Should I invest in Kotak Equity Savings Fund - Regular?

We don't give personal investment advice. Kotak Equity Savings Fund - Regular - 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: 6.2%. 5-year CAGR: 9.29%.

Kotak

Kotak Equity Savings Fund - Regular - Growth

Latest NAV

₹26.8722

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	+0.10%	+0.01%	+0.09	2 / 17	Q1
1W	-0.55%	-0.57%	+0.02	8 / 17	Q2
2W	-0.46%	-0.10%	-0.36	15 / 17	Q4
1M	-0.75%	-0.33%	-0.42	14 / 17	Q4
3M	+0.07%	+0.25%	-0.18	7 / 17	Q2
6M	-1.28%	-0.36%	-0.92	12 / 17	Q3
YTD	-1.58%	-0.55%	-1.03	13 / 17	Q4
1Y	+4.48%	+3.35%	+1.12	5 / 16	Q2
2Y	+5.08%	+5.32%	-0.24	9 / 14	Q3
3Y	+9.77%	+8.99%	+0.78	4 / 14	Q2
4Y	+9.82%	+8.75%	+1.07	2 / 12	Q1
5Y	+9.29%	+7.68%	+1.61	1 / 12	Q1
7Y	+9.32%	+8.38%	+0.95	2 / 12	Q1
10Y	+9.10%	+8.27%	+0.82	1 / 5	Q1
Inception	+8.86%	+7.88%	+0.98	5 / 17	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	-1.58%	-0.55%	-1.03	13 / 17
2025	+7.81%	+5.91%	+1.90	4 / 14
2024	+11.41%	+11.76%	-0.35	6 / 14
2023	+15.73%	+14.19%	+1.54	3 / 13
2022	+6.81%	+2.56%	+4.24	1 / 12
2021	+11.09%	+12.08%	-0.98	9 / 12
2020	+10.36%	+11.06%	-0.70	9 / 12
2019	+7.73%	+7.86%	-0.13	6 / 10
2018	+4.31%	+1.07%	+3.24	2 / 7
2017	+13.86%	+14.84%	-0.98	6 / 6
2016	+6.43%	+5.57%	+0.86	2 / 4

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

+9.15%

130 windows

min -8.5% · max 28.0%

98% positive

3-Year rolling

+9.36%

106 windows

min 2.2% · max 13.6%

100% positive

5-Year rolling

+9.27%

81 windows

min 4.0% · max 12.6%

100% positive

7-Year rolling

+9.23%

57 windows

min 7.8% · max 10.4%

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

0.51

vs risk-free 6.5%

Sortino ratio

0.85

Downside-only deviation

Max drawdown

-6.21%

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
SBI Equity Savings Fund - Regular Plan - Growth	SBI	₹24.2934	3 Jun 2026
Invesco India Equity Savings Fund - Regular Plan - Growth	Invesco	₹16.2486	3 Jun 2026
quant Equity Savings Fund - Growth Option - Regular Plan	Quant	₹10.3257	3 Jun 2026
Aditya Birla Sun Life Equity Savings Fund - Regular Plan - Growth	Aditya Birla Sun Life	₹22.7900	3 Jun 2026
Mirae Asset Equity Savings Fund- Regular Plan- Growth	Mirae Asset	₹20.6870	3 Jun 2026
Edelweiss Equity Savings Fund - Regular Plan - Growth Option	Edelweiss	₹26.3259	3 Jun 2026
DSP Equity Savings Fund - Regular Plan - Growth	DSP	₹21.9000	3 Jun 2026
HSBC Equity Savings Fund - Regular Growth	HSBC	₹35.9580	3 Jun 2026
Baroda BNP Paribas Equity Savings Fund - Regular Plan - Growth	Baroda BNP Paribas	₹16.8998	3 Jun 2026
UTI Equity Savings Fund - Regular Plan - Growth Option	UTI	₹18.5504	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹26.8722
2 Jun 2026	₹26.8717
1 Jun 2026	₹26.8438
29 May 2026	₹26.9435
27 May 2026	₹27.0665
26 May 2026	₹27.0212
25 May 2026	₹27.0270
22 May 2026	₹26.9078
21 May 2026	₹26.9322
20 May 2026	₹26.9544

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 - Regular - Growth is ₹26.8722. It's a Equity Savings Fund from Kotak, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak Equity Savings Fund - Regular - 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 - Regular - 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 - Regular - Growth has delivered a absolute return of 4.48% — +1.12 pp ahead of the Equity Savings Fund category average of 3.35%. The fund ranks #5 of 16 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Kotak Equity Savings Fund - Regular - Growth has delivered a CAGR of 9.77% — +0.78 pp ahead of the Equity Savings Fund category average of 8.99%. The fund ranks #4 of 14 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Kotak Equity Savings Fund - Regular - Growth has delivered a CAGR of 9.29% — +1.61 pp ahead of the Equity Savings Fund category average of 7.68%. The fund ranks #1 of 12 in its category — the top (Q1) quartile.

₹1 lakh invested in Kotak Equity Savings Fund - Regular - Growth exactly 10 years ago would be worth approximately ₹238,827 today — a multiplier of 2.39×, based on the 10-year CAGR of 9.10%. The category average over the same window would have grown ₹1 lakh to ₹221,441.

A ₹10,000 monthly SIP in Kotak Equity Savings Fund - Regular - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹743,519 today. That's an XIRR (money-weighted annualised return) of 8.51%.

A ₹10,000 monthly SIP for 10 years in Kotak Equity Savings Fund - Regular - Growth = ₹1,200,000 invested. It would currently be worth ₹1,926,151 (multiplier 1.61×). XIRR: 9.15%. 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 - Regular - Growth ranks #1 out of 12 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 7.68%; this fund delivered 9.29%.

The worst peak-to-trough decline Kotak Equity Savings Fund - Regular - Growth has experienced over the last 5-year window is 6.21% — 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 - Regular - Growth averaged 9.27% (best 12.61%, worst 4.00%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.49 — weak risk-adjusted performance.

In calendar year 2025, Kotak Equity Savings Fund - Regular - Growth returned 7.81% — beating the Equity Savings Fund category average of 5.91% by 1.90 pp. It ranked #4 of 14 in its category that year.

Kotak Equity Savings Fund - Regular - 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 - Regular - 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: 6.2%. 5-year CAGR: 9.29%.

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

Kotak Equity Savings Fund - Regular - 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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