Kotak Focused Fund

Fund at a Glance
NAV Growth (Rs.)	27.42
NAV Bonus (Rs.)	—
NAV IDCW (Rs.)	27.42
Min. Investment (Rs.)	100
Min. SIP Investment (Rs.)	100
Min. No of Cheques	1
Benchmark	NIFTY 500 TRI
AUM Rs.	4,014 Cr
	(As on 28-Feb-2026)
Expense	0.54%
1 Year Return (%)	15.84
3 Year Return (%)	18.08
5 Year Return (%)	14.34
10 Year Return (%)	—
Return Since Launch	16.41%

⚖️ Sahifund Review – Kotak Focused Fund ✔

PLUS: Stability, track record, cost efficiency
Kotak Focused Fund has emerged as a strong performer in the focused fund space, delivering 15.84% 1-year return, 18.08% 3-year CAGR and 14.34% over 5 years, comfortably ahead of benchmark and category averages. The fund benefits from a disciplined focused strategy with only 30 stocks, allowing high-conviction allocation without becoming excessively narrow. Its expense ratio of just 0.54% is a major positive and makes it one of the more cost-efficient active focused funds available. The fund also maintains a very low turnover ratio of 16.24%, which reflects portfolio stability and conviction. Backed by Kotak Mahindra Mutual Fund, it enjoys strong fund house credibility and research depth. For investors seeking a concentrated yet relatively balanced core-plus portfolio option, this fund remains highly relevant and SIP-friendly with just Rs. 100 minimum.

MINUS: Large AUM, large-cap bias, momentum lag
The biggest limitation is the fund’s strong large-cap bias (nearly 78%), which can reduce upside during phases when mid and small caps outperform sharply. While recent returns are strong, it still lags category leaders like HDFC Focused and Parag Parikh on longer-term alpha generation. The focused structure means stock-selection risk is inherently higher, and a few wrong calls can meaningfully impact returns. Sector concentration is also noticeable, with top 3 sectors accounting for nearly 67%, which can create thematic exposure risk. Although low churn is a positive, it can sometimes also mean slower response to changing market leadership. Investors should remember that focused funds can be more volatile than diversified flexi-cap funds, especially in sharp market corrections.

Sahifund View (Decisive Line):
A high-quality low-cost focused fund with strong recent performance, best suited for SIP investors who want concentrated quality exposure without going overly aggressive.

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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?
Flexi-cap funds are suitable for investors:
1. Seeking exposure in a diversified set of stocks for high returns
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

Fund’s Investment Strategy:
The scheme seeks to generate long term capital appreciation/income by investing in equity & equity related instruments across market capitalization of up to 30 companies.

Fund Manager:

1) Shibani Sircar Kurian
Education: Ms. Kurian has done PGDM (Specialization in Finance), BSc (Hons)-Economics
Experience: Prior to joining Kotak AMC, she was working with Dawnay Day AV India Advisors Pvt Ltd and UTI AMC.

Investment Details

Min. Investment (Rs)	100
Min. Addl Investment (Rs)	100
Min. SIP Investment (Rs)	100
Min. Withdrawal (Rs)	1,000
Min. No of Cheques	1
Min. Balance (Rs)	1,000
Lock-in Period	NA
Exit Load	For units in excess of 10% of the investment, 1% will be charged for redemption within 365 days

Basic Details of Kotak Focused Fund

Fund House	Kotak Mahindra Mutual Fund
Launch Date	16-Jul-19
Return Since Launch	16.41%
Benchmark	NIFTY 500 TRI
Riskometer	Very High
Type	Open-ended
Assets (Rs.)	4,014 Cr
	(As on 28-Feb-2026)
Expense	0.54%
	(As on 28-Feb-2026)
Risk Grade	Below Average
Return Grade	Above Averagee
Turnover	16.24%

Trailing Returns (%)

Fund name	YTD	1D	1M	3M	6M	1Y	3Y	5Y	7Y	10Y
Kotak Focused Dir	-7.81	0.49	-9.31	-5.87	-3.31	15.84	18.08	14.34	—	—
BSE 500 TRI	-9.98	0.47	-8.44	-8.85	-7.98	7.02	15.19	12.41	—	—
Equity: Flexi Cap	-9.22	0.42	-8.20	-8.44	-8.41	7.40	16.14	12.89	—	—
Rank within category	23	56	102	9	5	2	21	16	—	—
Number of funds in category	115	119	117	113	108	97	74	58	45	36

Peer Comparison of Kotak Focused Fund

	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 Focused Dir	4 star	15.84	18.08	14.34	0.54	4,014	16.41	1.00 (365)	6Y 8M	16.24
Parag Parikh Flexi Cap Dir	5 star	6.75	19.13	17.19	0.63	1,34,253	18.56	2.00 (365)	12Y 9M	13.94
HDFC Flexi Cap Dir	5 star	8.86	20.49	18.79	0.70	1,00,455	15.88	1.00 (365)	13Y 2M	9.47
SBI Focused Dir	4 star	14.89	18.98	14.35	0.73	43,311	15.15	0.25 (30)	13Y 2M	39.00
HDFC Focused Dir	5 star	8.25	20.49	20.70	0.63	27,136	14.78	1.00 (365)	13Y 2M	9.04

Portfolio Analysis of Kotak Focused Fund

No. of Stocks	30
Top 10 Stocks	48.78%
Top 5 Stocks	29.23%
Top 3 Sectors	66.95%
Portfolio P/B Ratio	4.21
Portfolio P/E Ratio	28.82

Portfolio Breakup

	Fund	Category
Average Mkt Cap (Rs Cr)	2,87,775	1,80,281
Giant (%)	—	—
Large (%)	77.82	62.49
Mid (%)	20.73	21.89
Small (%)	1.45	15.99
Tiny (%)	—	—

Disclaimer: Mutual fund investments are subject to market risks. Read all scheme related documents carefully

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