Kotak Mahindra Mutual Funds - Complete Guide 2025
The Indian investors have over the past years made mutual funds one of the most preferred investment in recent years. Kotak Mahindra Funds are one of the main players in this field that provides a broad range of investment solutions to serve fresh and seasoned investors. The article provides an insightful look at Kotak Mahindra Mutual Funds that are applicable in the year 2025, addressing some of the most common questions about the products, performance, and distinct products offered in the company.
Why Kotak Mahindra Mutual Fund is Relevant to 2025 Investors?
Kotak Mahindra Mutual Fund is a leading Asset Management Company (AMC) in India, that manages an asset value of more than [?]3.4 lakh crore as of the beginning of 2025. The AMC is a subsidiary of Kotak Mahindra Bank and has lakhs of investors with more than 70 schemes in the equity, debt, hybrid and solution-oriented categories.
Indian mutual fund investors are increasingly preferring digital access, transparency programs by SEBI and increasing financial literacy. Indeed, Kotak Mahindra mutual fund is one such fund, with a strong banking brand, customer-focused element, and a stable history of stable returns. To people who want to meet their future objectives of educating children, retirement or tax planning, Kotak has products that are specific to each need.
What Are the Major Features or Highlights of Kotak Mahindra
|human|>What Are the Major Features or Highlights of Kotak Mahindra Mutual Funds?
- Broad portfolio of schemes: It has more than 70 actively managed funds, both equity and debt, hybrid, sectoral and solution-based funds.
- Good brand support: History of trust and professional management of Kotak Mahindra Group.
- User functionality: Smooth electronic investment, mobile app investments and robust offline.
- Expert knowledge of fund managers: Veteran fund managers and long-term performance record.
- Various SIP plans: SIP can be started at as low as [?]500 per month.
- Online services: Portfolio tracker, e-mandate set-up, video KYC, instant account statements through app or web.
- Focus on ESG: New launches have a theme of Environmental, Social and Governance per the global demand in 2025.
Did you know? In 2024, Kotak Mahindra Mutual fund received an award of one of the best fund houses by Morningstar India, and its reputation got a boost to win over even 2025 investors.
Which Kind of Mutual Funds Does Kotak Mahindra provide?
Kotak Mahindra Mutual Fund has a wide range of category whereby investors can customize products according to their risk-taking capacity, investment duration, and objectives.
Equity Funds
- Kotak Flexicap Fund
- Kotak Bluechip Fund
- Kotak Emerging Equity Fund
- Kotak Small Cap Fund
Debt Funds
- Kotak Liquid Fund
- Kotak Savings Fund
- PSU Debt Fund and Kotak Banking.
- Kotak Corporate Bond Fund
Hybrid Funds
- Kotak Equity Hybrid Fund
- KotakMulti Asset Allocation Fund.
- Kotak Balanced Advantage Fund.
Solution-Oriented Funds
- Kotak Retirement Fund
- Kotak Childrens Benefit Fund.
Index and Thematic Funds
- Kotak Nifty ETF
- Kotak ESG Opportunities Fund..
- Kotak Nasdaq 100 Fund of Fund
Another question that people ask is What is the minimum investment in Kotak Mutual Funds? Minimum lump sum may begin [?]5,000; in the case of SIP, it may tend to be [?]500 per month thus affordable to everybody.
What is the Latest Performance of Kotak Mahindra Mutual Fund?
Before making any calls, investors are always interested to look into the previous performance. Based on the Value Research and AMFI data on 2022 through 2024, most of Kotak Mahindra flagship equity schemes have outperformed theirs over time.
As an example, Kotak Flexicap Fund has provided 17.5 percent annualized returns over the past three years till April 2025, whereas Kotak Bluechip Fund has provided a hearty 16 percent. Debt funds, too, have been almost stable, regardless of varying rates of interest.
Performance Snapshot: Comparison Table (2022-2025)
| Name of fund | 1 year (%) | 3 year (%) | 3 year category (3Y, %) |
|---|---|---|---|
| Kotak Flexicap Fund | 22.3 | 17.5 | 16.0 |
| Kotak Bluechip Fund | 19.7 | 16.0 | 14.2 |
| Kotak Liquid Fund | 6.7 | 5.1 | 5.0 |
| Kotak Equity Hybrid Fund | 15.4 | 14.0 | 13.6 |
Note: The past performance is not a guarantee of the future returns. Always have the appropriate risk profile to investment.
Insight of experts: Some market analysts assume that Kotak active management and sound risk management will be of importance to investor even within a volatile market environment in 2025.
What are the key advantages and disadvantages of Kotak Mahindra Mutual funds?
Pros
- Good heritage having more than 25 years in mutual fund industry.
- Comprehensive network of branches and online points of contact.
- Minimal entry criteria to SIP investors.
- Both conservative and aggressive profile choices are available.
- Award winning fund managers and regular rating by independents.
- Real-time investor reporting and monitoring software.
Cons
- Not all niche sectoral funds tend to perform well in comparison with general markets.
- The expense ratios are competitive but not all time the lowest in the industry.
- Small cap/specialised funds will be more volatile.
Did you know? When the global trend in sustainable investments was early on, Kotak became one of the early Indian AMCs to start a specific ESG fund.
Comparison of Kotak mutual fund with other top mutual funds in India?
| AMC (as of Jan 2025) | Total AUM ([?] Crore) | Number of Schemes | 3Y weighted average equity returns (%) | App User Rating (Play Store) |
|---|---|---|---|---|
| Kotak Mahindra MF | 3,40,000 | 73 | 16.5 | 4.3 |
| SBI Mutual Fund | 7,25,000 | 102 | 15.8 | 4.2 |
| HDFC Mutual Fund | 5,55,000 | 99 | 16.2 | 4.2 |
| ICICI Prudential MF | 6,73,000 | 105 | 15.9 | 4.0 |
| Nippon India Mutual | 3,65,000 | 94 | 15.1 | 4.1 |
Kotak Mahindra has been known to be convenient to customers, provide customized solutions and offer a stable performance, particularly to risk-averse and SIP-based investors.
How do I Invest in Kotak Mahindra Mutual Fund in 2025?
It is a very digital and fast process. New customers are able to open an account online through video KYC based on Aadhaar. The latest rules put forward by SEBI will guarantee prompt verification.
- Select scheme & amount (lump sum or SIP)
- Full online KYC ( Aadhaar, PAN, mobile number )
- Connect bank account, configure e-mandate of automatic SIPs.
- Investment tracking and management on the mobile application or web portal.
The question that people also pose is: Is it safe to invest through Kotak Mutual Fund app? The app has two factor authentication, 256-bit encryption of data through the use of the SSL and compliant data protection according to the RBI standards and regulations, thus being very safe to investors.
Who is supposed to think Kotak Mahindra Mutual Fund?
It can be of benefit to investors with different requirements:
- New investors who would wish to begin with low investments and simple SIPs.
- The advanced investors that require an active management and specialised funds.
- Old fashioned savers who need security of returns of debt or liquid schemes.
- Retirement, children education or tax savings goal oriented investors.
Did you know?
By 2025, more new Kotak fund investors will be in Tier 2 and Tier 3 towns leaving more than 45 percent of efforts because of enhanced digital and vernacular penetration.
What are the well-known Kotak Mahindra Mutual Funds to invest with SIP in 2025?
SIP as an investment method is a prudent way of rupee cost averaging and accumulating wealth. Several of the common schemes this year are:
- Kotak Flexicap Fund SIP: This is aimed at the growth fund that targets large, mid and small cap stocks.
- Kotak Bluechip Fund SIP: Bluechip emphasis of reduced risk and consistent possible returns.
- Kotak Tax Saver ELSS: The ELSS is tax-beneficial to investors under Section 80C.
- Kotak Banking and PSU Debt Fund: Low risk SIP in the fixed income.
- Kotak Standard Multicap Fund: It will be introduced in 2025 and will be able to be allocated in various market caps.
What is the performance of Kotak in Digital Services, Customer Care and Transparency?
In 2025, Kotak Mutual Fund has taken a step to upgrade its digital services and provides:
- Performance snapshot real time portfolio tracker.
- Two step rebalancing tool to rebalance the asset allocation at market cycle levels.
- 24/7 chatbots to answer simple questions in English and Hindi.
- Immediate updates on NAV, redeemptions and SIP notifications.
- Complete record of tax statement and capital gains are downloaded at the time of filing.
Most independent reviews score them positively on customer care and most of their queries respond within less than 24 hours, which is better than some of their competitors.
Professionals opinion:
The requirement of transparency and disclosures on the part of the investor by SEBI has ensured that mutual fund applications such as Kotak are easier and reliable to use than ever before.
Is Sectoral or Thematic Kotak Mahindra Funds worth investing in 2025?
Thematically and sector funds such as the Kotak ESG or Kotak NASDAQ 100 Fund of Fund can prove to be more lucrative in trending sectors but they are riskier and more volatile. They are appropriate among the informed investors who are more risk-takers.
There are now major sectoral funds by Kotak which are:
- Kotak Pharma Fund
- Kotak Infrastructure and Digital fund.
- Kotak ESG Opportunities Fund
As advised by industry experts, minimum holding period of these funds should be 5 years or more.
Also asked: Is it possible to redeem Kotak Mutual Funds online immediately? Within 24 hours, liquid funds redemptions are done. Depending on bank settlement schedules, the redemption of equity and hybrid funds can also take 2-3 business days.
How Does Kotak approach Sustainable Investing and ESG in Mutual Funds?
Mutual Funds Kotak Mahindra was one of the early-adopters of the principles of ESG. Their ESG Opportunities Fund in 2025 and new launches are within rigid frameworks that are in line with global UN Sustainable Development Goals.
Their main ESG investment highlights:
- Filter out unscrupulous companies (eg. tobacco, weapons, coal)
- Invest in businesses and organizations that do well in renewable energy, ethical management and beneficial social change.
- Publish ESG ratings in factsheets, based on SEBI 2024 principle.
Did you know?
Kotak ESG assets managed increased more than 200 per cent between 2023 and 2025 indicating an increased interest among investors in responsible investment.
Quick Recap or TLDR
- Kotak Mahindra Mutual Fund, having more than [?]3.4 lakh crore assets, has 70 plus schemes in all major categories.
- Beloved brand, mature management and online-only services.
- Constant competitive performance in relation to popular equity and debt schemes.
- Highly available, easy to SIP, mobile application and good offline coverage.
- Excellent investment decision among any type of investor but especially among those willing to create wealth in a disciplined manner.
- Observe a bit more volatility in sector or small-cap based funds.
- High sustainable investing concentration, high growth of ESG funds.
People Also Ask: FAQs
Q1. Is Kotak Mahindra Mutual Fund long term safe investment?
A. No these funds are safe and regulated by SEBI and supported by Kotak Mahindra Group, with the normal market risk as a matter of concern.
Q2. What is the way I can redeem my Kotak Mutual Fund units?
A. Through the app or the site you can redeem and you can also redeem by going to a local branch. The funds are deposited in your registered bank account according to T plus 2 settlement schemes of equity funds.
Q3. Is Kotak Mahindra a provider of tax saving mutual funds?
A. Yes, Kotak Tax Saver ELSS Fund is eligible to section 80C.
Q4. Is it possible that NRIs invest in Kotak Mahindra Mutual Funds?
A. Yes, NRIs of most nations are allowed to invest, under FEMA regulations.
Q5. What are the start-up documents?
A bank account, Aadhaar and A. PAN are required. Offline KYC may be demanded to provide address proof, and photo.
Q6. What is the difference between Kotak MF and banks fixed deposits?
A. Mutual funds are more market oriented and can offer a greater payoff. FDs are fixed and less risky but they might be exposed to changes in interest rates.
Q7. Kotak app SIP stop or change? What is that?
A. The app also lets you pause, stop or adjust your SIP with an additional level of flexibility in a few swipes in 2025.
Q8. Does Kotak fund exist in third-party platforms?
A. Yes, it is possible to invest through such a platform as Groww, Zerodha, Paytm Money, etc. in addition to the official Kotak portal and app.
To get more details, visit the official site of Kotak Mahindra mutual fund, its latest fact sheets and investor resources of SEBI.
Sources
- Kotak Mutual Fund India Official Web site.
- AMFI (Association of mutual funds in India)Official Webpage.
- Value Research: Stock Mutual Fund, Investment, and Research.
- Morningstar India Official Webiste
- Securities and Exchange Board of India (SEBI).
