Kotak Liquid Fund Direct Growth

Fund Overview

Fund Size

₹37,644 Cr

Expense Ratio

0.20%

ISIN

INF174K01NE8

Minimum SIP

₹100

Exit Load

No Charges

Inception Date

01 Jan 2013

About this fund

Kotak Liquid Fund Direct Growth is a Liquid mutual fund schemes offered by Kotak Mahindra Mutual Fund. This fund has been in existence for 12 years, 1 months and 21 days, having been launched on 01-Jan-13.
As of 21-Feb-25, it has a Net Asset Value (NAV) of ₹5197.06, Assets Under Management (AUM) of 37643.85 Crores, and an expense ratio of 0.2%.

Kotak Liquid Fund Direct Growth has given a CAGR return of 6.83% since inception.
The fund's asset allocation comprises around 0.00% in equities, 0.00% in debts, and 99.77% in cash & cash equivalents.
You can start investing in Kotak Liquid Fund Direct Growth with a SIP of ₹100 or a Lumpsum investment of ₹100.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+7.40%

+6.75% (Cat Avg.)

3 Years

+6.63%

+6.24% (Cat Avg.)

5 Years

+5.43%

+5.04% (Cat Avg.)

10 Years

+6.33%

+5.34% (Cat Avg.)

Since Inception

+6.83%

— (Cat Avg.)

Portfolio Summaryas of 31st January 2025

Others

₹37,643.85 Cr

100.00%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
91 DTB 13022025	Bond - Gov't/Treasury	₹1,511.81 Cr	4.02%
National Bank For Agriculture And Rural Development	Cash - Commercial Paper	₹1,495.22 Cr	3.97%
91 Days Tbill	Bond - Gov't/Treasury	₹1,476.54 Cr	3.92%
Punjab National Bank	Cash - CD/Time Deposit	₹1,037.21 Cr	2.76%
Tata Consultancy Services	Cash - Repurchase Agreement	₹999.71 Cr	2.66%
Small Industries Development Bank Of India	Cash - Commercial Paper	₹993.47 Cr	2.64%
Reliance Retail Ventures Limited	Cash - Commercial Paper	₹993.25 Cr	2.64%
Reliance Jio Infocomm Limited	Cash - Commercial Paper	₹991.29 Cr	2.63%
National Bank for Agriculture and Rural Development	Cash - Commercial Paper	₹983.83 Cr	2.61%
91 DTB 13032025	Bond - Gov't/Treasury	₹794.43 Cr	2.11%
91 DTB 06032025	Bond - Gov't/Treasury	₹745.69 Cr	1.98%
Standard Chartered Bank	Cash - Repurchase Agreement	₹686.49 Cr	1.82%
Indian Bank	Cash - CD/Time Deposit	₹620.05 Cr	1.65%
Axis Bank Limited	Cash - CD/Time Deposit	₹522.28 Cr	1.39%
Punjab National Bank	Cash - CD/Time Deposit	₹499.4 Cr	1.33%
The Karur Vysya Bank Ltd.	Cash - CD/Time Deposit	₹499.39 Cr	1.33%
Icici Securities Limited (Earlier Icici Brokerage Services Limited)	Cash - Commercial Paper	₹498.94 Cr	1.33%
Union Bank Of India	Cash - CD/Time Deposit	₹497.62 Cr	1.32%
Bank Of Baroda	Cash - CD/Time Deposit	₹497.43 Cr	1.32%
Bank Of Maharashtra	Cash - CD/Time Deposit	₹496.82 Cr	1.32%
Aditya Birla Finance Limited	Cash - Commercial Paper	₹496.8 Cr	1.32%
Bank Of Maharashtra	Cash - CD/Time Deposit	₹496.72 Cr	1.32%
Union Bank Of India	Cash - CD/Time Deposit	₹496.63 Cr	1.32%
Punjab National Bank	Cash - CD/Time Deposit	₹496.62 Cr	1.32%
Indian Bank	Cash - CD/Time Deposit	₹496.34 Cr	1.32%
National Bank For Agriculture And Rural Development	Cash - Commercial Paper	₹496.12 Cr	1.32%
Pnb Housing Finance Limited	Cash - Commercial Paper	₹496.06 Cr	1.32%
Punjab National Bank	Cash - CD/Time Deposit	₹496.03 Cr	1.32%
Bank Of Maharashtra	Cash - CD/Time Deposit	₹496.03 Cr	1.32%
Panatone Finvest Limited	Cash - Commercial Paper	₹495.85 Cr	1.32%
Reliance Retail Ventures Limited	Cash - Commercial Paper	₹495.64 Cr	1.32%
Indian Bank	Cash - CD/Time Deposit	₹495.27 Cr	1.32%
Small Industries Development Bank Of India	Cash - Commercial Paper	₹495.26 Cr	1.32%
Indian Bank	Cash - CD/Time Deposit	₹493.95 Cr	1.31%
91 Days Tbill Red 24-04-2025	Bond - Gov't/Treasury	₹492.79 Cr	1.31%
Punjab National Bank	Bond - Gov't Agency Debt	₹491.81 Cr	1.31%
HDFC Bank Ltd.	Cash - CD/Time Deposit	₹448.3 Cr	1.19%
HDFC Bank Limited	Cash - CD/Time Deposit	₹447.06 Cr	1.19%
Union Bank Of India	Cash - CD/Time Deposit	₹444.55 Cr	1.18%
Reliance Retail Ventures Limited	Cash - Commercial Paper	₹399.19 Cr	1.06%
IDBI Bank Limited (Industrial Development Bank Of India Ltd)	Cash - CD/Time Deposit	₹399.12 Cr	1.06%
Uco Bank	Cash - CD/Time Deposit	₹399.12 Cr	1.06%
Motilal Oswal Financial Services Limited	Cash - Commercial Paper	₹397.33 Cr	1.06%
Union Bank of India	Cash - CD/Time Deposit	₹396.29 Cr	1.05%
Net Current Assets/(Liabilities)	Cash	₹-386.67 Cr	1.03%
Icici Securities Limited (Earlier Icici Brokerage Services Limited)	Cash - Commercial Paper	₹299.3 Cr	0.80%
HDFC Securities Limited	Cash - Commercial Paper	₹299.24 Cr	0.79%
Canara Bank	Cash - CD/Time Deposit	₹298.4 Cr	0.79%
Export-Import Bank Of India	Cash - Commercial Paper	₹298.16 Cr	0.79%
Motilal Oswal Financial Services Limited	Cash - Commercial Paper	₹297.87 Cr	0.79%
Canara Bank	Cash - CD/Time Deposit	₹297.75 Cr	0.79%
HDFC Bank Limited	Cash - CD/Time Deposit	₹297.68 Cr	0.79%
HDFC Securities Limited	Cash - Commercial Paper	₹297.68 Cr	0.79%
Motilal Oswal Financial Services Limited	Cash - Commercial Paper	₹249.79 Cr	0.66%
182 DTB 06022025	Bond - Gov't/Treasury	₹249.78 Cr	0.66%
Mahindra And Mahindra Financial Services Limited	Cash - Commercial Paper	₹249.17 Cr	0.66%
Small Industries Development Bank of India	Cash - CD/Time Deposit	₹248.71 Cr	0.66%
HDFC Securities Limited	Cash - Commercial Paper	₹248.38 Cr	0.66%
Hindustan Zinc Limited	Cash - Commercial Paper	₹248.37 Cr	0.66%
IIFL Finance Limited	Cash - Commercial Paper	₹247.86 Cr	0.66%
IIFL Finance Ltd.	Cash - Commercial Paper	₹247.42 Cr	0.66%
Bajaj Finance Limited	Cash - Commercial Paper	₹245.67 Cr	0.65%
ICICI Securities Limited	Cash - Commercial Paper	₹245.6 Cr	0.65%
HDFC Securities Limited	Cash - Commercial Paper	₹199.83 Cr	0.53%
National Bank For Agriculture And Rural Development	Cash - Commercial Paper	₹199.2 Cr	0.53%
Piramal Capital & Housing Finance Limited	Cash - Commercial Paper	₹198.96 Cr	0.53%
Bajaj Financial Securities Limited	Cash - Commercial Paper	₹198.71 Cr	0.53%
National Bank For Agriculture And Rural Development	Cash - Commercial Paper	₹198.68 Cr	0.53%
Motilal Oswal Financial Services Limited	Cash - Commercial Paper	₹198.54 Cr	0.53%
HDFC Securities Limited	Cash - Commercial Paper	₹198.41 Cr	0.53%
India (Republic of)	Bond - Short-term Government Bills	₹198.36 Cr	0.53%
Union Bank Of India	Cash - CD/Time Deposit	₹198.22 Cr	0.53%
Icici Securities Limited (Earlier Icici Brokerage Services Limited)	Cash - Commercial Paper	₹198.04 Cr	0.53%
Punjab National Bank	Cash - CD/Time Deposit	₹194.07 Cr	0.52%
Sbicap Securities Limited	Cash - Commercial Paper	₹149.49 Cr	0.40%
Birla Group Holdings Private Limited	Cash - Commercial Paper	₹149.36 Cr	0.40%
Icici Securities Limited (Earlier Icici Brokerage Services Limited)	Cash - Commercial Paper	₹148.99 Cr	0.40%
ASeem Infrastructure Finance Limited	Cash - Commercial Paper	₹148.95 Cr	0.40%
Bajaj Financial Securities Limited	Cash - Commercial Paper	₹148.94 Cr	0.40%
Icici Securities Limited (Earlier Icici Brokerage Services Limited)	Cash - Commercial Paper	₹148.93 Cr	0.40%
Julius Baer Capital (India) Private Limited	Cash - Commercial Paper	₹148.78 Cr	0.40%
Julius Baer Capital (India) Private Limited	Cash - Commercial Paper	₹148.71 Cr	0.40%
Piramal Capital & Housing Finance Limited	Cash - Commercial Paper	₹124.71 Cr	0.33%
National Bank for Agriculture and Rural Development	Cash - CD/Time Deposit	₹123.88 Cr	0.33%
Aditya Birla Money Limited (Frmly APollo Sindhoori Capital Investments Ltd)	Cash - Commercial Paper	₹99.65 Cr	0.26%
Dalmia Cement (Bharat) Limited	Cash - Commercial Paper	₹99.34 Cr	0.26%
360 One Prime Ltd.	Cash - Commercial Paper	₹99.15 Cr	0.26%
HDFC Bank Limited	Cash - CD/Time Deposit	₹99.07 Cr	0.26%
Angel One Limited	Cash - Commercial Paper	₹98.98 Cr	0.26%
08.07 GJ Sdl 2025	Bond - Gov't/Treasury	₹90.03 Cr	0.24%
SBI ALTERNATIVE INVESTMENT FUND	Mutual Fund - Open End	₹85.95 Cr	0.23%
Piramal Enterprises Limited	Cash - Commercial Paper	₹74.85 Cr	0.20%
364 DTB 06032025	Bond - Gov't/Treasury	₹74.57 Cr	0.20%
Canara Bank	Cash - CD/Time Deposit	₹74.41 Cr	0.20%
Aditya Birla Money Limited (Frmly APollo Sindhoori Capital Investments Ltd)	Cash - Commercial Paper	₹49.9 Cr	0.13%
Bank Of Baroda	Cash - CD/Time Deposit	₹49.72 Cr	0.13%
Union Bank Of India	Cash - CD/Time Deposit	₹49.68 Cr	0.13%
Canara Bank	Cash - CD/Time Deposit	₹49.67 Cr	0.13%
Sbicap Securities Limited	Cash - Commercial Paper	₹49.6 Cr	0.13%
Muthoot Finance Limited	Cash - Commercial Paper	₹49.58 Cr	0.13%
Bajaj Financial Securities Limited	Cash - Commercial Paper	₹49.5 Cr	0.13%
Export-Import Bank Of India	Cash - CD/Time Deposit	₹49.5 Cr	0.13%
Small Industries Development Bank Of India	Cash - Commercial Paper	₹49.49 Cr	0.13%
182 D Tbill Mat - 14/02/2025	Bond - Gov't/Treasury	₹29.93 Cr	0.08%
Bank of Baroda	Cash - CD/Time Deposit	₹24.88 Cr	0.07%
Canara Bank	Cash - CD/Time Deposit	₹24.77 Cr	0.07%
364 Days T - Bill- 06/02/2025	Bond - Gov't/Treasury	₹19.98 Cr	0.05%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Instruments	Amount	Holdings
Cash - Commercial Paper	₹16,830.01 Cr	44.71%
Cash - CD/Time Deposit	₹13,252.64 Cr	35.21%
Bond - Gov't/Treasury	₹5,485.56 Cr	14.57%
Cash - Repurchase Agreement	₹1,686.2 Cr	4.48%
Bond - Gov't Agency Debt	₹491.81 Cr	1.31%
Cash	₹-386.67 Cr	1.03%
Bond - Short-term Government Bills	₹198.36 Cr	0.53%
Mutual Fund - Open End	₹85.95 Cr	0.23%
Bond - Corporate Bond	₹0 Cr	-

Risk & Performance Ratios

Fund Managers

Deepak Agrawal

Since May 2007

Additional Scheme Detailsas of 31st January 2025

ISIN

INF174K01NE8

Expense Ratio

0.20%

Exit Load

No Charges

Fund Size

₹37,644 Cr

Age

12 years 1 month

Lumpsum Minimum

₹100

Fund Status

Open Ended Investment Company

Benchmark

Nifty Liquid Index TR INR

Investment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Capital Gains Taxation:

Dividend Taxation:

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Liquid Funds

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Canara Robeco Liquid Fund Regular Growth Low to Moderate Risk	0.2%	0.0%	₹5184.26 Cr	7.3%
Navi Liquid Fund Regular Growth Low to Moderate Risk	0.2%	0.0%	₹69.83 Cr	7.0%
Motilal Oswal Liquid Fund Regular Growth Low to Moderate Risk	0.4%	0.0%	₹998.01 Cr	6.9%
Motilal Oswal Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹998.01 Cr	7.0%
Kotak Nifty 1D Rate Liquid ETF Low Risk	0.2%	-	₹813.62 Cr	5.7%
Invesco India Liquid Fund Regular Growth Low to Moderate Risk	0.2%	0.0%	₹13265.07 Cr	7.3%
TrustMF Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹352.07 Cr	7.3%
360 ONE Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹888.92 Cr	7.2%
360 ONE Liquid Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹888.92 Cr	7.2%
TrustMF Liquid Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹352.07 Cr	7.2%

About the AMC

Kotak Mahindra Mutual Fund

+91 22 61152100

https://www.kotakmf.com/

Total AUM

₹5,12,837 Cr

Address

2nd Floor, 12-BKC, Plot No C-12, Mumbai, 400 051

Other Funds by Kotak Mahindra Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Kotak FMP Series 327 Direct Growth Moderately High risk	-	0.0%	₹206.03 Cr	-
Kotak FMP Series 326 - 175 Days Direct Growth Moderate Risk	-	-	-	-
Kotak FMP Series 325 - 90 Days Direct Growth Moderate Risk	-	0.0%	-	-
Kotak FMP Series 324 - 109 Days Direct Growth Moderately High risk	-	0.0%	-	-
Kotak Healthcare Fund Direct Growth Very High Risk	0.8%	0.0%	₹415.85 Cr	8.5%
Kotak FMP Series 323 Direct Growth Low Risk	-	0.0%	-	-
Kotak Consumption Fund Direct Growth Very High Risk	0.6%	0.0%	₹1231.06 Cr	16.5%
Kotak Nifty G-Sec July 2033 Index Fund Direct Growth Moderate Risk	0.1%	0.0%	₹19.46 Cr	8.7%
Kotak Multi Asset Allocation Fund Direct Growth High Risk	0.4%	1.0%	₹7680.06 Cr	9.7%
Kotak S&P BSE Housing Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹17.59 Cr	2.9%
Kotak Fixed Maturity Plan 1174 Days Series 268 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak FMP Series 308 - 1125 Days Direct Growth Moderately High risk	-	0.0%	₹94.00 Cr	8.6%
Kotak Yearly Interval Plan Series 1 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak Fixed Maturity Plan 1355 Days Series 286 Direct Growth Low to Moderate Risk	-	-	-	-
Kotak FMP Series 304 Direct Growth Moderate Risk	-	-	₹109.38 Cr	9.1%
Kotak Fixed Maturity Plan Series 262 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak FMP Series 291 - 1826 Days Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak Fixed Maturity Plan Series 264 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak FMP Series 310 - 1131 Days Direct Growth Moderate Risk	-	0.0%	₹125.59 Cr	7.7%
Kotak FMP Series 306 Direct Growth Moderate Risk	-	0.0%	-	-
Kotak Quarterly Interval Series 12 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak Fixed Maturity Plan Series 249 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak FMP Series 295 Direct Growth Moderate Risk	-	0.0%	-	-
Kotak Fixed Maturity Plan Series 258 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak FMP Series 298 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak FMP Series 290 - 1180 Days Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak Monthly Interval Series 4 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak FMP Series 293 - 1826 Days Direct Growth Moderate Risk	-	0.0%	-	-
Kotak India Growth Fund Series IV Direct Growth Very High Risk	0.3%	0.0%	₹132.94 Cr	50.2%
Kotak Fixed Maturity Plan Series 260 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak FMP Series 287 - 1188 days Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak Fixed Maturity Plan Series 272 Direct Growth Low to Moderate Risk	-	-	-	-
Kotak Fixed Maturity Plan Series 273 Direct Growth Low to Moderate Risk	-	-	-	-
Kotak FMP Series 305 Direct Growth Low to Moderate Risk	-	0.0%	₹33.56 Cr	7.6%
Kotak FMP Series 300 - 1223 days Direct Growth Low to Moderate Risk	-	0.0%	₹241.41 Cr	7.7%
Kotak Quarterly Interval Series 13 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak FMP Series 292 - 1735 Days Direct Growth Low to Moderate Risk	-	0.0%	₹447.13 Cr	8.0%
Kotak FMP Series 289 -1179 days Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak FMP Series 288 -1177 days Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak Small Cap Fund Direct Growth Very High Risk	0.6%	1.0%	₹16450.27 Cr	5.8%
Kotak Flexicap Fund Direct Growth Very High Risk	0.7%	1.0%	₹49112.04 Cr	7.9%
Kotak Equity Opportunities Fund Direct Growth Very High Risk	0.6%	1.0%	₹24533.81 Cr	8.2%
Kotak Taxsaver Fund Direct Growth Very High Risk	0.7%	0.0%	₹5892.76 Cr	4.9%
Kotak Nifty 200 Momentum 30 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹372.49 Cr	-4.4%
Kotak Nifty 50 Index Fund Direct Growth Very High Risk	0.1%	0.0%	₹742.20 Cr	4.1%
Kotak Infrastructure and Economic Reform Fund Direct Growth Very High Risk	0.7%	0.0%	₹2251.13 Cr	3.2%
Kotak Low Duration Fund Direct Growth Moderate Risk	0.4%	0.0%	₹11882.66 Cr	8.1%
Kotak Bluechip Fund Direct Growth Very High Risk	0.6%	1.0%	₹9267.66 Cr	7.5%
Kotak Bond Fund Direct Growth Moderate Risk	0.7%	0.0%	₹2087.67 Cr	8.1%
Kotak Bond Fund Short Term Plan Direct Growth Low to Moderate Risk	0.4%	0.0%	₹16979.34 Cr	8.3%

Risk Level

Your principal amount will be at Low to Moderate Risk

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What is the current NAV of Kotak Liquid Fund Direct Growth?

The NAV of Kotak Liquid Fund Direct Growth, as of 21-Feb-2025, is ₹5197.06.

What are the returns of Kotak Liquid Fund Direct Growth?

The fund has generated 7.40% over the last 1 year and 6.63% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of Kotak Liquid Fund Direct Growth?

The fund's allocation of assets is distributed as 0.00% in equities, 0.00% in bonds, and 99.77% in cash and cash equivalents.

Who manages the Kotak Liquid Fund Direct Growth?

The fund managers responsible for Kotak Liquid Fund Direct Growth are:-

Deepak Agrawal

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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Fund Overview

Fund Size

₹37,644 Cr

Expense Ratio

0.20%

ISIN

INF174K01NE8

Minimum SIP

₹100

Exit Load

No Charges

Inception Date

01 Jan 2013

Risk Level

Your principal amount will be at Low to Moderate Risk