Kotak Banking & Financial Services Fund Factsheet

Investment Objective

The investment objective of the scheme is to generate long-term capital appreciation from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services sector. However, there is no assurance that the objective of the scheme will be achieved.

Investment Objective

Investment Style

Portfolio

Issuer/Instrument		% to Net Assets

Equity & Equity related
Banks		57.06
ICICI Bank Ltd.		12.81
HDFC Bank Ltd.		10.48
STATE BANK OF INDIA		8.29
Axis Bank Ltd.		6.87
KOTAK MAHINDRA BANK LTD.		3.21
IndusInd Bank Ltd.		2.62
Ujjivan Small Finance Bank Ltd.		2.37
JAMMU AND KASHMIR BANK LTD.		2.09
KARUR VYSYA BANK LTD.		2.02
INDIAN BANK		1.98
BANK OF MAHARASHTRA		1.69
RBL Bank Ltd		1.53
SOUTH INDIAN BANK LTD.		1.09
FEDERAL BANK LTD.		0.01
Finance		24.86
BAJAJ FINANCE LTD.		6.69
SHRIRAM FINANCE LTD.		4.79
Cholamandalam Investment and Finance Company Ltd.		2.67
POONAWALLA FINCORP LTD.		2.45
Power Finance Corporation Ltd.		2.06
PIRAMAL FINANCE LTD		1.75
APTUS VALUE HOUSING FINANCE		1.51
L&T FINANCE LTD		1.44
HOME FIRST FINANCE CO INDIA		0.76
INDIA SHELTER FINANCE CORPORATION LTD		0.74
Capital Markets		11.98
BSE LTD.		2.64
SBI FUNDS MANAGEMENT LIMITED		1.98
BILLIONBRAINS GARAGE VENTURES LIMITED (GROWW)		1.79
NUVAMA WEALTH MANAGEMENT LIMITED		1.75
NIPPON LIFE INDIA ASSET MANAGEMENT LTD.		1.74
Prudent Corporate Advisory Services Ltd.		1.23
COMPUTER AGE MANAGEMENT SERVICES LIMITED		0.85
Insurance		2.74
SBI Life Insurance Company Ltd		1.92
Max Financial Services Ltd.		0.82
Financial Technology (Fintech)		0.46
ONE 97 COMMUNICATIONS LTD.		0.46
Equity & Equity Related - Total		97.10
Triparty Repo		2.85
Net Current Assets/(Liabilities)		0.05
Grand Total		100.00

Sector Allocation (%)

SIP Performance

Systematic Investment Plan (SIP) If you had invested Rs 10,000 every month
Monthly SIP of (Rs) 10000	Since Inception	3 Years	1 year
Total amount invested (₹)	4,20,000	3,60,000	1,20,000
Total Value as on July 31, 2026 (₹)	5,16,112	4,24,862	1,26,435
Scheme Returns (%)	11.83	11.08	10.14
Nifty Financial Services Index TRI Returns (%)	9.91	8.93	2.59
Alpha*	1.92	2.15	7.55
Nifty Financial Services Index TRI (₹)#	4,99,508	4,11,708	1,21,663
Nifty 50 (TRI) (₹)^	4,69,542	3,84,937	1,19,609
Nifty 50 (TRI) Returns (%)	6.33	4.41	-0.61

Scheme Inception : - February 27, 2023. The returns are calculated by XIRR approach assuming investment of Rs10,000/- on the 1st working day of every month. Since Inception returns are assumed to be starting from the inception date of the Scheme and calculated accordingly. XIRR helps in calculating return on investments given an initial and final value and a series of cash inflows and outflows and taking the time of investment into consideration. The SIP performance details provided herein are of Regular Plan - Growth Option Different plans have different expense structure. # Benchmark; ^ Additional Benchmark. TRI – Total Return Index, In terms of Para no 7.23 of SEBI Master Circular no. HO/24/13/11(1)2026-IMD-POD-1/I/7602/2026 dated March 20, 2026, the performance of the scheme is benchmarked to the Total Return variant (TRI) of the Benchmark Index instead of Price Return Variant (PRI). Alpha is difference of scheme return with benchmark return. *All payouts during the period have been reinvested in the units of the scheme at the then prevailing NAV. Source: ICRA MFI Explorer.

About Fund

Net Asset Value (NAV)

	Regular	Direct
Growth	Rs16.4160	Rs17.3100
IDCW	Rs16.4160	Rs17.3070

(as on July 31, 2026)

Available Plans/Options

A) Regular Plan B) Direct Plan
Options: Growth and Income Distribution cum capital withdrawal (IDCW) (Payout and Reinvestment)

Fund Manager*	Ms. Shibani Sircar Kurian & Mr. Abhishek Bisen
Benchmark	Nifty Financial Services Index TRI
Allotment date	February 27, 2023
AAUM	Rs1,542.25 crs
AUM	Rs1,556.24 crs
Folio count	60,215

IDCW Frequency

Trustee's Discretion

Ratios

Portfolio Turnover	29.13%
^$Beta	1.01
^$Sharpe ##	0.46
^$Standard Deviation	16.24%
^^(P/E)	16.65
^^P/BV	2.24

Source: ^$ICRA MFI Explorer, ^{^^}Bloomberg

Market Capitalisation*

Large Cap	66.20%
Mid Cap	12.98%
Small Cap	17.92%
Debt & Money Market	2.90%

*% of Net Asset

Minimum Investment Amount

Initial & Additional Investment
• Rs100 and any amount thereafter
Systematic Investment Plan (SIP)
• Rs 100 and any amount thereafter

Ideal Investments Horizon

• 5 years & above

Load Structure

Entry Load: Nil. (applicable for all plans)
Exit Load:
• For redemption / switch out within 30 days from the date of allotment: 0.5%
• If units are redeemed or switched out on or after 30 days from the date of allotment: NIL

Expense Ratio**

Regular Plan:	2.14%
Direct Plan:	0.73%

Data as on 31st July, 2026 unless otherwise specified.

Folio Count data as on 30th July 2026.

Riskometer

Fund

Benchmark : Nifty Financial Services Index TRI

This product is suitable for investors who are seeking*:

Long term capital growth
Investment in portfolio of predominantly equity & equity related securities of companies engaged in Banking & Financial Services

* Investors should consult their financial advisors if in doubt about whether the product is suitable for them.

For latest Riskometer, investors may refer to an addendum issued or updated on website at www.kotakmf.com

## Risk rate assumed to be 5.41% (FBIL Overnight MIBOR rate as on 31st July 2026). **The expense ratio disclosed above represents the Base Expense Ratio (BER), including applicable statutory levies on expenses forming part of the BER, but excludes brokerage, transaction costs and related statutory levies. For Total Expense Ratio including brokerage, transaction cost and related statutory levies please refer our website: https://www.kotakmf.com/Information/TER.
^* For Fund Manager experience, please refer 'For Regular Plan' & 'For Direct Plan'
For scheme performance, please refer 'For Regular Plan' & 'For Direct Plan'