Kotak Savings Fund Regular-Growth

Q: What are the returns of Kotak Savings Fund?

The Kotak Savings Fund is a 21 yrs 1 m old fund and has delivered average annual returns of 7.2% since inception. Kotak Savings Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.16% 6.9% 5.56% 6.5% 7.2%

NAV as of Sep 03, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹43.3407+0.01% 1 day change	7.2% p.a.	App exclusive #NA View Ranked Funds	₹15,401 Cr

Historical NAV & returns

NAV: ₹43.3407 as on Sep 03, 2025

This fund Category average

Kotak Savings Fund overview

Expense ratio	0.83% as on Aug 31, 2025
Plan type	Regular
Exit load	0%
AUM (Fund size)	₹15,401 Cr
Lock-in Period	Nil
Age	21 yrs 1 m since Aug 02, 2004
Benchmark	NIFTY Ultra Short Duration Debt Index A-I
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Risk	Low to Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Kotak Savings 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	0.37%	0.4%
3 Months	1.44%	1.48%
6 Months	3.7%	3.62%
1 Year	7.16%	7.09%
2 Years	7.09%	7.01%
3 Years	6.9%	6.79%
4 Years	6.07%	5.99%
5 Years	5.56%	5.52%
7 Years	6.11%	5.71%
10 Years	6.5%	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+ 53.13%

AAA 22.5%

SOV 15.14%

AA+ 6.39%

Top Debt Holdings

Canara Bank 6.73%

Reserve Bank of India 5.98%

GOI 5.23%

Indusind Bank Ltd. 4.38%

Allocation by Instruments

Bifurcation by Instrument is not available for this fund

Other Holdings

Others 0.52%

Detailed portfolio analysis

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Kotak Savings Fund	N.A.	15,401 Cr	21 yrs 1 m	0.83%
ICICI Prudential Ultra Short Term Fund	N.A.	16,269 Cr	14 yrs 4 m	0.8%
Sundaram Ultra Short Duration Fund	N.A.	2,551 Cr	17 yrs 8 m	1.48%
Axis Ultra Short Duration Fund	N.A.	6,122 Cr	7 yrs	1.2%
WhiteOak Capital Ultra Short Duration Fund	N.A.	475 Cr	6 yrs 3 m	1.02%
Tata Ultra Short Term Fund	N.A.	4,684 Cr	6 yrs 7 m	1.14%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Kotak Savings Fund	0.37%	3.7%	7.16%	6.9%	5.56%	6.5%
ICICI Prudential Ultra Short Term Fund	0.42%	3.84%	7.43%	7.1%	5.93%	6.99%
Sundaram Ultra Short Duration Fund	0.34%	3.27%	6.38%	6.14%	4.75%	5.18%
Axis Ultra Short Duration Fund	0.38%	3.59%	6.98%	6.67%	5.38%	4.05%
WhiteOak Capital Ultra Short Duration Fund	0.38%	3.45%	6.83%	6.53%	5.31%	3.23%
Tata Ultra Short Term Fund	0.41%	3.52%	7.0%	6.63%	5.3%	3.66%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Kotak Savings Fund	0.31	0.72	1.22	1.87
ICICI Prudential Ultra Short Term Fund	0.3	0.72	1.86	2.82
Sundaram Ultra Short Duration Fund	0.28	0.67	-1.21	-1.89
Axis Ultra Short Duration Fund	0.29	0.72	0.57	0.83
WhiteOak Capital Ultra Short Duration Fund	0.27	0.65	0.07	0.1
Tata Ultra Short Term Fund	0.27	0.68	0.44	0.59

View all Ultra Short Duration funds

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

Alpha	1.72 vs. 2.72 Underperformed at beating benchmark
Sharpe	1.22 vs. 2.23 Poor risk-adjusted returns
Beta	0.72 vs. 0.98 Less sensitive to market ups & downs
Standard deviation	0.31 vs. 0.23 More volatile performance

Compare Kotak Savings Fund in detail with

About this fund

About Kotak Savings Fund

Kotak Savings Fund Regular-Growth is a Ultra Short Duration mutual fund scheme from Kotak Mahindra Mutual Fund. This fund has been in existence for 21 yrs 1 m, having been launched on 02/08/2004. Kotak Savings Fund Regular-Growth has ₹15,401 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 Savings Fund Regular-Growth as of 03/09/2025 is ₹43.34. The fund has an expense ratio of 0.83%, which is higher than what most other Ultra Short Duration funds charge.

Kotak Savings Fund Regular-Growth returns of last 1-year are 7.18%. Since launch, it has delivered 7.21% average annual returns. The fund has doubled the money invested in it every 11 yrs.
Kotak Savings Fund 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 better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in Canara Bank, Reserve Bank of India, GOI, Indusind Bank Ltd., Indian Bank.

...

Fund AUM	15,401 Cr as on May 31, 2025
Scheme document	View Scheme Document

Fund managers

Manu Sharma

Mr. Sharma has done M.Com and CA. He has over 17 years of experience in fields of Fixed Income Fund Management, Operations, Finance Audit and Taxation.

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 returns through investment in debt and money market instruments with a view to reduce the interest rate risk.

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 Savings Fund?

The current Net Asset Value (NAV) of the Kotak Savings Fund - Direct Growth plan is approximately ₹43.3407 as of Sep 03, 2025.

What are the returns of this mutual fund scheme?

The Kotak Savings Fund is a 21 yrs 1 m old fund and has delivered average annual returns of 7.2% since inception.

Kotak Savings Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.16%	6.9%	5.56%	6.5%	7.2%

How much does this mutual fund charge as expense ratio?

The Kotak Savings Fund - Direct Growth has an expense ratio of 0.83%, 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 Savings Fund currently has assets under management (AUM) or fund size valued at approximately 15,401 Cr as on May 31, 2025.

To whom does Kotak Savings Fund lend to?

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

Holding Name	Percentage of Portfolio
Canara Bank	6.73%
Reserve Bank of India	5.98%
GOI	5.23%

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 Savings Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	53.13%
AAA	22.5%
SOV	15.14%

What is risk level of Kotak Savings Fund?

This is a Ultra Short Duration fund comes with Low to 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 Savings Fund?

Kotak Savings Fund Regular-Growth is the regular plan of the fund. For this plan of you pay 0.83% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 0.37%. That's 0.45999999999999996% 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 0.45999999999999996% if you opt for direct plan of Kotak Savings Fund

How can I redeem my investments in Kotak Savings Fund?

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

ET Money rank

App exclusive

in Ultra Short Duration

#NA

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.