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Fund Overview

Fund Size

Fund Size

₹15,261 Cr

Expense Ratio

Expense Ratio

0.82%

ISIN

ISIN

INF174K01FD6

Minimum SIP

Minimum SIP

₹100

Exit Load

Exit Load

No Charges

Inception Date

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 22 years, 2 months and 9 days, having been launched on 13-Aug-04.
As of 21-Oct-26, it has a Net Asset Value (NAV) of ₹46.22, Assets Under Management (AUM) of 15261.29 Crores, and an expense ratio of 0.82%.
  • Kotak Savings Fund Regular Growth has given a CAGR return of 7.14% since inception.
  • The fund's asset allocation comprises around 0.00% in equities, 44.48% in debts, and 55.21% 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

+5.81%

+5.96% (Cat Avg.)

3 Years

+6.66%

+6.68% (Cat Avg.)

5 Years

+6.12%

+6.11% (Cat Avg.)

10 Years

+6.23%

+5.49% (Cat Avg.)

Since Inception

+7.14%

— (Cat Avg.)

Portfolio Summaryas of 30th September 2026

Debt₹6,787.72 Cr44.48%
Others₹8,473.57 Cr55.52%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
Axis Bank LimitedCash - CD/Time Deposit₹691.6 Cr4.53%
Bank Of BarodaCash - CD/Time Deposit₹586.25 Cr3.84%
National Bank For Agriculture And Rural DevelopmentBond - Corporate Bond₹575.63 Cr3.77%
India (Republic of)Bond - Short-term Government Bills₹514.04 Cr3.37%
Tamil Nadu (Government of) 0.0654%Bond - Sub-sovereign Government Debt₹443.36 Cr2.91%
Small Industries Development Bank Of IndiaCash - Commercial Paper₹356.68 Cr2.34%
Mankind Pharma LimitedBond - Corporate Bond₹300.09 Cr1.97%
Muthoot Finance LimitedBond - Corporate Bond₹296.85 Cr1.95%
6.9% Maharashtra Sgs 2030Bond - Gov't/Treasury₹296 Cr1.94%
Hdfc Bank Ltd.** CdCash₹294.07 Cr1.93%
Mindspace Business Parks ReitCash - Commercial Paper₹284.94 Cr1.87%
HDFC Bank LimitedCash - CD/Time Deposit₹269.37 Cr1.77%
India (Republic of)Bond - Short-term Government Bills₹247.71 Cr1.62%
National Bank For Agriculture And Rural DevelopmentCash - CD/Time Deposit₹245.15 Cr1.61%
Punjab National BankCash - CD/Time Deposit₹244.27 Cr1.60%
Small Industries Development Bank Of IndiaCash - CD/Time Deposit₹244.15 Cr1.60%
Small Industries Dev Bank Of IndiaCash - CD/Time Deposit₹243.51 Cr1.60%
HDFC Bank LtdCash - CD/Time Deposit₹243.39 Cr1.59%
Yes Bank LimitedCash - CD/Time Deposit₹242.57 Cr1.59%
Punjab National BankCash - CD/Time Deposit₹219.88 Cr1.44%
Vedanta Aluminium Metal LimitedBond - Corporate Bond₹200.56 Cr1.31%
TATA Projects LimitedBond - Corporate Bond₹200.36 Cr1.31%
RADHAKRISHNA SECURITISATION TRUSTBond - Asset Backed₹200.19 Cr1.31%
Poonawalla Fincorp LimitedBond - Corporate Bond₹199.43 Cr1.31%
National Bank For Agriculture And Rural DevelopmentBond - Corporate Bond₹199.15 Cr1.30%
Torrent Pharmaceuticals LtdBond - Corporate Bond₹198.5 Cr1.30%
Bharti Telecom LimitedBond - Corporate Bond₹195.89 Cr1.28%
India (Republic of)Bond - Short-term Government Bills₹195.86 Cr1.28%
Punjab & Sind BankCash - CD/Time Deposit₹194.55 Cr1.27%
HDFC Bank LimitedCash - CD/Time Deposit₹194.07 Cr1.27%
Adani Power LimitedBond - Corporate Bond₹188.98 Cr1.24%
Small Industries Development Bank of IndiaBond - Corporate Bond₹187.4 Cr1.23%
Piramal Finance LimitedBond - Corporate Bond₹175.56 Cr1.15%
Bank Of BarodaCash - CD/Time Deposit₹171.02 Cr1.12%
HDFC Bank LimitedCash - CD/Time Deposit₹170.96 Cr1.12%
Net Current Assets/(Liabilities)Cash₹-156.47 Cr1.03%
7.35% Madhyapradesh Sdl 2027Bond - Gov't/Treasury₹151.12 Cr0.99%
Nuvama Wealth Finance LimitedBond - Corporate Bond₹149.59 Cr0.98%
360 One Prime LimitedBond - Corporate Bond₹149.28 Cr0.98%
Tata Housing Development Company LimitedCash - Commercial Paper₹146.94 Cr0.96%
IIFL Finance LimitedCash - Commercial Paper₹146.03 Cr0.96%
National Bank For Agriculture And Rural DevelopmentCash - CD/Time Deposit₹145.74 Cr0.95%
The Federal Bank LimitedCash - CD/Time Deposit₹142.72 Cr0.94%
ICICI Home Finance Company LimitedBond - Corporate Bond₹125.36 Cr0.82%
Mankind Pharma LimitedBond - Corporate Bond₹124.97 Cr0.82%
Federal Bank Ltd.Bond - Corporate Bond₹122.27 Cr0.80%
IIFL Finance LimitedCash - Commercial Paper₹121.38 Cr0.80%
Jubilant Bevco LimitedBond - Corporate Bond₹112.48 Cr0.74%
Muthoot Finance LimitedBond - Corporate Bond₹100.2 Cr0.66%
Vedanta Ltd.** 0.0875Bond - Corporate Bond₹100.09 Cr0.66%
Muthoot Finance LimitedBond - Corporate Bond₹100.04 Cr0.66%
6.04% Gujarat Sdl 2026Bond - Gov't/Treasury₹100.02 Cr0.66%
Embassy Office Parks ReitBond - Corporate Bond₹100.01 Cr0.66%
Mahindra And Mahindra Financial Services LimitedBond - Corporate Bond₹99.98 Cr0.66%
Muthoot Finance LimitedBond - Corporate Bond₹99.88 Cr0.65%
360 One Prime LimitedBond - Corporate Bond₹99.8 Cr0.65%
Power Finance Corporation LimitedBond - Corporate Bond₹99.04 Cr0.65%
Bahadur Chand Investments Private LimitedCash - Commercial Paper₹99.02 Cr0.65%
Tata Capital Housing Finance LimitedBond - Corporate Bond₹98.89 Cr0.65%
Manappuram Finance LimitedCash - Commercial Paper₹98.73 Cr0.65%
Canara BankCash - CD/Time Deposit₹97.85 Cr0.64%
Small Industries Dev Bank Of IndiaCash - CD/Time Deposit₹97.8 Cr0.64%
Muthoot Finance LimitedCash - Commercial Paper₹97.69 Cr0.64%
Indusind Bank Ltd.Cash - CD/Time Deposit₹97.6 Cr0.64%
HDFC Bank Ltd.Bond - Corporate Bond₹97.52 Cr0.64%
Union Bank Of IndiaCash - CD/Time Deposit₹97.22 Cr0.64%
Canara BankCash - CD/Time Deposit₹97.21 Cr0.64%
Muthoot Finance LimitedCash - Commercial Paper₹96.86 Cr0.63%
Axis Securities LimitedCash - Commercial Paper₹96.75 Cr0.63%
Birla Group Holdings Private LimitedCash - Commercial Paper₹96.7 Cr0.63%
7.07% Tamilnadu SDL 2026Bond - Gov't/Treasury₹75.19 Cr0.49%
Muthoot Finance LimitedBond - Corporate Bond₹73.6 Cr0.48%
Canara BankCash - CD/Time Deposit₹73.39 Cr0.48%
Muthoot Finance LimitedCash - Commercial Paper₹73.06 Cr0.48%
Embassy Office Parks ReitCash - Commercial Paper₹72.58 Cr0.48%
Cholamandalam Securities LimitedCash - Commercial Paper₹67.57 Cr0.44%
Bharti Telecom LimitedBond - Corporate Bond₹60.22 Cr0.39%
Vedanta LimitedBond - Corporate Bond₹50.42 Cr0.33%
6.17% Govt Stock 2028Bond - Gov't/Treasury₹50.34 Cr0.33%
7.59% Karnataka Sdl 2027Bond - Gov't/Treasury₹50.25 Cr0.33%
7.59% Bihar Sdl 2027Bond - Gov't/Treasury₹50.24 Cr0.33%
Tata Capital LimitedBond - Corporate Bond₹49.85 Cr0.33%
Tata Capital Housing Finance LimitedBond - Corporate Bond₹49.7 Cr0.33%
Godrej Seeds & Genetics LimitedBond - Corporate Bond₹49.39 Cr0.32%
Godrej Seeds & Genetics LimitedBond - Corporate Bond₹49.37 Cr0.32%
Godrej Seeds & Genetics LimitedBond - Corporate Bond₹49.24 Cr0.32%
Godrej Seeds & Genetics LimitedBond - Corporate Bond₹49.16 Cr0.32%
Punjab National BankCash - CD/Time Deposit₹48.81 Cr0.32%
Canara BankCash - CD/Time Deposit₹48.79 Cr0.32%
Muthoot Finance LimitedCash - Commercial Paper₹48.71 Cr0.32%
Bank of India Ltd.Bond - Corporate Bond₹48.71 Cr0.32%
Union Bank Of IndiaCash - CD/Time Deposit₹48.62 Cr0.32%
Canara BankCash - CD/Time Deposit₹48.59 Cr0.32%
HDFC Bank LimitedCash - CD/Time Deposit₹48.58 Cr0.32%
Bank Of BarodaCash - CD/Time Deposit₹48.56 Cr0.32%
Credila Financial Services LimitedCash - Commercial Paper₹48.36 Cr0.32%
LIQUID GOLD SERIES 14Bond - Asset Backed₹48.32 Cr0.32%
Sbi Alternative Investment FundMutual Fund - Unspecified₹47.29 Cr0.31%
LIQUID GOLD SERIES 9Bond - Asset Backed₹46.53 Cr0.30%
7.57% Gujarat Sgs 2026Bond - Gov't/Treasury₹45.08 Cr0.30%
Godrej Seeds & Genetics LimitedBond - Corporate Bond₹44.56 Cr0.29%
Triparty RepoCash - Repurchase Agreement₹27.7 Cr0.18%
LIC Housing Finance LtdBond - Corporate Bond₹25.78 Cr0.17%
Godrej Properties LimitedBond - Corporate Bond₹25.05 Cr0.16%
Gs17dec2026cBond - Gov't/Treasury₹24.96 Cr0.16%
Godrej Industries LimitedBond - Corporate Bond₹24.86 Cr0.16%
Canara BankCash - CD/Time Deposit₹24.44 Cr0.16%
Bank Of BarodaCash - CD/Time Deposit₹24.29 Cr0.16%
Union Bank Of IndiaCash - CD/Time Deposit₹24.26 Cr0.16%
Godrej Industries LimitedBond - Corporate Bond₹15 Cr0.10%
360 One Prime LimitedCash - Commercial Paper₹9.69 Cr0.06%
Godrej Finance LimitedBond - Corporate Bond₹5.01 Cr0.03%
HDFC Bank LimitedCash - CD/Time Deposit₹4.86 Cr0.03%

Allocation By Credit Quality (Debt)

AAA

AA

Other Allocation

Equity Sector

Debt & Others

InstrumentsAmount sortHoldings sort
Bond - Corporate Bond₹5,367.71 Cr35.17%
Cash - CD/Time Deposit₹5,180.08 Cr33.94%
Cash - Commercial Paper₹1,961.7 Cr12.85%
Bond - Short-term Government Bills₹957.61 Cr6.27%
Bond - Gov't/Treasury₹843.21 Cr5.53%
Cash₹137.6 Cr2.95%
Bond - Sub-sovereign Government Debt₹443.36 Cr2.91%
Bond - Asset Backed₹295.04 Cr1.93%
Mutual Fund - Unspecified₹47.29 Cr0.31%
Cash - Repurchase Agreement₹27.7 Cr0.18%

Risk & Performance Ratios

Standard Deviation

This fund

0.48%

Cat. avg.

0.57%

Lower the better

Sharpe Ratio

This fund

0.78

Cat. avg.

0.88

Higher the better

Sortino Ratio

This fund

--

Cat. avg.

2.60

Higher the better

Fund Managers

DA

Deepak Agrawal

Since September 2026

Manu Sharma

Manu Sharma

Since September 2026

Additional Scheme Detailsas of 30th September 2026

ISIN
INF174K01FD6
Expense Ratio
0.82%
Exit Load
No Charges
Fund Size
₹15,261 Cr
Age
22 years 2 months
Lumpsum Minimum
₹100
Fund Status
Open Ended Investment Company
Benchmark
NIFTY Ultra Short Duration Debt TR INR

Investment ObjectiveInvestment 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

iconCapital Gains Taxation:

iconDividend Taxation:

info icon

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.

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1Y
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Moderate Risk

0.8%0.0%₹15261.29 Cr5.8%
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About the AMC

Kotak Mahindra Mutual Fund

Kotak Mahindra Mutual Fund

Total AUM

₹6,46,073 Cr

Address

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

Other Funds by Kotak Mahindra Mutual Fund

Fund nameExpense RatioExit LoadFund size
1Y
Kotak Nifty 500 Index Fund Direct Growth

Very High Risk

-0.0%--
Kotak Nifty Capital Markets Index Fund Direct Growth

Very High Risk

-0.0%--
Kotak Multi Sector Omni FOF Direct Growth

Very High Risk

-0.0%₹21.34 Cr-
Kotak Nifty Bank Index Fund Direct Growth

Very High Risk

0.2%0.0%₹6.92 Cr-
Kotak Diversified Equity All Cap Omni FOF Direct Growth

Low Risk

0.1%0.0%₹516.63 Cr-
Infinity Hybrid Long-Short Fund Direct Growth

Low to Moderate Risk

2.1%0.0%--
Kotak Nifty Alpha Low-Volatility 30 Index Fund Direct Growth

Very High Risk

1.3%0.0%₹7.16 Cr-
Kotak Multi Asset Active FOF Direct Growth

Very High Risk

0.3%1.0%₹78.65 Cr-
Kotak Quality Overseas Equity Omni FOF Direct Growth

Very High Risk

0.5%1.0%₹404.36 Cr-
Kotak Multi Factor Passive FOF Direct Growth

Very High Risk

0.2%0.0%₹151.29 Cr-
Kotak Services Fund Direct Growth

Very High Risk

1.3%0.0%₹710.88 Cr-
Kotak Nifty200 Value 30 Index Fund Direct Growth

Very High Risk

1.1%0.0%₹12.94 Cr-
Kotak Dividend Yield Fund Direct Growth

Very High Risk

1.1%1.0%₹272.83 Cr-
Kotak Nifty500 Momentum 50 Index Fund Direct Growth

Very High Risk

0.8%0.0%₹26.53 Cr-
Kotak Rural Opportunities Fund Direct Growth

Very High Risk

0.9%0.0%₹707.58 Cr-
Kotak Gold Silver Passive FOF Direct Growth

Very High Risk

0.2%0.0%₹1104.32 Cr-
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹1105.74 Cr6.0%
Kotak Active Momentum Fund Direct Growth

Very High Risk

1.7%0.0%₹1590.18 Cr-0.5%
Kotak Nifty Alpha 50 Index Fund Direct Growth

Very High Risk

0.8%0.0%₹55.37 Cr0.3%
Kotak Nifty AAA Bond Financial Services Mar 2028 Index Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹286.49 Cr5.1%
Kotak Nifty 200 Quality 30 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹16.39 Cr-8.2%
Kotak Nifty Top 10 Equal Weight Index Fund Direct Growth

Very High Risk

0.4%0.0%₹37.47 Cr-14.1%
Kotak Energy Opportunities Fund Direct Growth

Very High Risk

1.1%0.0%₹264.49 Cr-3.1%
Kotak Nifty Midcap 150 Index Fund Regular Growth

Very High Risk

0.4%0.0%₹46.05 Cr-3.1%
Kotak CRISIL-IBX Financial Services 3-6 Months Debt Index Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹236.47 Cr6.5%
Kotak Nifty Commodities Index Fund Direct Growth

Very High Risk

0.3%0.0%₹283.32 Cr-2.4%
Kotak CRISIL-IBX AAA Bond Financial Services Index - Dec 2026 Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹89.84 Cr6.6%
Kotak BSE Sensex Index Fund Direct Growth

Very High Risk

0.3%0.0%₹24.74 Cr-12.0%
Kotak Nifty Smallcap 250 Index Fund Direct Growth

Very High Risk

0.4%0.0%₹86.57 Cr-0.7%
Kotak Nifty 100 Equal Weight Index Fund Direct Growth

Very High Risk

0.3%0.0%₹47.64 Cr-4.0%
Kotak Nifty 50 Equal Weight Index Fund Direct Growth

Very High Risk

0.4%0.0%₹71.49 Cr-6.0%
Kotak Transportation & Logistics Fund Direct Growth

Very High Risk

1.1%0.0%₹544.55 Cr-1.2%
Kotak MNC Fund Direct Growth

Very High Risk

0.9%0.0%₹2246.36 Cr8.6%
Kotak Nifty Midcap 150 Momentum 50 Index Fund Direct Growth

Very High Risk

0.7%0.0%₹446.51 Cr-5.8%
Kotak Nifty India Tourism Index Fund Direct Growth

Very High Risk

0.5%0.0%₹36.52 Cr-18.4%
Kotak Crisil-IBX AAA Financial Services Index - Sep 2027 Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹606.31 Cr5.7%
Kotak Nifty Midcap 50 Index Fund Direct Growth

Very High Risk

0.4%0.0%₹82.87 Cr-1.7%
Kotak BSE PSU Index Fund Direct Growth

Very High Risk

0.5%0.0%₹75.62 Cr-3.5%
Kotak Special Opportunities Fund Direct Growth

Very High Risk

1.0%0.0%₹1920.37 Cr8.5%
Kotak Nifty 100 Low Volatility 30 Index Fund Direct Growth

Very High Risk

0.4%0.0%₹102.18 Cr-9.9%
Kotak Fixed Maturity Plan Series 330 - 98 Days Direct Growth

Low Risk

-0.0%--
Kotak Nifty AAA Bond Jun 2025 HTM Index Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹102.05 Cr7.5%
Kotak Fixed Maturity Plan Series 329 - 90 Days Direct Growth

Low to Moderate Risk

-0.0%--
Kotak Long Duration Fund Direct Growth

Moderate Risk

0.3%0.0%₹48.86 Cr-1.4%
Kotak Technology Fund Direct Growth

Very High Risk

1.1%0.0%₹478.86 Cr-5.6%
Kotak Fixed Maturity Plan Series 328 - 90 Days Direct Growth

Moderate Risk

-0.0%₹144.91 Cr-
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%--

Risk Level

Your principal amount will be at Moderate Risk

Moderate Risk

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What is the current NAV of Kotak Savings Fund Regular Growth?

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The NAV of Kotak Savings Fund Regular Growth, as of 21-Oct-2026, is ₹46.22.
The fund has generated 5.81% over the last 1 year and 6.66% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
The fund's allocation of assets is distributed as 0.00% in equities, 44.48% in bonds, and 55.21% in cash and cash equivalents.
The fund managers responsible for Kotak Savings Fund Regular Growth are:-
  1. Deepak Agrawal
  2. Manu Sharma
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