Kotak Banking & Financial Services Fund
NAV
₹17.27
as of 21 Aug 2026
Kotak Banking & Financial Services Fund is an open-ended Sectoral/ Thematic scheme from Kotak Mahindra Mutual Fund managing ₹1,556 crore (as of 31 Jul 2026). Its Direct-plan NAV is ₹17.27 as of 21 Aug 2026. The expense ratio is 0.72% a year. Managed by Abhishek Bisen. This page is factual data only — it carries no rating and no recommendation.
Key facts
- Expense ratio
- 0.72% / yr
- as of 30 Jun 2026
- Fund size
- ₹1,556 crore
- as of 31 Jul 2026
- Exit load
- 0.5%
- SIP available
- Yes
- Launched
- 27 Feb 2023
- ISIN
- INF174KA1MD1
₹100 invested, fund vs category
The category line is the average of the funds in this category, built from NYVO’s own NAV data.
Rebased to 100data to 20 Aug 2026Benchmark: Nifty Financial Services Index TRI
Kotak Banking & Financial Services Fund
₹172
+72% on ₹100 over 3.5 yrs
Sectoral/ Thematic average
₹168
+68% on ₹100 over 3.5 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 3 months | 6.65% | 6.78% | -0.13 |
| 6 months | -1.84% | 3.68% | -5.52 |
| 1 year | 8.26% | 6.07% | +2.19 |
| 3 years (CAGR) | 14.87% | 16.01% | -1.14 |
Category average across 119 funds, as of 21 Aug 2026. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.
A single return number depends on its start date. These are ALL the overlapping holding periods, so the worst case is visible — read that number first.
1-year holding periods
- Worst
- 0.9%
- Median
- 13.7%
- Best
- 30.1%
31 windows over the last 42 months, stepped monthly; 100% ended positive. Worst window began 2 Jun 2025. Windows overlap — this is the range of past start dates, not a probability of anything.
3-year holding periods (per year)
- Worst
- 13.1%
- Median
- 14.5%
- Best
- 19.4%
7 windows over the last 42 months, stepped monthly; 100% ended positive. Worst window began 1 Jun 2023. Windows overlap — this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 0.50
- Sortino ratio (3Y)
- 0.75 vs category 0.54
- Standard deviation (3Y)
- 16.25%
- Beta (3Y)
- 1.01
- Alpha (3Y)
- 3.20%
Distance below its own peak
Every dip below 0 is the fund trading under a previous high — how deep and for how long is what a drawdown feels like.
Deepest fall
-15.1%
Right now
-2.1% below peak
Ahead of its benchmark in 67% of months (window: 3y, monthly) — benchmark: Nifty Financial Services Index TRI, name shown only.
Where the money actually is
Equity
97.1%
Cash
2.9%
Whole-portfolio split, as of 31 Jul 2026.
What it owns
36 positions · top 10 = 61.1%
Market-cap mix
Large 66.2%Mid 13.0%Small 15.9%Other 4.9%
as of 31 Jul 2026
Holdings by sector
Financial Services(9 in top 10)95.8%
- ICICI Bank Ltd12.81%
- HDFC Bank Ltd10.48%
- State Bank of India8.29%
- Axis Bank Ltd6.87%
- Bajaj Finance Ltd6.69%
- Shriram Finance Ltd4.79%
- Kotak Mahindra Bank Ltd3.21%
- Cholamandalam Investment and Finance Co Ltd2.67%
- BSE Ltd2.64%
- Technology1.3%
Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 31 Jul 2026. Portfolio turnover 26.9% vs category 37.3% a year.
Other top holdings
- Triparty Repo2.85%
The businesses it owns
- P/E (trailing)
- 17.3 vs category 25.8
- P/B
- 2.3 vs category 3.8
- Dividend yield
- 1.1% vs category 1.1%
- Net margin
- 31.8% vs category 15.4%
- Earnings growth
- 13.3%
- Avg market cap
- ₹2.22 lakh crore
Money in, money out
- Net flow, 12 months
- +₹211 cr
- Net flow, 3 months
- +₹21 cr
as of 31 Jul 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of Kotak Banking & Financial Services Fund?
- ₹17.27 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of Kotak Banking & Financial Services Fund?
- 0.72% a year for the Direct plan, as of 30 Jun 2026.
- How large is Kotak Banking & Financial Services Fund?
- ₹1,556 crore under management as of 31 Jul 2026, in the Sectoral/ Thematic category.
- How risky is Kotak Banking & Financial Services Fund?
- Its SEBI Riskometer reading is "Very High Risk". One sector, one story. The most-launched shelf on the map, by far.
- What is the worst 3-year return of Kotak Banking & Financial Services Fund?
- 13.1% a year — the weakest of 7 overlapping 3-year holding periods, beginning 1 Jun 2023. The median was 14.5% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
- Who manages Kotak Banking & Financial Services Fund?
- Abhishek Bisen, managing this fund for 3.4 years.
Where this fund sits
Its shelf, all funds
St · Sectoral / thematic →
One sector, one story. The most-launched shelf on the map, by far.
The money map
How big this shelf is in India →
The whole industry sized by real money, from AMFI’s monthly data.
Side by side
Compare this fund →
Put it next to any other fund — growth, returns, risk and cost in one table.
One bet or two?
Check its overlap →
See whether it owns the same stocks as your other funds.
Other Sectoral/ Thematic funds
- ICICI Prudential India Opportunities Fund₹38,299 crore
- ICICI Prudential Business Cycle Fund₹16,123 crore
- Kotak Pioneer Fund₹4,023 crore
- Kotak Business Cycle Fund₹3,411 crore
- Kotak Active Momentum Fund₹1,625 crore
- Axis Services Opportunities Fund₹1,603 crore
- BANDHAN Infrastructure Fund₹1,545 crore
- Tata India Pharma & Healthcare Fund₹1,541 crore
Data: NYVO research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. The benchmark (Nifty Financial Services Index TRI) is named for reference only; its values are licensed and never shown. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.