Kotak Savings Fund - IDCW - Direct Plan

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₹19.7858 0.01 %Nav, as on 30-10-2025
Previous Nav
₹ 19.7829
Net Change on 30-10-2025
₹0
PersonalFN Rating
Unrated
Category
Debt - Ultra Short Duration Fund
Assets (Cr.)
₹ 15,340.44
Expense Ratio
0.37%
(As on Sep 30, 2025)

Fund Overview IDCW | Direct Plan

Fund House
Kotak Mahindra Mutual Fund
Launch Date
01-Jan-2013
Benchmark
NIFTY 1 Year 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 (₹)
23.56
52 Week Low Nav Date
29-Oct-2024
52 Week High Nav (₹)
25.31
52 Week High Nav Date
29-Oct-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-Monthly Payout of Income Distribution cum capital withdrawal option - Direct	6.85	5.93	7.46	7.44	6.04	7.05
NIFTY 1 Year 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-Monthly Payout of Income Distribution cum capital withdrawal option - Direct	Jan 01, 2013	Unrated	7.46	7.44	6.04	0.37	15,340.44
Aditya Birla Sun Life Savings Fund-DIRECT - DAILY IDCW	Jan 01, 2013		7.91	7.73	6.34	0.34	21,367
Aditya Birla Sun Life Savings Fund-DIRECT - WEEKLY IDCW	Jan 01, 2013		7.82	7.67	6.31	0.34	21,367
HDFC Ultra Short Term Fund - Direct Plan-Daily IDCW Option	Sep 24, 2018		7.60	7.54	6.14	0.37	16,699.76
HDFC Ultra Short Term Fund - Direct Plan-Monthly IDCW Option	Sep 24, 2018		7.52	7.52	6.13	0.37	16,699.76
HDFC Ultra Short Term Fund - Direct Plan-Weekly IDCW Option	Sep 24, 2018		7.52	7.47	6.06	0.37	16,699.76

Fund Holdings as on 30-September-2025

Company % Assets
7.57% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)**
5.04
7.92% BAJAJ HOUSING FINANCE LTD.(^)**
4.21
INDIAN BANK(^)**
3.20
7.8% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)
3.14
7.6% REC LTD(^)
3.11
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)**
2.54
CANARA BANK**
2.23
364 DAYS TREASURY BILL 19/03/2026(^)
1.97
7.99% MANKIND PHARMA LTD(^)
1.97
PUNJAB NATIONAL BANK(^)**
1.74
INDUSIND BANK LTD.**
1.62
364 DAYS TREASURY BILL 21/05/2026
1.57
BANK OF BARODA(^)
1.57
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)**
1.57
BAJAJ HOUSING FINANCE LTD.(^)**
1.56
Central Government - 2028
1.48
8.9% BHARTI TELECOM LTD.(^)**
1.47
PTC RADHAKRISHNA SECURITISATION TRUST 28/09/2028(RADHAKRISHNA TRUST)**
1.38
8.49% Tamil Nadu State Govt - 2026 - Tamil Nadu
1.32
9.4% VEDANTA LTD.(^)**
1.31
7.65% POONAWALLA FINCORP LIMITED(^)**
1.31
5.15% Central Government - 2025
1.30
BHARTI TELECOM LTD.
1.30
Panatone Finvest Ltd.**
1.28
182 DAYS TREASURY BILL 19/02/2026
1.28
CREDILA FINANCIAL SERVICES PVT LTD**
1.27
AXIS BANK LTD.(^)**
1.27
9.15% PIRAMAL FINANCE LTD(^)**
1.15
7.87% LIC HOUSING FINANCE LTD.(^)**
0.99
7.72% LIC HOUSING FINANCE LTD.**
0.98
8.8% BHARTI TELECOM LTD.(^)**
0.98
PTC IIFL FIN LIQUID GOLD (SERIES 14A) 20/07/2027(LIQUID GOLD SERIES 14)**
0.98
Citicorp Finance (India) Ltd.**
0.98
6.4% JAMNAGAR UTILITIES & POWER PRIVATE LIMITED ( Mukesh Ambani Group ) **
0.97
AXIS BANK LTD.**
0.96
UNION BANK OF INDIA**
0.96
INDUSIND BANK LTD.**
0.96
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**
0.96
182 DAYS TREASURY BILL 19/03/2026
0.95
CANARA BANK(^)**
0.95
INDUSIND BANK LTD.**
0.95
UCO BANK(^)**
0.94
7.44% SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)
0.92
PTC IIFL FIN LIQUID GOLD (SERIES 8) 20/08/2027(LIQUID GOLD SERIES 9)**
0.91
7.97% MANKIND PHARMA LTD(^)
0.83
JUBILANT BEVCO LIMITED ( Axis Trustee Services Limitedstep up or down 25 bps for every rating chang) (^)**
0.68
8.78% MUTHOOT FINANCE LTD.**
0.66
8.45% CAN FIN HOMES LTD.**
0.66
7.59% Central Government - 2026
0.66
8.75% 360 ONE PRIME LTD.**
0.65
7.05% EMBASSY OFFICE PARKS REIT**
0.65
6.04% Gujarat State Govt - 2026 - Gujarat(^)
0.65
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LTD.**
0.65
364 DAYS TREASURY BILL 26/12/2025
0.64
CANARA BANK**
0.64
ICICI SECURITIES LIMITED**
0.64
MUTHOOT FINANCE LTD.**
0.64
IDFC FIRST BANK LIMITED**
0.64
IDFC FIRST BANK LIMITED**
0.64
UNION BANK OF INDIA**
0.64
INDUSIND BANK LTD.**
0.64
182 DAYS TREASURY BILL 27/02/2026
0.64
ADITYA BIRLA CAPITAL LTD(^)**
0.64
BANK OF BARODA**
0.64
CANARA BANK**
0.64
INDUSIND BANK LTD.**
0.64
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**
0.64
CANARA BANK**
0.63
BANK OF BARODA(^)**
0.63
BARCLAYS INVESTMENTS & LOAN (INDIA) PVT. LTD.**
0.63
364 DAYS TREASURY BILL 04/06/2026
0.63
PTC INDIA UNIVERSAL TRUST AL1 (SERIES A1) 20/09/2026(INDIA UNIVERSAL TRUST AL1)**
0.58
7.4% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**
0.53
8.65% BHARTI TELECOM LTD.(^)
0.50
7.07% Tamil Nadu State Govt - 2026 - Tamil Nadu
0.49
8.4% Nirma Ltd.**
0.49
UNION BANK OF INDIA**
0.48
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**
0.48
IDBI BANK LTD.**
0.48
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**
0.48
Bahadur Chand Investments Private Limited**
0.47
9.31% VEDANTA LTD. ( Axis Trustee Services Ltd.) (^)**
0.39
7.5% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)
0.36
8% BAJAJ HOUSING FINANCE LTD.**
0.33
8.15% SAMVARDHANA MOTHERSON INTERNATIONAL LTD**
0.33
7.75% Hindustan Zinc Ltd. ( ) (^)**
0.33
7.83% BAJAJ HOUSING FINANCE LTD.**
0.33
7.12% TATA CAPITAL HOUSING FINANCE LTD.(^)**
0.33
6.65% LIC HOUSING FINANCE LTD.(^)**
0.33
7.68% GODREJ SEEDS AND GENETICS LTD. ( ) **
0.32
7.68% GODREJ SEEDS AND GENETICS LTD. ( ) **
0.32
7.68% GODREJ SEEDS AND GENETICS LTD. ( ) **
0.32
BANK OF BARODA**
0.32
HDFC BANK LTD.**
0.32
MUTHOOT FINANCE LTD.**
0.32
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**
0.32
INDIAN BANK**
0.32
7.57% Gujarat State Govt - 2026 - Gujarat
0.30
7.68% GODREJ SEEDS AND GENETICS LTD. ( ) **
0.29
SBI ALTERNATIVE INVESTMENT FUND
0.29
8.4% GODREJ PROPERTIES LIMITED**
0.17
6.75% Sikka Ports & Terminals Ltd. ( Mukesh Ambani Group ) **
0.16
BARCLAYS INVESTMENTS & LOAN (INDIA) PVT. LTD.**
0.16
SUNDARAM HOME FINANCE LTD**
0.16
INDIAN BANK**
0.16
Export-Import Bank of India**
0.16
7.84% TATA CAPITAL HOUSING FINANCE LTD.**
0.16
GS CG 17/12/2026 - (STRIPS)
0.15
CANARA BANK**
0.13
8.43% L & T Finance Ltd.**
0.07
SANSAR TRUST(SANSAR TRUST)**
0.07
7.97% Tamil Nadu State Govt - 2025 - Tamil Nadu
0.07
7.85% Andhra Pradesh State Govt - 2026 - Andhra Pradesh
0.03
8.14% Karnataka State Govt - 2025 - Karnataka
0.03
364 DAYS TREASURY BILL 04/12/2025
0.03
PUNJAB NATIONAL BANK**
0.03
CANARA BANK**
0.03
6.4% LIC HOUSING FINANCE LTD.**
0.02
7.17% Rajasthan State Govt - 2026 - Rajasthan
0.01
Net Current Assets/(Liabilities)
-0.01

Sector Holding%
Miscellaneous
38.73

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 CRISIL-IBX Financial Services 9 to 12 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 Money Market Fund
Kotak Savings Fund

Most Recent Dividend

Dividend Details

Record Date Dividend (%)
13/12/2022
0.81
13/09/2022
0.79
17/08/2022
0.67
13/07/2022
0.75
14/06/2022
0.71
13/05/2022
0.09
13/04/2022
0.63
15/03/2022
0.37
15/02/2022
0.59
13/01/2022
0.52
14/12/2021
0.51
15/11/2021
0.45
13/10/2021
0.37
13/03/2018
0.09
15/09/2015
0.66
13/08/2015
0.83
14/07/2015
0.73
15/06/2015
0.82
13/05/2015
1.50
13/03/2015
0.81
13/02/2015
0.67
13/01/2015
0.63
15/12/2014
1.40
13/06/2014
0.81
13/05/2014
0.73
16/04/2014
0.95
13/03/2014
0.67
13/02/2014
0.67
15/01/2014
0.75
13/12/2013
0.91
13/11/2013
0.69
15/10/2013
0.86
13/09/2013
0.67
15/07/2013
0.68
13/06/2013
0.69
14/05/2013
0.86
15/04/2013
1.04
13/03/2013
0.69
13/02/2013
0.60
15/01/2013
0.35

Holding Type Holding %
CARE A1+
8.28
CARE AA
1.15
Cash
-0.01
CRISIL A1+
27.76
CRISIL AA
2.81
CRISIL AA+
3.46
CRISIL AAA
19.04
CRISIL AAA(SO)
3.27
FITCH A1+
4.60
FITCH AA+
0.66
FITCH AAA
0.33
FITCH AAA(IND)
5.04
FITCH AAA(SO)
0.58
ICRA A1+
2.23
ICRA AA
1.96
ICRA AA+
0.17
ICRA AAA
4.12
ICRA AAA(SO)
0.07
Sov
14.20
Unrated
0.29

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 01-Jan-2013 and currently has an AUM of ₹15,340.44 crore. Kotak Savings Fund is benchmarked against NIFTY 1 Year T-Bill Index as primary index and NIFTY Ultra Short Duration Debt Index as secondary index.

The NAV of Kotak Savings Fund ended up ₹0(0.01%)yesterday to ₹19.7858.

Among its top 3 holdings the fund has exposure to 7.57% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)**, 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 - IDCW - Direct Plan

Fund Overview IDCW | Direct 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-September-2025

Fund Manager

Most Recent Dividend

About Kotak Savings Fund

Scheme Analysis

Fund House Contact

Financial Health Checkup

Money Simplified Videos

Infographics

Kotak Savings Fund - IDCW - Direct Plan

Fund Overview IDCW | Direct 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-September-2025

Fund Manager

Most Recent Dividend

About Kotak Savings Fund

Scheme Analysis

Fund House Contact