Kotak Nifty 50 Index Fund - Regular Plan-Growth

Kotak Nifty 50 Index Fund - Regular Plan-Growth lags behind most of its peers in the Flexi Cap category, currently carrying a 1-star rating. Returns have been soft relative to what the category has offered — worth checking if this is a temporary phase or a longer pattern. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 40/100.

Cost: At 0.7582%, the expense ratio is meaningfully cheaper — about 11% below the Flexi Cap category average of 0.85% (based on 528 comparable funds). Lower costs compound in your favour over long holding periods.

Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.84 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 13.35% is fairly typical for Flexi Cap funds.

Who should invest: This fund is best suited to investors who want the fund manager to freely allocate across large, mid and small caps rather than being boxed into one segment. The High risk rating means near-term volatility should be expected — this isn't a fund to check daily.