Kotak SIP Plans

Top Kotak SIP Plans in India in 2026

You can learn the best SIP plans offered by Kotak Mutual Fund from the following table:

Details of Kotak SIP Plans

1. Kotak Gold Fund Direct-Growth

   This fund aims to give returns by investing mainly in the Kotak Gold Exchange Traded Fund. It is suitable for investors who want gold exposure without buying physical gold.

   Parameters	Details
   Fund Name	Kotak Gold Fund Direct-Growth
   NAV	₹ 64.26 (as on 21st August, 2026)
   AUM	₹6,422.39 Crs
   Expense Ratio	0.14%
   Return 5 Years	26.09%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at high risk
   Launch Date	1st January, 2013
   Asset Allocation	Others: 1.64%, Commodities: 98.36%
   Top Sectors	NA
   Top Holdings	Kotak Gold ETF Repo Net Payables
   Fund Managers	Abhishek Bisen Jeetu Valechha Sonar
   Fund Type	Open-ended

2. Kotak Multicap Fund Direct - Growth

   This fund focuses on long-term capital growth by investing in companies across all market sizes — large-cap, mid-cap, and small-cap.

   Parameters	Details
   Fund Name	Kotak Multicap Fund Direct-Growth
   NAV	₹ 21.74 (as on 21st August, 2026)
   AUM	₹28,074.19 Crs
   Expense Ratio	0.68%
   Return 5 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	29th September, 2021
   Asset Allocation	Equity: 97.72%, Debt: 0.33%, Others: 1.95%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Maruti Suzuki India Ltd ITC Ltd State Bank of India Hero Motocorp Ltd Indusind Bank Ltd Indus Towers Ltd Shriram Transport Finance Company Ltd Radico Khaitan Ltd NTPC Ltd Repo
   Fund Managers	Abhishek Bisen Devender Singhal
   Fund Type	Open-ended

3. Kotak Pioneer Fund Direct - Growth

   This fund aims for capital appreciation by investing in companies working on new ideas, emerging technologies, and disruptive business models. It can also invest in global funds and ETFs that follow similar themes.

   Parameters	Details
   Fund Name	Kotak Pioneer Fund Direct-Growth
   NAV	₹ 39.81 (as on 21st August, 2026)
   AUM	₹3,873.02 Crs
   Expense Ratio	0.62%
   Return 5 Years	17.67%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	31st October, 2019
   Asset Allocation	Equity: 95.99%, Others: 4.01%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	IShares NASDAQ 100 UCITS ETF Repo Zomato Ltd Aster DM Healthcare Ltd Bharti Hexacom Ltd. Interglobe Aviation Ltd Maruti Suzuki India Ltd ICICI Bank Ltd Lenskart Solutions Ltd. UNO Minda Ltd
   Fund Managers	NA
   Fund Type	Open-ended

4. Kotak Midcap Fund Direct-Growth

   This fund aims to grow wealth over the long term by investing mainly in mid-cap companies with strong growth potential.

   Parameters	Details
   Fund Name	Kotak Midcap Fund Direct-Growth
   NAV	₹ 172.90 (as on 21st August, 2026)
   AUM	₹67,611.00 Crs
   Expense Ratio	0.51%
   Return 5 Years	18.61%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	1st January, 2013
   Asset Allocation	Equity: 98.11%, Debt: 0.2%, Others: 1.68%
   Top Sectors	Diversified Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	GE T&D India Ltd Fortis Healthcare Ltd Mphasis Ltd Ipca Laboratories Ltd Dixon Technologies (India) Ltd Vishal Mega Mart Ltd. Kei Industries Ltd Swiggy Ltd. JK Cement Ltd Indian Bank
   Fund Managers	NA
   Fund Type	Open-ended

5. Kotak Infrastructure and Economic Reform Fund Direct-Growth

   This fund looks for long-term growth by investing in companies that benefit from India’s infrastructure expansion and economic reform initiatives.

   Parameters	Details
   Fund Name	Kotak Infrastructure and Economic Reform Fund Direct-Growth
   NAV	₹ 84.86 (as on 21st August, 2026)
   AUM	₹2,446.83 Crs
   Expense Ratio	0.82%
   Return 5 Years	21.06%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	1st January, 2013
   Asset Allocation	Equity: 99.72%, Others: 0.28%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Materials Real Estate Technology
   Top Holdings	Larsen & Toubro Ltd Reliance Industries Ltd Bharti Airtel Ltd Indus Towers Ltd Shree Cement Ltd Solar Industries India Ltd Kalpataru Power Transmission Ltd VST Tillers Tractors Ltd Ultratech Cement Ltd Cummins India Ltd
   Fund Managers	NA
   Fund Type	Open-ended

6. Kotak Manufacture in India Fund Direct - Growth

   This fund aims to grow your investment by investing in companies involved in manufacturing activities across India, supporting the “Make in India” theme.

   Parameters	Details
   Fund Name	Kotak Manufacture in India Fund Direct-Growth
   NAV	₹ 24.08 (as on 21st August, 2026)
   AUM	₹2,803.90 Crs
   Expense Ratio	0.75%
   Return 5 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	22nd February, 2022
   Asset Allocation	Equity: 96.48%, Debt: 0.62%, Others: 2.9%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Healthcare Materials Technology
   Top Holdings	Repo Mahindra & Mahindra Ltd Sun Pharmaceutical Industries Ltd Reliance Industries Ltd Tata Steel Ltd Maruti Suzuki India Ltd Rubicon Research Ltd. Hindalco Industries Ltd Hero Motocorp Ltd TVS Motor Company Ltd
   Fund Managers	Abhishek Bisen Harsha Upadhyaya
   Fund Type	Open-ended

7. Kotak Contra Fund Direct-Growth

   This fund follows a contrarian approach by investing in undervalued stocks that have long-term potential but may currently be out of favour in the market.

   Parameters	Details
   Fund Name	Kotak Contra Fund Direct-Growth
   NAV	₹ 185.72 (as on 21st August, 2026)
   AUM	₹5,331.37 Crs
   Expense Ratio	0.77%
   Return 5 Years	16.24%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	1st January, 2013
   Asset Allocation	Equity: 97.99%, Others: 2.01%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd State Bank of India Infosys Ltd Reliance Industries Ltd Hero Motocorp Ltd Shriram Transport Finance Company Ltd Tech Mahindra Ltd Maruti Suzuki India Ltd Bharti Airtel Ltd
   Fund Managers	NA
   Fund Type	Open-ended

8. Kotak Large & Midcap Fund Direct-Growth

   This fund aims for capital appreciation by investing mainly in large-cap and mid-cap companies, offering a balance of stability and growth.

   Parameters	Details
   Fund Name	Kotak Large & Midcap Fund Direct-Growth
   NAV	₹ 413.72 (as on 21st August, 2026)
   AUM	₹31,262.73 Crs
   Expense Ratio	0.66%
   Return 5 Years	15.37%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	1st January, 2013
   Asset Allocation	Equity: 98.5%, Debt: 0.34%, Others: 1.16%
   Top Sectors	Materials Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Real Estate Technology
   Top Holdings	HDFC Bank Ltd State Bank of India Bharat Electronics Ltd Zomato Ltd ICICI Bank Ltd Repo Infosys Ltd Coromandel International Ltd Axis Bank Ltd BSE Ltd
   Fund Managers	NA
   Fund Type	Open-ended

9. Aditya Birla Sun Life Special Opportunities Fund Direct-Growth

   This fund seeks long-term growth by investing in companies that are in special situations, such as corporate actions, restructuring, or unique business opportunities.

   Parameters	Details
   Fund Name	Aditya Birla Sun Life Special Opportunities Fund Direct-Growth
   NAV	₹ 31.24 (as on 21st August, 2026)
   AUM	₹1,165.72 Crs
   Expense Ratio	1.26%
   Return 5 Years	16.11%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	23rd October, 2020
   Asset Allocation	Equity: 97.66%, Others: 2.34%
   Top Sectors	Materials Real Estate Technology Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare
   Top Holdings	Bharti Airtel Ltd Aditya Infotech Ltd. Reverse Repo ICICI Bank Ltd Infosys Ltd Shriram Transport Finance Company Ltd Bank of Maharashtra Fortis Healthcare Ltd Billionbrains Garage Ventures Ltd. Axis Bank Ltd
   Fund Managers	Dhaval Joshi Dhaval Gala
   Fund Type	Open-ended

10. Kotak Business Cycle Fund Direct - Growth

    This fund aims for long-term returns by investing in sectors and companies based on where they stand in different phases of the business cycle. It uses active sector rotation to benefit from changing economic conditions.

    Parameters	Details
    Fund Name	Kotak Business Cycle Fund Direct-Growth
    NAV	₹ 18.60 (as on 21st August, 2026)
    AUM	₹3,302.30 Crs
    Expense Ratio	0.81%
    Return 5 Years	N/A
    Minimum Investment	SIP ₹1000 & Lumpsum ₹100
    Risk Level	Principal at very high risk
    Launch Date	28th September, 2022
    Asset Allocation	Equity: 99.33%, Others: 0.67%
    Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
    Top Holdings	ICICI Bank Ltd Aditya Infotech Ltd. Axis Bank Ltd Aster DM Healthcare Ltd Bharti Hexacom Ltd. Krishna Institute Of Medical Sciences Ltd Repo Zomato Ltd Vishal Mega Mart Ltd. HDFC Bank Ltd
    Fund Managers	Abhishek Bisen Harish Bihani
    Fund Type	Open-ended

Key Information About Kotak Mutual Fund

The following table shows the key information about the Kotak Mutual Fund based on the latest2026 data:

Key Benefits of Kotak SIP Investment

The key benefits of investing in Kotak Bank SIP plans are as follows: 

• Flexible start amount: You can begin a Kotak SIP with as little as ₹100, which makes it ideal for beginners and small investors.
• Wide choice of funds: Kotak offers many options such as large-cap, mid-cap, small-cap, multi-cap, thematic, hybrid, and debt funds. This makes it easy to choose a plan that fits your goals, risk level, and investment duration.
• Lower cost with direct plans: Direct-growth plans come with a lower expense ratio. This helps you earn better net returns over the long term.
• Encourages discipline: SIPs help you invest regularly without worrying about timing the market, which is very useful during market ups and downs.
• Strong long-term growth potential: Funds like mid-cap, multicap, and thematic plans have the potential to give higher returns over 5–10 years compared to traditional options like savings accounts or FDs (though they carry equity risk).
• Flexible and liquid: Most Kotak funds allow you to redeem your money whenever needed. Some funds may have exit loads or specific rules, but overall liquidity is good for investors.

How to Choose the Correct Kotak SIP Plans?

Consider the following key points to choose the right Kotak SIP Plan for you:

• Define your financial goals: Short-term (1–3 yrs), medium-term (3–7 yrs) or long-term (7+ yrs). For long-term wealth creation, equity SIPs (mid-cap, multicap) work better.
• Risk tolerance: If you can handle market swings — go for mid-cap or thematic funds (higher risk, higher return). If you prefer stability — large & mid-cap or multicap gives balance.
• Investment horizon: Equity funds need at least 5 years horizon (preferably 7–10 yrs) to smooth volatility.
• Diversify across funds: Don’t put all money in one fund/scheme — mix large-cap, mid-cap, multicap or debt/hybrid (based on age, risk).
• Costs & expense ratio: Prefer Direct-Growth plan — lower expense ratio gives better long-term returns.
• Fund manager & track record: For older funds with long history — assess past performance, consistency. For newer/thematic funds — check AUM, volatility.
• Exit load & liquidity: For thematic or sectoral funds — check exit load or conditions before investing.

Kotak SIP Calculator Online

A Kotak SIP Calculator is a helpful tool offered by Kotak AMC and many mutual fund platforms. You just enter your monthly SIP amount, the expected return rate, and how long you want to invest. The calculator then shows you the estimated future value of your investment. This makes it easier to plan your goals.

Conclusion

Kotak SIP plans give you a simple, flexible, and affordable way to invest for long-term goals. Kotak offers many types of funds, including mid-cap, multicap, and thematic options, so you can choose based on your risk level and time horizon. If you invest regularly through SIPs, pick direct-growth plans, and stay invested for 5–10 years, you have a good chance of building strong wealth. Just make sure your fund matches your financial goal, keep your investments diversified, and review your portfolio from time to time.