The fund manager will make decisions regarding your investments and spread out your assets as per the scheme. Thus, the experience and skill of the fund manager are important for the success of the investment. Make sure to check the qualifications of the fund manager before investing in a scheme.

You can check the previous performance of Abhishek Bisen, fund manager and senior Vice President at Kotak Mutual Fund. Since joining the organisation in October 2006, fund management of debt schemes has been one of his main duties.

You must evaluate the returns given by this scheme in the past to measure its upcoming performance. Firstly, it will help you estimate how it will perform in the future. Secondly, you can use this to compare the returns with other schemes. This helps you in making an informed financial decision. 

The expense ratio is a tiny portion of your assets that Kotak Mutual Funds may take out of your account to handle investment management. This ratio tends to affect your net returns and may differ amongst schemes. 

For higher returns, think about investing in those Kotak Mutual Funds with a low fee ratio. 

Exit load is a payment for withdrawing your investment before a specified period. Investing in a fund with a low or zero exit load is always preferable to investing in a scheme with a higher exit load. It is also advisable to consider the liquidity of the fund, that is, how soon can you redeem your units if necessary.

As the portfolio of investments varies, each scheme is suited to a different duration of investment. It makes sense to invest in some for the long and medium term. For others, short-term investment would be better. Going through the portfolio and having clarity about your goals will give you a better idea of the ideal investment duration and help you fulfil your financial goals accordingly.

Download the INDmoney app and create your free investment account by completing your KYC ( Know Your Customer).

Once your Free investment account is ready, you can either search for Kotak Mutual Funds or go to the mutual fund section.

Choose any Kotak Mutual Funds by looking at aspects like past returns, volatility, downside capture ratio, AUM, Expense ratios and underlying stocks and sectors.

You can choose to set up SIP in any Kotak Mutual Funds or even invest as a lump sum. Once you are on the individual Kotak Mutual Funds page click from the bottom "One-time" for lump sum investment or "SIP" for a systematic investment plan. 

Choose the amount that you want to invest as SIP or LumpSum.

Set up payments. If you choose to set up SIP in any Kotak Mutual Funds, you can do a free automatic pay set-up via bank mandate or UPI. If you choose to invest in a lump sum (one-time) then you can pay via UPI, net banking, NEFT or RTGS.