Kotak Services Fund - Regular - Growth

Kotak Services Fund - Regular - Growth holds up reasonably well within the Sectoral category, currently carrying a 3-star rating. It has delivered steady, if unspectacular, returns over a full market cycle. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 77/100.

Cost: At 0.8105%, the expense ratio is meaningfully cheaper — about 23% below the Sectoral category average of 1.05% (based on 326 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 moderate Sharpe ratio of 0.53 — decent risk-adjusted performance, without being exceptional. Separately, annualised volatility of 13.91% is fairly typical for actively managed equity funds.

Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Equity fund. Given the Very High risk rating, this fund is not suited to short-term goals or investors who may need to exit within 2-3 years.