Kotak Savings Fund - Growth - Regular Plan

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₹42.9144 0.05 %Nav, as on 30-06-2025
Previous Nav
₹ 42.891
Net Change on 30-06-2025
₹0.02
PersonalFN Rating
Unrated
Category
Debt - Ultra Short Duration Fund
Assets (Cr.)
₹ 15,401.47
Expense Ratio
0.81%
(As on May 31, 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 (₹)
39.97
52 Week Low Nav Date
01-Jul-2024
52 Week High Nav (₹)
42.89
52 Week High Nav Date
27-Jun-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	6.74	8.15	7.43	6.88	5.52	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	7.43	6.88	5.52	0.81	15,401.47
Aditya Birla Sun Life Savings Fund - Discipline Advantage Plan	Jun 23, 2009		7.85	7.19	6.02	0.54	18,981.31
Aditya Birla Sun Life Savings Fund - Growth - Regular Plan	Apr 16, 2003		8.11	7.35	6.13	0.54	18,981.31
HDFC Ultra Short Term Fund-Growth Option	Sep 24, 2018		7.59	7.03	5.74	0.70	16,572.59
SBI MAGNUM ULTRA SHORT DURATION FUND - REGULAR PLAN - GROWTH	May 19, 1999		7.61	7.05	5.64	0.55	16,433.66
ICICI Prudential Ultra Short Term Fund - Growth	May 03, 2011		7.64	7.06	5.97	0.80	16,268.60

Fund Holdings as on 31-May-2025

Company % Assets
8.20% Central Government - 2025(^)
5.23
7.92% BAJAJ HOUSING FINANCE LTD.**
4.22
7.57% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**
3.66
INDIAN BANK(^)**
3.12
CANARA BANK(^)**
3.11
7.6% REC LTD**
3.10
BHARTI TELECOM LTD.(^)
2.84
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)
2.83
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)**
2.47
7.99% MANKIND PHARMA LTD(^)**
1.97
PUNJAB NATIONAL BANK(^)**
1.70
TORRENT ELECTRICALS LIMITED(^)**
1.60
182 DAYS TREASURY BILL 18/09/2025
1.60
INDUSIND BANK LTD.**
1.57
PUNJAB NATIONAL BANK**
1.57
UNION BANK OF INDIA**
1.57
364 DAYS TREASURY BILL 19/03/2026(^)
1.55
364 DAYS TREASURY BILL 21/05/2026
1.54
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**
1.53
HDFC BANK LTD.**
1.48
8.9% BHARTI TELECOM LTD.(^)**
1.47
8.49% Tamil Nadu State Govt - 2026 - Tamil Nadu
1.33
9.4% VEDANTA LTD.(^)**
1.30
7.65% POONAWALLA FINCORP LIMITED**
1.30
PTC IIFL FIN LIQUID GOLD (SERIES 8) 20/08/2027(LIQUID GOLD SERIES 9)**
1.26
Panatone Finvest Ltd.(^)**
1.25
AXIS BANK LTD.(^)**
1.24
CREDILA FINANCIAL SERVICES PVT LTD**
1.24
7.87% LIC HOUSING FINANCE LTD.**
0.99
8.8% BHARTI TELECOM LTD.(^)**
0.98
Citicorp Finance (India) Ltd.**
0.98
INDIAN BANK
0.97
AXIS BANK LTD.(^)**
0.94
UNION BANK OF INDIA(^)**
0.94
INDUSIND BANK LTD.**
0.93
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)**
0.93
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)**
0.93
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**
0.93
CANARA BANK(^)**
0.93
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)**
0.93
7.44% SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**
0.92
UCO BANK**
0.92
PTC INDIA UNIVERSAL TRUST AL1 (SERIES A1) 20/09/2026(INDIA UNIVERSAL TRUST AL1)**
0.87
7.4% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)**
0.85
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LTD.**
0.81
364 DAYS TREASURY BILL 04/12/2025
0.66
8.45% CAN FIN HOMES LTD.**
0.66
7.72% LIC HOUSING FINANCE LTD.(^)**
0.65
8.29% Maharashtra State Govt - 2025 - Maharashtra
0.65
6.04% Gujarat State Govt - 2026 - Gujarat
0.65
9.15% GRIHUM HOUSING FINANCE LIMITED**
0.65
INDUSIND BANK LTD.**
0.64
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LTD.**
0.63
364 DAYS TREASURY BILL 26/12/2025
0.63
HDFC BANK LTD.(^)**
0.63
CANARA BANK(^)**
0.63
ICICI SECURITIES LIMITED**
0.62
UNION BANK OF INDIA(^)**
0.62
IDFC FIRST BANK LIMITED(^)**
0.62
IDFC FIRST BANK LIMITED**
0.62
MUTHOOT FINANCE LTD.**
0.62
INDUSIND BANK LTD.**
0.62
ADITYA BIRLA CAPITAL LTD(^)**
0.62
CANARA BANK**
0.62
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**
0.62
CANARA BANK(^)**
0.62
BANK OF BARODA(^)**
0.62
INDUSIND BANK LTD.**
0.62
AXIS BANK LTD.**
0.61
8.17% EMBASSY OFFICE PARKS REIT**
0.59
Net Current Assets/(Liabilities)
0.51
8.65% BHARTI TELECOM LTD.**
0.50
7.07% Tamil Nadu State Govt - 2026 - Tamil Nadu
0.50
BARCLAYS INVESTMENTS & LOAN (INDIA) PVT. LTD.**
0.47
UNION BANK OF INDIA**
0.46
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**
0.46
IDBI BANK LTD.(^)**
0.46
Bahadur Chand Investments Private Limited**
0.46
7.5% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**
0.36
8% BAJAJ HOUSING FINANCE 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
7.7% HDB Financial Services Ltd.(^)**
0.32
6.4% John Deere Financial India Private Limited**
0.32
6.65% LIC HOUSING FINANCE LTD.**
0.32
LIC HOUSING FINANCE LTD.
0.32
CANARA BANK**
0.31
MUTHOOT FINANCE LTD.**
0.31
7.57% Gujarat State Govt - 2026 - Gujarat
0.30
SBI ALTERNATIVE INVESTMENT FUND
0.26
CANARA BANK**
0.26
7.84% TATA CAPITAL HOUSING FINANCE LTD.**
0.16
8.24% Tamil Nadu State Govt - 2025 - Tamil Nadu
0.16
6.75% Sikka Ports & Terminals Ltd. ( Mukesh Ambani Group ) **
0.16
GS CG 12/09/2025 - (STRIPS)
0.16
BHARTI TELECOM LTD.
0.16
AXIS BANK LTD.**
0.16
CANARA BANK
0.16
GS CG 17/12/2026 - (STRIPS)
0.15
SANSAR TRUST(SANSAR TRUST)**
0.12
Triparty Repo
0.11
CANARA BANK**
0.06
8.29% Gujarat State Govt - 2025 - Gujarat
0.03
5.7% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**
0.03
CANARA BANK
0.03

Sector Holding%
Miscellaneous
41.99

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 Money Market Fund
Kotak Savings Fund

Holding Type Holding %
CARE A1+
14.22
CARE AA-
0.65
Cash
0.62
CRISIL A1+
32.69
CRISIL AA+
4.92
CRISIL AAA
15.61
CRISIL AAA(SO)
1.26
FITCH A1+
2.95
FITCH AA+
0.66
FITCH AAA(IND)
3.66
FITCH AAA(SO)
0.87
ICRA A1+
3.27
ICRA AA
1.30
ICRA AA+
0.81
ICRA AAA
0.98
ICRA AAA(SO)
0.12
SOV
15.14
Unrated
0.26

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 ₹15,401.47 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 up ₹0.02(0.05%)yesterday to ₹42.9144.

Among its top 3 holdings the fund has exposure to 8.20% Central Government - 2025(^), 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 31-May-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 31-May-2025

Fund Manager

About Kotak Savings Fund

Scheme Analysis

Fund House Contact