HDFC Children's Fund vs Kotak Large Cap Fund
Direct Plan, Growth option · Data as on 30-10-2026
HDFC Children's Fund is a Solution fund and Kotak Large Cap Fund is a Large Cap fund. In the 3 years to 30-10-2026, HDFC Children's Fund (Direct) returned 8.0% a year and Kotak Large Cap Fund (Direct) returned 10.1% a year. HDFC Children's Fund charges 1.03% a year and Kotak Large Cap Fund 0.76% (Direct plans). Their portfolios overlap 36.1%: they hold 17 of the same securities.
Which is better, HDFC Children's or Kotak Large Cap? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- HDFC Children's returned more over 5 years: 9.3% a year against 8.3%.
- Kotak Large Cap returned more over 3 years: 10.1% a year against 8.0%.
- Kotak Large Cap costs less: 0.76% a year against 1.03% (Direct plans).
- HDFC Children's swung less over 3 years: a standard deviation of 9.6% a year against 13.1%.
- HDFC Children's fell less in its worst fall since 02-01-2013: −28.9% against −36.9%.
- Kotak Large Cap holds more in large companies: 81.5% of the fund in large caps against 36.7%.
- Kotak Large Cap is the larger fund: ₹10,514 Cr against ₹10,339 Cr.
- Their portfolios overlap 36.1%: 17 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | HDFC Children's Fund | Kotak Large Cap Fund |
|---|---|---|
| Fund house | HDFC Mutual Fund | Kotak Mahindra Mutual Fund |
| Category | Solution | Large Cap |
| AUM | ₹10,339 Cr (30-09-2026) | ₹10,514 Cr (30-09-2026) |
| NAV | ₹311.41 (Direct) | ₹624.25 (Direct) |
| Expense ratio (Direct) | 1.03% | 0.76% |
| Expense ratio (Regular) | 1.81% | 1.84% |
| Riskometer | Very High | Very High |
| Benchmark | NIFTY 50 Hybrid Composite Debt 65:35 Index (Total Returns Index) | Nifty 100 TRI |
| Launch date | 02-03-2001 | 29-12-1998 |
| Minimum investment | ₹100 | ₹100 |
| Lock in | 5 years, or until the child turns 18 if earlier | None |
| Fund managers | Chirag Setalvad, Gopal Agrawal, Anil Bamboli | Rohit Tandon |
| Exit load | (i) For existing investments by investors including SIP / SWAP registrations, etc (until May 22, 2018). In respect of units subject to lockin period: Nil In case of Units not subject to Lock-in Period: -3% if the Units are redeemed / switched-out within one year from the date of allotment. - 2% if the Units are redeemed / switched-out between first and second year of the date of allotment. - 1% if the Units are redeemed / switched-out between second and third year of the date of allotment. - Nil if the Units are redeemed / switched-out after third year from the date of allotment (ii) Fresh investments by investors including SIP/ SWAP registrations, etc (effective May 23, 2018): Nil | Exit load for units in excess of 10% of the investment,1% will be charged for redemption within 365 days |
HDFC Children's vs Kotak Large Cap: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| HDFC Children's Fund (Direct) | −1.71% | −3.88% | −0.62% | −6.09% | +7.95% | +9.25% | +12.30% |
| Kotak Large Cap Fund (Direct) | +0.02% | −5.67% | −2.81% | −8.49% | +10.14% | +8.31% | +12.42% |
| Large Cap average | +0.62% | −4.36% | −1.05% | −6.33% | +10.38% | +8.23% | +11.81% |
Category average: the average of the 35 Large Cap funds, same plan type.
HDFC Children's vs Kotak Large Cap: Year-wise Returns
| Year | HDFC Children'sHDFC Children's | Kotak Large CapKotak Large Cap |
|---|---|---|
| 2026to date | −6.11% | −9.24% |
| 2025 | +3.18% | +9.95% |
| 2024 | +17.03% | +17.61% |
| 2023 | +27.95% | +24.44% |
| 2022 | +7.69% | +3.28% |
| 2021 | +27.53% | +29.30% |
HDFC Children's vs Kotak Large Cap: Rolling Returns
Every holding period of both funds, against Nifty 100 TRI, the benchmark of Kotak Large Cap Fund
Rolling returns
Every 3-year holding period, 2,666 of them, one for each trading day from 04-01-2016 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
HDFC Children's Fund (Direct)
Kotak Large Cap Fund (Direct)
Nifty 100 TRI
to
Nov 2016Sept 2015
to
Sept 2018Jul 2017
to
Jul 2020May 2019
to
May 2022Mar 2021
to
Mar 2024Dec 2022
to
Dec 2025
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| HDFC Children's | 0.2 | 3.6 | 10.4 | 30.0 | 41.2 | 11.5 | 3.1 | 15.3% | 15.6% | −1.6% | 30.9% | 72% |
| Kotak Large Cap | 1.0 | 2.7 | 11.1 | 31.9 | 38.7 | 12.1 | 2.4 | 15.0% | 15.4% | −4.7% | 32.8% | 81% |
| Nifty 100 TRI | 0.9 | 3.8 | 11.1 | 47.2 | 30.6 | 5.1 | 1.4 | 13.6% | 13.8% | −5.0% | 31.4% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is Nifty 100 TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 02-01-2013. Past returns do not promise future returns.
HDFC Children's vs Kotak Large Cap: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 01-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| HDFC Children'sHDFC Children's Fund (Direct) | ₹16,60,000 | ₹42,94,755 | ₹26,34,755 | 12.8% |
| Kotak Large CapKotak Large Cap Fund (Direct) | ₹16,60,000 | ₹42,53,216 | ₹25,93,216 | 12.7% |
HDFC Children'sHDFC Children's Fund (Direct)
Kotak Large CapKotak Large Cap Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
HDFC Children's vs Kotak Large Cap: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | HDFC Children's Fund (Direct) | Kotak Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | −6.09% | −8.49% |
| Standard deviation | 9.47% | 13.58% |
| Sharpe ratio | -1.20 | -1.01 |
| Sortino ratio | -1.58 | -1.34 |
| Maximum drawdown | −11.1% (30-03-2026) | −13.9% (31-03-2026) |
| Beta | -- | 0.97 |
| Alpha | -- | −0.20% |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | HDFC Children's Fund (Direct) | Kotak Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.95% | +10.14% |
| Standard deviation | 9.57% | 13.09% |
| Sharpe ratio | 0.20 | 0.31 |
| Sortino ratio | 0.27 | 0.43 |
| Maximum drawdown | −12.4% (03-03-2025) | −16.5% (28-02-2025) |
| Beta | -- | 0.95 |
| Alpha | -- | +1.21% |
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | HDFC Children's Fund (Direct) | Kotak Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +9.25% | +8.31% |
| Standard deviation | 9.66% | 13.42% |
| Sharpe ratio | 0.36 | 0.19 |
| Sortino ratio | 0.48 | 0.25 |
| Maximum drawdown | −12.4% (03-03-2025) | −16.6% (17-06-2022) |
| Beta | -- | 0.95 |
| Alpha | -- | +1.16% |
From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | HDFC Children's Fund (Direct) | Kotak Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +14.00% | +13.25% |
| Standard deviation | 10.71% | 15.46% |
| Sharpe ratio | 0.74 | 0.47 |
| Sortino ratio | 1.00 | 0.64 |
| Maximum drawdown | −28.9% (23-03-2020) | −36.9% (23-03-2020) |
| Beta | -- | 0.96 |
| Alpha | -- | +1.50% |
From daily NAVs, 01-01-2013 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
HDFC Children's Fund (Direct)
Kotak Large Cap Fund (Direct)
Nifty 100 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| HDFC Children's Fund (Direct) | −28.9% | 24-01-2020 | 23-03-2020 | 26-08-2020 | 5 months | −6.5% |
| Kotak Large Cap Fund (Direct) | −36.9% | 24-01-2020 | 23-03-2020 | 05-11-2020 | 7 months | −9.9% |
| Nifty 100 TRI | −37.9% | 17-01-2020 | 23-03-2020 | 06-11-2020 | 7 months | −10.1% |
From daily values since 02-01-2013, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
HDFC Children's Fund (Direct)
Kotak Large Cap Fund (Direct)
Nifty 100 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
HDFC Children's Fund (Direct)
Kotak Large Cap Fund (Direct)
Nifty 100 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
HDFC Children's Fund (Direct)
Kotak Large Cap Fund (Direct)
Nifty 100 TRI
Against Nifty 100 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| HDFC Children's Fund (Direct) | 81% | 56% | 6.18% |
| Kotak Large Cap Fund (Direct) | 100% | 93% | 2.81% |
From month-end values since 02-01-2013. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
HDFC Children's vs Kotak Large Cap: Portfolio Overlap
From each fund's latest monthly portfolio: HDFC Children's Fund, September 2026; Kotak Large Cap Fund, September 2026
Holdings in common
- Overlap
- 36.1%
- Held by both
- 17
- Only in HDFC Children's
- 91
- Only in Kotak Large Cap
- 44
| Security | % of HDFC Children's | % of Kotak Large Cap |
|---|---|---|
| ICICI Bank Ltd. | 6.62% | 7.87% |
| HDFC Bank Ltd. | 6.19% | 6.37% |
| Larsen and Toubro Ltd. | 3.58% | 3.97% |
| State Bank of India | 3.25% | 4.49% |
| Reliance Industries Ltd. | 2.85% | 5.79% |
| Axis Bank Ltd. | 1.81% | 3.01% |
| Eternal Limited | 1.70% | 1.99% |
| Bharti Airtel Ltd. | 1.67% | 3.85% |
| Infosys Limited | 1.63% | 2.59% |
| Kotak Mahindra Bank Limited | 3.00% | 1.62% |
| United Spirits Limited | 1.57% | 1.19% |
| ITC LIMITED | 0.99% | 1.39% |
| Bajaj Finance Ltd. | 0.93% | 3.14% |
| Godrej Consumer Products Ltd. | 1.15% | 0.88% |
| Bharat Petroleum Corporation Ltd. | 0.59% | 1.22% |
| Vishal Mega Mart Limited | 0.31% | 0.41% |
| Hyundai Motor India Limited | 0.72% | 0.28% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 36.1% means 36.1% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in HDFC Children's Fund
| Security | % of fund |
|---|---|
| 7.18% GOI MAT 140833 | 3.74% |
| 7.1% GOI MAT 080434 | 2.99% |
| eClerx Services Limited | 2.55% |
| Aster DM Quality Care Limited | 2.53% |
| Finolex Cables Ltd. | 2.24% |
Largest holdings only in Kotak Large Cap Fund
| Security | % of fund |
|---|---|
| NTPC LTD | 2.65% |
| Solar Industries India Limited | 2.30% |
| Maruti Suzuki India Limited | 2.15% |
| Mahindra & Mahindra Ltd. | 2.13% |
| Tata Steel Ltd. | 2.05% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | HDFC Children's | Kotak Large Cap |
|---|---|---|
| Equity | 70.5% | 94.1% |
| Debt | 26.4% | 0.0% |
| Cash and others | 3.2% | 5.9% |
Market cap of stocks
| Market cap | HDFC Children's | Kotak Large Cap |
|---|---|---|
| Large Cap | 36.7% | 81.5% |
| Mid Cap | 6.5% | 7.7% |
| Small Cap | 25.6% | 3.8% |
| Not on AMFI's list | 1.6% | 1.1% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | HDFC Children's | Kotak Large Cap |
|---|---|---|
| Banks | 21.3% | 23.4% |
| Petroleum Products | 3.4% | 7.0% |
| Finance | 1.4% | 6.3% |
| Industrial Products | 5.8% | 1.0% |
| IT - Software | 2.9% | 4.8% |
| Automobiles | 0.9% | 4.6% |
| Auto Components | 3.4% | 4.4% |
| Construction | 3.8% | 4.0% |
| Retailing | 3.5% | 2.4% |
The six largest sectors of each fund's stocks, % of the fund.
HDFC Children's vs Kotak Large Cap: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | HDFC Children's Fund | Kotak Large Cap Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.03% | 0.76% |
| Base expense ratio (Direct) | 0.84% | 0.58% |
| Total expense ratio (Regular) | 1.81% | 1.84% |
| Base expense ratio (Regular) | 1.50% | 1.49% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
HDFC Children's Fund vs Kotak Large Cap Fund: Frequently Asked Questions
What is the difference between HDFC Children's Fund and Kotak Large Cap Fund?
HDFC Children's Fund is a Solution fund, Kotak Large Cap Fund is a Large Cap fund, run by HDFC Mutual Fund and Kotak Mahindra Mutual Fund. Their portfolios overlap 36.1%. HDFC Children's Fund charges 1.03% a year and Kotak Large Cap Fund 0.76%.
Which has given higher returns, HDFC Children's Fund or Kotak Large Cap Fund?
Over 1 year: HDFC Children's Fund −6.09%, Kotak Large Cap Fund −8.49%. Over 3 years: HDFC Children's Fund +7.95% a year, Kotak Large Cap Fund +10.14% a year. Over 5 years: HDFC Children's Fund +9.25% a year, Kotak Large Cap Fund +8.31% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, HDFC Children's Fund or Kotak Large Cap Fund?
Kotak Large Cap Fund charges less: 0.76% a year against 1.03%. These are the Direct plans' total expense ratios reported to AMFI.
How much do HDFC Children's Fund and Kotak Large Cap Fund overlap?
36.1%. They hold 17 of the same securities, the largest shared ones being ICICIBANK, HDFCBANK, LT. From each fund's latest monthly portfolio.
Which is riskier, HDFC Children's Fund or Kotak Large Cap Fund?
On SEBI's riskometer, HDFC Children's Fund is rated Very High and Kotak Large Cap Fund Very High. Over 3 years, the standard deviation of daily returns was 9.57% and 13.09% a year.
Which is better for SIP, HDFC Children's Fund or Kotak Large Cap Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,31,165 in HDFC Children's Fund (XIRR 7.1% a year) and ₹7,34,179 in Kotak Large Cap Fund (XIRR 7.2% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both HDFC Children's Fund and Kotak Large Cap Fund?
Yes. 36.1% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages HDFC Children's Fund and Kotak Large Cap Fund?
HDFC Children's Fund: Chirag Setalvad, Gopal Agrawal, Anil Bamboli. Kotak Large Cap Fund: Rohit Tandon.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.