Kotak Classic Opportunities Fund

The Kotak Classic Opportunities Fund is an individual fund option offered by Kotak Life Insurance under their ace investment plan options. They are unit-linked, individual life insurance plans that offer strategic investment plans to multiply wealth and build up savings for the future. They offer flexible investment options to the customers, due to which they can invest in any money market instrument suitable to them.

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The Kotak Classic Opportunity Fund is an investment option that primarily invests in the equity market and remaining in debt bonds or other money market securities. Its investments are spread across medium-large cap markets. It can allocate 100% of its assets in stocks or invest 25% of them in debts or other instruments. Due to its flexible nature, its investment strategies change according to the market's movement, fluctuations, and performance.

The Kotak Classic Opportunities Fund offers three different strategies to its investors for managing their investments:

  • Self-managed strategy – If an investor wishes to manage their investments independently, this is the ideal strategy for them. 
  • Age-based strategy – In this method, allocation of risks is done based on the investor's age and how much risk they are willing to take. It also gives the flexibility to change the allocation if an investor feels they want to reduce the risk.
  • Systematic Switching Strategy – This method allows the investor to choose how many units of their investment they want to invest in what type of securities.

It holds INR 5,14,249 lakhs (as of 31 July 2020) of assets under management (AUM), and it is an open-ended fund. The fund's significant holdings are held by Infosys Ltd., Reliance Industries Ltd., ICICI Bank Ltd., HDFC Bank Ltd., SBI ETF Nifty Bank, Tata Consultancy Services Ltd., etc.

Facts about the Fund: Table

Name of the Fund

Kotak Classic Opportunities Fund

Fund House

Kotak Life Insurance

Fund Type

Individual, unit-linked 


75-100% - equities, 0-25% - debt bonds or other money-market securities.

Inception date

16 December 2009


S&P BSE 200 India INR

Investment required

Investment in the form of premiums.

Minimum for Regular Pay – INR 30,000

Minimum for Limited Pay – INR 50,000

Investment duration

For Regular – Equal to the policy term chosen.

For Limited – 5 years for a policy term of 10 years and 10 years for a policy term of more than 10 years.

Risks involved

The fund is prone to fluctuations in the market, and the investor will bear the entire responsibility for the risks.

Investment Objective

The Kotak Classic Opportunity Fund aims at gaining or multiplying capital over a long period. For doing so, it invests in a variety and mixture of medium-large capital markets. The majority focus of the fund is investing in the equity markets. However, it can choose to invest a substantial amount of its fund in low-risk bonds or other instruments. 

The portfolio of investment of the fund, for every single investor, entirely depends upon how much risk they are willing to take. It also depends upon the performance or trends of the market. The fund's central aim is to focus on maximum capital growth. It has a highly flexible nature, due to which it can change its investment strategies according to the investor's decisions. Therefore, all decisions, strategies, etc., are made keeping in mind the best benefit of the investor. 

It is important to remember that the Kotak Classic Opportunities Fund is an investment option under the ace investment insurance plans of Kotak Life. Hence, the investments that are made are considered the premiums of the policy chosen. These premiums are invested in securities to generate the policy returns. Therefore, the investor must know that the premiums stand at a significant market risk because investment in securities is subject to fluctuations in the market. Hence, there is no guarantee that the objectives of the fund will be realized at all times.

Fund Summary

    1. Kotak Classic Opportunities Fund

      • Risk-return profile – Aggressive
      • Net Asset Value (NAV) – INR 40.386 (as of 22 June 2021)
      • Absolute returns – 52.10% (1 year)
      • 1-day return – 0.09%
    2. Fund Return Summary

      The following table shows the return summary of the Kotak Classic Opportunity Fund:


      Annualized Percentage Return

      Present value of INR 10,000 invested

      1 year


      INR 15,462

      3 year


      INR 14,622

      5 year


      INR 19,356

      10 year


      INR 36,527

  1. Pros and Cons Table



    Offers a wide range of flexible options to the investor.

    Involves risks as the investments are mainly in the equity market.

    Additional benefits can be added with an increased investment amount.

    The investor cannot withdraw any money until the fifth year.

    The dual motive of investments for future use and health policy.

    Not suitable for anyone looking for short-term investment.

    Substantial capital growth.

Benefits of the Kotak Classic Opportunities Fund:

  • Long-term capital growth: The fund helps in accumulating wealth over time. The longer an investor stays invested, the more will be their financial backup. Though the capital market has many risks, with good risk mitigation strategies, it generates promising returns.
  • Financial security: As it is a fund that can be linked to a health policy. Hence the returns it generates will be payable to the investor in the form of policy benefits. Therefore, if the family faces any uncertain circumstances, the money can provide a lot of financial relief in trying times.
  • Income source: After 5 policy years, money can be withdrawn from the fund. If the investor faces any financial difficulty, the withdrawn money can be used as income. The payouts from the fund can easily replace the income.
  • Flexibility: The best thing about the Kotak Classic Opportunity Fund is its flexible nature in all its aspects. Starting from investment strategies to how much or for how long an investor is willing to pay. The investor is even given a choice to select how much risk they are ready to take. Moreover, if the chosen strategy doesn't work out well for the investor, they can shift to other strategies conveniently. 

Fund House Details

The Kotak Classic Opportunities Fund is offered and managed by Kotak Life, India's one of the largest growing life insurance companies. Their vision is to become the best life insurers in India, and for fulfilling this, they aim at providing maximum assurance to their customers. They understand the uncertainties of life, and hence, they believe in long-term savings for families to financially secure their future as much as they can.

The experts at Kotak Life are highly professional with vast knowledge about the market. Accepting customers' changing requirements, they aim at innovating, and they strive for perfection at all levels. They treat their customers with utmost honesty. Hence, provide the best financial advice and suggest the best plans or products to them. 

Who Should Invest in Kotak Classic Opportunity Fund?

  • Investors seeking long-term goals: People who aim at investing a part of their income in building a financial backup for the future should find this fund suitable for them.
  • Investors with the knowledge of equities: It is primarily an equity fund. Therefore, anyone investing in this should have a basic understanding of the functioning of the equity market to fully understand the risks involved and how they are gaining or losing money.
  • Investors with risk tolerance: The equity market, in general, carries a high risk. That means any money invested in them is always at risk. Therefore, a person who is willing to take these risks should invest in this fund. 
  • Investors with a dual aim: This fund is a way of generating health policy returns. Hence, investing in this would mean securing one’s health financially and also multiplying savings for the future.


Therefore, Kotak Classic Opportunities Fund is an investment option that provides several flexible options to its investors to suit their requirements. The fund has been successful in generating good returns in its run in the market and financially securing many families. According to their convenience, it has given the liberty to its investors to manage their investments, hence, rapidly becoming the most sought-after fund investment option.

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


*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
~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.

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