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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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Peaceful Post-Retirement Life
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Tax Free Regular Income
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Wealth Generation to beat Inflation
- 4.8++ Rated
- 13.2 Crore Registered Consumer
- 53 Partners Insurance Partners
- 6.29 Crore Policies Sold
We are rated++
13.2 Crore
Registered Consumer
53
Insurance Partners
6.29 Crore
Policies Sold
Start Investing ₹10k/Month & Build a corpus of ₹1 Crore# on Retirement
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
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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
*All savings are provided by the insurer as per the IRDAI approved insurance
plan.
^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.
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^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.