mutual funds kotak equity savings fund directgrowth

holdings

Kotak Equity Savings Fund Direct-Growth

Hybrid: Equity Savings - Growth (Open ended)

Kotak Equity Savings Fund Direct-GrowthNAV: 30.61 as on 06 Sep, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: Moderately HighCategory: Hybrid: Equity SavingsBenchmark: NIFTY Equity Savings Total Return IndexCheck Portfolio Overlap →

NAV: ₹30.61-0.08%

07 Sept 2026

Holdings Analysis

Equity, debt and cash allocation snapshot with market cap distribution for Kotak Equity Savings Fund Direct-Growth.

Asset Allocation

As on 31 Jul 2026

Others

37.77%

Equity

34.20%

Debt

23.99%

Real estate

4.05%

Market Cap Distribution

Large Cap (66.8%)

Mid Cap (26.9%)

Small Cap (6.2%)

Historical Asset Allocation

Asset	31 Jul 2026	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026
Equity	34.20%	33.80%	33.50%	33.30%	38.13%	36.68%
Debt	23.99%	25.43%	24.04%	24.99%	24.73%	20.00%
Others (incl. cash)	37.77%	38.59%	40.80%	40.13%	35.47%	41.76%
Commodities	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Real Estate	4.05%	2.19%	1.65%	1.58%	1.67%	1.55%

Portfolio Snapshot

No. of Securities

169

P/E Ratio

19.75

P/B Ratio

2.78

Top Holding %

37.73%

Top 5 Holdings %

56.33%

Top 10 Holdings %

69.62%

Modified Duration

1.98 yrs

Avg. Maturity

2.94 yrs

Yield to Maturity

6.96%

AUM

₹10,410 Cr

Expense Ratio

1.07%

Since Inception

9.85%

Max Drawdown

-0.16%

Sharpe Ratio

0.77

Top Portfolio Holdings by Weight

Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.

Instrument	Sector	No. of Shares	Value (Rs. Cr)	Weight	Change
Bharti Airtel Ltd.	Communication	29,89,070	589.44	5.66%	-0.48%↓
Indus Towers Ltd.	Communication	94,73,698	370.52	3.56%	0.24%↑
Maruti Suzuki India Ltd.	Automobile	2,12,088	301.89	2.90%	-0.03%↓
HDFC Bank Ltd.	Financial	40,14,400	300.34	2.89%	-0.25%↓
State Bank of India	Financial	29,14,289	299.41	2.88%	-0.05%↓
One97 Communications Ltd.	Services	19,73,450	265.03	2.55%	0.34%↑
NTPC Ltd.	Energy	75,12,400	260.87	2.51%	-0.11%↓
Adani Ports and Special Economic Zone Ltd.	Services	15,18,575	257.63	2.47%	-0.21%↓
Radico Khaitan Ltd.	Consumer Staples	5,72,200	248.38	2.39%	0.08%↑
ICICI Bank Ltd.	Financial	17,19,963	246.88	2.37%	0.06%↑
Hero Motocorp Ltd.	Automobile	4,45,000	239.68	2.30%	0.22%↑
ITC Ltd.	Consumer Staples	72,95,019	204.99	1.97%	-0.08%↓
Indusind Bank Ltd.	Financial	16,50,000	167.05	1.60%	0.11%↑
Poonawalla Fincorp Ltd.	Financial	32,68,309	151.5	1.46%	0.05%↑
Reliance Industries Ltd.	Energy	11,48,452	150.19	1.44%	-0.01%↓
Mphasis Ltd.	Technology	6,23,384	146.02	1.40%	-0.13%↓
Emmvee Photovoltaic Power Ltd.	Energy	45,73,154	145.24	1.40%	-0.14%↓
Hindustan Unilever Ltd.	Consumer Staples	6,63,000	139.32	1.34%	0.09%↑
Axis Bank Ltd.	Financial	10,80,000	132.79	1.28%	-0.15%↓
NLC India Ltd.	Energy	43,77,601	130.41	1.25%	-0.13%↓

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Sector-wise Portfolio Allocation

Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.

Sector	31 Jul 2026	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026
Financial	7.97%	7.81%	7.37%	7.99%	9.17%	9.14%
Automobile	6.06%	5.91%	5.28%	5.54%	6.36%	7.20%
Energy	5.41%	5.70%	6.04%	5.82%	6.37%	5.10%
Consumer Staples	5.17%	5.07%	4.89%	5.09%	5.01%	3.70%
Communication	4.39%	4.75%	4.99%	4.57%	5.27%	5.37%
Services	2.57%	1.99%	2.01%	2.19%	3.55%	3.87%
Technology	1.50%	1.45%	1.61%	1.64%	1.79%	1.79%
Metals & Mining	0.63%	0.66%	0.78%	-	-	-
Materials	0.46%	0.45%	0.58%	0.56%	0.57%	0.59%
Capital Goods	0.19%	0.18%	0.12%	0.17%	0.18%	0.19%
Construction	0.07%	0.07%	0.06%	0.07%	0.07%	0.05%

Debt Holdings — Credit Quality Profile

Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.

Rating	Fund	Category
Cash	31.00%	27.50%
A1+	9.47%	3.34%
AAA	9.16%	4.99%
Cash & Call Money	6.76%	14.37%
SOV	3.83%	8.38%
AA+	1.29%	0.96%
AA	0.14%	0.65%
Term Deposits	0.07%	0.15%
Others	0.02%	0.39%
A+	-	0.17%
AA-	-	0.17%
D	-	10.07%

Equity Insights

A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.

Style Analysis

Value score

Score not available.

Price Momentum score

Score not available.

Quality score

Score not available.

QVM score

Score not available.

Red Flags

Earnings manipulation risk (Beneish M-score)

Following stocks have high risk of potential earnings manipulation (Beneish M-score > -1.78):

Name	Value
Adani Enterprises Ltd.	-1.63
Hindustan Unilever Ltd.	-1.56
Hindustan Zinc Ltd.	-1.37
Zydus Lifesciences Ltd.	-1.55
Varun Beverages Ltd.	-1.69
Swiggy Ltd.	-1.35

Declining revenues

Following companies have seen their sales decline for 2 consecutive quarters (measured on yoy basis): ITC Ltd., LIC Housing Finance Ltd., NBCC (India) Ltd., OLA Electric Mobility Ltd., REC Ltd., United Spirits Ltd.

High leverage

Following companies have debt to equity of greater than 2:

Name	Value
Grasim Industries Ltd.	2.2
Tata Power Company Ltd.	2.02
TVS Motor Company Ltd.	3.43

Debt Insights

A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.

SEBI PRC matrix

Credit risk

	Interest risk
	Low	Moderate	High
Low
Moderate
High

Instruments

Full name	Description	Coupon rate	Maturity	Rating raw	Weight
Muthoot Finance Ltd.	Non Convertible Debenture	8.45%	26/06/2029	CRISIL AA+	0.96%
Small Industries Devp. Bank of India Ltd.	Non Convertible Debenture	7.29%	09/11/2029	CRISIL AAA	0.96%
Embassy Office Parks REIT	Debenture	7.21%	17/03/2028	CRISIL AAA	0.96%
Punjab National Bank	Certificate of Deposit	0.00%	12/03/2027	CRISIL A1+	0.92%
Bank Of Baroda	Certificate of Deposit	0.00%	11/03/2027	FITCH A1+	0.92%
Mahindra & Mahindra Financial Services Ltd.	Debenture	7.89%	28/04/2028	CRISIL AAA	0.72%
Siddhivinayak Securitisation Trust	Securitised Debt	0.00%	0	CRISIL AAA(SO)	0.71%
National Housing Bank	Bonds	6.80%	02/04/2032	CARE AAA	0.71%
Shivshakti Securitisation Trust	Securitised Debt	0.00%	0	CRISIL AAA(SO)	0.70%
Bihar State	State Development Loan	7.45%	10/09/2034	SOV	0.58%
Tamilnadu State	State Development Loan	7.21%	21/01/2032	SOV	0.49%
National Bank For Agriculture & Rural Development	Bonds	6.85%	19/01/2029	ICRA AAA	0.47%
AU Small Finance Bank Ltd.	Certificate of Deposit	0.00%	18/02/2027	CARE A1+	0.46%
HDFC Bank Ltd.	Certificate of Deposit	0.00%	24/02/2027	CARE A1+	0.46%
National Bank For Agriculture & Rural Development	Certificate of Deposit	0.00%	22/01/2027	CRISIL A1+	0.46%
GOI	GOI Securities	6.90%	15/04/2065	SOV	0.42%
National Bank For Agriculture & Rural Development	Bonds/NCDs	7.83%	30/12/2026	ICRA AAA	0.32%
Small Industries Devp. Bank of India Ltd.	Debenture	7.44%	04/09/2026	CRISIL AAA	0.29%
Bihar State	State Development Loan	7.52%	10/09/2036	SOV	0.29%
Mankind Pharma Ltd.	Debenture	7.99%	16/10/2026	CRISIL AA+	0.24%
Bihar State	State Development Loan	6.88%	09/07/2035	SOV	0.23%
Small Industries Devp. Bank of India Ltd.	Non Convertible Debenture	7.68%	10/09/2027	CRISIL AAA	0.19%
SMFG India Credit Company Ltd.	Non Convertible Debenture	8.28%	05/08/2026	ICRA AAA	0.19%
Tata Capital Financial Services Ltd.	Non Convertible Debenture	8.10%	22/01/2027	CRISIL AAA	0.19%
National Housing Bank	Non Convertible Debenture	7.59%	08/09/2027	CRISIL AAA	0.19%
Tamilnadu State	State Development Loan	6.99%	25/05/2041	SOV	0.14%
REC Ltd.	Debenture	7.56%	31/08/2027	ICRA AAA	0.14%
HDB Financial Services Ltd.	Non Convertible Debenture	7.96%	05/01/2028	CRISIL AAA	0.14%
National Bank For Agriculture & Rural Development	Debenture	7.70%	30/09/2027	FITCH AAA	0.14%
Mahindra & Mahindra Financial Services Ltd.	Debenture	0.00%	24/12/2027	CRISIL AAA	0.10%
REC Ltd.	Debenture	7.77%	30/09/2026	CRISIL AAA	0.10%
Small Industries Devp. Bank of India Ltd.	Bonds	7.34%	26/02/2029	CRISIL AAA	0.10%
LIC Housing Finance Ltd.	Non Convertible Debenture	6.90%	17/09/2027	CRISIL AAA	0.10%
HDFC Bank Ltd.	Debenture	0.00%	29/11/2028	CRISIL AAA	0.09%
GOI	GOI Securities	0.00%	15/04/2042	SOV	0.08%
L&T Finance Ltd.	Non Convertible Debenture	8.24%	16/06/2027	ICRA AAA	0.08%
GOI	GOI Securities	0.00%	15/10/2042	SOV	0.07%
HDFC Bank Ltd.	Fixed Deposits	9.05%	16/10/2028	CRISIL AAA	0.07%
REC Ltd.	Non Convertible Debenture	7.77%	31/03/2028	CRISIL AAA	0.06%
Mahindra & Mahindra Financial Services Ltd.	Debenture	0.00%	25/03/2027	CRISIL AAA	0.05%
LIC Housing Finance Ltd.	Debenture	7.84%	11/05/2027	CRISIL AAA	0.05%
LIC Housing Finance Ltd.	Bonds	7.56%	14/06/2027	CRISIL AAA	0.05%
Power Finance Corporation Ltd.	Bonds	8.94%	25/03/2028	CRISIL AAA	0.05%
Gujarat State	State Development Loan	7.77%	01/06/2031	SOV	0.05%
Axis Finance Ltd.	Debenture	8.35%	07/05/2027	CARE AAA	0.05%
Indian Railway Finance Corporation Ltd.	Non Convertible Debenture	7.46%	18/06/2029	CRISIL AAA	0.05%
REC Ltd.	Debenture	7.59%	31/05/2027	CRISIL AAA	0.05%
Indian Railway Finance Corporation Ltd.	Non Convertible Debenture	8.55%	21/02/2029	CRISIL AAA	0.05%
Export-Import Bank Of India	Bonds	7.62%	01/09/2026	CRISIL AAA	0.05%
HDFC Bank Ltd.	Debenture	8.55%	27/03/2029	CRISIL AAA	0.05%
National Bank For Agriculture & Rural Development	Non Convertible Debenture	8.20%	09/03/2028	CRISIL AAA	0.04%
Tamilnadu State	State Development Loan	8.05%	18/04/2028	SOV	0.03%
Sundaram Finance Ltd.	Debenture	8.04%	26/10/2026	CRISIL AAA	0.03%
HDB Financial Services Ltd.	Debenture	6.35%	11/09/2026	CRISIL AAA	0.03%
Power Grid Corporation Of India Ltd.	Bonds	7.93%	20/05/2028	CRISIL AAA	0.02%
Tata Capital Financial Services Ltd.	Debenture	7.90%	03/12/2026	ICRA AAA	0.02%
Tata Motors Finance Ltd.	Zero Coupon Bonds	0.00%	28/08/2026	CRISIL AAA	0.02%
LIC Housing Finance Ltd.	Debenture	8.70%	23/03/2029	CRISIL AAA	0.01%
Sundaram Finance Ltd.	Debenture	7.75%	11/12/2026	ICRA AAA	0.01%
National Bank For Agriculture & Rural Development	Debenture	8.20%	16/03/2028	CRISIL AAA	0.01%
REC Ltd.	Debenture	7.54%	30/12/2026	CRISIL AAA	0.01%
REC Ltd.	Debenture	7.55%	31/10/2026	CRISIL AAA	0.01%
GOI	GOI Securities	6.79%	15/05/2027	SOV	0.01%
Indian Railway Finance Corporation Ltd.	Debenture	8.35%	13/03/2029	CRISIL AAA	0.01%
Indian Railway Finance Corporation Ltd.	Debenture	7.68%	24/11/2026	ICRA AAA	0.01%
HDB Financial Services Ltd.	Debenture	7.65%	10/09/2027	CRISIL AAA	0.01%

Frequently Asked Questions

What are the top holdings of Kotak Equity Savings Fund Direct-Growth?

The top holdings of Kotak Equity Savings Fund Direct-Growth as of 31 Jul 2026 are Others (37.73%), Kotak Liquid - Plan A - Direct Plan-Growth (6.48%), Bharti Airtel Ltd. (5.66%), Indus Towers Ltd. (3.56%), Maruti Suzuki India Ltd. (2.90%). These top 5 stocks together account for 56.33% of the total portfolio. You can view the complete holdings breakdown above.

How many stocks does Kotak Equity Savings Fund Direct-Growth hold in its portfolio?

Kotak Equity Savings Fund Direct-Growth holds 169 stocks in its portfolio as of 31 Jul 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.

What is the sector allocation of Kotak Equity Savings Fund Direct-Growth?

As of 31 Jul 2026, Kotak Equity Savings Fund Direct-Growth's top sector allocations are Financial (7.97%), Automobile (6.06%), Energy (5.41%). You can find detailed sector allocation above.

What is the equity and debt allocation of Kotak Equity Savings Fund Direct-Growth?

As of 31 Jul 2026, Kotak Equity Savings Fund Direct-Growth has 34.20% allocated to equity, and 23.99% to debt. You can also check the historical trends above.

What is the market cap allocation of Kotak Equity Savings Fund Direct-Growth?

As of 31 Jul 2026, Kotak Equity Savings Fund Direct-Growth's market cap allocation is 66.84% in large caps, 26.93% in mid caps, and 6.23% in small caps.

What is the PE ratio of Kotak Equity Savings Fund Direct-Growth's portfolio?

The portfolio PE ratio of Kotak Equity Savings Fund Direct-Growth is 19.75 as of 31 Jul 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.

What is the credit quality of Kotak Equity Savings Fund Direct-Growth?

As of 31 Jul 2026, Kotak Equity Savings Fund Direct-Growth's debt portfolio has 9.16% in AAA-rated instruments, 0.14% in AA-rated, and 3.83% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.

When is the latest portfolio disclosure for Kotak Equity Savings Fund Direct-Growth?

The latest portfolio disclosure for Kotak Equity Savings Fund Direct-Growth is as of 31 Jul 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.

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Asset

31 Jul 2026

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

Equity

34.20%

33.80%

33.50%

33.30%

38.13%

36.68%

Debt

23.99%

25.43%

24.04%

24.99%

24.73%

20.00%

Others (incl. cash)

37.77%

38.59%

40.80%

40.13%

35.47%

41.76%

Commodities

0.00%

Real Estate

4.05%

2.19%

1.65%

1.58%

1.67%

1.55%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

Bharti Airtel Ltd.

Communication

29,89,070

589.44

5.66%

-0.48%↓

Indus Towers Ltd.

Communication

94,73,698

370.52

3.56%

0.24%↑

Maruti Suzuki India Ltd.

Automobile

2,12,088

301.89

2.90%

-0.03%↓

HDFC Bank Ltd.

Financial

40,14,400

300.34

2.89%

-0.25%↓

State Bank of India

Financial

29,14,289

299.41

2.88%

-0.05%↓

One97 Communications Ltd.

Services

19,73,450

265.03

2.55%

0.34%↑

NTPC Ltd.

Energy

75,12,400

260.87

2.51%

-0.11%↓

Adani Ports and Special Economic Zone Ltd.

Services

15,18,575

257.63

2.47%

-0.21%↓

Radico Khaitan Ltd.

Consumer Staples

5,72,200

248.38

2.39%

0.08%↑

ICICI Bank Ltd.

Financial

17,19,963

246.88

2.37%

0.06%↑

Hero Motocorp Ltd.

Automobile

4,45,000

239.68

2.30%

0.22%↑

ITC Ltd.

Consumer Staples

72,95,019

204.99

1.97%

-0.08%↓

Indusind Bank Ltd.

Financial

16,50,000

167.05

1.60%

0.11%↑

Poonawalla Fincorp Ltd.

Financial

32,68,309

151.5

1.46%

0.05%↑

Reliance Industries Ltd.

Energy

11,48,452

150.19

1.44%

-0.01%↓

Mphasis Ltd.

Technology

6,23,384

146.02

1.40%

-0.13%↓

Emmvee Photovoltaic Power Ltd.

Energy

45,73,154

145.24

1.40%

-0.14%↓

Hindustan Unilever Ltd.

Consumer Staples

6,63,000

139.32

1.34%

0.09%↑

Axis Bank Ltd.

Financial

10,80,000

132.79

1.28%

-0.15%↓

NLC India Ltd.

Energy

43,77,601

130.41

1.25%

-0.13%↓

Sector

31 Jul 2026

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

Financial

7.97%

7.81%

7.37%

7.99%

9.17%

9.14%

Automobile

6.06%

5.91%

5.28%

5.54%

6.36%

7.20%

Energy

5.41%

5.70%

6.04%

5.82%

6.37%

5.10%

Consumer Staples

5.17%

5.07%

4.89%

5.09%

5.01%

3.70%

Communication

4.39%

4.75%

4.99%

4.57%

5.27%

5.37%

Services

2.57%

1.99%

2.01%

2.19%

3.55%

3.87%

Technology

1.50%

1.45%

1.61%

1.64%

1.79%

Metals & Mining

0.63%

0.66%

0.78%

Materials

0.46%

0.45%

0.58%

0.56%

0.57%

0.59%

Capital Goods

0.19%

0.18%

0.12%

0.17%

0.18%

0.19%

Construction

0.07%

0.06%

0.07%

0.05%

Rating

Fund