Kotak Consumption Fund
Sectoral and Thematic fund from Kotak Mahindra Mutual Fund. Direct and regular Growth plans: returns over 1, 3 and 5 years, against the Nifty 50, its rank among sectoral and thematic funds and what a ₹10,000 SIP became.
As of 30 Sep 2026, Kotak Consumption Fund (direct plan, Growth) has returned -1.9% a year over 1 year. Expense ratio: 0.87% a year for the direct plan and 2.33% for the regular plan. Latest NAV ₹14.00 (29 Oct 2026).
Kotak Consumption Fund returns
| Plan | 1 year | 3 years | 5 years | 10 years | Beat the Nifty 50 (rolling 3y) |
|---|---|---|---|---|---|
| Direct | -1.9% | — | — | — | — |
| Regular | -3.4% | — | — | — | — |
To 30 Sep 2026. The rolling column counts every 3-year stretch in the stored history and how many of them the fund beat the Nifty 50 in. Returns are yearly (CAGR) from AMFI month-end NAVs of the Growth option. An index's return is measured through a low-cost index fund's direct plan, so it is a little below the index itself. Past returns do not tell you what a fund will do next, and this is not a recommendation to buy or sell any fund.
Against the index
| Period | Fund | Nifty 50 |
|---|---|---|
| 1 year | -1.9% | -7.3% |
Sector and theme funds have no fair broad index, so they are shown against the Nifty 50 only.
Calendar-year returns
| Year | Direct | Regular |
|---|---|---|
| 2025 | 8.7% | 7.0% |
| 2024 | 28.6% | 26.4% |
Expense ratio
0.87% a year for the direct plan and 2.33% for the regular plan, as disclosed for 30 Sep 2026 (AMFI's TER disclosure). It is taken out of the fund every day, so the returns above are already after it. On ₹10 lakh growing at 12% a year for 10 years, a 2.33% expense ratio instead of 0.87% costs ₹3,56,843. Try your own numbers with the expense ratio calculator.
Key takeaways
Frequently asked questions
What is the NAV of Kotak Consumption Fund?
₹14.00 for the direct plan (Growth) on 29 Oct 2026, from AMFI.
What is the expense ratio of Kotak Consumption Fund?
0.87% a year for the direct plan and 2.33% for the regular plan (AMFI disclosure for 30 Sep 2026).