Kotak Equity Opportunities Fund

The Kotak Equity Opportunities Fund, by its very nomenclature, suggests an equity scheme from Kotak Mutual Fund. The open-ended scheme picks predominantly large and mid-cap stocks for a steady long-term capital appreciation.  The Fund Managers strategize investment in a combination of large and mid-cap stocks across sectors based on the potential of the sector companies and their performance. The approach adopted for stock selection is bottom-up, looking for investment opportunities in prudent portfolio construction to insulate from the market trends with lower volatility.

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The Kotak Opportunities Fund’s asset allocation between the two is based on sector choice, the company’s business environment, and valuation. The objective is to maximize gains by investing in companies of different sizes. The critical features in the portfolio construction are indicative of the Fund’s philosophy. Accordingly, its composition is 40 to 60 stocks, and the top ten holdings comprise 45% of the portfolio.  

In the Kotak Opportunities Fund the investors can choose from the following plan options:

  • Kotak Equity Opportunities Fund Direct:
  • Growth Option. 
  • IDCW Option.
  • Kotak Equity Opportunities Fund Regular:
  • Growth Option. 
  • IDCW Option.

Kotak Equity Opportunity Fund Details 

Parameters 

Particulars

Fund Name 

Kotak Equity Opportunities Fund in Regular and Direct Plan Options.

Fund House 

Kotak Mahindra Asset Management Company Limited, popularly known as Kotak Mutual fund

Launch Date

9 September 2004

Scheme Category

Large and Mid-cap Fund.

Scheme Type 

Open-ended equity scheme predominantly investing in Large and Mid-Cap stocks.

AUM 

Rs.6361.75 Cr as of 31 May 2021

Benchmark

Nifty 200 (TRI)

Application Investment 

Minimum: Rs.5000

Additional: Rs. 1000 and multiples of Rs.1 after that.

SIP: Starting at minimum Rs.1000

Lock-In 

Not applicable.

Entry Load 

Not applicable 

Exit Load

Exit within one year up to 10% of the investment: Nil

Exit within one year more than 10% of the investment: 1%

Risk Grade 

Low

Return Grade

Above Average

Risk Level 

Very High 

Investment Objective

The Kotak Equity Opportunities Scheme’s investment objective is to generate long-term capital appreciation through a diversified portfolio, predominantly comprising equity and equity-related instruments of large and mid-cap companies. The investment strategy is to invest up to 70% of the assets in large and mid-cap equities and the remaining in other capitalization equities, debt and money market instruments. 

Pursuing growth at a reasonable price and staying fully invested in the Fund’s driving philosophy. The bottom-up stock selection is not restricted by market cap and sector bias to dilute the impact of market volatility. The high-risk equity fund is thus suitable for investors who seek capital growth in the time horizons over five years to reap higher yield beating inflation rate. Steady capital growth enables the investor to achieve life goals despite the pitfall of market fluctuations. 

Fund Summary

  1. Kotak Equity Opportunities Fund Regular-Growth Plan:

    • Risk Level: Very High
    • NAV: Rs.175.055 as of 18 June 2021. 
    • Expense Ratio: 1.88% as of 30 April 2021.
    • Fund Started On: 9 September 2004.
  2. Kotak Equity Opportunities Fund Direct-Growth Plan:

    • Risk Level: Very High
    • NAV: Rs.191.693 as of 18 June 2021. 
    • Expense Ratio: 0.7% as of 30 April 2021.
    • Fund Started On: 31 December 2012.

Fund Returns Summary Table:

  1. Kotak Equity Opportunities Fund Regular-Growth Plan:

    Period 

    Annualized Return %

    Absolute Returns %

    Last 1 year

    57.36

    57.36

    Last 2 years

    20.82

    46.05

    Last 3 years

    15.43

    53.85

    Last 5 years

    16.07

    110.80

    Last 10 years

    14.81

    298.41

    Since Inception

    18.60

    1650.55

    *Performance as of 18 June 2021 (NAV)

    Compounding is annualized for above one-year returns.

    Returns since inception are based on an initial unit price of Rs.10

    Benchmark is Nifty 200 (TRI)

  2. Kotak Equity Opportunities Fund Direct-Growth Plan:

    Period 

    Annualized Return %

    Absolute  Returns %

    Last 1 year

    59.25

    59.25

    Last 2 years

    22.19

    49.39

    Last 3 years

    16.71

    59.05

    Last 5 years

    17.47

    123.92

    Since Inception

    16.89

    274.56

    *Performance as of 18 June 2021 (NAV)

    Compounding is annualized for above one-year returns.

    Returns since inception are based on an initial unit price of Rs.10

    Benchmark is Nifty 200 (TRI)

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Pros and Cons Of Kotak Equity Opportunities Fund 

Pros 

Cons

The asset ideally appreciates a long time horizon to beat inflation.


The Fund is liquid and readily repurchased at applicable NAV. 


The Fund focuses on a mix of large and mid-cap stocks to outperform the benchmark index. 

The investor has to park Funds in the scheme for five years and above for healthy wealth creation. 



.

Benefits of Kotak Equity Opportunities Fund

The Kotak Equity Opportunities Fund is promoted by Kotak Mutual Fund, endowing it with process-backed investments, helping the investor achieve long-term financial goals. Some of the critical benefits accrued for investing in the Fund are:

  1. Convenience

    The investor has an eclectic choice to purchase units in the Kotak Opportunities Fund from the AMC or a robust distributor network. Additionally, the investor can look for the Growth or IDCW options matching individual preferences. The initial investment amounts are as low as Rs.5000 for a lump sum and Rs.1000 for the SIP facility. 

  2. Transparency

    Disclosure of the NAV daily is stipulated by SEBI. Accordingly, the Kotak AMC computes the NAV daily at the end of the business day and puts it in the public domain in their official portal and AMFI for good measure. Any deviation from the described norm invites explanations. 

  3. Liquidity

     The Kotak Opportunities Fund is an open-ended scheme allowing redemption and switching facility every business day based on the applicable NAV. As per SBI guidelines, the AM must dispatch the redemption proceeds within ten days or pay an interest of 15% per annum for the delayed period. 

  4. Tax Impact

    The tax impact in the Kotak Opportunities Fund is determined by the investor’s plan choice. The tax treatment is different for the Growth and IDCW options:

    • Capital Gains: In the Growth option, the shareable revenue is reinvested. The earnings are available only when redeemed. 
      1. Units redeemed after one year from the purchase date

        • Up to Rs.1 Lac in a financial year: Nil
        • Over Rs.1 lac in a financial year: 10%.
      2. Units redeemed within one year from the purchase date

        • The entire amount received: 15%
    • Dividend: The amount is added to the investor’s gross income for income tax at the applicable slab rate. TDS at 10% is applied to a Dividend above Rs.5000 before disbursal. 

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Fund House Details

Kotak Mahindra Asset Management Company Limited is a subsidiary of Kotak Mahindra Bank Limited and a conglomerate with a robust presence in India’s Financial Services sector. The Kotak Mutual Fund was established in 1998 and had since been operating out of headquarters in Mumbai. Today, it has emerged as the first-largest Fund House in the country with an AUM Rs.3.14 Lac Cr catering to over 7.4 million investors in various risk profiles. Its 7.5 million accounts are served by 86 branch offices across India and supported by a strong network of 50000 impanelled distributors.  The Fund House promotes the largest Indian Equity Fund, with an AUM of Rs.35000 Cr. 

Who Should Invest in Kotak Equity Opportunities Fund?

Since the Kotak Equity Opportunities scheme aims to generate long-term appreciation, it suits investors with a matching risk profile and time horizon to harvest higher yields. Accordingly, the indicative list below describes who can apply to the Fund.

  • Resident, NRI, or PIO adults in single or joint accounts.
  • Minor account operated by the natural or legal guardian.
  • Companies and Corporate Bodies in the Private and Public Sector. 
  • Banks and Financial Institutions. 
  • Other Mutual Fund Schemes. 

Conclusion

The Kotak Equity Opportunities Fund offers the investors long-term capital appreciation through investments in large and mid-cap company stocks. The diverse portfolio delivers sustained returns counterbalancing any losses due to market volatility. The Fund is suitable for high-risk profile investors willing to stay invested for higher returns in time horizons exceeding five years.

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