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Kotak Savings Fund Direct Growth
DebtUltra Short DurationLow to Moderate Risk
Direct
NAV (27-Mar-25)
₹43.980.03%1D
Returns (Since Inception)
7.44%
Rated ★4.3+ on 
Fund Overview
Fund Size
₹12,512 Cr
Expense Ratio
0.36%
ISIN
INF174K01JP2
Minimum SIP
₹100
Exit Load
No Charges
Inception Date
01 Jan 2013
About this fund
Kotak Savings Fund Direct Growth is a Ultra Short Duration mutual fund schemes offered by Kotak Mahindra Mutual Fund. This fund has been in existence for 12 years, 2 months and 27 days, having been launched on 01-Jan-13.
As of 27-Mar-25, it has a Net Asset Value (NAV) of ₹43.98, Assets Under Management (AUM) of 12511.53 Crores, and an expense ratio of 0.36%.
As of 27-Mar-25, it has a Net Asset Value (NAV) of ₹43.98, Assets Under Management (AUM) of 12511.53 Crores, and an expense ratio of 0.36%.
- Kotak Savings Fund Direct Growth has given a CAGR return of 7.44% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 40.30% in debts, and 59.38% in cash & cash equivalents.
- You can start investing in Kotak Savings 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
+7.68%
+6.60% (Cat Avg.)
3 Years
+6.90%
+6.19% (Cat Avg.)
5 Years
+6.04%
+5.58% (Cat Avg.)
10 Years
+7.01%
+5.54% (Cat Avg.)
Since Inception
+7.44%
— (Cat Avg.)
Portfolio Summaryas of 15th March 2025
| Debt | ₹5,042.75 Cr | 40.30% |
| Others | ₹7,468.78 Cr | 59.70% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 182 DTB 15052025 | Bond - Gov't/Treasury | ₹494.68 Cr | 3.95% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹474.13 Cr | 3.79% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹473.57 Cr | 3.79% |
| Indian Bank | Cash - CD/Time Deposit | ₹469.63 Cr | 3.75% |
| Canara Bank | Cash - CD/Time Deposit | ₹468.27 Cr | 3.74% |
| Bharti Telecom Limited | Cash - Commercial Paper | ₹429.07 Cr | 3.43% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹330.82 Cr | 2.64% |
| Mankind Pharma Ltd | Bond - Corporate Bond | ₹300.11 Cr | 2.40% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹299.4 Cr | 2.39% |
| Triparty Repo | Cash - Repurchase Agreement | ₹271.2 Cr | 2.17% |
| Torrent Electricals Ltd. | Cash - Commercial Paper | ₹241.12 Cr | 1.93% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹237.33 Cr | 1.90% |
| Punjab National Bank | Cash - CD/Time Deposit | ₹236.89 Cr | 1.89% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹236.89 Cr | 1.89% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹229.17 Cr | 1.83% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹225.54 Cr | 1.80% |
| 08.49 Tn SDL 2026 | Bond - Gov't/Treasury | ₹203.91 Cr | 1.63% |
| Vedanta Limited | Bond - Corporate Bond | ₹199.4 Cr | 1.59% |
| Punjab National Bank | Cash - CD/Time Deposit | ₹188.28 Cr | 1.50% |
| Panatone Finvest Limited | Cash - Commercial Paper | ₹187.52 Cr | 1.50% |
| Credila Financial Services Pvt Ltd | Cash - Commercial Paper | ₹186.22 Cr | 1.49% |
| Axis Bank Ltd. | Bond - Corporate Bond | ₹186.17 Cr | 1.49% |
| Small Industries Development Bank of India | Bond - Corporate Bond | ₹185.94 Cr | 1.49% |
| 182 DTB 08052025 | Bond - Gov't/Treasury | ₹183.26 Cr | 1.46% |
| INDIA UNIVERSAL TRUST AL1 | Bond - Asset Backed | ₹166.2 Cr | 1.33% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹150.24 Cr | 1.20% |
| LIC Housing Finance Limited | Bond - Corporate Bond | ₹150.14 Cr | 1.20% |
| Citicorp Finance (India) Limited | Bond - Corporate Bond | ₹149.94 Cr | 1.20% |
| 5.65 Tamil Nadu SDL 2025 | Bond - Gov't/Treasury | ₹149.6 Cr | 1.20% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹144.59 Cr | 1.16% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹141.18 Cr | 1.13% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹141 Cr | 1.13% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹140.83 Cr | 1.13% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹140.73 Cr | 1.12% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹140.38 Cr | 1.12% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹140.36 Cr | 1.12% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹139.78 Cr | 1.12% |
| Canara Bank | Bond - Gov't Agency Debt | ₹139.71 Cr | 1.12% |
| National Bank for Agriculture and Rural Development | Bond - Gov't Agency Debt | ₹139.41 Cr | 1.11% |
| Cholamandalam Investment And Finance Company Limited | Bond - Corporate Bond | ₹122.74 Cr | 0.98% |
| 08.29 MH Sdl 2025 | Bond - Gov't/Treasury | ₹100.67 Cr | 0.80% |
| LIC Housing Finance Limited | Bond - Corporate Bond | ₹99.93 Cr | 0.80% |
| Poonawalla Housing Finance Limited | Bond - Corporate Bond | ₹99.91 Cr | 0.80% |
| Hdb Financial Services Limited | Bond - Corporate Bond | ₹99.72 Cr | 0.80% |
| John Deere Financial India Private Limited | Bond - Corporate Bond | ₹99.48 Cr | 0.80% |
| 06.04 GJ Sdl 2031 | Bond - Gov't/Treasury | ₹98.87 Cr | 0.79% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹96.76 Cr | 0.77% |
| Bahadur Chand Investments Private Limited | Cash - Commercial Paper | ₹96.64 Cr | 0.77% |
| 364 DTB 26122025 | Bond - Gov't/Treasury | ₹95.13 Cr | 0.76% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹94.49 Cr | 0.76% |
| 182 Days Tbill (Md 01/05/2025) | Bond - Gov't/Treasury | ₹94.22 Cr | 0.75% |
| ICICI Securities Limited | Cash - Commercial Paper | ₹93.75 Cr | 0.75% |
| IDFC First Bank Limited | Cash - CD/Time Deposit | ₹93.68 Cr | 0.75% |
| Muthoot Finance Ltd. | Cash - Commercial Paper | ₹93.68 Cr | 0.75% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹93.67 Cr | 0.75% |
| IDFC First Bank Limited | Cash - CD/Time Deposit | ₹93.65 Cr | 0.75% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹93.56 Cr | 0.75% |
| Aditya Birla Finance Limited | Cash - Commercial Paper | ₹93.39 Cr | 0.75% |
| Canara Bank | Cash - CD/Time Deposit | ₹93.29 Cr | 0.75% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹93.17 Cr | 0.74% |
| Canara Bank | Bond - Gov't Agency Debt | ₹93.01 Cr | 0.74% |
| Bank of Baroda | Bond - Corporate Bond | ₹93.01 Cr | 0.74% |
| Embassy Office Parks REIT 0.0817% | Bond - Corporate Bond | ₹90.07 Cr | 0.72% |
| Bharti Telecom Limited 8.65% | Bond - Corporate Bond | ₹75.42 Cr | 0.60% |
| 07.07 Tn SDL 2026 | Bond - Gov't/Treasury | ₹75.3 Cr | 0.60% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹75.11 Cr | 0.60% |
| Net Current Assets/(Liabilities) | Cash - Collateral | ₹73.11 Cr | 0.58% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹69.95 Cr | 0.56% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹69.9 Cr | 0.56% |
| IDBI Bank Limited | Cash - CD/Time Deposit | ₹69.85 Cr | 0.56% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹54.78 Cr | 0.44% |
| Bajaj Housing Finance Ltd. 0.08% | Bond - Corporate Bond | ₹50.07 Cr | 0.40% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹49.93 Cr | 0.40% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹49.77 Cr | 0.40% |
| Small Industries Development Bank of India | Cash - CD/Time Deposit | ₹47.77 Cr | 0.38% |
| Muthoot Finance Limited | Cash - Commercial Paper | ₹46.77 Cr | 0.37% |
| 07.57 GJ Sgs 2026 | Bond - Gov't/Treasury | ₹45.52 Cr | 0.36% |
| SBI ALTERNATIVE INVESTMENT FUND | Mutual Fund - Open End | ₹39.33 Cr | 0.31% |
| SANSAR TRUST SEP 2023 IX | Bond - Asset Backed | ₹28.7 Cr | 0.23% |
| 08.24 Tn SDL 2025sep | Bond - Gov't/Treasury | ₹25.17 Cr | 0.20% |
| Godrej Industries Limited | Bond - Corporate Bond | ₹24.94 Cr | 0.20% |
| Sikka Ports & Terminals Limited | Bond - Corporate Bond | ₹24.7 Cr | 0.20% |
| Axis Bank Ltd. | Cash - CD/Time Deposit | ₹24.68 Cr | 0.20% |
| Goi 12.09.2025 Gov | Bond - Gov't/Treasury | ₹24.23 Cr | 0.19% |
| 0% GOI - 17122026 STRIPS | Bond - Gov't/Treasury | ₹22.51 Cr | 0.18% |
| Ongc Petro Additions Limited | Bond - Corporate Bond | ₹15 Cr | 0.12% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Cash - CD/Time Deposit | ₹4,804.9 Cr | 38.40% |
| Bond - Corporate Bond | ₹3,674.75 Cr | 29.37% |
| Bond - Gov't/Treasury | ₹1,613.07 Cr | 12.89% |
| Cash - Commercial Paper | ₹1,468.15 Cr | 11.73% |
| Bond - Gov't Agency Debt | ₹372.13 Cr | 2.97% |
| Cash - Repurchase Agreement | ₹271.2 Cr | 2.17% |
| Bond - Asset Backed | ₹194.9 Cr | 1.56% |
| Cash - Collateral | ₹73.11 Cr | 0.58% |
| Mutual Fund - Open End | ₹39.33 Cr | 0.31% |
Risk & Performance Ratios
Standard Deviation
This fund
0.42%
Cat. avg.
0.57%
Lower the better
Sharpe Ratio
This fund
1.05
Cat. avg.
-0.47
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
-0.19
Higher the better
Fund Managers
DA
Deepak Agrawal
Since April 2008
Manu Sharma
Since November 2022
Additional Scheme Detailsas of 15th March 2025
ISIN INF174K01JP2 | Expense Ratio 0.36% | Exit Load No Charges | Fund Size ₹12,512 Cr | Age 12 years 2 months | Lumpsum Minimum ₹100 | Fund Status Open Ended Investment Company | Benchmark NIFTY Ultra Short Duration Debt 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 Ultra Short Duration Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| PGIM India Ultra Short Duration Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹205.52 Cr | 6.8% |
| Canara Robeco Ultra Short Term Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹595.44 Cr | 6.8% |
| Baroda BNP Paribas Ultra Short Duration Fund Regular Growth Low to Moderate Risk | 0.5% | 0.0% | ₹1407.51 Cr | 7.4% |
| Baroda BNP Paribas Ultra Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹1407.51 Cr | 7.6% |
| LIC MF Ultra Short Duration Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹365.85 Cr | 7.7% |
| LIC MF Ultra Short Duration Fund Regular Growth Moderate Risk | 0.9% | 0.0% | ₹365.85 Cr | 6.9% |
| UTI Ultra Short Term Fund Regular Growth Moderate Risk | 0.9% | 0.0% | ₹3384.64 Cr | 7.1% |
| Nippon India Ultra Short Duration Fund Regular Growth Moderate Risk | 1.1% | 0.0% | ₹7364.20 Cr | 7.2% |
| Mahindra Manulife Ultra Short Duration Fund Regular Growth Low to Moderate Risk | 0.7% | 0.0% | ₹220.62 Cr | 7.3% |
| Mahindra Manulife Ultra Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹220.62 Cr | 7.8% |
About the AMC
Kotak Mahindra Mutual Fund
Total AUM
₹5,09,747 Cr
Address
2nd Floor, 12-BKC, Plot No C-12, Mumbai, 400 051
Other Funds by Kotak Mahindra Mutual Fund
Risk Level
Your principal amount will be at Low to Moderate Risk
Take control of your wealth
Related Articles
Still got questions?
We're here to help.
What is the current NAV of Kotak Savings Fund Direct Growth?
The NAV of Kotak Savings Fund Direct Growth, as of 27-Mar-2025, is ₹43.98.
What are the returns of Kotak Savings Fund Direct Growth?
The fund has generated 7.68% over the last 1 year and 6.90% 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 Savings Fund Direct Growth?
The fund's allocation of assets is distributed as 0.00% in equities, 40.30% in bonds, and 59.38% in cash and cash equivalents.
Who manages the Kotak Savings Fund Direct Growth?
The fund managers responsible for Kotak Savings Fund Direct Growth are:-
- Deepak Agrawal
- Manu Sharma
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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.
Kotak Savings Fund Direct Growth
DebtUltra Short DurationLow to Moderate Risk
Direct
NAV (27-Mar-25)
₹43.980.03%1D
Returns (Since Inception)
7.44%
Rated ★4.3+ on
Fund Overview
Fund Size
₹12,512 Cr
Expense Ratio
0.36%
ISIN
INF174K01JP2
Minimum SIP
₹100
Exit Load
No Charges
Inception Date
01 Jan 2013
Risk Level
Your principal amount will be at Low to Moderate Risk
About this fund
Kotak Savings Fund Direct Growth is a Ultra Short Duration mutual fund schemes offered by Kotak Mahindra Mutual Fund. This fund has been in existence for 12 years, 2 months and 27 days, having been launched on 01-Jan-13.
As of 27-Mar-25, it has a Net Asset Value (NAV) of ₹43.98, Assets Under Management (AUM) of 12511.53 Crores, and an expense ratio of 0.36%.
As of 27-Mar-25, it has a Net Asset Value (NAV) of ₹43.98, Assets Under Management (AUM) of 12511.53 Crores, and an expense ratio of 0.36%.
- Kotak Savings Fund Direct Growth has given a CAGR return of 7.44% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 40.30% in debts, and 59.38% in cash & cash equivalents.
- You can start investing in Kotak Savings 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
+7.68%
+6.60% (Cat Avg.)
3 Years
+6.90%
+6.19% (Cat Avg.)
5 Years
+6.04%
+5.58% (Cat Avg.)
10 Years
+7.01%
+5.54% (Cat Avg.)
Since Inception
+7.44%
— (Cat Avg.)
Portfolio Summaryas of 15th March 2025
| Debt | ₹5,042.75 Cr | 40.30% |
| Others | ₹7,468.78 Cr | 59.70% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type | Amount | Holdings |
|---|---|---|---|
| 182 DTB 15052025 | Bond - Gov't/Treasury | ₹494.68 Cr | 3.95% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹474.13 Cr | 3.79% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹473.57 Cr | 3.79% |
| Indian Bank | Cash - CD/Time Deposit | ₹469.63 Cr | 3.75% |
| Canara Bank | Cash - CD/Time Deposit | ₹468.27 Cr | 3.74% |
| Bharti Telecom Limited | Cash - Commercial Paper | ₹429.07 Cr | 3.43% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹330.82 Cr | 2.64% |
| Mankind Pharma Ltd | Bond - Corporate Bond | ₹300.11 Cr | 2.40% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹299.4 Cr | 2.39% |
| Triparty Repo | Cash - Repurchase Agreement | ₹271.2 Cr | 2.17% |
| Torrent Electricals Ltd. | Cash - Commercial Paper | ₹241.12 Cr | 1.93% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹237.33 Cr | 1.90% |
| Punjab National Bank | Cash - CD/Time Deposit | ₹236.89 Cr | 1.89% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹236.89 Cr | 1.89% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹229.17 Cr | 1.83% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹225.54 Cr | 1.80% |
| 08.49 Tn SDL 2026 | Bond - Gov't/Treasury | ₹203.91 Cr | 1.63% |
| Vedanta Limited | Bond - Corporate Bond | ₹199.4 Cr | 1.59% |
| Punjab National Bank | Cash - CD/Time Deposit | ₹188.28 Cr | 1.50% |
| Panatone Finvest Limited | Cash - Commercial Paper | ₹187.52 Cr | 1.50% |
| Credila Financial Services Pvt Ltd | Cash - Commercial Paper | ₹186.22 Cr | 1.49% |
| Axis Bank Ltd. | Bond - Corporate Bond | ₹186.17 Cr | 1.49% |
| Small Industries Development Bank of India | Bond - Corporate Bond | ₹185.94 Cr | 1.49% |
| 182 DTB 08052025 | Bond - Gov't/Treasury | ₹183.26 Cr | 1.46% |
| INDIA UNIVERSAL TRUST AL1 | Bond - Asset Backed | ₹166.2 Cr | 1.33% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹150.24 Cr | 1.20% |
| LIC Housing Finance Limited | Bond - Corporate Bond | ₹150.14 Cr | 1.20% |
| Citicorp Finance (India) Limited | Bond - Corporate Bond | ₹149.94 Cr | 1.20% |
| 5.65 Tamil Nadu SDL 2025 | Bond - Gov't/Treasury | ₹149.6 Cr | 1.20% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹144.59 Cr | 1.16% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹141.18 Cr | 1.13% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹141 Cr | 1.13% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹140.83 Cr | 1.13% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹140.73 Cr | 1.12% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹140.38 Cr | 1.12% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹140.36 Cr | 1.12% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹139.78 Cr | 1.12% |
| Canara Bank | Bond - Gov't Agency Debt | ₹139.71 Cr | 1.12% |
| National Bank for Agriculture and Rural Development | Bond - Gov't Agency Debt | ₹139.41 Cr | 1.11% |
| Cholamandalam Investment And Finance Company Limited | Bond - Corporate Bond | ₹122.74 Cr | 0.98% |
| 08.29 MH Sdl 2025 | Bond - Gov't/Treasury | ₹100.67 Cr | 0.80% |
| LIC Housing Finance Limited | Bond - Corporate Bond | ₹99.93 Cr | 0.80% |
| Poonawalla Housing Finance Limited | Bond - Corporate Bond | ₹99.91 Cr | 0.80% |
| Hdb Financial Services Limited | Bond - Corporate Bond | ₹99.72 Cr | 0.80% |
| John Deere Financial India Private Limited | Bond - Corporate Bond | ₹99.48 Cr | 0.80% |
| 06.04 GJ Sdl 2031 | Bond - Gov't/Treasury | ₹98.87 Cr | 0.79% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹96.76 Cr | 0.77% |
| Bahadur Chand Investments Private Limited | Cash - Commercial Paper | ₹96.64 Cr | 0.77% |
| 364 DTB 26122025 | Bond - Gov't/Treasury | ₹95.13 Cr | 0.76% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹94.49 Cr | 0.76% |
| 182 Days Tbill (Md 01/05/2025) | Bond - Gov't/Treasury | ₹94.22 Cr | 0.75% |
| ICICI Securities Limited | Cash - Commercial Paper | ₹93.75 Cr | 0.75% |
| IDFC First Bank Limited | Cash - CD/Time Deposit | ₹93.68 Cr | 0.75% |
| Muthoot Finance Ltd. | Cash - Commercial Paper | ₹93.68 Cr | 0.75% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹93.67 Cr | 0.75% |
| IDFC First Bank Limited | Cash - CD/Time Deposit | ₹93.65 Cr | 0.75% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹93.56 Cr | 0.75% |
| Aditya Birla Finance Limited | Cash - Commercial Paper | ₹93.39 Cr | 0.75% |
| Canara Bank | Cash - CD/Time Deposit | ₹93.29 Cr | 0.75% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹93.17 Cr | 0.74% |
| Canara Bank | Bond - Gov't Agency Debt | ₹93.01 Cr | 0.74% |
| Bank of Baroda | Bond - Corporate Bond | ₹93.01 Cr | 0.74% |
| Embassy Office Parks REIT 0.0817% | Bond - Corporate Bond | ₹90.07 Cr | 0.72% |
| Bharti Telecom Limited 8.65% | Bond - Corporate Bond | ₹75.42 Cr | 0.60% |
| 07.07 Tn SDL 2026 | Bond - Gov't/Treasury | ₹75.3 Cr | 0.60% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹75.11 Cr | 0.60% |
| Net Current Assets/(Liabilities) | Cash - Collateral | ₹73.11 Cr | 0.58% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹69.95 Cr | 0.56% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹69.9 Cr | 0.56% |
| IDBI Bank Limited | Cash - CD/Time Deposit | ₹69.85 Cr | 0.56% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹54.78 Cr | 0.44% |
| Bajaj Housing Finance Ltd. 0.08% | Bond - Corporate Bond | ₹50.07 Cr | 0.40% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹49.93 Cr | 0.40% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹49.77 Cr | 0.40% |
| Small Industries Development Bank of India | Cash - CD/Time Deposit | ₹47.77 Cr | 0.38% |
| Muthoot Finance Limited | Cash - Commercial Paper | ₹46.77 Cr | 0.37% |
| 07.57 GJ Sgs 2026 | Bond - Gov't/Treasury | ₹45.52 Cr | 0.36% |
| SBI ALTERNATIVE INVESTMENT FUND | Mutual Fund - Open End | ₹39.33 Cr | 0.31% |
| SANSAR TRUST SEP 2023 IX | Bond - Asset Backed | ₹28.7 Cr | 0.23% |
| 08.24 Tn SDL 2025sep | Bond - Gov't/Treasury | ₹25.17 Cr | 0.20% |
| Godrej Industries Limited | Bond - Corporate Bond | ₹24.94 Cr | 0.20% |
| Sikka Ports & Terminals Limited | Bond - Corporate Bond | ₹24.7 Cr | 0.20% |
| Axis Bank Ltd. | Cash - CD/Time Deposit | ₹24.68 Cr | 0.20% |
| Goi 12.09.2025 Gov | Bond - Gov't/Treasury | ₹24.23 Cr | 0.19% |
| 0% GOI - 17122026 STRIPS | Bond - Gov't/Treasury | ₹22.51 Cr | 0.18% |
| Ongc Petro Additions Limited | Bond - Corporate Bond | ₹15 Cr | 0.12% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Cash - CD/Time Deposit | ₹4,804.9 Cr | 38.40% |
| Bond - Corporate Bond | ₹3,674.75 Cr | 29.37% |
| Bond - Gov't/Treasury | ₹1,613.07 Cr | 12.89% |
| Cash - Commercial Paper | ₹1,468.15 Cr | 11.73% |
| Bond - Gov't Agency Debt | ₹372.13 Cr | 2.97% |
| Cash - Repurchase Agreement | ₹271.2 Cr | 2.17% |
| Bond - Asset Backed | ₹194.9 Cr | 1.56% |
| Cash - Collateral | ₹73.11 Cr | 0.58% |
| Mutual Fund - Open End | ₹39.33 Cr | 0.31% |
Risk & Performance Ratios
Standard Deviation
This fund
0.42%
Cat. avg.
0.57%
Lower the better
Sharpe Ratio
This fund
1.05
Cat. avg.
-0.47
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
-0.19
Higher the better
Fund Managers
DA
Deepak Agrawal
Since April 2008
Manu Sharma
Since November 2022
Additional Scheme Detailsas of 15th March 2025
ISIN INF174K01JP2 | Expense Ratio 0.36% | Exit Load No Charges | Fund Size ₹12,512 Cr | Age 12 years 2 months | Lumpsum Minimum ₹100 | Fund Status Open Ended Investment Company | Benchmark NIFTY Ultra Short Duration Debt 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 Ultra Short Duration Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y |
|---|---|---|---|---|
| PGIM India Ultra Short Duration Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹205.52 Cr | 6.8% |
| Canara Robeco Ultra Short Term Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹595.44 Cr | 6.8% |
| Baroda BNP Paribas Ultra Short Duration Fund Regular Growth Low to Moderate Risk | 0.5% | 0.0% | ₹1407.51 Cr | 7.4% |
| Baroda BNP Paribas Ultra Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹1407.51 Cr | 7.6% |
| LIC MF Ultra Short Duration Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹365.85 Cr | 7.7% |
| LIC MF Ultra Short Duration Fund Regular Growth Moderate Risk | 0.9% | 0.0% | ₹365.85 Cr | 6.9% |
| UTI Ultra Short Term Fund Regular Growth Moderate Risk | 0.9% | 0.0% | ₹3384.64 Cr | 7.1% |
| Nippon India Ultra Short Duration Fund Regular Growth Moderate Risk | 1.1% | 0.0% | ₹7364.20 Cr | 7.2% |
| Mahindra Manulife Ultra Short Duration Fund Regular Growth Low to Moderate Risk | 0.7% | 0.0% | ₹220.62 Cr | 7.3% |
| Mahindra Manulife Ultra Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹220.62 Cr | 7.8% |
About the AMC
Kotak Mahindra Mutual Fund
Total AUM
₹5,09,747 Cr
Address
2nd Floor, 12-BKC, Plot No C-12, Mumbai, 400 051
Other Funds by Kotak Mahindra Mutual Fund
Related Articles
Still got questions?
We're here to help.
What is the current NAV of Kotak Savings Fund Direct Growth?
The NAV of Kotak Savings Fund Direct Growth, as of 27-Mar-2025, is ₹43.98.
What are the returns of Kotak Savings Fund Direct Growth?
The fund has generated 7.68% over the last 1 year and 6.90% 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 Savings Fund Direct Growth?
The fund's allocation of assets is distributed as 0.00% in equities, 40.30% in bonds, and 59.38% in cash and cash equivalents.
Who manages the Kotak Savings Fund Direct Growth?
The fund managers responsible for Kotak Savings Fund Direct Growth are:-
- Deepak Agrawal
- Manu Sharma
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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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Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
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