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Kotak Savings Fund Regular Growth
DebtUltra Short DurationLow to Moderate Risk
Regular
NAV (21-Nov-24)
₹41.050.03%1D
Returns (Since Inception)
7.21%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹12,502 Cr
Expense Ratio
0.81%
ISIN
INF174K01FD6
Minimum SIP
₹100
Exit Load
No Charges
Inception Date
13 Aug 2004
About this fund
Kotak Savings Fund Regular Growth is a Ultra Short Duration mutual fund schemes offered by Kotak Mahindra Mutual Fund. This fund has been in existence for 20 years, 3 months and 9 days, having been launched on 13-Aug-04.
As of 21-Nov-24, it has a Net Asset Value (NAV) of ₹41.05, Assets Under Management (AUM) of 12502.01 Crores, and an expense ratio of 0.81%.
As of 21-Nov-24, it has a Net Asset Value (NAV) of ₹41.05, Assets Under Management (AUM) of 12502.01 Crores, and an expense ratio of 0.81%.
- Kotak Savings Fund Regular Growth has given a CAGR return of 7.21% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 36.76% in debts, and 62.95% in cash & cash equivalents.
- You can start investing in Kotak Savings Fund Regular 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
+7.20%
+6.45% (Cat Avg.)
3 Years
+6.04%
+5.73% (Cat Avg.)
5 Years
+5.47%
+5.17% (Cat Avg.)
10 Years
+6.63%
+5.49% (Cat Avg.)
Since Inception
+7.21%
— (Cat Avg.)
Portfolio Summaryas of 31st October 2024
| Debt | ₹4,595.24 Cr | 36.76% |
| Others | ₹7,906.77 Cr | 63.24% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Axis Bank Ltd.** Cd | Cash | ₹915.05 Cr | 7.32% |
| Hdfc Bank Ltd.** Cd | Cash | ₹802.13 Cr | 6.42% |
| 182 DTB 12122024 | Bond - Gov't/Treasury | ₹496.4 Cr | 3.97% |
| 364 Days T - Bill- 06/02/2025 | Bond - Gov't/Treasury | ₹393.16 Cr | 3.14% |
| National Bank For Agriculture & Rural Development(^)** Cd | Cash | ₹389.3 Cr | 3.11% |
| INDIA UNIVERSAL TRUST AL1 | Bond - Asset Backed | ₹367.78 Cr | 2.94% |
| Punjab National Bank(^) Cd | Cash | ₹366.55 Cr | 2.93% |
| Punjab National Bank(^)** Cd | Cash | ₹339.54 Cr | 2.72% |
| Mankind Pharma Ltd | Bond - Corporate Bond | ₹301.37 Cr | 2.41% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹298.13 Cr | 2.38% |
| Icici Bank Ltd.** Cd | Cash | ₹293.77 Cr | 2.35% |
| Indian Bank Cd | Cash | ₹292.45 Cr | 2.34% |
| Small Industries Development Bank Of India** Cd | Cash | ₹291.24 Cr | 2.33% |
| Canara Bank Cd | Cash | ₹268.48 Cr | 2.15% |
| Nirma Limited 0.083% | Bond - Corporate Bond | ₹250.15 Cr | 2.00% |
| Idfc First Bank Limited** Cd | Cash | ₹244.29 Cr | 1.95% |
| Federal Bank Ltd.** Cd | Cash | ₹243.56 Cr | 1.95% |
| National Bank For Agriculture & Rural Development** Cd | Cash | ₹243.35 Cr | 1.95% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹225.83 Cr | 1.81% |
| Hindustan Zinc Ltd.** Cp | Cash | ₹198.07 Cr | 1.58% |
| 182 DTB 23012025 | Bond - Gov't/Treasury | ₹197.09 Cr | 1.58% |
| Cholamandalam Investment And Finance Company Ltd.(^) Cp | Cash | ₹195.3 Cr | 1.56% |
| Bank Of India** Cd | Cash | ₹195.2 Cr | 1.56% |
| Indusind Bank Ltd.** Cd | Cash | ₹192.68 Cr | 1.54% |
| Bharti Telecom Ltd.** Cp | Cash | ₹185.25 Cr | 1.48% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹174.48 Cr | 1.40% |
| Indinfravit Trust | Bond - Corporate Bond | ₹174.08 Cr | 1.39% |
| Small Industries Development Bank Of India** Cp | Cash | ₹170.95 Cr | 1.37% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹150.41 Cr | 1.20% |
| LIC Housing Finance Limited | Bond - Corporate Bond | ₹150.33 Cr | 1.20% |
| 5.65 Tamil Nadu SDL 2025 | Bond - Gov't/Treasury | ₹149.04 Cr | 1.19% |
| Aditya Birla Finance Ltd.** Cp | Cash | ₹147.44 Cr | 1.18% |
| 182 D Tbill Mat - 14/02/2025 | Bond - Gov't/Treasury | ₹147.22 Cr | 1.18% |
| Punjab National Bank** Cd | Cash | ₹147.16 Cr | 1.18% |
| Embassy Office Parks Reit | Bond - Corporate Bond | ₹124.97 Cr | 1.00% |
| Net Current Assets/(Liabilities) | Cash | ₹122.48 Cr | 0.98% |
| Cholamandalam Investment And Finance Company Limited | Bond - Corporate Bond | ₹119.22 Cr | 0.95% |
| 08.29 MH Sdl 2025 | Bond - Gov't/Treasury | ₹101.15 Cr | 0.81% |
| Titan Company Limited | Bond - Corporate Bond | ₹100.18 Cr | 0.80% |
| LIC Housing Finance Limited | Bond - Corporate Bond | ₹99.95 Cr | 0.80% |
| Poonawalla Housing Finance Limited | Bond - Corporate Bond | ₹99.93 Cr | 0.80% |
| Hdb Financial Services Limited | Bond - Corporate Bond | ₹99.75 Cr | 0.80% |
| John Deere Financial India Private Limited | Bond - Corporate Bond | ₹99.04 Cr | 0.79% |
| 06.04 GJ Sdl 2031 | Bond - Gov't/Treasury | ₹98.49 Cr | 0.79% |
| Punjab National Bank Cd | Cash | ₹98.24 Cr | 0.79% |
| Muthoot Finance Ltd.** Cp | Cash | ₹98.19 Cr | 0.79% |
| Hero Fincorp Ltd.** Cp | Cash | ₹97.91 Cr | 0.78% |
| Bahadur Chand Investments Private Limited** Cp | Cash | ₹93.72 Cr | 0.75% |
| Embassy Office Parks REIT 0.0817% | Bond - Corporate Bond | ₹90.26 Cr | 0.72% |
| 07.07 Tn SDL 2026 | Bond - Gov't/Treasury | ₹75.29 Cr | 0.60% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹75.13 Cr | 0.60% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹74.54 Cr | 0.60% |
| Barclays Investments & Loan (India) Pvt. Ltd.** Cp | Cash | ₹73.24 Cr | 0.59% |
| Union Bank Of India** Cd | Cash | ₹72.99 Cr | 0.58% |
| Bajaj Housing Finance Ltd. 0.08% | Bond - Corporate Bond | ₹50.13 Cr | 0.40% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹50.03 Cr | 0.40% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹50.01 Cr | 0.40% |
| 7.03% Govt Stock 2024 | Bond - Gov't/Treasury | ₹50 Cr | 0.40% |
| Kotak Mahindra Prime Limited | Bond - Corporate Bond | ₹49.95 Cr | 0.40% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹49.91 Cr | 0.40% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹49.87 Cr | 0.40% |
| Hdb Financial Services Limited | Bond - Corporate Bond | ₹49.67 Cr | 0.40% |
| SANSAR TRUST MARCH 2023 II | Bond - Asset Backed | ₹49.56 Cr | 0.40% |
| Cholamandalam Investment And Finance Company Ltd.** Cp | Cash | ₹49.2 Cr | 0.39% |
| Indian Bank** Cd | Cash | ₹48.71 Cr | 0.39% |
| SANSAR TRUST SEP 2023 IX | Bond - Asset Backed | ₹47.66 Cr | 0.38% |
| 07.57 GJ Sgs 2026 | Bond - Gov't/Treasury | ₹45.57 Cr | 0.36% |
| SBI ALTERNATIVE INVESTMENT FUND | Mutual Fund - Open End | ₹37.32 Cr | 0.30% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹35.18 Cr | 0.28% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹29.91 Cr | 0.24% |
| 08.24 Tn SDL 2025sep | Bond - Gov't/Treasury | ₹25.3 Cr | 0.20% |
| 6.18% Govt Stock 2024 | Bond - Gov't/Treasury | ₹25 Cr | 0.20% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹24.97 Cr | 0.20% |
| Muthoot Finance Limited | Bond - Corporate Bond | ₹24.86 Cr | 0.20% |
| Godrej Industries Limited | Bond - Corporate Bond | ₹24.86 Cr | 0.20% |
| Sikka Ports & Terminals Limited | Bond - Corporate Bond | ₹24.66 Cr | 0.20% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹24.65 Cr | 0.20% |
| Goi 12.09.2025 Gov | Bond - Gov't/Treasury | ₹23.65 Cr | 0.19% |
| 0% GOI - 17122026 STRIPS | Bond - Gov't/Treasury | ₹21.94 Cr | 0.18% |
| Ongc Petro Additions Limited | Bond - Corporate Bond | ₹15.01 Cr | 0.12% |
| PNb Housing Finance Limited | Bond - Corporate Bond | ₹12.51 Cr | 0.10% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Cash | ₹6,876.47 Cr | 55.00% |
| Bond - Corporate Bond | ₹3,273.91 Cr | 26.19% |
| Bond - Gov't/Treasury | ₹1,849.31 Cr | 14.79% |
| Bond - Asset Backed | ₹465 Cr | 3.72% |
| Mutual Fund - Open End | ₹37.32 Cr | 0.30% |
| Cash - CD/Time Deposit | ₹0 Cr | - |
| Cash - Commercial Paper | ₹0 Cr | - |
| Bond - Gov't Agency Debt | ₹0 Cr | - |
Risk & Performance Ratios
Standard Deviation
This fund
0.48%
Cat. avg.
0.70%
Lower the better
Sharpe Ratio
This fund
-0.51
Cat. avg.
-0.63
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
-0.35
Higher the better
Fund Managers
DA
Deepak Agrawal
Since April 2008
Manu Sharma
Since November 2022
Additional Scheme Detailsas of 31st October 2024
ISIN INF174K01FD6 | Expense Ratio 0.81% | Exit Load No Charges | Fund Size ₹12,502 Cr | Age 20 years 3 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% | ₹242.78 Cr | 6.9% |
| Canara Robeco Ultra Short Term Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹627.14 Cr | 6.8% |
| Baroda BNP Paribas Ultra Short Duration Fund Regular Growth Low to Moderate Risk | 0.5% | 0.0% | ₹1304.45 Cr | 7.5% |
| Baroda BNP Paribas Ultra Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹1304.45 Cr | 7.6% |
| LIC MF Ultra Short Duration Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹246.19 Cr | 7.6% |
| LIC MF Ultra Short Duration Fund Regular Growth Moderate Risk | 0.9% | 0.0% | ₹246.19 Cr | 6.8% |
| UTI Ultra Short Term Fund Regular Growth Moderate Risk | 0.9% | 0.0% | ₹3046.30 Cr | 7.2% |
| Nippon India Ultra Short Duration Fund Regular Growth Moderate Risk | 1.1% | 0.0% | ₹8313.36 Cr | 7.2% |
| Mahindra Manulife Ultra Short Duration Fund Regular Growth Low to Moderate Risk | 0.7% | 0.0% | ₹229.27 Cr | 7.3% |
| Mahindra Manulife Ultra Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹229.27 Cr | 7.8% |
About the AMC
Kotak Mahindra Mutual Fund
Total AUM
₹5,12,585 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
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Still got questions?
We're here to help.
What is the current NAV of Kotak Savings Fund Regular Growth?
The NAV of Kotak Savings Fund Regular Growth, as of 21-Nov-2024, is ₹41.05.
What are the returns of Kotak Savings Fund Regular Growth?
The fund has generated 7.20% over the last 1 year and 6.04% 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 Regular Growth?
The fund's allocation of assets is distributed as 0.00% in equities, 36.76% in bonds, and 62.95% in cash and cash equivalents.
Who manages the Kotak Savings Fund Regular Growth?
The fund managers responsible for Kotak Savings Fund Regular Growth are:-
- Deepak Agrawal
- Manu Sharma
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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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.
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.