7%

100% positive

5-Year rolling

+10.25%

81 windows

min 4.8% · max 13.8%

100% positive

7-Year rolling

+10.21%

57 windows

min 8.7% · max 11.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

5.91%

3-year · annualised

Sharpe ratio

0.70

vs risk-free 6.5%

Sortino ratio

1.21

Downside-only deviation

Max drawdown

-5.97%

Dec 2024 → Feb 2025

% positive months

75.0%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Equity Savings Fund

Scheme	Fund house	NAV	As of
HDFC Equity Savings Fund - Growth Option - Direct Plan	HDFC	₹74.6780	3 Jun 2026
Nippon India Equity Savings Fund - Segregated Portfolio 2 - Direct Plan - Growth Plan - Bonus Option	Nippon India	₹0.0000	3 Jun 2026
SBI Equity Savings Fund - Direct Plan - Growth	SBI	₹26.9209	3 Jun 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Cumulative option	ICICI Prudential	₹24.6300	3 Jun 2026
Invesco India Equity Savings Fund - Direct Plan - Growth	Invesco	₹18.3233	3 Jun 2026
BANDHAN Equity Savings Fund-Direct Plan-Growth	Bandhan	₹35.5890	3 Jun 2026
quant Equity Savings Fund - Growth Option - Direct Plan	Quant	₹10.4797	3 Jun 2026
Aditya Birla Sun Life Equity Savings Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹25.3700	3 Jun 2026
Franklin India Equity Savings Fund- Growth Direct	Franklin India	₹18.3345	3 Jun 2026
Mirae Asset Equity Savings Fund- Direct Plan- Growth	Mirae Asset	₹22.3420	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹29.7945
2 Jun 2026	₹29.7931
1 Jun 2026	₹29.7613
29 May 2026	₹29.8693
27 May 2026	₹30.0040
26 May 2026	₹29.9528
25 May 2026	₹29.9584
22 May 2026	₹29.8237
21 May 2026	₹29.8499
20 May 2026	₹29.8736

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of Kotak Equity Savings Fund - Direct - Growth is ₹29.7945. It's a Equity Savings Fund from Kotak, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak Equity Savings Fund - Direct - Growth has NAV history starting from 17 Oct 2014, a track record of about 11 years 7 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Kotak Equity Savings Fund - Direct - Growth is managed by Kotak. It's classified by AMFI under the 'Equity Savings Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Equity Savings Fund - Direct - Growth has delivered a absolute return of 5.61% — -7.48 pp behind the Equity Savings Fund category average of 13.09%. The fund ranks #7 of 27 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Kotak Equity Savings Fund - Direct - Growth has delivered a CAGR of 10.98% — -0.2 pp behind the Equity Savings Fund category average of 11.18%. The fund ranks #5 of 25 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Kotak Equity Savings Fund - Direct - Growth has delivered a CAGR of 10.46% — +1.2 pp ahead of the Equity Savings Fund category average of 9.26%. The fund ranks #3 of 22 in its category — the top (Q1) quartile.

₹1 lakh invested in Kotak Equity Savings Fund - Direct - Growth exactly 10 years ago would be worth approximately ₹262,001 today — a multiplier of 2.62×, based on the 10-year CAGR of 10.11%. The category average over the same window would have grown ₹1 lakh to ₹224,642.

A ₹10,000 monthly SIP in Kotak Equity Savings Fund - Direct - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹766,046 today. That's an XIRR (money-weighted annualised return) of 9.70%.

A ₹10,000 monthly SIP for 10 years in Kotak Equity Savings Fund - Direct - Growth = ₹1,200,000 invested. It would currently be worth ₹2,041,541 (multiplier 1.70×). XIRR: 10.25%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Equity Savings Fund - Direct - Growth ranks #3 out of 22 funds in the Equity Savings Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 9.26%; this fund delivered 10.46%.

The worst peak-to-trough decline Kotak Equity Savings Fund - Direct - Growth has experienced over the last 5-year window is 5.97% — its NAV fell from a high on 06 Dec 2024 to a low on 28 Feb 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Kotak Equity Savings Fund - Direct - Growth averaged 10.25% (best 13.78%, worst 4.75%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.69 — reasonable risk-adjusted performance.

In calendar year 2025, Kotak Equity Savings Fund - Direct - Growth returned 8.99% — lagging the Equity Savings Fund category average of 16.65% by 7.66 pp. It ranked #6 of 25 in its category that year.

Kotak Equity Savings Fund - Direct - Growth is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. Kotak Equity Savings Fund - Direct - Growth is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 6.0%. 5-year CAGR: 10.46%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

Kotak Equity Savings Fund - Direct - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Equity Savings Fund

Recent NAVs

Frequently asked questions

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