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Kotak Savings Fund Direct Growth
DebtUltra Short DurationLow to Moderate Risk
Direct
NAV (30-Jun-25)
₹44.960.06%1D
Returns (Since Inception)
7.47%
Rated ★4.3+ on 
Fund Overview
Fund Size
₹16,014 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 and 6 months, having been launched on 01-Jan-13.
As of 30-Jun-25, it has a Net Asset Value (NAV) of ₹44.96, Assets Under Management (AUM) of 16013.54 Crores, and an expense ratio of 0.36%.
As of 30-Jun-25, it has a Net Asset Value (NAV) of ₹44.96, Assets Under Management (AUM) of 16013.54 Crores, and an expense ratio of 0.36%.
- Kotak Savings Fund Direct Growth has given a CAGR return of 7.47% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 43.84% in debts, and 55.91% 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
+7.94%
+7.08% (Cat Avg.)
3 Years
+7.36%
+6.69% (Cat Avg.)
5 Years
+6.00%
+5.50% (Cat Avg.)
10 Years
+6.99%
+5.60% (Cat Avg.)
Since Inception
+7.47%
— (Cat Avg.)
Portfolio Summaryas of 15th June 2025
| Debt | ₹7,020.41 Cr | 43.84% |
| Others | ₹8,993.13 Cr | 56.16% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 8.2% Govt Stock 2025 | Bond - Gov't/Treasury | ₹805.28 Cr | 5.03% |
| Triparty Repo | Cash - Repurchase Agreement | ₹654.4 Cr | 4.09% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹650.39 Cr | 4.06% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹564.23 Cr | 3.52% |
| Indian Bank | Cash - CD/Time Deposit | ₹482.09 Cr | 3.01% |
| Canara Bank | Cash - CD/Time Deposit | ₹480.85 Cr | 3.00% |
| Rec Limited | Bond - Corporate Bond | ₹478.4 Cr | 2.99% |
| Bharti Telecom Limited | Cash - Commercial Paper | ₹439.7 Cr | 2.75% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹437.17 Cr | 2.73% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹382.26 Cr | 2.39% |
| Mankind Pharma Limited | Bond - Corporate Bond | ₹303.45 Cr | 1.89% |
| Punjab National Bank (18/03/2026) | Cash - CD/Time Deposit | ₹262.63 Cr | 1.64% |
| Torrent Electricals Limited (27/08/2025) ** | Cash - Commercial Paper | ₹246.71 Cr | 1.54% |
| 182 Days Tbill | Bond - Gov't/Treasury | ₹246.59 Cr | 1.54% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹243.11 Cr | 1.52% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹242.44 Cr | 1.51% |
| 364 DTB 19mar2026 | Bond - Gov't/Treasury | ₹240.04 Cr | 1.50% |
| India (Republic of) | Bond - Short-term Government Bills | ₹237.87 Cr | 1.49% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹236.01 Cr | 1.47% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹228.33 Cr | 1.43% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹226.14 Cr | 1.41% |
| 08.49 Tn SDL 2026 | Bond - Gov't/Treasury | ₹204.47 Cr | 1.28% |
| Vedanta Limited | Bond - Corporate Bond | ₹200.98 Cr | 1.26% |
| Poonawalla Fincorp Ltd. | Bond - Corporate Bond | ₹200.41 Cr | 1.25% |
| LIQUID GOLD SERIES 9 | Bond - Asset Backed | ₹194.99 Cr | 1.22% |
| Punjab National Bank | Cash - CD/Time Deposit | ₹194.35 Cr | 1.21% |
| Panatone Finvest Limited | Cash - Commercial Paper | ₹192.48 Cr | 1.20% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹191.37 Cr | 1.20% |
| Credila Financial Services Pvt Ltd | Cash - Commercial Paper | ₹190.97 Cr | 1.19% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹151.62 Cr | 0.95% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹150.66 Cr | 0.94% |
| Indian Bank | Cash - CD/Time Deposit | ₹150.66 Cr | 0.94% |
| Citicorp Finance (India) Limited | Bond - Corporate Bond | ₹150.3 Cr | 0.94% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹144.89 Cr | 0.90% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹144.7 Cr | 0.90% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹144.27 Cr | 0.90% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹144.19 Cr | 0.90% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹144.14 Cr | 0.90% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹143.66 Cr | 0.90% |
| Canara Bank | Cash - CD/Time Deposit | ₹143.57 Cr | 0.90% |
| National Bank For Agriculture & Rural Development** | Cash - CD/Time Deposit | ₹143.32 Cr | 0.90% |
| UCO Bank | Bond - Gov't Agency Debt | ₹141.52 Cr | 0.88% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹141.28 Cr | 0.88% |
| INDIA UNIVERSAL TRUST AL1 | Bond - Asset Backed | ₹134.1 Cr | 0.84% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹131.64 Cr | 0.82% |
| Net Current Assets/(Liabilities) | Cash | ₹124.83 Cr | 0.78% |
| 364 DTB 04122025 | Bond - Gov't/Treasury | ₹102.4 Cr | 0.64% |
| Can Fin Homes Limited | Bond - Corporate Bond | ₹101.21 Cr | 0.63% |
| Jubilant Bevco Limited | Bond - Corporate Bond | ₹101.18 Cr | 0.63% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹100.61 Cr | 0.63% |
| 06.04 GJ Sdl 2031 | Bond - Gov't/Treasury | ₹100.34 Cr | 0.63% |
| Grihum Housing Finance Limited | Bond - Corporate Bond | ₹100.05 Cr | 0.62% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹98.92 Cr | 0.62% |
| Cholamandalam Investment & Finance Co Ltd. | Cash - Commercial Paper | ₹97.5 Cr | 0.61% |
| 364 DTB 26122025 | Bond - Gov't/Treasury | ₹97.21 Cr | 0.61% |
| Canara Bank | Cash - CD/Time Deposit | ₹96.96 Cr | 0.61% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹96.93 Cr | 0.61% |
| ICICI Securities Limited | Cash - Commercial Paper | ₹96.19 Cr | 0.60% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹96.18 Cr | 0.60% |
| IDFC First Bank Limited | Cash - CD/Time Deposit | ₹96.15 Cr | 0.60% |
| IDFC First Bank Limited | Cash - CD/Time Deposit | ₹96.12 Cr | 0.60% |
| Muthoot Finance Ltd. | Cash - Commercial Paper | ₹96.06 Cr | 0.60% |
| Indusind Bank Ltd. | Cash - CD/Time Deposit | ₹95.94 Cr | 0.60% |
| Canara Bank | Cash - CD/Time Deposit | ₹95.85 Cr | 0.60% |
| Aditya Birla Finance Limited | Cash - Commercial Paper | ₹95.85 Cr | 0.60% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹95.64 Cr | 0.60% |
| Canara Bank | Cash - CD/Time Deposit | ₹95.6 Cr | 0.60% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹95.59 Cr | 0.60% |
| Bank of Baroda | Bond - Corporate Bond | ₹95.59 Cr | 0.60% |
| India (Republic of) | Bond - Short-term Government Bills | ₹94.96 Cr | 0.59% |
| Embassy Office Parks Reit | Bond - Corporate Bond | ₹90.37 Cr | 0.56% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹76.57 Cr | 0.48% |
| 07.07 Tn SDL 2026 | Bond - Gov't/Treasury | ₹76.37 Cr | 0.48% |
| Barclays Investments & Loans (India) Limited | Cash - Commercial Paper | ₹73.11 Cr | 0.46% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹71.87 Cr | 0.45% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹71.82 Cr | 0.45% |
| IDBI Bank Limited | Cash - CD/Time Deposit | ₹71.79 Cr | 0.45% |
| Bahadur Chand Investments Private Limited | Cash - Commercial Paper | ₹71.14 Cr | 0.44% |
| Cholamandalam Investment And Finance Company Limited | Bond - Corporate Bond | ₹62.68 Cr | 0.39% |
| Vedanta Limited | Bond - Corporate Bond | ₹60.06 Cr | 0.38% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹55.54 Cr | 0.35% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹50.39 Cr | 0.31% |
| Hindustan Zinc Limited | Bond - Corporate Bond | ₹50.28 Cr | 0.31% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹50.26 Cr | 0.31% |
| Tata Capital Housing Finance Limited | Bond - Corporate Bond | ₹50.05 Cr | 0.31% |
| Hdb Financial Services Limited | Bond - Corporate Bond | ₹50.05 Cr | 0.31% |
| John Deere Financial India Private Limited | Bond - Corporate Bond | ₹50 Cr | 0.31% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹49.73 Cr | 0.31% |
| LIC Housing Finance Ltd. | Cash - Commercial Paper | ₹49.23 Cr | 0.31% |
| Canara Bank | Cash - CD/Time Deposit | ₹48.49 Cr | 0.30% |
| Muthoot Finance Limited | Cash - Commercial Paper | ₹47.97 Cr | 0.30% |
| 07.57 GJ Sgs 2026 | Bond - Gov't/Treasury | ₹46.06 Cr | 0.29% |
| SBI ALTERNATIVE INVESTMENT FUND | Mutual Fund - Open End | ₹40.13 Cr | 0.25% |
| Tata Capital Limited | Bond - Corporate Bond | ₹32.51 Cr | 0.20% |
| Tata Capital Housing Finance Limited | Bond - Corporate Bond | ₹25.27 Cr | 0.16% |
| Sikka Ports & Terminals Limited | Bond - Corporate Bond | ₹25.01 Cr | 0.16% |
| Goi 12.09.2025 Gov | Bond - Gov't/Treasury | ₹24.7 Cr | 0.15% |
| Bharti Telecom Limited | Cash - Commercial Paper | ₹24.57 Cr | 0.15% |
| Canara Bank | Cash - CD/Time Deposit | ₹24.27 Cr | 0.15% |
| 0% GOI - 17122026 STRIPS | Bond - Gov't/Treasury | ₹23.2 Cr | 0.14% |
| SANSAR TRUST SEP 2023 IX | Bond - Asset Backed | ₹18.6 Cr | 0.12% |
| 07.97 Tn SDL 2025 | Bond - Gov't/Treasury | ₹10.08 Cr | 0.06% |
| 07.85 AP Sdl 2026 | Bond - Gov't/Treasury | ₹5.11 Cr | 0.03% |
| 08.29 GJ Sdl 2025 | Bond - Gov't/Treasury | ₹5.03 Cr | 0.03% |
| Canara Bank** | Cash - CD/Time Deposit | ₹4.78 Cr | 0.03% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Cash - CD/Time Deposit | ₹6,036.9 Cr | 37.70% |
| Bond - Corporate Bond | ₹4,626.9 Cr | 28.89% |
| Bond - Gov't/Treasury | ₹1,986.87 Cr | 12.41% |
| Cash - Commercial Paper | ₹1,721.48 Cr | 10.75% |
| Cash - Repurchase Agreement | ₹654.4 Cr | 4.09% |
| Bond - Asset Backed | ₹347.69 Cr | 2.17% |
| Bond - Short-term Government Bills | ₹332.82 Cr | 2.08% |
| Bond - Gov't Agency Debt | ₹141.52 Cr | 0.88% |
| Cash | ₹124.83 Cr | 0.78% |
| Mutual Fund - Open End | ₹40.13 Cr | 0.25% |
Risk & Performance Ratios
Standard Deviation
This fund
0.33%
Cat. avg.
0.49%
Lower the better
Sharpe Ratio
This fund
1.97
Cat. avg.
0.28
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
2.10
Higher the better
Fund Managers
DA
Deepak Agrawal
Since April 2008
Manu Sharma
Since November 2022
Additional Scheme Detailsas of 15th June 2025
ISIN INF174K01JP2 | Expense Ratio 0.36% | Exit Load No Charges | Fund Size ₹16,014 Cr | Age 12 years 6 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
About the AMC
Kotak Mahindra Mutual Fund
Total AUM
₹5,56,416 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 30-Jun-2025, is ₹44.96.
What are the returns of Kotak Savings Fund Direct Growth?
The fund has generated 7.94% over the last 1 year and 7.36% 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, 43.84% in bonds, and 55.91% 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 (30-Jun-25)
₹44.960.06%1D
Returns (Since Inception)
7.47%
Rated ★4.3+ on
Fund Overview
Fund Size
₹16,014 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 and 6 months, having been launched on 01-Jan-13.
As of 30-Jun-25, it has a Net Asset Value (NAV) of ₹44.96, Assets Under Management (AUM) of 16013.54 Crores, and an expense ratio of 0.36%.
As of 30-Jun-25, it has a Net Asset Value (NAV) of ₹44.96, Assets Under Management (AUM) of 16013.54 Crores, and an expense ratio of 0.36%.
- Kotak Savings Fund Direct Growth has given a CAGR return of 7.47% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 43.84% in debts, and 55.91% 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
+7.94%
+7.08% (Cat Avg.)
3 Years
+7.36%
+6.69% (Cat Avg.)
5 Years
+6.00%
+5.50% (Cat Avg.)
10 Years
+6.99%
+5.60% (Cat Avg.)
Since Inception
+7.47%
— (Cat Avg.)
Portfolio Summaryas of 15th June 2025
| Debt | ₹7,020.41 Cr | 43.84% |
| Others | ₹8,993.13 Cr | 56.16% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type | Amount | Holdings |
|---|---|---|---|
| 8.2% Govt Stock 2025 | Bond - Gov't/Treasury | ₹805.28 Cr | 5.03% |
| Triparty Repo | Cash - Repurchase Agreement | ₹654.4 Cr | 4.09% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹650.39 Cr | 4.06% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹564.23 Cr | 3.52% |
| Indian Bank | Cash - CD/Time Deposit | ₹482.09 Cr | 3.01% |
| Canara Bank | Cash - CD/Time Deposit | ₹480.85 Cr | 3.00% |
| Rec Limited | Bond - Corporate Bond | ₹478.4 Cr | 2.99% |
| Bharti Telecom Limited | Cash - Commercial Paper | ₹439.7 Cr | 2.75% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹437.17 Cr | 2.73% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹382.26 Cr | 2.39% |
| Mankind Pharma Limited | Bond - Corporate Bond | ₹303.45 Cr | 1.89% |
| Punjab National Bank (18/03/2026) | Cash - CD/Time Deposit | ₹262.63 Cr | 1.64% |
| Torrent Electricals Limited (27/08/2025) ** | Cash - Commercial Paper | ₹246.71 Cr | 1.54% |
| 182 Days Tbill | Bond - Gov't/Treasury | ₹246.59 Cr | 1.54% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹243.11 Cr | 1.52% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹242.44 Cr | 1.51% |
| 364 DTB 19mar2026 | Bond - Gov't/Treasury | ₹240.04 Cr | 1.50% |
| India (Republic of) | Bond - Short-term Government Bills | ₹237.87 Cr | 1.49% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹236.01 Cr | 1.47% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹228.33 Cr | 1.43% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹226.14 Cr | 1.41% |
| 08.49 Tn SDL 2026 | Bond - Gov't/Treasury | ₹204.47 Cr | 1.28% |
| Vedanta Limited | Bond - Corporate Bond | ₹200.98 Cr | 1.26% |
| Poonawalla Fincorp Ltd. | Bond - Corporate Bond | ₹200.41 Cr | 1.25% |
| LIQUID GOLD SERIES 9 | Bond - Asset Backed | ₹194.99 Cr | 1.22% |
| Punjab National Bank | Cash - CD/Time Deposit | ₹194.35 Cr | 1.21% |
| Panatone Finvest Limited | Cash - Commercial Paper | ₹192.48 Cr | 1.20% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹191.37 Cr | 1.20% |
| Credila Financial Services Pvt Ltd | Cash - Commercial Paper | ₹190.97 Cr | 1.19% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹151.62 Cr | 0.95% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹150.66 Cr | 0.94% |
| Indian Bank | Cash - CD/Time Deposit | ₹150.66 Cr | 0.94% |
| Citicorp Finance (India) Limited | Bond - Corporate Bond | ₹150.3 Cr | 0.94% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹144.89 Cr | 0.90% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹144.7 Cr | 0.90% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹144.27 Cr | 0.90% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹144.19 Cr | 0.90% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹144.14 Cr | 0.90% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹143.66 Cr | 0.90% |
| Canara Bank | Cash - CD/Time Deposit | ₹143.57 Cr | 0.90% |
| National Bank For Agriculture & Rural Development** | Cash - CD/Time Deposit | ₹143.32 Cr | 0.90% |
| UCO Bank | Bond - Gov't Agency Debt | ₹141.52 Cr | 0.88% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹141.28 Cr | 0.88% |
| INDIA UNIVERSAL TRUST AL1 | Bond - Asset Backed | ₹134.1 Cr | 0.84% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹131.64 Cr | 0.82% |
| Net Current Assets/(Liabilities) | Cash | ₹124.83 Cr | 0.78% |
| 364 DTB 04122025 | Bond - Gov't/Treasury | ₹102.4 Cr | 0.64% |
| Can Fin Homes Limited | Bond - Corporate Bond | ₹101.21 Cr | 0.63% |
| Jubilant Bevco Limited | Bond - Corporate Bond | ₹101.18 Cr | 0.63% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹100.61 Cr | 0.63% |
| 06.04 GJ Sdl 2031 | Bond - Gov't/Treasury | ₹100.34 Cr | 0.63% |
| Grihum Housing Finance Limited | Bond - Corporate Bond | ₹100.05 Cr | 0.62% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹98.92 Cr | 0.62% |
| Cholamandalam Investment & Finance Co Ltd. | Cash - Commercial Paper | ₹97.5 Cr | 0.61% |
| 364 DTB 26122025 | Bond - Gov't/Treasury | ₹97.21 Cr | 0.61% |
| Canara Bank | Cash - CD/Time Deposit | ₹96.96 Cr | 0.61% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹96.93 Cr | 0.61% |
| ICICI Securities Limited | Cash - Commercial Paper | ₹96.19 Cr | 0.60% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹96.18 Cr | 0.60% |
| IDFC First Bank Limited | Cash - CD/Time Deposit | ₹96.15 Cr | 0.60% |
| IDFC First Bank Limited | Cash - CD/Time Deposit | ₹96.12 Cr | 0.60% |
| Muthoot Finance Ltd. | Cash - Commercial Paper | ₹96.06 Cr | 0.60% |
| Indusind Bank Ltd. | Cash - CD/Time Deposit | ₹95.94 Cr | 0.60% |
| Canara Bank | Cash - CD/Time Deposit | ₹95.85 Cr | 0.60% |
| Aditya Birla Finance Limited | Cash - Commercial Paper | ₹95.85 Cr | 0.60% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹95.64 Cr | 0.60% |
| Canara Bank | Cash - CD/Time Deposit | ₹95.6 Cr | 0.60% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹95.59 Cr | 0.60% |
| Bank of Baroda | Bond - Corporate Bond | ₹95.59 Cr | 0.60% |
| India (Republic of) | Bond - Short-term Government Bills | ₹94.96 Cr | 0.59% |
| Embassy Office Parks Reit | Bond - Corporate Bond | ₹90.37 Cr | 0.56% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹76.57 Cr | 0.48% |
| 07.07 Tn SDL 2026 | Bond - Gov't/Treasury | ₹76.37 Cr | 0.48% |
| Barclays Investments & Loans (India) Limited | Cash - Commercial Paper | ₹73.11 Cr | 0.46% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹71.87 Cr | 0.45% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹71.82 Cr | 0.45% |
| IDBI Bank Limited | Cash - CD/Time Deposit | ₹71.79 Cr | 0.45% |
| Bahadur Chand Investments Private Limited | Cash - Commercial Paper | ₹71.14 Cr | 0.44% |
| Cholamandalam Investment And Finance Company Limited | Bond - Corporate Bond | ₹62.68 Cr | 0.39% |
| Vedanta Limited | Bond - Corporate Bond | ₹60.06 Cr | 0.38% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹55.54 Cr | 0.35% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹50.39 Cr | 0.31% |
| Hindustan Zinc Limited | Bond - Corporate Bond | ₹50.28 Cr | 0.31% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹50.26 Cr | 0.31% |
| Tata Capital Housing Finance Limited | Bond - Corporate Bond | ₹50.05 Cr | 0.31% |
| Hdb Financial Services Limited | Bond - Corporate Bond | ₹50.05 Cr | 0.31% |
| John Deere Financial India Private Limited | Bond - Corporate Bond | ₹50 Cr | 0.31% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹49.73 Cr | 0.31% |
| LIC Housing Finance Ltd. | Cash - Commercial Paper | ₹49.23 Cr | 0.31% |
| Canara Bank | Cash - CD/Time Deposit | ₹48.49 Cr | 0.30% |
| Muthoot Finance Limited | Cash - Commercial Paper | ₹47.97 Cr | 0.30% |
| 07.57 GJ Sgs 2026 | Bond - Gov't/Treasury | ₹46.06 Cr | 0.29% |
| SBI ALTERNATIVE INVESTMENT FUND | Mutual Fund - Open End | ₹40.13 Cr | 0.25% |
| Tata Capital Limited | Bond - Corporate Bond | ₹32.51 Cr | 0.20% |
| Tata Capital Housing Finance Limited | Bond - Corporate Bond | ₹25.27 Cr | 0.16% |
| Sikka Ports & Terminals Limited | Bond - Corporate Bond | ₹25.01 Cr | 0.16% |
| Goi 12.09.2025 Gov | Bond - Gov't/Treasury | ₹24.7 Cr | 0.15% |
| Bharti Telecom Limited | Cash - Commercial Paper | ₹24.57 Cr | 0.15% |
| Canara Bank | Cash - CD/Time Deposit | ₹24.27 Cr | 0.15% |
| 0% GOI - 17122026 STRIPS | Bond - Gov't/Treasury | ₹23.2 Cr | 0.14% |
| SANSAR TRUST SEP 2023 IX | Bond - Asset Backed | ₹18.6 Cr | 0.12% |
| 07.97 Tn SDL 2025 | Bond - Gov't/Treasury | ₹10.08 Cr | 0.06% |
| 07.85 AP Sdl 2026 | Bond - Gov't/Treasury | ₹5.11 Cr | 0.03% |
| 08.29 GJ Sdl 2025 | Bond - Gov't/Treasury | ₹5.03 Cr | 0.03% |
| Canara Bank** | Cash - CD/Time Deposit | ₹4.78 Cr | 0.03% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Cash - CD/Time Deposit | ₹6,036.9 Cr | 37.70% |
| Bond - Corporate Bond | ₹4,626.9 Cr | 28.89% |
| Bond - Gov't/Treasury | ₹1,986.87 Cr | 12.41% |
| Cash - Commercial Paper | ₹1,721.48 Cr | 10.75% |
| Cash - Repurchase Agreement | ₹654.4 Cr | 4.09% |
| Bond - Asset Backed | ₹347.69 Cr | 2.17% |
| Bond - Short-term Government Bills | ₹332.82 Cr | 2.08% |
| Bond - Gov't Agency Debt | ₹141.52 Cr | 0.88% |
| Cash | ₹124.83 Cr | 0.78% |
| Mutual Fund - Open End | ₹40.13 Cr | 0.25% |
Risk & Performance Ratios
Standard Deviation
This fund
0.33%
Cat. avg.
0.49%
Lower the better
Sharpe Ratio
This fund
1.97
Cat. avg.
0.28
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
2.10
Higher the better
Fund Managers
DA
Deepak Agrawal
Since April 2008
Manu Sharma
Since November 2022
Additional Scheme Detailsas of 15th June 2025
ISIN INF174K01JP2 | Expense Ratio 0.36% | Exit Load No Charges | Fund Size ₹16,014 Cr | Age 12 years 6 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
About the AMC
Kotak Mahindra Mutual Fund
Total AUM
₹5,56,416 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 30-Jun-2025, is ₹44.96.
What are the returns of Kotak Savings Fund Direct Growth?
The fund has generated 7.94% over the last 1 year and 7.36% 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, 43.84% in bonds, and 55.91% 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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