Is the Kotak Mutual Fund Good For Investment in 2025?

Looking to invest in Kotak Mutual Fund in 2025? Discover expert insights, fund performance, and whether it's the right choice for your financial goals.

May 2, 2025 - 10:06

Is the Kotak Mutual Fund Good For Investment in 2025?

Last year, the Kotak Mutual Fund was ranked 5^th among all fund houses in the country in terms of total AUM (Assets Under Management). No AMC can achieve such heights without the support of a large investor base.

But, if you still have doubts about whether this AMC is good or not? Then it is completely understandable, “No one should have blind faith in anything being said without strong arguments”.

This article presents some strong arguments in favor of this fund house that will convince you to invest with it. And to give a quick start to your investment journey with the fund house, it also contains a list of top 10 mutual funds offered by the AMC.

And at the end, there are 5 effective ways through which you can find the most suitable mutual fund in the future as well. So let’s get started with an overview of the fund house.

Overview of the Kotak Mutual Fund

The fund house is a wholly owned subsidiary of the Kotak Mahindra Bank, the third-largest private sector bank in India by market capitalization. It was established in 1998.

Such a strong backup brings strong financial stability to the fund house. The following are some interesting facts about the AMC:

· It is among the largest AMCs in India based on the total AUM.

· The fund house manages a massive AUM of more than Rs 6,80,838 crores.

· It currently serves more than 1.21 crore investors from across the nation.

The AMC is widely known for its risk management ability which uses different techniques and models to reduce overall market risks to protect your portfolio.

But this is not enough to convince anyone to trust the AMC. So let us now learn why you should trust the Kotak Mutual Fund.

Why Should You Trust the Kotak Mutual Fund?

The following are some key reasons why Kotak Mutual Fund is highly trusted among investors:

1. Successful Track Record

The fund house has a successful track record as many of its mutual funds like the Kotak Multicap Fund and Kotak India EQ Contra Fund have been delivering a 3-year CAGR of more than 20%. You can also earn this much returns by staring a SIP with the fund.

2. Transparent Fund Management

The AMC is committed to conducting transparent operations and sharing every key detail regarding its schemes and investment strategies with investors. Thus, your portfolio is managed in the most transparent way. And your personal data is also well protected with the AMC.

3. Effective Leadership Framework

Leaders like Mr. Nilesh Shah (Managing Director) and Mr. Harsha Upadhyaya (Chief Investment Officer) come with a collective experience of more than 40 years in fund management and equity research. Under their leadership, the fund house has been able to attain a huge investor base.

After reading these reasons, you must be interested in investing with the AMC. So, to help you start your investment journey with the Kotak Mutual Fund, the next section provides a list of the top 10 mutual funds offered by it.

Which Kotak Mutual Fund is the Best?

The fund house offers more than 80 mutual funds and the table below contains 10 schemes that are best in their respective category. These schemes are selected based on their returns since inception, AUM, and minimum SIP.

Carefully go through these schemes and try to find a suitable scheme:

Sr. No.	Schemes	Category	AUM	Returns Since Inception	Minimum Investment (SIP)
1.	Kotak Infrastructure and Economic Reform Fund	Equity – Infrastructure	₹2,133 Crs	17.98%	Rs 1,000
2.	Kotak Emerging Equity Fund	Equity – Mid Cap	₹48,129 Crs	20.46%	Rs 500
3.	Kotak India EQ Contra Fund	Equity – Contra	₹3,935 Crs	17.06%	Rs 1,000
4.	Kotak Gilt Investment	Debt - Gilt	₹3,934 Crs	8.62%	Rs 1000
5.	Kotak Dynamic Bond Fund	Debt – Dynamic Bond	₹2,826 Crs	8.97%	Rs 1000
6.	Kotak Medium Term Fund	Debt – Medium Duration	₹1,766 Crs	8.57%	Rs 1000
7.	Kotak Gold Fund	Commodities - Gold	₹2,835 Crs	8.38%	Rs 500
8.	Kotak Multi Asset Allocator FoF	Hybrid – Hybrid FoF	₹1,652 Crs	15.78%	Rs 1000
9.	Kotak Equity Hybrid Fund	Hybrid – Aggressive Hybrid	₹6,795 Crs	13.61%	Rs 1000
10.	Kotak ELSS Tax Saver Fund	Equity - ELSS	₹5,863 Crs	16.1%	Rs 500

Did you find a scheme for yourself? If not, don’t worry, these schemes may not align with your financial goals. The next section will help you find the most suitable Kotak Mutual Fund scheme.

How Can You Find the Most Suitable Kotak Mutual Fund Scheme?

There are 5 effective ways through which you can find suitable mutual funds for yourself:

1. Have clear financial goals, whether short-term or long-term or others.

2. Carefully assess your risk appetite in accordance with your goals.

3. Compare funds based on SIP returns, rolling returns, AUM, etc.

4. The lower the expense ratio, the higher your net returns will be annually.

5. Do not forget to review the portfolio allocation of the scheme.

Consider these points each time you hunt for a mutual fund and you will always find the most suitable scheme that can help you achieve your goals. Now let us conclude this discussion with the bottom line.

Bottom Line

A fund house is responsible for profitably investing your money in the market. And when it comes to fund houses, this AMC stands way higher than its competitors for two specific reasons. One is its highly effective risk management framework and the other is a strong financial stability to withstand difficult times.

Among more than 80 mutual funds, you can easily find a suitable one if you carefully follow those points. And once you find, start a SIP or lump sum investment according to your financial conditions and enjoy earning great returns.