Kotak Pension Fund Scheme E






We evaluation the efficiency consistency of Kotak Pension Fund Scheme E – NPS TIER I measured in opposition to Nifty 50 TRI and UTI Nifty 50 TRI. The scheme used to be introduced in June 2009 and lately has an AUM of about Rs. 1,070 crores.

In a prior article, we indexed the funding coverage of NPS fairness schemes, which behave like actively controlled massive and mid cap finances: Is the NPS Fairness Scheme an index fund?

Subsequently it’s proper to resolve how frequently those finances outperform their benchmarks (BSE 100 or BSE 200). The Nifty 50 is an identical out there benchmark.

Earlier evaluations

Disclaimer: Fund efficiency stories provide go back and possibility research of a fund with consultant benchmarks and no longer funding suggestions. It should be expressly understood that the information underneath replicate solely previous efficiency and is certainly not a sign of long run efficiency.

We will use the Rolling go back outperformance consistency to gauge efficiency. The fund returns are in comparison with class benchmark returns over each imaginable 1Y,2Y,3Y,4Y, and 5Y duration. Upper the outperformance consistency, the easier. Think 876 fund returns had been in comparison with 876 benchmark returns, and the fund has overwhelmed the benchmark 675 instances. The consistency ranking will likely be 675/876 ~ 77%. All knowledge are as of seventeenth January 2023.

Kotak Pension Fund Scheme E – NPS TIER I vs Nifty 50 TRI & UTI Nifty 50 TRI

Twelve months

Metric UTI Nifty 50 Nifty 50 TRI
No of rolling go back entries Index (1 12 months) 3447 3694
No of rolling go back entries Fund (1 yr) 3447 3694
No of instances fund has outperformed the index (1 yr) 2554 1541
rolling go back outperformance Consistency Rating (1 yr) 74% 42%

Two years

Metric UTI Nifty 50 Nifty 50 TRI
No of rolling go back entries Index (2 Years) 2678 3172
No of rolling go back entries Fund (2 years) 2678 3172
No of instances fund has outperformed the index (2 years) 1761 1422
rolling go back outperformance Consistency Rating (2 years) 66% 45%

3 years

Metric UTI Nifty 50 Nifty 50 TRI
No of rolling go back entries Index (3 Years) 1870 2612
No of rolling go back entries Fund (3 years) 1870 2612
No of instances the fund has outperformed the index (3 years) 914 1271
rolling go back outperformance Consistency Rating (3 years) 49% 49%

4 years

Metric UTI Nifty 50 Nifty 50 TRI
No of rolling go back entries Index (4 Years) 1488 2368
No of rolling go back entries Fund (4 years) 1488 2368
No of instances the fund has outperformed the index (4 years) 436 1054
rolling go back outperformance Consistency Rating (4 years) 29% 45%

5 years

Metric UTI Nifty 50 Nifty 50 TRI
No of rolling go back entries Index (5 Years) 1243 2122
No of rolling go back entries Fund (5 years) 1243 2122
No of instances the fund has outperformed the index (5 years) 131 907
rolling go back outperformance Consistency Rating (5 years) 11% 43%

Sadly, that may be a deficient efficiency vs Nifty 50 and UTI Nifty 50 for a non-index that desires to “maximise returns”. Given the limitations of the NPS, we should recognize that that is almost about as just right because it will get for NPS schemes! Upload the necessary lock-in and annuity restrictions, and the UTI Nifty 50 index fund is a greater purchase.

We advise heading off fairness (scheme E) to your NPS portfolio! Until your employer contributes to the NPS  and you have got an everlasting task, it makes little sense to put money into the NPS. See: Avoid Company NPS if You Need to Retire ASAP!

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