Sushil Bajaj |
📅 Last Updated on: November 3, 2025
Kotak Gold Silver Passive FOF is an open-ended Fund of Funds (FoF) from Kotak Mahindra Mutual Fund that invests in Kotak Gold ETF and Kotak Silver ETF.
It aims to generate long-term capital appreciation by providing diversified exposure to both gold and silver through a passive investment model. The allocation between gold and silver is based on price trends and macro factors.
In short, it offers an easy way to invest in both precious metals without holding them physically.
| Particulars | Details |
|---|---|
| Scheme Name | Kotak Gold Silver Passive FOF – Regular (G) |
| Category / Sub-category | Others → Fund of Funds – Gold & Silver |
| Scheme Type | Open-ended |
| Open Date | Oct 06, 2025 |
| Close Date | Oct 20, 2025 |
| Minimum Investment | ₹ 100.00 |
| Incremental Investment | ₹ 100.00 |
| Exit Load | As per scheme document (check latest) |
| NAV Calculation | Daily |
| Risk Level | Very High |
| Fund Manager | Rohit Tandon |
| Primary Investments | Units of Kotak Gold ETF & Kotak Silver ETF |
| Liquidity / Redemption | Open-ended, with usual mutual fund redemption norms |
| Benchmark Details | Nifty 500 Total Return Index |
The core aim of this scheme is:
| Year | Domestic Price of Gold | Domestic Price of Silver |
|---|---|---|
| CY2006 | 20% | 43% |
| CY2007 | 17% | 1% |
| CY2008 | 26% | -7% |
| CY2009 | 23% | 51% |
| CY2010 | 24% | 71% |
| CY2011 | 34% | 9% |
| CY2012 | 10% | 13% |
| CY2013 | -8% | -23% |
| CY2014 | -8% | -16% |
| CY2015 | -6% | -10% |
| CY2016 | 10% | 20% |
| CY2017 | 4% | 3% |
| CY2018 | 8% | 1% |
| CY2019 | 23% | 22% |
| CY2020 | 31% | 44% |
| CY2021 | -6% | -8% |
| CY2022 | 13% | 13% |
| CY2023 | 15% | 8% |
| CY2024 | 21% | 18% |
| CYTD 2025 | 34% | 37% |
The results are based on back-tested data of Kotak Gold Silver Passive Model & are theoretical in nature & do not represent the NAV of the fund. The back tested result does not in any way indicate the performance of the Scheme
The Kotak Gold Silver Passive FoF will dynamically invests in Kotak Gold ETF and Kotak Silver ETF.
Investment in the physical silver shall be of standard 30kg bar’s with fineness of 999 parts per thousand (0r 99.9% purity) confirming to London Bullion Market Association (LBMA) Good Delivery Standards. This may changes as per the regulatory guidelines in future.
| Investor Concern / Question | Answer / Explanation |
|---|---|
| Why invest in precious metals instead of equities? | Precious metals, especially gold & silver, act as a hedge in times of inflation, currency volatility, or financial stress. They often behave differently compared to equities and bonds, offering diversification benefit. |
| High cost—double layer of fees (FoF + ETF)? | Yes, a FoF adds an overlay cost on top of ETF expenses. But the convenience, model-based allocation, and diversification might offset this for many investors. Always compare expense ratios. |
| Tax complexity — how will I compute gains? | You may have to apportion gains between short-term vs long-term for underlying gold & silver holdings. Mutual fund houses generally provide statement / capital gains reports to ease this. Use those or consult a tax advisor. |
| What is the ideal holding period? | To optimize tax and ride precious metal cycles, a medium to long-term horizon (3 years or more) is advisable. Short-term holding may lead to lower after-tax returns because of slab rate taxation on short-term gains. |
| What if gold rises but silver falls (or vice versa)? | The model allocation helps — the fund manager can tilt more weight toward the strong metal, reducing exposure to the weaker one. This adjustment is one of the stated advantages of this FoF. |
Q1: What is Kotak Gold Silver Passive FOF?
It’s a Fund of Funds that invests in Kotak Gold ETF and Kotak Silver ETF giving the investors exposure to both these metals in one scheme.
Q2: What is the investment objective of the fund?
The Fund aims to provide long term capital appreciation by tracking the long term performance of Gold and Silver, through passive investment in Gold and Silver Exchange Traded Funds (ETFs).
Q3: Who should invest in this fund?
Investors looking for diversified exposure to Gold and Silver and investors looking for an inflation hedge and/or add diversification to their portfolio.
Q4: What is the risk level?
The fund is a very high risk investment, as it is investing in commodities, which can have a very high fluctuation in their price.
Q5: What is the minimum pain for investment?
The minimum investment during the NFO is ₹100 and minimum of ₹1 thereafter.
Kotak Gold Silver Passive FOF (Fund of Funds) presents an interesting opportunity for gaining balanced exposure to both gold and silver by investing in a passive, model-based allocation approach. The Fund of Funds offers the diversification of both precious metals and the simplicity of investing in a mutual fund, along with frankly discretionary adjustments. Nevertheless, it comes with risks, including volatility, double-layered fees/costs, and complex taxation.
If you are a medium- to long-term investor (e.g., more than 3 years), you believe in the utility of precious metals in your investment portfolio, and are comfortable with non-equity taxation, this fund could be a useful way to gain diversification beyond traditional equity and debt.
Disclaimer:- Mutual Fund investments are subject to market risks, please read scheme related documents carefully before investing.
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