Kotak ELSS Tax Saver Fund
NAV
₹140.97
as of 21 Aug 2026
Kotak ELSS Tax Saver Fund is an open-ended ELSS scheme from Kotak Mahindra Mutual Fund managing ₹6,342 crore (as of 31 Jul 2026). Its Direct-plan NAV is ₹140.97 as of 21 Aug 2026. The expense ratio is 0.73% a year. Managed by Harsha Upadhyaya. This page is factual data only — it carries no rating and no recommendation.
Key facts
- Expense ratio
- 0.73% / yr
- as of 30 Jun 2026
- Fund size
- ₹6,342 crore
- as of 31 Jul 2026
- Exit load
- None
- SIP available
- Yes
- Launched
- 23 Nov 2005
- ISIN
- INF174K01LI3
₹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 500 Index
Kotak ELSS Tax Saver Fund
₹190
+90% on ₹100 over 5.0 yrs
ELSS average
₹182
+82% on ₹100 over 5.0 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 3 months | 7.51% | 5.71% | +1.80 |
| 6 months | 1.48% | 2.09% | -0.61 |
| 1 year | 3.53% | 2.03% | +1.50 |
| 3 years (CAGR) | 13.11% | 13.46% | -0.35 |
| 5 years (CAGR) | 13.62% | 12.99% | +0.63 |
No category average is available for this fund. 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
- -5.6%
- Median
- 10.8%
- Best
- 46.4%
49 windows over the last 60 months, stepped monthly; 88% ended positive. Worst window began 1 Oct 2024. Windows overlap — this is the range of past start dates, not a probability of anything.
3-year holding periods (per year)
- Worst
- 12.7%
- Median
- 16.8%
- Best
- 23.2%
25 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 1 Aug 2023. Windows overlap — this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 0.43
- Sharpe ratio (5Y)
- 0.56
- Sortino ratio (3Y)
- 0.60 vs category 0.62
- Standard deviation (3Y)
- 15.25%
- Beta (3Y)
- 0.97
- Alpha (3Y)
- 0.65%
- Deepest fall (5Y)
- -18.81%
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
-18.8%
Right now
-2.1% below peak
Ahead of its benchmark in 56% of months (window: 3y, monthly) — benchmark: NIFTY 500 Index, name shown only.
Where the money actually is
Equity
99.5%
Cash
0.5%
Whole-portfolio split, as of 31 Jul 2026.
What it owns
54 positions · top 10 = 37.9%
Market-cap mix
Large 65.4%Mid 23.3%Small 10.7%Other 0.5%
as of 31 Jul 2026
Holdings by sector
Financial Services(4 in top 10)31.8%
- HDFC Bank Ltd7.08%
- ICICI Bank Ltd5.21%
- State Bank of India5.10%
- Bajaj Finance Ltd2.83%
Consumer Cyclical(2 in top 10)14.2%
- Eternal Ltd2.86%
- Hero MotoCorp Ltd2.55%
- Industrials12.5%
- Basic Materials8.1%
Healthcare(1 in top 10)7.8%
- Sun Pharmaceuticals Industries Ltd2.51%
Technology(1 in top 10)6.6%
- Tech Mahindra Ltd3.12%
- Energy6.0%
Communication Services(1 in top 10)4.6%
- Bharti Airtel Ltd3.78%
Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 31 Jul 2026. Portfolio turnover 20.7% vs category 35.8% a year.
Other top holdings
- NTPC Ltd2.85%
The businesses it owns
- P/E (trailing)
- 23.5 vs category 24.3
- P/B
- 3.1 vs category 3.3
- Dividend yield
- 1.5% vs category 1.2%
- Net margin
- 16.7% vs category 17.4%
- Earnings growth
- 9.6%
- Avg market cap
- ₹1.93 lakh crore
Money in, money out
- Net flow, 12 months
- −₹122 cr
- Net flow, 3 months
- −₹57 cr
as of 31 Jul 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of Kotak ELSS Tax Saver Fund?
- ₹140.97 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of Kotak ELSS Tax Saver Fund?
- 0.73% a year for the Direct plan, as of 30 Jun 2026.
- How large is Kotak ELSS Tax Saver Fund?
- ₹6,342 crore under management as of 31 Jul 2026, in the ELSS category.
- How risky is Kotak ELSS Tax Saver Fund?
- Its SEBI Riskometer reading is "Very High Risk". Equity with a three-year lock and a Section 80C deduction attached.
- What are the 5-year returns of Kotak ELSS Tax Saver Fund?
- 13.62% a year over the last 5 years (Direct plan, CAGR), against a ELSS average of 12.99%. Past returns do not predict future returns.
- What is the worst 3-year return of Kotak ELSS Tax Saver Fund?
- 12.7% a year — the weakest of 25 overlapping 3-year holding periods, beginning 1 Aug 2023. The median was 16.8% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
- Who manages Kotak ELSS Tax Saver Fund?
- Harsha Upadhyaya, managing this fund for 10.9 years.
Where this fund sits
Its shelf, all funds
El · ELSS tax saver →
Equity with a three-year lock and a Section 80C deduction attached.
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 ELSS funds
- Axis ELSS Tax Saver Fund₹32,592 crore
- SBI ELSS Tax Saver Fund₹32,300 crore
- Mirae Asset ELSS Tax Saver Fund₹26,049 crore
- DSP ELSS Tax Saver Fund₹16,738 crore
- Canara Robeco ELSS Tax Saver₹8,758 crore
- BANDHAN ELSS Tax Saver Fund₹6,911 crore
- Franklin India ELSS Tax Saver Fund₹6,239 crore
- Parag Parikh ELSS Tax Saver Fund₹5,700 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 500 Index) 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.