Kotak Emerging Equity Fund

Kotak Emerging Equity Fund invests in equity-related securities predominantly in mid-cap companies. A small percentage of the investment fund is also invested in the money market instruments and debt securities. It has a low expense ratio generating more income and aiming to create more wealth for the investors.

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Types of Funds

Kotak Emerging Equity Fund has two plans:

  • Direct plan: Individuals invest in the fund independently without consulting any intermediary or distributor. It reduces the expense ratio and increases the returns.

  • Regular plan: Distributors or intermediaries advise investors on investment, resulting in increased expense ratio and reduced returns.

Both plans offer a growth plan scheme and Income Distribution cum Capital Withdrawal (IDCW) option. The fund declares dividends after the set periods. After dividends are declared, investors can withdraw the money or choose to reinvest in the fund. 

There is also a default option under which funds do not declare dividends for the investors but reinvest them in the fund. 

Kotak Emerging Equity Fund Facts

Scheme Type

Open-ended equity fund

Allotment Date

30 March 2007

Benchmark

Nifty Midcap 100 TRI

Risk Level

Moderate high risk

Entry Load

Nil

Exit Load

  • 1% exit load: If the units are redeemed or switched within one year of the date of allotment 

  • No exit load: If units are redeemed or switched after one year of the date of fund allotment. In the case of bonus units, investors are not required to pay any exit load on redeeming or switching.

Lock-in period

NA

AUM as of October 31, 2021

Rs. 16.48 crores

Expense ratio

Regular: 1.77% (As of 31st October 2021) Direct: 0.52 (As of 31st October 2021)

Fund Manager

Mr Pankaj Tibrewal since January 2013

Standard Deviation

24.17

Trustee Company

Kotak Mahindra Trustee Co. Ltd

Mutual Fund^^

Kotak Mahindra Mutual Fund

Asset Management Company

Kotak Mahindra Fund

Minimum Redemption Size in Rupees

Rs 1000

NAV (as of 28th November 2021)

Rs 70.53 Crores

Investment Size

Minimum investment of Rs. 5000 and thereafter Rs. 1000 for additional purchases. 

Liquidity

Investors can redeem or switch between unit funds after the declaration of the dividends or by putting the request of redeeming to the fund. 

Amount gets disbursed usually after 3-4 business days depending upon the amount. 

The amount will depend upon the NAV of the fund at the time of the request

Investment Objective

The prime objective of the Kotak Emerging Equity Fund is to create wealth for investors in the long run. It also seeks to generate income by majorly investing in the equity market and equity-related securities. The remaining funds are allotted to the debt securities and other money-making instruments. 

You must note that the fund does not guarantee that the investment objective will be achieved at the time of maturity. 

Fund Summary

  1. Kotak Emerging Equity Fund – Regular Plan 

    For the Growth option

    • NAV: Rs. 70.530 Crore as of 26th November 2021

    • Expense Ratio: 1.77%

    For the IDCW option

    • NAV: Rs. 38.73 Crore as of 26th November 2021

    • Expense Ratio: 1.77%

  2. Kotak Emerging Equity Fund– Direct Plan 

    For the Growth option

    • NAV: Rs. 70.30 Crore as of 26th November 2021

    • Expense Ratio: 0.52%

    For the IDCW option:

    • NAV: Rs. 46.65 Crore as of 26th November 2021

    • Expense Ratio: 0.52%

Fund Return Summary 

Tenure

CAGR Percentage

Point to Point Return* on Standard Investment of Rs. 10,000

1 Year

52.66%

15,307.30

3 Years

22.91%

19,692.30

5 Years

17.52%

23,773.10

Since Inception

19.08%

70,530.00

*Returns are subject to change. The investment risk in the investment portfolio is borne by the policyholder.

Pros and Cons

Pros

Cons

Kotak Emerging Equity Fund has a low expense ratio generating more returns for the investors. 

Equity funds and equity market-related securities make it a high-risk category fund.

The fund also invests in debt securities and other money-making instruments. 

Debt securities generate low income compared to equity funds.

A good option for long-term investments.

It is not suitable for short-term goals. 

The fund has been active for a decade, making it a more experienced investment choice. 

Benefits of the Kotak Emerging Equity Fund

Some benefits of the fund are:

  • Experienced fund: Kotak Emerging Equity Fund was established in 2007, giving fund management investment experience of the market. The fund has also catered to many international clients during its 15 plus years of service.

  • Long-term investment: Kotak Emerging Equity Fund invests in mid-cap companies for a longer duration as they can withstand the market's volatility. This brings better returns for the investors.

  • Asset benefit: Equity funds have the potential to adjust themselves with the inflation rates. It means the returns and the units that you purchase now will grow your wealth in the long term.

  • Asset allocation: Kotak Emerging Equity Fund also invests in debt securities, ensuring a certain guarantee on your investment. It is because debt securities carry very low or medium risks.

Who Should Invest in the Kotak Emerging Equity Fund?

Following people should invest in the Kotak Emerging Equity Fund: 

  • If you have a high-risk appetite, you should consider investing in Kotak Emerging Equity Fund. 

  • People who have long-term financial goals can invest in it. 

  • People who don't mind investing in equity funds and equity market-related securities can invest in this fund. 

  • If you wish for better returns along with a small guarantee on your capital, then you should invest in the Kotak Emerging Equity Fund. 

FAQ's

  • Q. What are the tax implications on the Kotak Emerging Equity Fund?

    A. There are no tax rebates on the income generated by the Kotak Emerging Equity Fund. You will be taxed at 15% if you sell units within one year of fund allocation. If you sell units after one year, the income over Rs. 1 lac is exempted from the tax. The amount exceeding Rs. 1 lac will be taxed at a 10% tax slab. Dividend returns are counted as the income and will be taxed as per the tax slab of your income tax slab. 
  • Q. What is the ideal term duration for investing in Kotak Emerging Equity Fund?

    A. Experts advise that to get better returns on the Kotak Emerging Equity Fund, the capital should be invested for 3 or more than 3 years.
  • Q. How do I track my investment in the Kotak Emerging Equity Fund?

    A. You can get updates about your investment status either through the intermediary or your distributor. You can also visit various websites or the official website of the Kotak Emerging Equity Fund to track the fund's performance.
  • Q. What are the risks involved in mutual funds?

    A. In mutual funds, risks are of several types. There can be market, price, company, or sector-specific risk. Mutual funds invest in stocks or shares of a company. If the company's shares lose money, it becomes a risk for the investors that consequently lose their invested capital.

*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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