Kotak Bond Short Term Fund Direct-Growth

Q: What are the returns of this mutual fund scheme?

The Kotak Bond Short Term Fund Direct-Growth is a 12 yrs 9 m old fund and has delivered average annual returns of 8.08% since inception. Kotak Bond Short Term Fund Direct-Growth Returns 1-Year 3-Year 5-Year 10-Year Since Inception 8.49% 8.19% 6.43% 7.74% 8.08%

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹58.6771+0.06% 1 day change	8.08% p.a.	App exclusive #NA View Ranked Funds	₹18,156 Cr

Historical NAV & returns

NAV: ₹58.6771 as on Oct 20, 2025

This fund Category average

Kotak Bond Short-term Fund overview

Expense ratio	0.39% as on Sep 30, 2025
Exit load	0%
AUM (Fund size)	₹18,156 Cr
Lock-in Period	Nil
Age	12 yrs 9 m since Jan 01, 2013
Benchmark	NIFTY SD Debt Index A-II
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Kotak Bond Short-term Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Oct 25, 2025

Period	This fund	Category average
1 Month	0.73%	0.68%
3 Months	1.3%	1.35%
6 Months	3.23%	3.38%
1 Year	8.49%	8.6%
2 Years	8.7%	8.63%
3 Years	8.19%	8.25%
4 Years	6.82%	7.12%
5 Years	6.43%	6.75%
7 Years	7.79%	7.37%
10 Years	7.74%	7.41%

Asset allocationas on Sep 30, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AAA 72.92094661%

SOV 22.2214887%

Cash & Call Money 4.43940624%

Others 0.27274766%

Top Debt Holdings

Bajaj Finance Ltd. 5.31%

LIC Housing Finance Ltd. 3.46%

GOI 3.42%

Karnataka State 2.77%

Allocation by Instruments

Debenture 37.425942979999995%

Bonds 17.825864700000004%

GOI Securities 11.85592203%

Non Convertible Debenture 8.43832699%

Other Holdings

Others 4.37%

Detailed portfolio analysis

Key risk & return ratios Compared to other funds in the category

Alpha	6.19 vs. 4.78 Higher outperformance against benchmark
Sharpe	1.41 vs. 4.39 Poor risk-adjusted returns
Beta	2.62 vs. 2.43 More sensitive to market's ups & downs
Standard deviation	1.05 vs. 1.0 More volatile performance

Compare Kotak Bond Short-term Fund in detail with

About this fund

About Kotak Bond Short-term Fund

Kotak Bond Short Term Fund Direct-Growth is a Short Duration mutual fund scheme from Kotak Mahindra Mutual Fund. This fund has been in existence for 12 yrs 9 m, having been launched on 01/01/2013. Kotak Bond Short Term Fund Direct-Growth has ₹18,156 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Kotak Bond Short Term Fund Direct-Growth as of 20/10/2025 is ₹58.68. The fund has an expense ratio of 0.39%, which is close to what most other Short Duration funds charge.

Kotak Bond Short Term Fund Direct-Growth returns of last 1-year are 8.53%. Since launch, it has delivered 8.09% average annual returns. The fund has doubled the money invested in it every 10 yrs.
Kotak Bond Short Term Fund Direct-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund's credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in Bajaj Finance Ltd., LIC Housing Finance Ltd., GOI, Karnataka State, Tamilnadu State.

...

Fund AUM	18,156 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Abhishek Bisen

Mr. Bisen is a BA and MBA in Finance. Prior to joining Kotak AMC, he was working with Securities Trading Corporation Of India Ltd where he was looking at Sales & Trading of Fixed Income Products apart from doing Portfolio Advisory. His earlier assignments also include 2 years of merchant banking experience with a leading merchant banking firm.

Deepak Agrawal

Mr. Agrawal is Post Graduate in Commerce from Mumbai University, Chartered Accountant, Company Secretary and CFA. He has been associated with Kotak AMC since 2002.

Investment objective

The scheme seeks to provide reasonable returns and reasonably high levels of liquidity by investing in debt instruments such as bonds, debentures and Government securities; and money market instruments such as treasury bills, commercial papers, certificates of deposit, including repos in permitted securities of different maturities, so as to spread the risk across different kinds of issuers in the debt markets.

Kotak Mahindra Mutual Fund details

No. of schemes	83 view all schemes
Total AUM	5,66,982 Cr as on Sep 30, 2025
Address	The Capital Building, Behind ICICI Bank, G Block BKC, Bandra Kurla Complex Bandra (E) Mumbai, 400051
Phone	022-61152100 / 1800-22-2626

More funds from Kotak Mahindra Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
Kotak Medium Term Fund	N.A.	1,837 Cr	9.77%	9.13%
Kotak Nifty SDL Apr 2032 Top 12 Equal Weight Index Fund	N.A.	2,937 Cr	7.44%	8.83%
Kotak Credit Risk Fund	N.A.	683 Cr	10.02%	8.65%
Kotak Dynamic Bond Fund	N.A.	2,829 Cr	7.14%	8.58%
Kotak Floating Rate Fund	N.A.	2,989 Cr	8.73%	8.33%
Kotak Bond Fund	N.A.	2,075 Cr	7.13%	8.26%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Kotak Bond Short Term Fund Direct-Growth?

The current Net Asset Value (NAV) of the Kotak Bond Short-term Fund - Direct Growth plan is approximately ₹58.6771 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Kotak Bond Short Term Fund Direct-Growth is a 12 yrs 9 m old fund and has delivered average annual returns of 8.08% since inception.

Kotak Bond Short Term Fund Direct-Growth Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
8.49%	8.19%	6.43%	7.74%	8.08%

How much does this mutual fund charge as expense ratio?

The Kotak Bond Short-term Fund - Direct Growth has an expense ratio of 0.39%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The Kotak Bond Short-term Fund currently has assets under management (AUM) or fund size valued at approximately 18,156 Cr as on Sep 30, 2025.

To whom does Kotak Bond Short-term Fund lend to?

The top 3 debt holdings of Kotak Bond Short-term Fund are as follows

Holding Name	Percentage of Portfolio
Bajaj Finance Ltd.	5.31%
LIC Housing Finance Ltd.	3.46%
GOI	3.42%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Kotak Bond Short-term Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	72.92094661%
SOV	22.2214887%
Cash & Call Money	4.43940624%

What is risk level of Kotak Bond Short-term Fund?

This is a Short Duration fund comes with Moderate risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How do I invest in Kotak Bond Short Term Fund Direct-Growth?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for Kotak Bond Short-term Fund - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the Kotak Bond Short-term Fund is complete.

How can I redeem my investments in Kotak Bond Short-term Fund?

Redeeming your investments in the Kotak Bond Short-term Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Short Duration

#NA

Return Outperformance: This fund has generated highest return amongst Short Duration funds in the last 10 Years.
Exit Load: This fund has no exit load.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Chance: This fund has generated only 7.25% annual return in 70% of times for investors holding for at least 5 years.
Return/Risk: The fund is performing poorly than its category.