Kotak Equity Savings Fund vs SBI Equity Savings Fund
Updated June 2026 · both Equity Savings funds · metrics from AMFI NAVs
In short: Kotak Equity Savings Fund has the higher 3-year return (+10.68%); Kotak Equity Savings Fund has the lower expense ratio (0.69%); Kotak Equity Savings Fund has the better risk-adjusted return (Sharpe 0.67). This is analysis from past data, not a recommendation.
| Metric | Kotak Equity Savings Fund | SBI Equity Savings Fund |
|---|---|---|
| 1Y return | +4.21% | +2.26% |
| 3Y CAGR | +10.68% | +9.95% |
| 5Y CAGR | +10.30% | +8.75% |
| Sharpe ratio | 0.67 | 0.40 |
| Max drawdown | -6.0% | -7.1% |
| Volatility | 5.3% | 5.2% |
| Alpha | +3.12% | +2.35% |
| Expense ratio (Direct) | 0.69% | 1.42% |
| AUM | ₹9.6K Cr | ₹5.7K Cr |
Winner on each row highlighted (lower is better for expense ratio and volatility; max drawdown closer to zero is better). Computed from AMFI NAVs - see methodology. No paid placement.
FAQ
Which has the lower expense ratio?
Kotak Equity Savings Fund has the lower Direct-plan expense ratio (0.69%), versus 1.42% for the other. Over long horizons a lower TER compounds into a meaningful difference.
Which has performed better over 3 years?
Kotak Equity Savings Fund has the higher 3-year CAGR (+10.68%). Past performance does not predict future returns - check volatility and drawdown too, shown above.
How are these figures calculated?
All returns, risk metrics and alpha are computed independently from AMFI daily NAVs using a disclosed methodology. FindMF takes no commission and this comparison is not a recommendation.