Kotak NPS Fund

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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.

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

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

FAQs

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.

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

Particulars	Details
Equity	97.56%
Debt	0.96%
Cash & Cash Eq.	1.47%

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%

Highlights of Kotak Pension Fund NPS

Sector-wise Holdings of Kotak Pension Fund NPS

Asset Allocation of Kotak Pension Fund NPS

Top Holdings of Kotak Pension Fund NPS

Returns of Kotak Pension Fund NPS

Tax Treatment of Kotak Pension Fund NPS

FAQs

How does Kotak PFM ensure steady returns?

Who can invest in the Kotak NPS Fund?

What withdrawal options are available at maturity?

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