Kotak Multi Asset Allocation Fund vs Samco Multi Asset Allocation Fund
Direct Plan, Growth option · Data as on 29-10-2026
Kotak Multi Asset Allocation Fund and Samco Multi Asset Allocation Fund are both Multi Asset funds. In the year to 29-10-2026, Kotak Multi Asset Allocation Fund (Direct) returned 4.3% and Samco Multi Asset Allocation Fund (Direct) returned 0.8%. Kotak Multi Asset Allocation Fund charges 0.63% a year and Samco Multi Asset Allocation Fund 2.30% (Direct plans). Their portfolios overlap 4.7%: they hold 11 of the same securities.
Kotak Multi Asset Allocation Fund
Multi Asset
- 1 year return
- 4.3%
- Expense ratio
- 0.63%
- NAV
- ₹15.65
Samco Multi Asset Allocation Fund
Multi Asset
- 1 year return
- 0.8%
- Expense ratio
- 2.30%
- NAV
- ₹12.07
Which is better, Kotak Multi Asset Allocation or Samco Multi Asset Allocation? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Kotak Multi Asset Allocation returned more over 1 year: 4.3% against 0.8%.
- Kotak Multi Asset Allocation costs less: 0.63% a year against 2.30% (Direct plans).
- Samco Multi Asset Allocation fell less in its worst fall since 31-12-2024: −12.3% against −13.8%.
- Kotak Multi Asset Allocation holds more in large companies: 36.0% of the fund in large caps against 12.8%.
- Kotak Multi Asset Allocation is the larger fund: ₹15,236 Cr against ₹380 Cr.
- Their portfolios overlap 4.7%: 11 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 | Kotak Multi Asset Allocation Fund | Samco Multi Asset Allocation Fund |
|---|---|---|
| Fund house | Kotak Mahindra Mutual Fund | Samco Mutual Fund |
| Category | Multi Asset | Multi Asset |
| AUM | ₹15,236 Cr (30-09-2026) | ₹380 Cr (30-09-2026) |
| NAV | ₹15.65 (Direct) | ₹12.07 (Direct) |
| Expense ratio (Direct) | 0.63% | 2.30% |
| Expense ratio (Regular) | 1.76% | 3.78% |
| Riskometer | Very High | Very High |
| Benchmark | NIFTY 500 TRI 65% + NIFTY Short Duration Debt Index 25% + Domestic Price of Gold 5% + Domestic Price of Silver 5% | 65% Nifty 50 TRI + 20% CRISIL Short Term Bond Index + 10% Domestic Price of Gold + 5% Domestic Price of Silver |
| Launch date | 22-09-2023 | 24-12-2024 |
| Minimum investment | ₹100 | ₹5,000 |
| Lock in | None | None |
| Fund managers | Devender Singhal, Abhishek Bisen, Hiten Shah, Jeetu Valechha Sonar | Umeshkumar Mehta, Nirali Bhansali, Dhawal Dhanani, Vishal Shinde |
| Exit load | Exit Load for units in excess of 30% of the investment,1% will be charged for redemption within 1 year. | For units in excess of 10% of the investment 1% will be charged for redemption within 12 Months |
Kotak Multi Asset Allocation vs Samco Multi Asset Allocation: Returns Comparison
Returns as on 29-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Kotak Multi Asset Allocation Fund (Direct) | −3.51% | −4.32% | −4.66% | +4.34% | +16.23% | -- | -- |
| Samco Multi Asset Allocation Fund (Direct) | −1.31% | −1.15% | −2.27% | +0.84% | -- | -- | -- |
| Multi Asset average | −1.71% | −3.33% | −1.78% | +2.00% | -- | -- | -- |
Category average: the average of the 37 Multi Asset funds, same plan type.
Kotak Multi Asset Allocation vs Samco Multi Asset Allocation: Year-wise Returns
| Year | KotakKotak Multi Asset Allocation | SamcoSamco Multi Asset Allocation |
|---|---|---|
| 2026to date | −2.85% | +0.17% |
| 2025 | +24.37% | +20.02% |
| 2024 | +17.87% | -- |
Kotak Multi Asset Allocation vs Samco Multi Asset Allocation: Rolling Returns
Every holding period of both funds
Rolling returns
Every 1-year holding period, 205 of them, one for each trading day from 31-12-2025 to 29-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Kotak Multi Asset Allocation Fund (Direct)
Samco Multi Asset Allocation Fund (Direct)
to
Jan 2026Mar 2025
to
Mar 2026May 2025
to
May 2026Jun 2025
to
Jun 2026Aug 2025
to
Aug 2026Oct 2025
to
Oct 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Kotak Multi Asset Allocation | 0.0 | 3.9 | 3.9 | 7.3 | 10.2 | 35.6 | 39.0 | 22.9% | 23.8% | 2.5% | 39.2% |
| Samco Multi Asset Allocation | 3.4 | 29.8 | 34.1 | 8.8 | 10.7 | 10.7 | 2.4 | 9.7% | 8.0% | −2.0% | 31.3% |
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. Every fund is measured over the days all of them have, from 31-12-2024. Past returns do not promise future returns.
Kotak Multi Asset Allocation vs Samco Multi Asset Allocation: 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 02-12-2024 to 29-10-2026: 23 instalments, ₹2,30,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Kotak Multi Asset AllocationKotak Multi Asset Allocation Fund (Direct) | ₹2,30,000 | ₹2,48,115 | ₹18,115 | 7.9% |
| Samco Multi Asset AllocationSamco Multi Asset Allocation Fund (Direct) | ₹2,30,000 | ₹2,38,026 | ₹8,026 | 3.5% |
Kotak Multi Asset AllocationKotak Multi Asset Allocation Fund (Direct)
Samco Multi Asset AllocationSamco Multi Asset Allocation 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.
Kotak Multi Asset Allocation vs Samco Multi Asset Allocation: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Kotak Multi Asset Allocation Fund (Direct) | Samco Multi Asset Allocation Fund (Direct) |
|---|---|---|
| Return (CAGR) | +4.34% | +0.84% |
| Standard deviation | 15.49% | 12.07% |
| Sharpe ratio | -0.06 | -0.36 |
| Sortino ratio | -0.07 | -0.48 |
| Maximum drawdown | −13.8% (23-03-2026) | −12.3% (23-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 29-10-2025 to 29-10-2026. 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 | Kotak Multi Asset Allocation Fund (Direct) | Samco Multi Asset Allocation Fund (Direct) |
|---|---|---|
| Return (CAGR) | +15.57% | +10.61% |
| Standard deviation | 12.12% | 10.76% |
| Sharpe ratio | 0.79 | 0.47 |
| Sortino ratio | 1.05 | 0.65 |
| Maximum drawdown | −13.8% (23-03-2026) | −12.3% (23-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 03-10-2023 to 29-10-2026. 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.
Kotak Multi Asset Allocation Fund (Direct)
Samco Multi Asset Allocation Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Kotak Multi Asset Allocation Fund (Direct) | −13.8% | 29-01-2026 | 23-03-2026 | Not yet | -- | −9.9% |
| Samco Multi Asset Allocation Fund (Direct) | −12.3% | 29-01-2026 | 23-03-2026 | Not yet | -- | −9.3% |
From daily values since 31-12-2024, 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.
Kotak Multi Asset Allocation Fund (Direct)
Samco Multi Asset Allocation Fund (Direct)
Kotak Multi Asset Allocation vs Samco Multi Asset Allocation: Portfolio Overlap
From each fund's latest monthly portfolio: Kotak Multi Asset Allocation Fund, September 2026; Samco Multi Asset Allocation Fund, September 2026
Holdings in common
- Overlap
- 4.7%
- Held by both
- 11
- Only in Kotak Multi Asset Allocation
- 87
- Only in Samco Multi Asset Allocation
- 67
| Security | % of Kotak Multi Asset Allocation | % of Samco Multi Asset Allocation |
|---|---|---|
| One 97 Communications Ltd | 1.50% | 2.69% |
| SAMVARDHANA MOTHERSON INTERNATIONAL LTD | 1.02% | 0.61% |
| Vodafone Idea Ltd | 0.70% | 0.61% |
| Radico Khaitan Ltd. | 1.68% | 0.46% |
| Ami Organics Ltd | 0.98% | 0.33% |
| Hindalco Industries Ltd. | 0.96% | 0.33% |
| ICICI BANK LTD. | 1.36% | 0.29% |
| SHRIRAM FINANCE LIMITED | 1.74% | 0.23% |
| STATE BANK OF INDIA. | 3.27% | 0.18% |
| JAMMU KASHMIR BANK LTD | 0.41% | 0.18% |
| NMDC Ltd. | 0.01% | 0.30% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 4.7% means 4.7% 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 Kotak Multi Asset Allocation Fund
| Security | % of fund |
|---|---|
| KOTAK MUTUAL FUND - KOTAK SILVER ETF | 7.90% |
| KOTAK MUTUAL FUND - KOTAK GOLD ETF | 5.74% |
| INDO-MIM LTD | 2.91% |
| ITC Ltd. | 2.54% |
| NTPC LTD | 2.51% |
Largest holdings only in Samco Multi Asset Allocation Fund
| Security | % of fund |
|---|---|
| Nippon India ETF Gold Bees | 21.37% |
| 7.38% Government of India (20/06/2027) | 11.96% |
| Gujarat Themis Biosyn Limited | 4.11% |
| Laurus Labs Limited | 1.86% |
| Bank of Maharashtra | 1.29% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Kotak Multi Asset Allocation | Samco Multi Asset Allocation |
|---|---|---|
| Equity | 70.7% | 42.4% |
| Debt | 10.6% | 12.0% |
| Cash and others | 18.7% | 45.7% |
Market cap of stocks
| Market cap | Kotak Multi Asset Allocation | Samco Multi Asset Allocation |
|---|---|---|
| Large Cap | 36.0% | 12.8% |
| Mid Cap | 16.0% | 16.2% |
| Small Cap | 14.5% | 13.4% |
| Not on AMFI's list | 4.1% | 0.0% |
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 | Kotak Multi Asset Allocation | Samco Multi Asset Allocation |
|---|---|---|
| Banks | 11.4% | 5.4% |
| Pharmaceuticals & Biotechnology | 0.0% | 10.1% |
| Finance | 5.6% | 1.2% |
| Power | 4.9% | 1.8% |
| Automobiles | 4.6% | 0.5% |
| Diversified FMCG | 4.5% | 0.0% |
| Industrial Manufacturing | 4.1% | 1.0% |
| Electrical Equipment | 3.1% | 3.9% |
| Auto Components | 1.6% | 3.2% |
| Financial Technology (Fintech) | 1.5% | 2.7% |
| Capital Markets | 0.8% | 2.1% |
The six largest sectors of each fund's stocks, % of the fund.
Kotak Multi Asset Allocation vs Samco Multi Asset Allocation: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Kotak Multi Asset Allocation Fund | Samco Multi Asset Allocation Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.63% | 2.30% |
| Base expense ratio (Direct) | 0.44% | 0.64% |
| Total expense ratio (Regular) | 1.76% | 3.78% |
| Base expense ratio (Regular) | 1.40% | 1.96% |
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
Compare Kotak Multi Asset Allocation with
Kotak Multi Asset Allocation Fund vs Samco Multi Asset Allocation Fund: Frequently Asked Questions
What is the difference between Kotak Multi Asset Allocation Fund and Samco Multi Asset Allocation Fund?
Both are Multi Asset funds, run by Kotak Mahindra Mutual Fund and Samco Mutual Fund. Their portfolios overlap 4.7%. Kotak Multi Asset Allocation Fund charges 0.63% a year and Samco Multi Asset Allocation Fund 2.30%.
Which has given higher returns, Kotak Multi Asset Allocation Fund or Samco Multi Asset Allocation Fund?
Over 1 year: Kotak Multi Asset Allocation Fund +4.34%, Samco Multi Asset Allocation Fund +0.84%. As on 29-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Kotak Multi Asset Allocation Fund or Samco Multi Asset Allocation Fund?
Kotak Multi Asset Allocation Fund charges less: 0.63% a year against 2.30%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Kotak Multi Asset Allocation Fund and Samco Multi Asset Allocation Fund overlap?
4.7%. They hold 11 of the same securities, the largest shared ones being PAYTM, MOTHERSON, IDEA. From each fund's latest monthly portfolio.
Which is riskier, Kotak Multi Asset Allocation Fund or Samco Multi Asset Allocation Fund?
On SEBI's riskometer, Kotak Multi Asset Allocation Fund is rated Very High and Samco Multi Asset Allocation Fund Very High. Over 1 years, the standard deviation of daily returns was 15.49% and 12.07% a year.
Can I invest in both Kotak Multi Asset Allocation Fund and Samco Multi Asset Allocation Fund?
Yes. 4.7% of each fund's money sits in the same holdings, so the two hold mostly different investments.
Who manages Kotak Multi Asset Allocation Fund and Samco Multi Asset Allocation Fund?
Kotak Multi Asset Allocation Fund: Devender Singhal, Abhishek Bisen, Hiten Shah, Jeetu Valechha Sonar. Samco Multi Asset Allocation Fund: Umeshkumar Mehta, Nirali Bhansali, Dhawal Dhanani, Vishal Shinde.
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.