Kotak Small Cap Fund

The Kotak Small Cap Fund is a small-cap open-ended equity scheme. It works under the Kotak Mahindra Mutual Fund house. It aims to generate long-term capital appreciation by investing in small-cap stocks with growth potential. Investment is made in a diversified portfolio of equity and equity-related market securities.

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Fund in Brief

The Kotak Small Cap Fund has adopted a growth-oriented investment style. Under this, the fund invests assets in many different market caps. It is done so that the fund performs well in every situation, even when a particular market cap is not doing well. 

Investments are made in large, medium, and small-cap companies with majority in small-cap stocks that have higher growth potential.

The gains from these investments are taxable under the IT Act. If the investor redeems their units within 12 months, the gains would be taxed at 15%. If units are redeemed after 12 months, gains up to Rs. 1 lac are tax-free. If gains exceed Rs. 1 lac, they are taxed at 10%. 

The investor's dividend income is added to their overall income and tax is levied as per their tax slabs. If the dividend income is more than Rs. 5,000 in a financial year, 10% TDS is deducted by the fund house.

Kotak Small Cap Fund Facts

The following table shows some important facts about the Kotak Small Cap Fund:

Fund House

Kotak Mahindra Mutual Fund

Asset Management Company

Kotak Mahindra Asset Management Company Ltd.

Trustee Company

Kotak Mahindra AMC Trustee Company Ltd.

Fund Type

Open-ended

Launch Date

February 24th, 2005

Benchmark 

NIFTY Smallcap 100 TRI

Risk Rating

Very high

CAGR since inception

18.04%

Assets (as on October 31st, 2021)

Rs.6,180 crores

NAV (as on November 29th, 2021)

Rs.161.494

Risk Grade

Below average

Return Grade

High

Entry Load

N.A.

Exit Load

If units are redeemed within 365 days of allotment:

Redeemed units more than 10% of the investment, 1% charge

Minimum Investment Amount

Rs. 5,000

Investment Objective

The Kotak Small Cap Fund is an open-ended equity scheme that invests in small companies with greater growth potential. The fund's investment objective is to generate capital through portfolio diversification by investing in equity and equity-related instruments. The investments are majorly done in the small market cap companies across different sectors. 

The fund has a 95.11% investment in Indian stocks. Out of the total, the fund has invested 2% in large-cap stocks, 11.79% in mid-cap stocks, and 70.9% in small-cap stocks. The fund performs on the benchmark of the NIFTY Smallcap 100 Total Return Index. 

Fund Summary

The Kotak Small Cap Fund has two types of plans for investors to choose from. Given below are the basic details about the plans.

  1. Kotak Small Cap Fund Regular Plan

    This plan is suitable for those investors who purchase units through a distributor. The basic details of this plan are as follows:

    • NAV (as of November 29th, 2021): Rs 161.494

    • Expense Ratio: 1.96%

    • CAGR since inception: 18.04%

  2. Kotak Small Cap Fund Direct Plan

    This plan is meant for investors buying the units directly from the fund. The basic details of the plan are as follows:

    • NAV (as of November 29th, 2021): Rs.181.067

    • Expense Ratio: 0.47%

    • CAGR since inception: 22.11%

Fund Return Summary

The following table shows the fund return summary of the Kotak Small Cap Fund for the Regular Plan:

Investment Period

Absolute Returns*

Annualized Returns*

1 week

-3.49%

-

1 month

0.66%

-

3 month

10.49%

-

6 month

24.14%

-

YTD

65.88%

-

1 year

82.68%

82.68%

2 year

130.20%

51.64%

3 year

143.86%

34.56%

5 year

176.87%

22.56%

10 year

654.04%

22.36%

Since Inception

1521.14%

18.04%

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

The following table shows the fund return summary of the Kotak Small Cap Fund for the Direct Plan:

Investment Period

Absolute Returns*

Annualized Returns*

1 week

-2.71%

-

1 month

0.03%

-

3 month

8.12%

-

6 month

21.90%

-

YTD

65.20%

-

1 year

77.44%

76.89%

2 year

130.94%

51.88%

3 year

148.33%

35.38%

5 year

188.46%

23.59%

Since Inception

493.33%

22.11%

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

Pros and Cons

The following table shows the pros and cons of the Kotak Small Cap Fund:

Pros

Cons

3 year and 5 year annualized returns are higher than the category average.

1 year annualized returns are lower than the category average.

The fund does not charge an entry load.

The fund charges an exit load.

The expense ratio of the fund is low.

The fund's risk rating is very high.

The fund has two plan options for investors.

Investment in small-cap funds is more volatile.

The fund has a 5-star CRISIL rank.

The fund is only suitable for seasoned investors with a high-risk appetite.

The fund charges a very small stamp duty.

Who should invest in the Kotak Small Cap Fund?

The Kotak Small Cap Fund is suitable for:

  • Investors who are willing to invest money for at least 3-4 years.

  • Investors who have a high-risk appetite due to the high volatility of the fund.

  • Investors who want consistently high returns over a long period.

  • Investors who are experienced in small-cap investments.

FAQ's

  • Q. What is the SIP return summary of the Kotak Small Cap Fund?

    A. The following table shows the SIP return summary of the Kotak Small Cap Fund:
    Investment Period Investments  Latest Value Absolute Returns Annualized Returns
    1 year 12,000 15,585.9 29.88% 59.21%
    2 year 24,000 44,040.42 83.5% 71.04%
    3 year 36,000 72,224.4 100.62% 50.78%
    5 year 60,000 1,25,918.1 109.86% 30.13%
    10 year 1,20,000 4,11,061.08 242.55% 23.26%
  • Q. What are the top 10 holdings of the Kotak Small Cap Fund?

    A. The following table shows the top ten holdings of the Kotak Small Cap Fund and the percentage of assets invested in them.
    Holdings Percentage of Assets
    Century Plyboards (India) 5.69%
    Carborundum Universal 4.25%
    Sheela Foam 3.88%
    Persistent Systems 3.36%
    Galaxy Surfactants 3.31%
    Supreme Industries 3.20%
    Ratnamani Metals and Tubes 3.12%
    Blue Star 3.07
    Somany Ceramics 2.94%
    Amber Enterprises 2.63%
  • Q. What is the sector allocation under Kotak Small Cap Fund?

    A. The following table shows the sector allocation of the Kotak Small Cap Fund:
    Sector  Allocation
    Consumer Goods 25.79%
    Industrial Manufacturing 15.92%
    Chemicals 8.66%
    Construction 6.49%
    Information Technology 6.17%
    Metals 6.12%
    Automobile 4.88%
    Cash & Cash Equivalent 4.71%
    Financial Services 4.7%
    Services  4.39%
  • Q. Who manages the Kotak Small Cap Fund?

    A. Mr Pankaj Tibrewal manages the Kotak Small Cap Fund. He has experience in managing funds with Principal Asset Management Company before joining Kotak Asset Management Company.
  • Q. What is the turnover of the Kotak Small Cap Fund?

    A. The turnover of the Kotak Small Cap Fund is 11.65%.
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