Kotak Liquid Regular - Growth

Q: What are the returns of Kotak Liquid Fund?

The Kotak Liquid Fund is a 21 yrs 10 m old fund and has delivered average annual returns of 6.87% since inception. Kotak Liquid Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 6.87% 6.94% 5.55% 6.14% 6.87%

NAV as of Sep 03, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹5330.7813+0.02% 1 day change	6.87% p.a.	App exclusive #NA View Ranked Funds	₹36,088 Cr

Historical NAV & returns

NAV: ₹5330.7813 as on Sep 03, 2025

This fund Category average

Kotak Liquid Fund overview

Expense ratio	0.31% as on Aug 31, 2025
Plan type	Regular
Exit load	0.007% Exit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days.!
AUM (Fund size)	₹36,088 Cr
Lock-in Period	Nil
Age	21 yrs 10 m since Nov 04, 2003
Benchmark	NIFTY Liquid Index A-I
Min. investment	Lumpsum: ₹5000
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Kotak Liquid 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 Sep 04, 2025

Period	This fund	Category average
1 Month	0.45%	0.45%
3 Months	1.44%	1.43%
6 Months	3.3%	3.24%
1 Year	6.87%	6.81%
2 Years	7.08%	7.03%
3 Years	6.94%	6.9%
4 Years	6.15%	6.14%
5 Years	5.55%	5.54%
7 Years	5.68%	5.67%
10 Years	6.14%	6.14%

Asset allocationas on May 31, 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

A1+ 93.32%

SOV 19.72%

AAA 0.87%

Others 0.24%

Top Debt Holdings

Reserve Bank of India 13.6%

Bank Of Baroda 10.9%

Punjab National Bank 8.78%

HDFC Bank Ltd. 8.47%

Allocation by Instruments

Bifurcation by Instrument is not available for this fund

Other Holdings

Others 1.39%

Detailed portfolio analysis

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Kotak Liquid Fund	N.A.	36,088 Cr	21 yrs 10 m	0.31%
Mirae Asset Liquid Fund	N.A.	14,285 Cr	16 yrs 8 m	0.19%
Mahindra Manulife Liquid Fund	N.A.	1,198 Cr	9 yrs 2 m	0.26%
Sundaram Liquid Fund	N.A.	6,288 Cr	21 yrs	0.32%
JM Liquid Fund	N.A.	2,196 Cr	27 yrs 8 m	0.26%
Quant Liquid Fund	N.A.	1,679 Cr	19 yrs 11 m	0.52%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Kotak Liquid Fund	0.45%	3.3%	6.87%	6.94%	5.55%	6.14%
Mirae Asset Liquid Fund	0.45%	3.28%	6.88%	6.98%	5.61%	6.11%
Mahindra Manulife Liquid Fund	0.45%	3.27%	6.88%	7.0%	5.62%	5.55%
Sundaram Liquid Fund	0.45%	3.26%	6.82%	6.94%	5.58%	6.08%
JM Liquid Fund	0.45%	3.23%	6.8%	6.9%	5.56%	6.18%
Quant Liquid Fund	0.44%	3.13%	6.71%	6.7%	5.67%	6.34%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Kotak Liquid Fund	0.18	0.4	2.2	2.71
Mirae Asset Liquid Fund	0.18	0.37	2.45	3.07
Mahindra Manulife Liquid Fund	0.17	0.34	2.73	3.23
Sundaram Liquid Fund	0.18	0.35	2.28	3.04
JM Liquid Fund	0.16	0.33	2.34	2.77
Quant Liquid Fund	0.17	0.32	1.07	1.38

View all Liquid funds

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

Alpha	1.15 vs. 2.92 Underperformed at beating benchmark
Sharpe	2.2 vs. 2.73 Poor risk-adjusted returns
Beta	0.4 vs. 0.85 Less sensitive to market ups & downs
Standard deviation	0.18 vs. 0.16 More volatile performance

Compare Kotak Liquid Fund in detail with

About this fund

About Kotak Liquid Fund

Kotak Liquid Regular - Growth is a Liquid mutual fund scheme from Kotak Mahindra Mutual Fund. This fund has been in existence for 21 yrs 10 m, having been launched on 04/11/2003. Kotak Liquid Regular - Growth has ₹36,088 Crores worth of assets under management (AUM) as on 31/05/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Kotak Liquid Regular - Growth as of 03/09/2025 is ₹5330.78. The fund has an expense ratio of 0.31%, which is higher than what most other Liquid funds charge.

Kotak Liquid Regular - Growth returns of last 1-year are 6.89%. Since launch, it has delivered 6.87% average annual returns. The fund has doubled the money invested in it every 12 yrs.
Kotak Liquid Regular - 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 similar borrowers and hence the risk of default in this fund is same as the category.
The fund's top holdings are in Reserve Bank of India, Bank Of Baroda, Punjab National Bank, HDFC Bank Ltd., National Bank For Agriculture & Rural Development.

...

Fund AUM	36,088 Cr as on May 31, 2025
Scheme document	View Scheme Document

Fund managers

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 a high level of liquidity along with reasonable returns through investments in money and other short-term debt instruments.

Kotak Mahindra Mutual Fund details

No. of schemes	82 view all schemes
Total AUM	5,26,213 Cr as on Jun 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 Corporate Bond Fund	N.A.	16,661 Cr	8.2%	7.48%
Kotak Money Market Fund	N.A.	31,657 Cr	7.81%	7.44%
Kotak Medium Term Fund	N.A.	1,912 Cr	8.15%	7.34%
Kotak Banking and PSU Debt Fund	N.A.	6,213 Cr	7.73%	7.29%
Kotak Bond Short-term Fund	N.A.	17,541 Cr	7.66%	7.01%
Kotak Low Duration Fund	N.A.	12,913 Cr	7.47%	6.94%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Kotak Liquid Fund?

The current Net Asset Value (NAV) of the Kotak Liquid Fund - Direct Growth plan is approximately ₹5330.7813 as of Sep 03, 2025.

What are the returns of this mutual fund scheme?

The Kotak Liquid Fund is a 21 yrs 10 m old fund and has delivered average annual returns of 6.87% since inception.

Kotak Liquid Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
6.87%	6.94%	5.55%	6.14%	6.87%

How much does this mutual fund charge as expense ratio?

The Kotak Liquid Fund - Direct Growth has an expense ratio of 0.31%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

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

The Kotak Liquid Fund currently has assets under management (AUM) or fund size valued at approximately 36,088 Cr as on May 31, 2025.

To whom does Kotak Liquid Fund lend to?

The top 3 debt holdings of Kotak Liquid Fund are as follows

Holding Name	Percentage of Portfolio
Reserve Bank of India	13.6%
Bank Of Baroda	10.9%
Punjab National Bank	8.78%

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 Liquid Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	93.32%
SOV	19.72%
AAA	0.87%

What is risk level of Kotak Liquid Fund?

This is a Liquid 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 Liquid Fund?

Kotak Liquid Regular - Growth is the regular plan of the fund. For this plan of you pay 0.31% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 0.2%. That's 0.10999999999999999% less.

Regular plans charge more because when you buy them, the fund pays commission to the agent. This is an additional expense for the fund and to cover this expense, the fund takes a bigger share from the returns generated by your investments.

So, the lower annual cost of the direct plan means you will earn 0.10999999999999999% if you opt for direct plan of Kotak Liquid Fund

How can I redeem my investments in Kotak Liquid Fund?

Redeeming your investments in Kotak Liquid Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

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

ET Money rank

App exclusive

in Liquid

#NA

Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days.