Kotak Mahindra Bank SIP Plan

Kotak Mahindra Bank SIP Plans allow you to invest a fixed amount in mutual funds^{^^} or other fund schemes regularly. It's like a deposit for your future. These plans are great for beginners because you can start and benefit from rupee-cost averaging, which helps reduce investment risk over time.

SIP Insurance Plan Benefits

Start SIP with as low as ₹1000

No hidden charges

Save upto ₹46,800 in Taxunder section 80C^{^}

Zero LTCG Tax^¶

Disciplined & worry-free investing

Insurance Companies
Mutual Funds

Fund Name	3 Years	5 Years	10 Years
	Returns
Virtue II PNB Metlife	18.68%	25.83%	16.48% View Plan
Pure Equity Birla Sun Life	17.56%	21.84%	15.07% View Plan
Large Cap Equity Fund Tata AIA	18.45%	21.82%	14.88% View Plan
Grow Money Plus Fund Bharti AXA	14.74%	18.58%	14.12% View Plan
Pure Stock Fund Bajaj Allianz	17.34%	20.53%	14.04% View Plan
Diversified Equity Fund HDFC Standard	14.77%	17.79%	13.96% View Plan
Growth Super Fund Max Life	15.5%	17.5%	12.83% View Plan
Equity Fund SBI	14.88%	16.53%	12.1% View Plan
Bluechip Fund ICICI Prudential	13.23%	15.89%	11.33% View Plan
Growth Plus Fund Canara HSBC Oriental Bank	12.92%	13.89%	10.36% View Plan

Updated as of Dec 2024

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Fund Name	3 Years	5 Years	10 Years
	Returns
Active Fund QUANT	24.92%	31.48%	21.87%
Flexi Cap Fund PARAG PARIKH	20.69%	26.41%	19.28%
Large and Mid-Cap Fund EDELWEISS	22.34%	24.29%	17.94%
Equity Opportunities Fund KOTAK	24.64%	25.01%	19.45%
Large and Midcap Fund MIRAE ASSET	19.74%	24.32%	22.50%
Flexi Cap Fund PGIM INDIA	14.75%	23.39%	-
Flexi Cap Fund DSP	18.41%	22.33%	16.91%
Emerging Equities Fund CANARA ROBECO	20.05%	21.80%	15.92%
Focused fund SUNDARAM	18.27%	18.22%	16.55%

Updated as of Dec 2024

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SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

/Month

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Total Wealth ₹22.4 L

View Plans

I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

19.3%

High Growth Fund

15.61%

Accelerator Mid-Cap Fund II

15.48%

Opportunities Fund

Best SIP Plans in 2025

	Returns
Fund Name	3 Years	5 Years	10 Years
Top 200 Fund TATA AIA	25.81%	27.49%	21.65%
Virtue II PNB METLIFE	24.47%	23.35%	19.37%
Pure Equity BIRLA SUN LIFE	21.79%	19.59%	18.46%
Growth Opportunities Plus Fund BHARTI AXA	17.41%	18.75%	18.22%
Pure Stock Fund BAJAJ ALLIANZ	18.6%	17.6%	17.82%
Blue Chip Fund HDFC STANDARD	12.63%	15.02%	15.28%
Growth Super Fund MAX LIFE	12.81%	15.16%	14.69%
Equity Fund SBI	13.65%	15.04%	14.38%
Multi Cap Growth Fund ICICI PRUDENTIAL	14.97%	14.08%	14.17%
Equity II Fund CANARA HSBC ORIENTAL BANK	12.23%	12.78%	12.45%

What are SIPs?

Systematic Investment Plans, or SIPs, offer a convenient and disciplined approach to investing in funds. Instead of investing a lump sum, SIPs allow you to invest a fixed amount of money at regular intervals, usually monthly or quarterly. This makes investing more accessible, even for those with a limited budget. It enables the investors to select the best category of investment and choose the best SIP plans and schemes to make the investments of their fund in a given time. The regular interval in an SIP could be monthly, quarterly, or annually. However, the prescribed interval varies weekly, monthly, and quarterly in the Kotak SIP investment plan. You can decide the amount and frequency of your investment by using an SIP Calculator online and achieve your goal.

start-an-sip-today-watch-your-money-grow

Different Types of Kotak SIP Plans

Type of SIP	Description	Suitable for
Regular SIP	Invest a fixed amount at regular intervals (monthly, quarterly, etc.)	Beginners, disciplined investors
Top-up SIP	Gradually increase the SIP amount at predetermined intervals	Investors with increasing income, long-term goals
Flexible SIP	Invest different amounts, offering flexibility to adjust based on cash flow	Investors with irregular income
Trigger SIP	Automatically adjust SIP amount based on pre-defined triggers (e.g., market fluctuations)	Advanced investors comfortable with automation
Perpetual SIP	Invest continuously until stopped manually	Long-term investors with a set-and-forget approach

How Does the Kotak SIP Plan Work?

Kotak SIP Plan functions like any other Systematic Investment Plan (SIP). Here's how it works:

Choose a Fund Scheme: Kotak offers a variety of mutual funds and other fund schemes across different asset classes (equity, debt, hybrid). Pick the one that aligns with your investment goals and risk appetite.
Set Up Your SIP: Decide how much you want to invest regularly (minimum can be Rs. 500 with Kotak) and how often (monthly, quarterly, etc.).
Automatic Deduction: Kotak will automatically deduct the SIP amount from your linked bank account at the chosen frequency.
Purchase Fund Units: The deducted amount is used to purchase units of your chosen fund scheme. The number of units you receive depends on the prevailing Net Asset Value (NAV) of the scheme.
Rupee-Cost Averaging: By investing regularly, you purchase units at different NAVs, which helps average out the overall cost per unit. This is beneficial over time, especially in volatile markets.

**The Kotak Bank SIP interest rate for the Kotak SIP plans generally varies from 9 to 18% annually. The interest rate is subject to increase or decrease, depending on the market.

How to Choose the Correct Kotak SIP Plans?

Here's how to choose the right Kotak SIP Plan:

Define your goals: Determine your short-term and long-term financial objectives before selecting a Kotak SIP plan.
Risk Tolerance: Can you handle market fluctuations or prefer stability.
Investment horizon: Consider the duration of your investment horizon. Kotak SIP plans offer flexibility in investment tenures.
Consider Diversification: Diversify your investment portfolio by selecting Kotak SIP plans across different asset classes and sectors.
Review Costs and Charges: Understand the fees, expenses, and charges associated with Kotak SIP plans. Evaluate factors like fund management fees, exit loads, and administrative expenses.
Track record & Fund manager: Research Kotak's SIP options and fund manager performance.

start-small-&-build-your-wealth-for-a-brighter-tomorrow

Conclusion

The Kotak Mahindra Bank SIP plan is one of the best options to invest in funds and enter the market of mutual funds and other funds schemes. The Kotak Mahindra Bank SIP plan offers several choices to investors to select an appropriate scheme for the investment of their funds in a desired category. In addition, the investors may avail of several types of Kotak SIP plans or may select one to fulfill their financial requirements.

FAQs

What is a Kotak Mahindra Bank SIP Plan?

Regular investment in Kotak Mutual Funds and other fund schemes through fixed installments.
What are the benefits of a SIP plan?

Start small (Rs. 500+), benefits discipline, benefits from rupee-cost averaging.
Who should invest in a SIP plan?

Anyone looking to build wealth for long-term goals.
What are the different types of SIP plans offered?

Equity, Debt, Balanced - depends on your risk appetite and goals.
How do I choose the right SIP plan?

Consider your goals, investment horizon, and risk tolerance.