Kotak Banking & Financial Services Fund - Regular Plan - Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 100% of 3-year investment horizons.
- Cost-efficient: expense ratio of 2.24% is lower than category median (2.52%).
- Equities carry market risk; returns fluctuate and recommended investment horizon is 5+ years.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +8.97% | +6.32% | +2.65% |
| 3 Months | +1.67% | -0.20% | +1.87% |
| 6 Months | +7.05% | +5.98% | +1.07% |
| 1 Year | +4.87% | +3.90% | +0.97% |
| 3 Years CAGR | +13.29% | +13.23% | +0.06% |
| Since Inception | +14.76% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in Kotak Banking & Financial Services Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +3.32% | +4.03% | -0.71% |
| 2025 | +14.22% | +1.43% | +12.79% |
| 2024 | +12.33% | +20.41% | -8.08% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -7.84% | +13.22% | +11.85% | +30.28% | 95.0% | 66.3% |
| 3-Year Rolling | +9.22% | +12.38% | +12.56% | +16.58% | 100.0% | 56.2% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2026-02-18 | 2026-03-31 | -16.8% | 1 months | Not yet recovered |
| 2024-09-26 | 2025-01-27 | -13.7% | 4 months | 3 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Investments Indicative Allocation Equity and Equity Related Instruments of companies engaged in Banking and Financial Services Sector | 80%-100% Equity and Equity Related Instruments of companies other than those engaged in banking & financial services -0%-20% Debt and Money Market Instruments-0%-20% Units of Gold/Silver ETF-0%-20% Units of InvITs-0%-10% |
Investment Objective & Strategy
The investment objective of the scheme is to generate long-term capital appreciation from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services sector. However, there can be no assurance that the investment objective of the scheme would be achieved.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 1,577 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable relative to Sectoral / Thematic schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Sectoral / Thematic Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Baroda BNP Paribas Business Cycle Fund | 5.0 | +12.49% | 2.53% | 104.5% | Rs 570 cr | Compare → |
| Aditya Birla Sun Life ESG Integration Strategy Fund | 4.6 | +11.97% | 2.43% | 95.4% | Rs 582 cr | Compare → |
| Mirae Asset Banking and Financial Services Fund | 6.0 | +13.00% | 2.13% | 94.5% | Rs 2,407 cr | Compare → |
| Axis Business Cycles Fund | 5.3 | +12.57% | 2.36% | 103.4% | Rs 2,086 cr | Compare → |
| quant Manufacturing Fund | 4.4 | +14.12% | 2.73% | 123.2% | Rs 710 cr | Compare → |
Frequently Asked Questions about Kotak Banking & Financial Services Fund
What is the expense ratio of Kotak Banking & Financial Services Fund?
Kotak Banking & Financial Services Fund has a total expense ratio (TER) of 2.24% with a base expense ratio of 1.81%, compared to the Sectoral / Thematic category median of 2.52%.
Who manages Kotak Banking & Financial Services Fund?
Kotak Banking & Financial Services Fund is managed by Shibani Sircar Kurian (tenure: 3.7 years since 2023-02-27).
What are the historical returns of Kotak Banking & Financial Services Fund?
Kotak Banking & Financial Services Fund delivered a 3-year CAGR of 13.29%. Its 1-year return stands at +4.87%.
How large is Kotak Banking & Financial Services Fund?
Kotak Banking & Financial Services Fund manages assets of Rs 1,577 cr, placing it in the 'comfortable' size band relative to Sectoral / Thematic peers.
How is Kotak Banking & Financial Services Fund scored on MFIQ?
Kotak Banking & Financial Services Fund holds an MFIQ Score of 6.0/10 (Average), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is Kotak Banking & Financial Services Fund?
Kotak Banking & Financial Services Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 16.99% with a maximum historical drawdown of -16.84%.