How does Kotak PFM ensure steady returns?

Kotak PFM adopts a diversified investment approach, balancing equity, corporate bonds, and government securities. It regularly adapts asset allocation to prevailing market conditions and subscriber risk profiles, which helps ensure stability alongside growth.

Who can invest in the Kotak NPS Fund?

Any Indian resident or Non-Resident Indian (NRI) between the ages of 18 and 65 years can open a Kotak NPS account and start investing for their retirement.

What withdrawal options are available at maturity?

Upon reaching the age of 60, investors can withdraw up to 60% of the NPS corpus tax-free. The remaining 40% must be used to purchase an annuity to ensure a steady post-retirement income; this annuity is taxable as per the applicable income tax slab.

Kotak NPS Fund

Kotak NPS Fund is a government-backed retirement savings solution managed by Kotak Mahindra, offering diverse investment options through equity, corporate bonds, and government securities for long-term financial growth. Regulated by PFRDA, it provides flexible asset allocation and a prudent fund management approach, ensuring steady and competitive returns with low costs. With Kotak's trusted expertise, the fund supports secure retirement planning tailored to different risk preferences.

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Highlights of Kotak Pension Fund NPS

Particulars	Details
Assets (Rs. in crore)	21.15
Scheme Inception Date	14-Oct-16
Top 5 holdings of Kotak Pension Fund	Embassy Office Parks REIT; Mindspace Business Parks REIT; Indus Infra Trust; Nexus Select Trust REIT; POWERGRID Infrastructure Investment Trust
Top 3 Sectors	Monetary Intermediation of Commercial Bank; Real Estate Activities; Construction & Maintenance of Motorway

Sector-wise Holdings of Kotak Pension Fund NPS

Sector	Fund (%)
Financial	31.35
Technology	18.05
Energy & Utilities	14.11
Consumer Staples	8.23
Industrials	7.87
Consumer Discretionary	7.27
Healthcare	5.94
Materials	5.55
Unspecified	1.63

Asset Allocation of Kotak Pension Fund NPS

Below is the asset allocation of Kotak Pension Fund NPS:

Particulars	Details
Equity	97.56%
Debt	0.96%
Cash & Cash Eq.	1.47%

Top Holdings of Kotak Pension Fund NPS

Company	Sector	P/E Ratio	% Assets
HDFC Bank	Financial	21.02	9.70
ICICI Bank	Financial	18.96	6.92
Reliance Industries	Energy & Utilities	23.46	5.47
Infosys	Technology	23.29	4.31
Bharti Airtel	Technology	33.97	3.91
State Bank of India	Financial	10.00	3.45
Maruti Suzuki India	Consumer Discretionary	34.37	2.96
NTPC	Energy & Utilities	13.70	2.95
Eternal	Technology	--	2.88
ITC	Consumer Staples	14.74	2.78
Power Grid Corporation Of India	Energy & Utilities	17.23	2.65
Larsen & Toubro	Industrials	31.90	2.60
Tech Mahindra	Technology	33.47	2.44
Power Fin. Corp.	Financial	5.54	2.27
Godrej Consumer	Consumer Staples	68.12	2.26
Hero Motocorp	Consumer Discretionary	21.49	2.09
Tata Consultancy	Technology	23.23	2.07
SRF	Materials	60.74	2.04
Mankind Pharma	Healthcare	57.97	2.03
Ultratech Cement	Materials	53.06	2.02
Interglobe Aviation	Industrials	32.68	2.01
Sun Pharmaceutical Industries	Healthcare	38.50	1.98
Max Healthcare Institute	Healthcare	98.42	1.93
Axis Bank	Financial	12.73	1.93
Bajaj Finance	Financial	35.49	1.82

As on 31-Jul-2025

P/E Ratio: Price-to-Earnings ratio

Returns of Kotak Pension Fund NPS

Period Invested for	Absolute Returns	Annualised Returns
1 Month	2.30%	-
3 Month	3.30%	-
6 Month	15.60%	-
9 Month	5.20%	-
1 Year	1.50%	1.50%
2 Year	36.20%	16.70%
3 Year	60.30%	17.00%
5 Year	151.70%	20.30%

Tax Treatment of Kotak Pension Fund NPS

Investments in the National Pension Scheme (NPS) are exempt from income tax. Additionally, you can claim extra tax deductions of up to ₹50,000 on your Tier 1 NPS contributions under Section 80CCD(1B) of the income tax.

FAQs

How does Kotak PFM ensure steady returns?

Kotak PFM adopts a diversified investment approach, balancing equity, corporate bonds, and government securities. It regularly adapts asset allocation to prevailing market conditions and subscriber risk profiles, which helps ensure stability alongside growth.
Who can invest in the Kotak NPS Fund?

Any Indian resident or Non-Resident Indian (NRI) between the ages of 18 and 65 years can open a Kotak NPS account and start investing for their retirement.
What withdrawal options are available at maturity?

Upon reaching the age of 60, investors can withdraw up to 60% of the NPS corpus tax-free. The remaining 40% must be used to purchase an annuity to ensure a steady post-retirement income; this annuity is taxable as per the applicable income tax slab.

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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
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^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
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^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.