Kotak Low Duration Fund Standard-Growth

Q: What are the returns of Kotak Low Duration Fund?

The Kotak Low Duration Fund is a 17 yrs 6 m old fund and has delivered average annual returns of 7.2% since inception. Kotak Low Duration Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.47% 6.94% 5.65% 6.89% 7.2%

NAV as of Sep 03, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹3380.2989+0.01% 1 day change	7.2% p.a.	App exclusive #NA View Ranked Funds	₹12,913 Cr

Historical NAV & returns

NAV: ₹3380.2989 as on Sep 03, 2025

This fund Category average

Kotak Low Duration Fund overview

Expense ratio	1.18% as on Aug 31, 2025
Plan type	Regular
Exit load	0%
AUM (Fund size)	₹12,913 Cr
Lock-in Period	Nil
Age	17 yrs 6 m since Feb 29, 2008
Benchmark	NIFTY Low Duration Debt Index A-I
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Kotak Low Duration 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	0.24%	0.31%
3 Months	1.32%	1.42%
6 Months	3.97%	4.05%
1 Year	7.47%	7.6%
2 Years	7.2%	7.36%
3 Years	6.94%	7.06%
4 Years	5.94%	6.25%
5 Years	5.65%	5.85%
7 Years	6.45%	6.17%
10 Years	6.89%	6.55%

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

AAA 62.61%

SOV 12.41%

A1+ 11.31%

AA+ 7.89%

Top Debt Holdings

National Bank For Agriculture & Rural Development 10.07%

Small Industries Devp. Bank of India Ltd. 6.45%

REC Ltd. 6.44%

HDFC Bank Ltd. 4.47%

Allocation by Instruments

Bifurcation by Instrument is not available for this fund

Other Holdings

Others 0.26%

Detailed portfolio analysis

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Kotak Low Duration Fund	N.A.	12,913 Cr	17 yrs 6 m	1.18%
Sundaram Low Duration Fund	N.A.	398 Cr	21 yrs	1.15%
Mirae Asset Low Duration Fund	N.A.	1,838 Cr	17 yrs 6 m	0.85%
Mahindra Manulife Low Duration Fund	N.A.	624 Cr	8 yrs 6 m	1.09%
LIC MF Low Duration Fund	N.A.	1,450 Cr	22 yrs 3 m	0.94%
HDFC Low Duration Fund	N.A.	21,198 Cr	25 yrs 9 m	1.04%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Kotak Low Duration Fund	0.24%	3.97%	7.47%	6.94%	5.65%	6.89%
Sundaram Low Duration Fund	0.33%	3.84%	7.48%	6.84%	6.99%	5.95%
Mirae Asset Low Duration Fund	0.31%	3.93%	7.47%	6.91%	5.52%	5.99%
Mahindra Manulife Low Duration Fund	0.32%	3.87%	7.34%	6.83%	5.43%	5.15%
LIC MF Low Duration Fund	0.3%	3.81%	7.27%	6.74%	5.51%	6.1%
HDFC Low Duration Fund	0.27%	4.02%	7.5%	7.11%	5.93%	6.72%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Kotak Low Duration Fund	0.45	1.02	0.97	1.77
Sundaram Low Duration Fund	0.42	1.04	0.78	1.36
Mirae Asset Low Duration Fund	0.42	1.1	0.95	1.42
Mahindra Manulife Low Duration Fund	0.41	0.99	0.77	1.09
LIC MF Low Duration Fund	0.44	1.16	0.54	0.91
HDFC Low Duration Fund	0.45	1.05	1.32	2.21

View all Low Duration funds

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

Alpha	2.32 vs. 2.85 Underperformed at beating benchmark
Sharpe	0.97 vs. 3.2 Poor risk-adjusted returns
Beta	1.02 vs. 1.4 Less sensitive to market ups & downs
Standard deviation	0.45 vs. 0.39 More volatile performance

Compare Kotak Low Duration Fund in detail with

About this fund

About Kotak Low Duration Fund

Kotak Low Duration Fund Standard-Growth is a Low Duration mutual fund scheme from Kotak Mahindra Mutual Fund. This fund has been in existence for 17 yrs 6 m, having been launched on 29/02/2008. Kotak Low Duration Fund Standard-Growth has ₹12,913 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 Low Duration Fund Standard-Growth as of 03/09/2025 is ₹3380.30. The fund has an expense ratio of 1.18%, which is higher than what most other Low Duration funds charge.

Kotak Low Duration Fund Standard-Growth returns of last 1-year are 7.48%. Since launch, it has delivered 7.20% average annual returns. The fund has doubled the money invested in it every 11 yrs.
Kotak Low Duration Fund Standard-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 high.
The fund's credit profile is high indicating it has lent to borrowers whose quality is great. 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 National Bank For Agriculture & Rural Development, Small Industries Devp. Bank of India Ltd., REC Ltd., HDFC Bank Ltd., Bajaj Housing Finance Ltd..

...

Fund AUM	12,913 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 generate income through investment in low duration debt and money market securities.

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%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Kotak Low Duration Fund?

The current Net Asset Value (NAV) of the Kotak Low Duration Fund - Direct Growth plan is approximately ₹3380.2989 as of Sep 03, 2025.

What are the returns of this mutual fund scheme?

The Kotak Low Duration Fund is a 17 yrs 6 m old fund and has delivered average annual returns of 7.2% since inception.

Kotak Low Duration Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.47%	6.94%	5.65%	6.89%	7.2%

How much does this mutual fund charge as expense ratio?

The Kotak Low Duration Fund - Direct Growth has an expense ratio of 1.18%, 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 Low Duration Fund currently has assets under management (AUM) or fund size valued at approximately 12,913 Cr as on May 31, 2025.

To whom does Kotak Low Duration Fund lend to?

The top 3 debt holdings of Kotak Low Duration Fund are as follows

Holding Name	Percentage of Portfolio
National Bank For Agriculture & Rural Development	10.07%
Small Industries Devp. Bank of India Ltd.	6.45%
REC Ltd.	6.44%

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 Low Duration Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	62.61%
SOV	12.41%
A1+	11.31%

What is risk level of Kotak Low Duration Fund?

This is a Low 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 Low Duration Fund?

Kotak Low Duration Fund Standard-Growth is the regular plan of the fund. For this plan of you pay 1.18% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 0.42%. That's 0.76% 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 0.76% if you opt for direct plan of Kotak Low Duration Fund

How can I redeem my investments in Kotak Low Duration Fund?

Redeeming your investments in Kotak Low Duration 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 Low Duration Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Low Duration

#NA

Return Consistency: This fund is one of the best in generating consistent return in it's category.
Return Outperformance: This fund has generated highest return amongst Low 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.
Return/Risk: The fund is performing poorly than its category.