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Kotak ELSS Tax Saver Fund-Growth - Direct is an equity scheme managed by Kotak Mahindra Mutual Fund. Over rolling three-year windows since inception, investors earned a median compounded return of 20.37%, with the bottom and top quartiles at 16.71% and 22.71% respectively. It has ranked in the top half of its category for 1 of the last 2 reported years. The total expense ratio is 0.93% on assets of ₹6,112Cr. The fund is currently managed by Mr. Harsha Upadhyaya, appointed within the last year.
Lower is better.
This scheme classifies as Large-Value on the 3x3 equity style box, with 95% of its portfolio classified as of 2026-05-29.
| Holding | Sector |
|---|
| Window | Min | P25 | Median |
|---|
Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
Same fund, monthly SIPs over rolling 1/3/5-year windows.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
| Weight |
|---|
| HDFC BANK LIMITED | Financial Services | 7.58% |
| STATE BANK OF INDIA | Financial Services | 5.51% |
| ICICI BANK LIMITED | Financial Services | 4.75% |
| BHARTI AIRTEL LIMITED | Communication Services | 3.75% |
| NTPC LIMITED | Utilities | 3.27% |
| TECH MAHINDRA LIMITED | Technology | 2.89% |
| BRITANNIA INDUSTRIES LIMITED | Consumer Defensive | 2.67% |
| LARSEN AND TOUBRO LIMITED | Industrials | 2.63% |
| HERO MOTOCORP LIMITED | Consumer Cyclical | 2.50% |
| LINDE INDIA LIMITED | Basic Materials | 2.40% |
| HINDUSTAN PETROLEUM CORPORATION LIMITED | Energy | 2.30% |
| SUN PHARMACEUTICAL INDUSTRIES LTD. | Healthcare | 2.22% |
| AXIS BANK LIMITED | Financial Services | 2.07% |
| BOSCH LIMITED | Consumer Cyclical | 2.06% |
| BHARAT PETROLEUM CORPORATION LTD. | Energy | 1.97% |
| RELIANCE INDUSTRIES LIMITED | Energy | 1.92% |
| ULTRATECH CEMENT LIMITED | Basic Materials | 1.80% |
| MAHINDRA AND MAHINDRA LIMITED | Consumer Cyclical | 1.77% |
| MPHASIS LIMITED | Technology | 1.68% |
| DATA PATTERNS (INDIA) LIMITED | Industrials | 1.67% |
| BANK OF BARODA | Financial Services | 1.64% |
| POWER GRID CORPORATION OF INDIA LIMITED | Utilities | 1.61% |
| INTERGLOBE AVIATION LIMITED | Industrials | 1.58% |
| SOLAR INDUSTRIES INDIA LIMITED | Basic Materials | 1.52% |
| INDUSIND BANK LIMITED | Financial Services | 1.35% |
| Sector | Holdings | Weight |
|---|---|---|
| Financial Services | 9 | 32.47% |
| Automobile and Auto Components | — | 7.33% |
| Oil, Gas & Consumable Fuels | — | 6.19% |
| Construction | — | 5.74% |
| Information Technology | — | 5.54% |
| Healthcare | 3 | 5.31% |
| Power | — | 4.88% |
| Capital Goods | — | 4.83% |
| Chemicals | — | 4.74% |
| Telecommunication | — | 4.69% |
Active bets vs the average Equity fund. Biggest deviations shown first.
Accent bar = fund's actual sector weight. Vertical black tick = category average for the same sector. Green overlay = overweight, dashed red = underweight. The biggest active bets show first.
| P75 |
|---|
| Max |
|---|
| Positive % |
|---|
| 1Y | -7.20% | 4.74% | 16.46% | 35.92% | 68.15% | 91.2% |
| 3Y | 12.11% | 16.71% | 20.37% | 22.71% | 29.13% | 100.0% |
| 5Y | 12.99% | 15.63% | 19.51% | 22.49% | 25.75% | 100.0% |
Each cell is one year. Q1 = top quartile within the AMFI category for that period. Cell label is the last two digits of the year.
Top-10 weight 38.0% means the portfolio is broad — even the top names don't dominate. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Equity.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
What an investor SIPping into this fund actually got during named market shocks.
Each row is a back-tested SIP — monthly contribution over the regime's duration, no fees adjustment beyond NAV-baked TER. XIRR is the annualised IRR of those cashflows; Abs return is the absolute cash-on-cash; Max DD is the deepest drawdown experienced mid-investment. Past performance is not indicative of future results.
Alpha is the annualised excess return vs benchmark over the manager's tenure on this scheme. Beat-benchmark = total return beat the index over the same window.