Kotak Technology Fund vs Tata Digital India Fund
Direct Plan, Growth option · Data as on 29-10-2026
Kotak Technology Fund is a Thematic fund and Tata Digital India Fund is a Thematic fund. In the year to 30-10-2026, Kotak Technology Fund (Direct) returned −7.3% and Tata Digital India Fund (Direct) returned −11.1%. Kotak Technology Fund charges 1.13% a year and Tata Digital India Fund 0.67% (Direct plans). Their portfolios overlap 56.0%: they hold 16 of the same securities.
Tata Digital India Fund
Thematic
- 1 year return
- −11.1%
- Expense ratio
- 0.67%
- NAV
- ₹49.21
Which is better, Kotak Technology or Tata Digital India? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Kotak Technology returned more over 1 year: −7.3% against −11.1%.
- Tata Digital India costs less: 0.67% a year against 1.13% (Direct plans).
- Kotak Technology fell less in its worst fall since 07-03-2024: −28.6% against −33.3%.
- Kotak Technology holds 3.2% of the fund in foreign stocks; Tata Digital India 0.0%.
- Tata Digital India is the larger fund: ₹9,276 Cr against ₹479 Cr.
- Their portfolios overlap 56.0%: 16 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 Technology Fund | Tata Digital India Fund |
|---|---|---|
| Fund house | Kotak Mahindra Mutual Fund | Tata Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹479 Cr (30-09-2026) | ₹9,276 Cr (30-09-2026) |
| NAV | ₹11.08 (Direct) | ₹49.21 (Direct) |
| Expense ratio (Direct) | 1.13% | 0.67% |
| Expense ratio (Regular) | 2.56% | 1.75% |
| Riskometer | Very High | Very High |
| Benchmark | BSE Teck TRI | Nifty IT TRI |
| Launch date | 04-03-2024 | 28-12-2015 |
| Minimum investment | Rs. 100/- and any amount thereafter | ₹5,000 |
| Lock in | None | None |
| Fund managers | Shibani Kurian, Abhishek Bisen | Meeta Shetty, Hasmukh Vishariya |
| Exit load | 0.5% for redemption within 30 Days | 0.25% of NAV if redeemed /switched out before 30 days from the date of allotment. |
Kotak Technology vs Tata Digital India: 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 |
|---|---|---|---|---|---|---|---|
| Kotak Technology Fund (Direct) | +8.04% | +2.07% | +10.38% | −7.34% | -- | -- | -- |
| Tata Digital India Fund (Direct) | +7.99% | −1.60% | +7.01% | −11.13% | +6.90% | +3.78% | +18.14% |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | +13.76% | +11.62% | +13.76% |
Category average: the average of the 235 Thematic funds, same plan type.
Kotak Technology vs Tata Digital India: Year-wise Returns
| Year | Kotak TechnologyKotak Technology | Tata Digital IndiaTata Digital India |
|---|---|---|
| 2026to date | −8.84% | −13.72% |
| 2025 | −4.38% | −8.60% |
| 2024 | -- | +32.37% |
| 2023 | -- | +33.81% |
| 2022 | -- | −22.00% |
| 2021 | -- | +77.28% |
Kotak Technology vs Tata Digital India: Rolling Returns
Every holding period of both funds, against BSE TECK TRI, the benchmark of Kotak Technology Fund
Rolling returns
Every 1-year holding period, 406 of them, one for each trading day from 07-03-2025 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 Technology Fund (Direct)
Tata Digital India Fund (Direct)
BSE TECK TRI
to
Apr 2025Aug 2024
to
Aug 2025Nov 2024
to
Nov 2025Feb 2025
to
Feb 2026Jun 2025
to
Jun 2026Sept 2025
to
Sept 2026
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Kotak Technology | 75.6 | 3.9 | 3.2 | 9.6 | 6.7 | 1.0 | 0.0 | −3.3% | −5.6% | −22.1% | 21.6% | 87% |
| Tata Digital India | 79.8 | 2.7 | 8.9 | 6.2 | 2.5 | 0.0 | 0.0 | −6.3% | −8.6% | −22.3% | 19.3% | 42% |
| BSE TECK TRI | 77.8 | 3.9 | 6.7 | 9.6 | 2.0 | 0.0 | 0.0 | −5.4% | −7.3% | −24.5% | 18.3% | -- |
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. The benchmark is BSE TECK 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 07-03-2024. Past returns do not promise future returns.
Kotak Technology vs Tata Digital India: 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 07-03-2024 to 29-10-2026: 32 instalments, ₹3,20,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Kotak TechnologyKotak Technology Fund (Direct) | ₹3,20,000 | ₹3,19,254 | −₹746 | −0.2% |
| Tata Digital IndiaTata Digital India Fund (Direct) | ₹3,20,000 | ₹3,00,600 | −₹19,400 | −4.5% |
Kotak TechnologyKotak Technology Fund (Direct)
Tata Digital IndiaTata Digital India 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 Technology vs Tata Digital India: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Kotak Technology Fund (Direct) | Tata Digital India Fund (Direct) |
|---|---|---|
| Return (CAGR) | −7.34% | −11.13% |
| Standard deviation | 16.94% | 18.78% |
| Sharpe ratio | -0.74 | -0.87 |
| Sortino ratio | -1.00 | -1.18 |
| Maximum drawdown | −24.1% (30-06-2026) | −25.5% (31-03-2026) |
| Beta | 0.86 | 0.67 |
| Alpha | −0.08% | −7.77% |
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 Technology Fund (Direct) | Tata Digital India Fund (Direct) |
|---|---|---|
| Return (CAGR) | +3.89% | +15.84% |
| Standard deviation | 16.76% | 18.46% |
| Sharpe ratio | -0.12 | 0.56 |
| Sortino ratio | -0.17 | 0.80 |
| Maximum drawdown | −28.6% (30-06-2026) | −33.3% (31-03-2026) |
| Beta | 0.89 | 0.82 |
| Alpha | +3.45% | +4.50% |
From daily NAVs, 07-03-2024 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 Technology Fund (Direct)
Tata Digital India Fund (Direct)
BSE TECK TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Kotak Technology Fund (Direct) | −28.6% | 16-12-2024 | 30-06-2026 | Not yet | -- | −16.9% |
| Tata Digital India Fund (Direct) | −33.3% | 13-12-2024 | 31-03-2026 | Not yet | -- | −25.1% |
| BSE TECK TRI | −31.1% | 13-12-2024 | 01-07-2026 | Not yet | -- | −19.2% |
From daily values since 07-03-2024, 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 Technology Fund (Direct)
Tata Digital India Fund (Direct)
BSE TECK TRI
Against BSE TECK TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Kotak Technology Fund (Direct) | 93% | 82% | 6.07% |
| Tata Digital India Fund (Direct) | 93% | 97% | 6.91% |
From month-end values since 07-03-2024. 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.
Kotak Technology vs Tata Digital India: Portfolio Overlap
From each fund's latest monthly portfolio: Kotak Technology Fund, September 2026; Tata Digital India Fund, September 2026
Holdings in common
- Overlap
- 56.0%
- Held by both
- 16
- Only in Kotak Technology
- 9
- Only in Tata Digital India
- 35
| Security | % of Kotak Technology | % of Tata Digital India |
|---|---|---|
| Infosys Ltd. | 16.10% | 16.30% |
| Tech Mahindra Ltd. | 7.94% | 8.32% |
| ETERNAL LIMITED | 7.30% | 7.62% |
| BHARTI AIRTEL LTD. | 11.29% | 5.06% |
| Persistent Systems Limited | 4.61% | 3.89% |
| HCL Technologies Ltd. | 3.06% | 3.56% |
| Dixon Technologies India Ltd | 3.20% | 1.83% |
| Coforge Limited | 4.56% | 1.63% |
| Larsen & Toubro Infotech Ltd | 1.58% | 1.57% |
| TBO TEK LIMITED | 1.94% | 1.49% |
| FIRSTSOURCE SOLUTIONS LTD. | 1.41% | 2.08% |
| Mphasis Ltd | 4.09% | 1.38% |
| SWIGGY LTD | 3.05% | 1.35% |
| DELHIVERY LTD | 1.16% | 0.74% |
| BILLIONBRAINS GARAGE VENTURES LIMITED (GROWW) | 2.22% | 0.71% |
| One 97 Communications Ltd | 0.53% | 1.27% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 56.0% means 56.0% 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 Technology Fund
| Security | % of fund |
|---|---|
| LENSKART SOLUTIONS LIMITED | 4.23% |
| BHARTI HEXACOM LTD. | 3.73% |
| Indus Towers Ltd. | 3.16% |
| SHIPROCKET LIMITED | 2.34% |
| RENTOMOJO LIMITED | 1.87% |
Largest holdings only in Tata Digital India Fund
| Security | % of fund |
|---|---|
| TATA CONSULTANCY SERVICES LTD | 9.75% |
| PB FINTECH LTD | 2.68% |
| CYIENT LTD | 1.96% |
| CARTRADE TECH LTD | 1.74% |
| SONATA SOFTWARE LTD | 1.45% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Kotak Technology | Tata Digital India |
|---|---|---|
| Equity | 98.3% | 95.0% |
| Debt | 0.0% | 0.0% |
| Cash and others | 1.7% | 5.0% |
Market cap of stocks
| Market cap | Kotak Technology | Tata Digital India |
|---|---|---|
| Large Cap | 52.6% | 57.4% |
| Mid Cap | 30.8% | 17.5% |
| Small Cap | 7.6% | 19.9% |
| Foreign stocks | 3.2% | 0.0% |
| Not on AMFI's list | 4.2% | 0.3% |
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 Technology | Tata Digital India |
|---|---|---|
| IT - Software | 47.4% | 53.6% |
| Telecom - Services | 18.2% | 6.0% |
| Retailing | 16.2% | 11.9% |
| IT - Services | 1.9% | 4.9% |
| Financial Technology (Fintech) | 0.5% | 4.4% |
| Transport Services | 3.5% | 0.7% |
| Commercial Services & Supplies | 0.0% | 3.5% |
| Commercial Services and Supplies | 3.3% | 0.0% |
| Consumer Durables | 3.2% | 1.8% |
The six largest sectors of each fund's stocks, % of the fund.
Kotak Technology vs Tata Digital India: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Kotak Technology Fund | Tata Digital India Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.13% | 0.67% |
| Base expense ratio (Direct) | 0.88% | 0.49% |
| Total expense ratio (Regular) | 2.56% | 1.75% |
| Base expense ratio (Regular) | 2.09% | 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
Compare Kotak Technology with
Kotak Technology Fund vs Tata Digital India Fund: Frequently Asked Questions
What is the difference between Kotak Technology Fund and Tata Digital India Fund?
Kotak Technology Fund is a Thematic fund, Tata Digital India Fund is a Thematic fund, run by Kotak Mahindra Mutual Fund and Tata Mutual Fund. Their portfolios overlap 56.0%. Kotak Technology Fund charges 1.13% a year and Tata Digital India Fund 0.67%.
Which has given higher returns, Kotak Technology Fund or Tata Digital India Fund?
Over 1 year: Kotak Technology Fund −7.34%, Tata Digital India Fund −11.13%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Kotak Technology Fund or Tata Digital India Fund?
Tata Digital India Fund charges less: 0.67% a year against 1.13%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Kotak Technology Fund and Tata Digital India Fund overlap?
56.0%. They hold 16 of the same securities, the largest shared ones being INFY, TECHM, ETERNAL. From each fund's latest monthly portfolio.
Which is riskier, Kotak Technology Fund or Tata Digital India Fund?
On SEBI's riskometer, Kotak Technology Fund is rated Very High and Tata Digital India Fund Very High. Over 1 years, the standard deviation of daily returns was 16.94% and 18.78% a year.
Can I invest in both Kotak Technology Fund and Tata Digital India Fund?
Yes. 56.0% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Kotak Technology Fund and Tata Digital India Fund?
Kotak Technology Fund: Shibani Kurian, Abhishek Bisen. Tata Digital India Fund: Meeta Shetty, Hasmukh Vishariya.
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.