Kotak Savings Fund - Growth - Regular Plan

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₹42.4555 (-0.02%)Nav, as on 08-05-2025
Previous Nav
₹ 42.4623
Net Change on 08-05-2025
₹-0.01
PersonalFN Rating
Unrated
Category
Debt - Ultra Short Duration Fund
Assets (Cr.)
₹ 14,924.31
Expense Ratio
0.81%
(As on Apr 30, 2025)

Fund Overview Growth | Regular Plan

Fund House
Kotak Mahindra Mutual Fund
Launch Date
13-Aug-2004
Benchmark
Crisil 1 Yr T-Bill Index
Minimum Investment (₹)
100
Minimum Addl Investment (₹)
100
Exit Load (%)
Nil
Minimum SIP Investment (₹)
100
Minimum STP Investment (₹)
500
Minimum SWP Investment (₹)
1,000
52 Week Low Nav (₹)
39.55
52 Week Low Nav Date
07-May-2024
52 Week High Nav (₹)
42.46
52 Week High Nav Date
07-May-2025

Fund Objective

The investment objective of the Scheme is to generate returns through investments in debt and MMI with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Fund Performance

Scheme Name	1-Month Return (%)	3-Month Return (%)	1-Year Return (%)	3-Year Return (%)	5-Year Return (%)	Since Inception
Kotak Savings Fund -Growth	7.25	8.20	7.35	6.73	5.62	7.22
Crisil 1 Yr T-Bill Index	N/A	N/A	N/A	N/A	N/A	N/A
NIFTY Ultra Short Duration Debt Index	N/A	N/A	N/A	N/A	N/A	N/A

Returns upto 1 year is Annualised, and above 1 year are Compounded Annualised

Peer Fund Comparison

Scheme Name	Launch Date	Ratings	1-Year Return (%)	3-Year Return (%)	5-Year Return (%)	Expense Ratio (%)	Assets (Cr.)
Kotak Savings Fund -Growth	Aug 13, 2004	Unrated	7.35	6.73	5.62	0.81	14,924.31
Tata Ultra Short Term Fund-Regular Plan-Growth	Jan 22, 2019		7.16	6.43	5.25	1.12	4,817.35
Bandhan ULTRA SHORT TERM FUND - REGULAR PLAN - GROWTH	Jul 18, 2018		7.52	6.89	5.64	0.46	4,343.16
UTI Ultra Short Duration Fund - Regular Plan - Growth Option	Aug 29, 2003		7.29	6.63	6.08	0.94	4,130.69

Fund Holdings as on 30-April-2025

Company % Assets
Triparty Repo
4.15
182 DAYS TREASURY BILL 15/05/2025
3.34
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)**
3.22
7.6% REC LTD(^)**
3.20
INDIAN BANK(^)**
3.20
CANARA BANK(^)**
3.19
7.57% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)**
3.10
BHARTI TELECOM LTD.(^)**
2.92
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)**
2.53
7.99% MANKIND PHARMA LTD(^)**
2.03
PUNJAB NATIONAL BANK(^)**
1.74
TORRENT ELECTRICALS LIMITED(^)**
1.64
INDUSIND BANK LTD.(^)**
1.61
PUNJAB NATIONAL BANK(^)**
1.61
UNION BANK OF INDIA**
1.61
364 DAYS TREASURY BILL 19/03/2026(^)
1.59
7.4% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)**
1.55
8.9% BHARTI TELECOM LTD.(^)**
1.51
HDFC BANK LTD.(^)**
1.51
HDFC BANK LTD.**
1.47
7.92% BAJAJ HOUSING FINANCE LTD.(^)**
1.45
8.49% Tamil Nadu State Govt - 2026 - Tamil Nadu
1.37
7.65% POONAWALLA FINCORP LIMITED**
1.34
9.4% VEDANTA LTD.(^)**
1.34
ICICI BANK LTD.**
1.33
Panatone Finvest Ltd.(^)**
1.28
AXIS BANK LTD.(^)**
1.27
CREDILA FINANCIAL SERVICES PVT LTD(^)**
1.27
182 DAYS TREASURY BILL 08/05/2025
1.24
7.87% LIC HOUSING FINANCE LTD.**
1.01
8.8% BHARTI TELECOM LTD.(^)**
1.01
Citicorp Finance (India) Ltd.**
1.01
5.65% Tamil Nadu State Govt - 2025 - Tamil Nadu
1.00
INDIAN BANK**
1.00
PTC INDIA UNIVERSAL TRUST AL1 (SERIES A1) 20/09/2026(INDIA UNIVERSAL TRUST AL1)**
0.97
AXIS BANK LTD.(^)**
0.96
UNION BANK OF INDIA(^)**
0.96
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)**
0.96
INDUSIND BANK LTD.(^)**
0.96
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)**
0.96
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**
0.95
CANARA BANK(^)**
0.95
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)**
0.95
7.44% SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)**
0.94
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LTD.**
0.83
364 DAYS TREASURY BILL 04/12/2025
0.68
8.29% Maharashtra State Govt - 2025 - Maharashtra
0.67
7.72% LIC HOUSING FINANCE LTD.(^)**
0.67
9.15% GRIHUM HOUSING FINANCE LIMITED(^)**
0.67
7.7% HDB Financial Services Ltd.(^)**
0.67
6.04% Gujarat State Govt - 2026 - Gujarat
0.67
BANK OF BARODA**
0.67
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**
0.67
Bahadur Chand Investments Private Limited(^)**
0.66
INDUSIND BANK LTD.(^)**
0.66
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LTD.**
0.65
364 DAYS TREASURY BILL 26/12/2025
0.65
HDFC BANK LTD.(^)**
0.64
IDFC FIRST BANK LIMITED(^)**
0.64
UNION BANK OF INDIA(^)**
0.64
IDFC FIRST BANK LIMITED(^)**
0.64
ICICI SECURITIES LIMITED(^)**
0.64
MUTHOOT FINANCE LTD.(^)**
0.64
INDUSIND BANK LTD.(^)**
0.64
ADITYA BIRLA FINANCE LTD.(^)**
0.64
CANARA BANK(^)**
0.64
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**
0.63
CANARA BANK(^)**
0.63
BANK OF BARODA(^)**
0.63
INDUSIND BANK LTD.(^)**
0.63
AXIS BANK LTD.**
0.62
8.17% EMBASSY OFFICE PARKS REIT(^)**
0.61
8.65% BHARTI TELECOM LTD.(^)**
0.51
7.07% Tamil Nadu State Govt - 2026 - Tamil Nadu
0.51
8.45% CAN FIN HOMES LTD.**
0.51
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**
0.50
BARCLAYS INVESTMENTS & LOAN (INDIA) PVT. LTD.**
0.48
UNION BANK OF INDIA**
0.48
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**
0.48
IDBI BANK LTD.(^)**
0.48
Bahadur Chand Investments Private Limited**
0.47
7.5% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**
0.37
8% BAJAJ HOUSING FINANCE LTD.(^)**
0.34
7.83% BAJAJ HOUSING FINANCE LTD.(^)**
0.34
7.75% Hindustan Zinc Ltd. ( ) (^)**
0.34
6.4% John Deere Financial India Private Limited**
0.33
INDIAN BANK**
0.33
LIC HOUSING FINANCE LTD.**
0.33
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**
0.32
CANARA BANK**
0.32
MUTHOOT FINANCE LTD.**
0.32
7.57% Gujarat State Govt - 2026 - Gujarat
0.31
SBI ALTERNATIVE INVESTMENT FUND
0.27
CANARA BANK**
0.26
8.24% Tamil Nadu State Govt - 2025 - Tamil Nadu
0.17
7.17% GODREJ INDUSTRIES LTD**
0.17
6.75% Sikka Ports & Terminals Ltd. ( Mukesh Ambani Group ) **
0.17
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**
0.17
HDFC BANK LTD.**
0.16
GS CG 12/09/2025 - (STRIPS)
0.16
BHARTI TELECOM LTD.**
0.16
GS CG 17/12/2026 - (STRIPS)
0.15
SANSAR TRUST(SANSAR TRUST)**
0.14
CANARA BANK**
0.07
5.7% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**
0.03
Net Current Assets/(Liabilities)
-1.62

Sector Holding%
Miscellaneous
44.97

Fund Manager

Deepak Agrawal

Education:Post Graduate in Commerce from Mumbai University, a qualified chartered account and a company secretary. Also cleared AIMR CFA Level
Experience:14 Years
Basic Details:Mr. Deepak Agrawal's career has started from Kotak AMC when he joined the organization in December 2002, where he was initially in Research, Dealing and then moved into Fund Management from November 2006.
Funds Managed:
Kotak Bond Short Term Fund
Kotak Floating Rate Fund
Kotak Money Market Fund
Kotak Overnight Fund
Kotak Banking and PSU Debt Fund
Kotak Bond Short Term Fund
Kotak Corporate Bond Fund
Kotak Credit Risk Fund
Kotak Dynamic Bond Fund
Kotak Floating Rate Fund
Kotak Liquid Fund
Kotak Low Duration Fund
Kotak Medium Term Fund
Kotak Money Market Fund
Kotak Overnight Fund
Kotak Savings Fund

Manu Sharma

Education:Chartered Accountant & M.Com
Experience:16 years
Basic Details:Mr. Manu Sharma has over 17 years of experience in the fields of Fixed Income Fund Management, Operations, Finance Audit and Taxation. He joinedKotak AMC from Deskera Systems in September 2019 and was based out of Bangalore/Singapore for one year. Prior to it Mr. Manu was with Kotak AMCsince September 2006 to June 2018 and has handled major assignments like the Fund Management, Operations and Finance for the KotakAMC.
Funds Managed:
Kotak CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
Kotak Floating Rate Fund
Kotak Money Market Fund
Kotak Corporate Bond Fund
Kotak CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
Kotak Floating Rate Fund
Kotak Low Duration Fund
Kotak Money Market Fund
Kotak Savings Fund

Holding Type Holding %
CARE A1+
15.94
CARE AA-
0.67
Cash
2.53
CRISIL A1+
32.11
CRISIL AA+
5.06
CRISIL AAA
13.36
FITCH A1+
3.69
FITCH AA+
0.51
FITCH AAA(IND)
3.10
FITCH AAA(SO)
0.97
ICRA A1+
5.85
ICRA AA
1.34
ICRA AA+
1.00
ICRA AAA
1.01
ICRA AAA(SO)
0.14
SOV
12.51
Unrated
0.27

About Kotak Savings Fund

Scheme Analysis

Kotak Savings Fund is a Debt - Ultra Short Duration Fund fund and belongs to Kotak Mahindra Mutual Fund. It was launched on 13-Aug-2004 and currently has an AUM of ₹14,924.31 crore. Kotak Savings Fund is benchmarked against Crisil 1 Yr T-Bill Index as primary index and NIFTY Ultra Short Duration Debt Index as secondary index.

The NAV of Kotak Savings Fund ended down ₹-0.01(-0.02%)yesterday to ₹42.4555.

Among its top 3 holdings the fund has exposure to Triparty Repo, and

The Kotak Savings Fund is managed by Deepak Agrawal and Manu Sharma.

Fund House Contact

Address:

27 BKC, C-27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai - 400 051

Phone Number: +91 (22) 66384400

Email Address: mutual@kotak.com

Fax Number: +91 (22) 66384455

Website: https://www.kotakmf.com/

Money Simplified Videos

Infographics

Kotak Savings Fund - Growth - Regular Plan

Fund Overview Growth | Regular Plan

Fund Objective

The investment objective of the Scheme is to generate returns through investments in debt and MMI with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Fund Performance

Peer Fund Comparison

Fund Holdings as on 30-April-2025

Fund Manager

About Kotak Savings Fund

Scheme Analysis

Fund House Contact

Financial Health Checkup

Money Simplified Videos

Infographics

Kotak Savings Fund - Growth - Regular Plan

Fund Overview Growth | Regular Plan

Fund Objective

The investment objective of the Scheme is to generate returns through investments in debt and MMI with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Fund Performance

Peer Fund Comparison

Fund Holdings as on 30-April-2025

Fund Manager

About Kotak Savings Fund

Scheme Analysis

Fund House Contact