January 21, 2026
RA Jainee
Kotak ELSS Tax Saver
| Fund at a Glance | |
| NAV Growth (Rs.) | 137.13 |
| NAV Bonus (Rs.) | — |
| NAV IDCW (Rs.) | 57.44 |
| Min. Investment (Rs.) | 500 |
| Min. SIP Investment (Rs.) | 500 |
| Min. No of Cheques | 10 |
| Benchmark | NIFTY 500 TRI |
| AUM Rs. | 6,452 Cr |
| (As on 31-Dec-2025) | |
| Expense | 0.62% |
| 1 Year Return (%) | 6.63 |
| 3 Year Return (%) | 16.59 |
| 5 Year Return (%) | 17.33 |
| 10 Year Return (%) | 16.76 |
| Return Since Launch | 15.71% |
⚖️ Sahifund Review – Kotak ELSS Tax Saver ✔
PLUS: Stability, track record, cost efficiency
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MINUS: Large AUM, large-cap bias, momentum lag
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Sahifund View (Decisive Line):
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| NFO Guidance |
What lies ahead? Below we decode returns consistency, portfolio concentration, peer positioning and risk profile in detail.
Suitable For Which Investors?
ELSS funds are suitable for investors:
1. Seeking tax savings u/s 80C through a diversified equity portfolio
2. Aiming for long-term wealth creation
3. With a 5+ year investment horizon
4. Who are at ease with the market’s ups and downs
Note:
• Invest only through SIP
• The fund has a lock-in-period of 3 years
Fund’s Investment Strategy:
The scheme aims to generate long-term capital appreciation from a diversified portfolio of equity and equity related securities and enable investors to avail the income tax rebate, as per the prevailing tax laws.
Fund Manager:
1) Harsha Upadhyaya
Education: Mr. Upadhyaya is a B.E (Mechanical) from NIT Suratkal, PGDM from IIM Lucknow and CFA from the CFA Institute, USA.
Experience: Prior to joining Kotak Mutual fund he has worked with DSP Mutual Fund and UTI AMC.
Investment Details
| Min. Investment (Rs) | 500 |
| Min. Addl Investment (Rs) | 500 |
| Min. SIP Investment (Rs) | 500 |
| Min. Withdrawal (Rs) | 1,000 |
| Min. No of Cheques | 10 |
| Min. Balance (Rs) | 1,000 |
| Lock-in Period | 3 Years |
| Exit Load | 0 |
Basic Details of Kotak ELSS Tax Saver
| Fund House | Kotak Mahindra Mutual Fund |
| Launch Date | 01-Jan-13 |
| Return Since Launch | 15.71% |
| Benchmark | NIFTY 500 TRI |
| Riskometer | Very High |
| Type | Open-ended |
| Assets (RS) | 6,452 Cr |
| (As on 31-Dec-2025) | |
| Expense | 0.62% |
| (As on 31-Dec-2025) | |
| Risk Grade | Average |
| Return Grade | Average |
| Turnover | 22.33% |
Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| Kotak ELSS Tax Saver Dir | -0.79 | 0.35 | -0.02 | -0.59 | -0.44 | 6.63 | 16.59 | 17.33 | 17.31 | 16.76 |
| BSE 500 TRI | -1.63 | 0.08 | -0.40 | -0.24 | 0.50 | 9.14 | 16.12 | 15.58 | 15.63 | 15.45 |
| Equity: ELSS | -1.50 | 0.15 | -0.63 | -1.00 | -0.45 | 6.87 | 17.62 | 16.54 | 16.43 | 15.79 |
| Rank within category | 5 | 7 | 7 | 18 | 24 | 25 | 22 | 13 | 10 | 8 |
| Number of funds in category | 40 | 40 | 40 | 40 | 40 | 39 | 36 | 33 | 30 | 28 |
Peer Comparison of Kotak ELSS Tax Saver
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs. Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| Kotak ELSS Tax Saver Dir | 3 star | 6.63 | 16.59 | 17.33 | 0.62 | 6,452 | 15.71 | — | 13Y | 22.33 |
| SBI ELSS Tax Saver Dir | 5 star | 7.81 | 23.97 | 20.93 | 0.92 | 32,609 | 16.25 | — | 13Y | 12.00 |
| DSP ELSS Tax Saver Dir | 4 star | 11.39 | 20.89 | 19.35 | 0.67 | 17,609 | 17.69 | — | 13Y | 35.00 |
| HDFC ELSS Tax Saver Dir | 5 star | 12.09 | 21.73 | 21.14 | 1.08 | 17,163 | 15.22 | — | 13Y | 12.19 |
| Bandhan ELSS Tax Saver Dir | 4 star | 9.87 | 16.51 | 18.79 | 0.66 | 7,333 | 17.29 | — | 13Y | 33.00 |
Portfolio Analysis of Kotak ELSS Tax Saver
| No. of Stocks | 56 |
| Top 10 Stocks (*) | –% |
| Top 5 Stocks (*) | –% |
| Top 3 Sectors (*) | –% |
| Portfolio P/B Ratio (*) | 3.53 |
| Portfolio P/E Ratio | 22.57 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 2,25,356 | 2,10,955 |
| Giant (%) | — | — |
| Large (%) | 72.99 | 64.28 |
| Mid (%) | 18.58 | 18.72 |
| Small (%) | 8.43 | 19.21 |
| Tiny (%) | — | — |
Disclaimer: Mutual fund investments are subject to market risks. Read all scheme related documents carefully
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