Kotak Savings Fund Regular Growth
DebtUltra Short DurationLow to Moderate Risk
Regular
NAV (06-Sep-24)
₹40.460.02%1D
Returns (Since Inception)
7.21%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹12,994 Cr
Expense Ratio
0.80%
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 and 25 days, having been launched on 13-Aug-04.
As of 06-Sep-24, it has a Net Asset Value (NAV) of ₹40.46, Assets Under Management (AUM) of 12993.75 Crores, and an expense ratio of 0.8%.
As of 06-Sep-24, it has a Net Asset Value (NAV) of ₹40.46, Assets Under Management (AUM) of 12993.75 Crores, and an expense ratio of 0.8%.
- 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, 48.28% in debts, and 51.44% 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
+7.01%
+6.46% (Cat Avg.)
3 Years
+5.72%
+5.54% (Cat Avg.)
5 Years
+5.46%
+5.07% (Cat Avg.)
10 Years
+6.69%
+5.56% (Cat Avg.)
Since Inception
+7.21%
— (Cat Avg.)
Portfolio Summaryas of 15th August 2024
| Debt | ₹6,273.33 Cr | 48.28% |
| Others | ₹6,720.42 Cr | 51.72% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Punjab National Bank | Cash - CD/Time Deposit | ₹601.1 Cr | 4.63% |
| 182 DTB 12122024 | Bond - Gov't/Treasury | ₹489.45 Cr | 3.77% |
| India (Republic of) | Bond - Short-term Government Bills | ₹398.09 Cr | 3.06% |
| India (Republic of) | Bond - Short-term Government Bills | ₹387.62 Cr | 2.98% |
| National Bank for Agriculture and Rural Development | Cash - CD/Time Deposit | ₹383.11 Cr | 2.95% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹366.68 Cr | 2.82% |
| Punjab National Bank | Cash - CD/Time Deposit | ₹334.03 Cr | 2.57% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹296.96 Cr | 2.29% |
| Indian Bank | Cash - CD/Time Deposit | ₹287.77 Cr | 2.21% |
| Nirma Limited 0.083% | Bond - Corporate Bond | ₹249.95 Cr | 1.92% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹243.84 Cr | 1.88% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹242.33 Cr | 1.86% |
| Panatone Finvest Limited | Cash - Commercial Paper | ₹242.02 Cr | 1.86% |
| IDFC First Bank Ltd. | Bond - Corporate Bond | ₹240.32 Cr | 1.85% |
| The Federal Bank Limited | Cash - CD/Time Deposit | ₹239.67 Cr | 1.84% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹235.61 Cr | 1.81% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹226.03 Cr | 1.74% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹195.34 Cr | 1.50% |
| 182 DTB 23012025 | Bond - Gov't/Treasury | ₹194.31 Cr | 1.50% |
| ICICI Bank Ltd. | Bond - Corporate Bond | ₹192.38 Cr | 1.48% |
| Small Industries Development Bank of India | Bond - Corporate Bond | ₹192.25 Cr | 1.48% |
| Cholamandalam Investment & Finance Co Ltd. | Cash - Commercial Paper | ₹192.03 Cr | 1.48% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹188.63 Cr | 1.45% |
| Indinfravit Trust | Bond - Corporate Bond | ₹175.08 Cr | 1.35% |
| HDFC Bank Limited | Bond - Corporate Bond | ₹174.88 Cr | 1.35% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹173.86 Cr | 1.34% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹169.63 Cr | 1.31% |
| Small Industries Development Bank Of India | Cash - Commercial Paper | ₹168.17 Cr | 1.29% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹168.03 Cr | 1.29% |
| National Bank for Agriculture and Rural Development | Cash - CD/Time Deposit | ₹167.35 Cr | 1.29% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹150.5 Cr | 1.16% |
| LIC Housing Finance Limited | Bond - Corporate Bond | ₹150.13 Cr | 1.16% |
| Cholamandalam Investment And Finance Company Limited | Bond - Corporate Bond | ₹149.59 Cr | 1.15% |
| 5.65 Tamil Nadu SDL 2025 | Bond - Gov't/Treasury | ₹148.58 Cr | 1.14% |
| 364 DTB 05122024 | Bond - Gov't/Treasury | ₹147.02 Cr | 1.13% |
| Aditya Birla Finance Limited | Cash - Commercial Paper | ₹145 Cr | 1.12% |
| Axis Bank Ltd. | Bond - Corporate Bond | ₹144.99 Cr | 1.12% |
| Punjab National Bank | Cash - CD/Time Deposit | ₹144.81 Cr | 1.11% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹144.02 Cr | 1.11% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹143.85 Cr | 1.11% |
| ICICI Home Finance Company Limited | Bond - Corporate Bond | ₹130 Cr | 1.00% |
| Embassy Office Parks Reit | Bond - Corporate Bond | ₹124.83 Cr | 0.96% |
| SANSAR TRUST MARCH 2023 II | Bond - Asset Backed | ₹122.09 Cr | 0.94% |
| Canara Bank | Cash - CD/Time Deposit | ₹121.19 Cr | 0.93% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹113.99 Cr | 0.88% |
| Net Current Assets/(Liabilities) | Cash - Collateral | ₹108.13 Cr | 0.83% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹104.62 Cr | 0.81% |
| Titan Company Limited | Bond - Corporate Bond | ₹100.11 Cr | 0.77% |
| Cholamandalam Investment And Finance Company Limited | Bond - Corporate Bond | ₹100 Cr | 0.77% |
| Poonawalla Housing Finance Limited | Bond - Corporate Bond | ₹99.96 Cr | 0.77% |
| LIC Housing Finance Limited | Bond - Corporate Bond | ₹99.75 Cr | 0.77% |
| Hdb Financial Services Limited | Bond - Corporate Bond | ₹99.65 Cr | 0.77% |
| John Deere Financial India Private Limited | Bond - Corporate Bond | ₹98.59 Cr | 0.76% |
| The Federal Bank Limited | Cash - CD/Time Deposit | ₹97.91 Cr | 0.75% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹97.07 Cr | 0.75% |
| Indusind Bank Ltd. | Bond - Corporate Bond | ₹96.79 Cr | 0.74% |
| ICICI Bank Ltd. | Bond - Corporate Bond | ₹96.67 Cr | 0.74% |
| Punjab National Bank | Bond - Gov't Agency Debt | ₹96.65 Cr | 0.74% |
| Muthoot Finance Ltd. | Cash - Commercial Paper | ₹96.41 Cr | 0.74% |
| Axis Bank Ltd. | Bond - Corporate Bond | ₹96.26 Cr | 0.74% |
| Hero Fincorp Limited | Cash - Commercial Paper | ₹96.23 Cr | 0.74% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹96.13 Cr | 0.74% |
| Embassy Office Parks REIT 0.0817% | Bond - Corporate Bond | ₹90.26 Cr | 0.69% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹74.97 Cr | 0.58% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹74.16 Cr | 0.57% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹72.45 Cr | 0.56% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹72.12 Cr | 0.56% |
| Barclays Investments & Loans (India) Limited | Cash - Commercial Paper | ₹71.96 Cr | 0.55% |
| SANSAR TRUST SEP 2023 IX | Bond - Asset Backed | ₹64.53 Cr | 0.50% |
| Cholamandalam Investment And Finance Company Limited | Bond - Corporate Bond | ₹58.55 Cr | 0.45% |
| Bajaj Housing Finance Ltd. 0.08% | Bond - Corporate Bond | ₹50.03 Cr | 0.39% |
| 7.03% Govt Stock 2024 | Bond - Gov't/Treasury | ₹50.01 Cr | 0.38% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹50 Cr | 0.38% |
| Kotak Mahindra Prime Limited | Bond - Corporate Bond | ₹49.93 Cr | 0.38% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹49.92 Cr | 0.38% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹49.85 Cr | 0.38% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹49.77 Cr | 0.38% |
| Hdb Financial Services Limited | Bond - Corporate Bond | ₹49.51 Cr | 0.38% |
| Cholamandalam Investment & Finance Co Ltd. | Bond - Corporate Bond | ₹48.36 Cr | 0.37% |
| SBI ALTERNATIVE INVESTMENT FUND | Mutual Fund - Open End | ₹37.02 Cr | 0.28% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹35.23 Cr | 0.27% |
| India (Republic of) | Bond - Short-term Government Bills | ₹29.89 Cr | 0.23% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹29.86 Cr | 0.23% |
| 6.18% Govt Stock 2024 | Bond - Gov't/Treasury | ₹24.96 Cr | 0.19% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹24.93 Cr | 0.19% |
| Godrej Industries Limited | Bond - Corporate Bond | ₹24.79 Cr | 0.19% |
| Muthoot Finance Limited | Bond - Corporate Bond | ₹24.77 Cr | 0.19% |
| Sikka Ports & Terminals Limited | Bond - Corporate Bond | ₹24.58 Cr | 0.19% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹24.55 Cr | 0.19% |
| Canara Bank | Cash - CD/Time Deposit | ₹24.23 Cr | 0.19% |
| Goi 12.09.2025 Gov | Bond - Gov't/Treasury | ₹23.3 Cr | 0.18% |
| 0% GOI - 17122026 STRIPS | Bond - Gov't/Treasury | ₹21.58 Cr | 0.17% |
| Ongc Petro Additions Limited | Bond - Corporate Bond | ₹14.98 Cr | 0.12% |
| PNb Housing Finance Limited | Bond - Corporate Bond | ₹12.51 Cr | 0.10% |
| Triparty Repo | Cash - Repurchase Agreement | ₹7.1 Cr | 0.05% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹5.01 Cr | 0.04% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Bond - Corporate Bond | ₹4,962.69 Cr | 38.19% |
| Cash - CD/Time Deposit | ₹4,668.89 Cr | 35.93% |
| Bond - Gov't/Treasury | ₹1,099.22 Cr | 8.46% |
| Cash - Commercial Paper | ₹1,011.82 Cr | 7.79% |
| Bond - Short-term Government Bills | ₹815.6 Cr | 6.28% |
| Bond - Asset Backed | ₹186.61 Cr | 1.44% |
| Cash - Collateral | ₹108.13 Cr | 0.83% |
| Bond - Gov't Agency Debt | ₹96.65 Cr | 0.74% |
| Mutual Fund - Open End | ₹37.02 Cr | 0.28% |
| Cash - Repurchase Agreement | ₹7.1 Cr | 0.05% |
Risk & Performance Ratios
Standard Deviation
This fund
0.52%
Cat. avg.
0.75%
Lower the better
Sharpe Ratio
This fund
-0.82
Cat. avg.
-0.82
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
-0.38
Higher the better
Fund Managers
Additional Scheme Detailsas of 15th August 2024
ISIN | INF174K01FD6 | Expense Ratio | 0.80% | Exit Load | No Charges | Fund Size | ₹12,994 Cr | Age | 13 Aug 2004 | 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:
- For investments made on or after 1 April 2023: The entire capital gain is added to the investor's income and is taxed based on the applicable income tax slab.
- For investments made before 1 April 2023:
- If sold within 2 years of investment: The capital gains are added to the investor's income and taxed according to the applicable tax slab.
- If sold after 2 years of investment: The capital gains are taxed at a flat rate of 12.5%.
- Holding the units: No tax is applicable as long as you hold the units.
Dividend Taxation:
Dividends are considered part of the investor’s income and are taxed according to their applicable tax slab. Additionally, if an investor’s dividend income exceeds INR 5,000 in a financial year, a 10% Tax Deducted at Source (TDS) is withheld by the fund house before distributing the dividend.
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% | ₹236.10 Cr | 6.7% |
| Canara Robeco Ultra Short Term Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹551.95 Cr | 6.6% |
| Baroda BNP Paribas Ultra Short Duration Fund Regular Growth Low to Moderate Risk | 0.5% | 0.0% | ₹1247.36 Cr | 7.3% |
| Baroda BNP Paribas Ultra Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹1247.36 Cr | 7.5% |
| LIC MF Ultra Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹195.99 Cr | 7.4% |
| LIC MF Ultra Short Duration Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹195.99 Cr | 6.6% |
| UTI Ultra Short Term Fund Regular Growth Moderate Risk | 1.0% | 0.0% | ₹2139.50 Cr | 7.0% |
| Nippon India Ultra Short Duration Fund Regular Growth Moderate Risk | 1.1% | 0.0% | ₹7599.90 Cr | 7.0% |
| Mahindra Manulife Ultra Short Duration Fund Regular Growth Low to Moderate Risk | 0.7% | 0.0% | ₹250.38 Cr | 7.1% |
| Mahindra Manulife Ultra Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹250.38 Cr | 7.6% |
About the AMC
Total AUM
₹4,96,460 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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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 06-Sep-2024, is ₹40.46.
What are the returns of Kotak Savings Fund Regular Growth?
The fund has generated 7.01% over the last 1 year and 5.72% 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, 48.28% in bonds, and 51.44% 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
- Palha Khanna
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 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.
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 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.