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Invest in direct mutual funds at zero charges via lump sump investments or SIPs
Kotak Savings Fund Growth
Debt
Ultra Short Duration
Moderate Risk
+6.91%
3Y annualised
+0.02% 1D
NAV: 20 Feb '26
₹44.49
Min. for SIP
Not Supported
Fund size
₹16,788.24 Cr
Expense ratio
0.82%
Holdings (116)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| Axis Bank Ltd. | Financial | CD | 3.91% |
| Bajaj Housing Finance Ltd. | Financial | NCD | 3.83% |
| National Bank For Agriculture & Rural Development | Financial | Debenture | 3.45% |
| National Bank For Agriculture & Rural Development | Financial | Debenture | 3.40% |
| REC Ltd. | Financial | Debenture | 2.38% |
| IIFL Finance Ltd. | Financial | CP | 2.38% |
| HDFC Bank Ltd. | Financial | CD | 1.95% |
| Canara Bank | Financial | CD | 1.95% |
| Reserve Bank of India | Financial | T-Bills | 1.83% |
| Mankind Pharma Ltd. | Healthcare | Debenture | 1.79% |
| HDFC Bank Ltd. | Financial | CD | 1.75% |
| Bank Of Baroda | Financial | CD | 1.46% |
| Small Industries Devp. Bank of India Ltd. | Financial | CD | 1.46% |
| Reserve Bank of India | Financial | T-Bills | 1.46% |
| Small Industries Devp. Bank of India Ltd. | Financial | CP | 1.45% |
| Bajaj Housing Finance Ltd. | Financial | CP | 1.45% |
| Bank Of Baroda | Financial | CD | 1.41% |
| National Bank For Agriculture & Rural Development | Financial | CD | 1.39% |
| GOI | Sovereign | GOI Sec | 1.35% |
| Radhakrishna Securitisation Trust | Others | Sec. Debt | 1.24% |
| Vedanta Ltd. | Metals & Mining | Debenture | 1.20% |
| National Bank For Agriculture & Rural Development | Financial | Bonds | 1.20% |
| Torrent Pharmaceuticals Ltd. | Healthcare | Debenture | 1.19% |
| Poonawalla Fincorp Ltd. | Financial | NCD | 1.19% |
| Reserve Bank of India | Financial | T-Bills | 1.19% |
| Credila Financial Services Ltd. | Financial | CP | 1.19% |
| Bajaj Housing Finance Ltd. | Financial | NCD | 1.19% |
| Small Industries Devp. Bank of India Ltd. | Financial | CD | 1.18% |
| Bharti Telecom Ltd. | Communication | Debenture | 1.17% |
| Reserve Bank of India | Financial | T-Bills | 1.17% |
| Bank Of Baroda | Financial | CD | 1.16% |
| Adani Power Ltd. | Energy | Debenture | 1.13% |
| Piramal Finance Ltd. | Financial | Debenture | 1.05% |
| LIC Housing Finance Ltd. | Financial | Debenture | 0.89% |
| Citi Corp Finance Ltd | Financial | Debenture | 0.89% |
| Small Industries Devp. Bank of India Ltd. | Financial | CP | 0.89% |
| Reserve Bank of India | Financial | T-Bills | 0.89% |
| Jamnagar Utilities and Power Pvt. Ltd. | Capital Goods | NCD | 0.89% |
| 360 ONE Wealth Ltd. | Financial | NCD | 0.89% |
| Nuvama Wealth Finance Ltd. | Financial | Debenture | 0.89% |
| UCO Bank | Financial | CD | 0.88% |
| Small Industries Devp. Bank of India Ltd. | Financial | CD | 0.85% |
| Axis Bank Ltd. | Financial | CD | 0.84% |
| Union Bank of India | Financial | CD | 0.84% |
| Tata Teleservices Ltd. | Communication | CP | 0.84% |
| Small Industries Devp. Bank of India Ltd. | Financial | Debenture | 0.83% |
| Tata Housing Devp. Co. Ltd | Construction | CP | 0.83% |
| IIFL Finance Ltd. | Financial | CP | 0.82% |
| Torrent Pharmaceuticals Ltd. | Healthcare | CP | 0.81% |
| Tamilnadu State | Others | SDL | 0.75% |
| Mankind Pharma Ltd. | Healthcare | Bonds/Deb | 0.75% |
| Jubilant Bevco Ltd. | Consumer Staples | Debenture | 0.64% |
| Can Fin Homes Ltd. | Financial | FRB | 0.60% |
| Gujarat State | Construction | SDL | 0.60% |
| Muthoot Finance Ltd. | Financial | Debenture | 0.60% |
| Liquid Gold Series 14 | Others | SO | 0.60% |
| Bank of India | Financial | CD | 0.59% |
| Small Industries Devp. Bank of India Ltd. | Financial | CP | 0.59% |
| Barclays Investments & Loans Ltd. | Financial | CP | 0.59% |
| Reserve Bank of India | Financial | T-Bills | 0.59% |
| 360 ONE Wealth Ltd. | Financial | Debenture | 0.59% |
| Embassy Office Parks REIT | Construction | NCD | 0.59% |
| Bank of India | Financial | CD | 0.58% |
| Reserve Bank of India | Financial | T-Bills | 0.58% |
| Manappuram Finance Ltd. | Financial | CP | 0.57% |
| Small Industries Devp. Bank of India Ltd. | Financial | CD | 0.56% |
| Manappuram Finance Ltd. | Financial | CP | 0.56% |
| Bahadur Chand Investments Pvt. Ltd. | Financial | CP | 0.56% |
| Muthoot Finance Ltd. | Financial | CP | 0.55% |
| Liquid Gold Series 9 | Financial | SO | 0.55% |
| Bharti Telecom Ltd. | Communication | Debenture | 0.45% |
| Nirma Ltd. | Consumer Staples | Debenture | 0.45% |
| Tamilnadu State | Others | SDL | 0.45% |
| Muthoot Finance Ltd. | Financial | NCD | 0.45% |
| IDBI Bank Ltd. | Financial | CD | 0.44% |
| Small Industries Devp. Bank of India Ltd. | Financial | CD | 0.44% |
| Bahadur Chand Investments Pvt. Ltd. | Financial | CP | 0.44% |
| IIFL Capital Services Ltd | Financial | CP | 0.44% |
| National Bank For Agriculture & Rural Development | Financial | FRB | 0.36% |
| Hindustan Zinc Ltd. | Metals & Mining | Debenture | 0.30% |
| LIC Housing Finance Ltd. | Financial | Bonds/NCD | 0.30% |
| Vedanta Ltd. | Metals & Mining | Debenture | 0.30% |
| Tata Capital Housing Finance Ltd. | Financial | NCD | 0.30% |
| Birla Group Holdings Pvt. Ltd. | Financial | CP | 0.30% |
| SBICAP Securities Ltd. | Financial | CP | 0.30% |
| Reserve Bank of India | Financial | T-Bills | 0.29% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | NCD | 0.29% |
| Gujarat State | Construction | SDL | 0.27% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.27% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | NCD | 0.27% |
| Bajaj Finance Ltd. | Financial | Debenture | 0.15% |
| Godrej Properties Ltd. | Construction | Debenture | 0.15% |
| Canara Bank | Financial | CD | 0.15% |
| Export-Import Bank Of India | Financial | CD | 0.15% |
| Standard Chartered Investment & Loan India Ltd. | Financial | CP | 0.15% |
| Reserve Bank of India | Financial | T-Bills | 0.15% |
| Sikka Ports and Terminals Ltd. | Energy | Debenture | 0.15% |
| GOI | Sovereign | GOI Sec | 0.14% |
| Tata Capital Housing Finance Ltd. | Financial | Bonds/NCD | 0.14% |
| Bank Of Baroda | Financial | CD | 0.12% |
| HDB Financial Services Ltd. | Financial | Debenture | 0.09% |
| HDFC Bank Ltd. | Financial | CD | 0.06% |
| L&T Finance Ltd. | Financial | Bonds | 0.06% |
| Bajaj Finance Ltd. | Financial | Debenture | 0.04% |
| Canara Bank | Financial | CD | 0.03% |
| Bank Of Baroda | Financial | CD | 0.03% |
| Power Finance Corporation Ltd. | Financial | NCD | 0.03% |
| REC Ltd. | Financial | NCD | 0.03% |
| Indian Bank | Financial | CD | 0.03% |
| Small Industries Devp. Bank of India Ltd. | Financial | Debenture | 0.03% |
| Andhra Pradesh State | Financial | SDL | 0.03% |
| Tata Capital Financial Services Ltd. | Financial | Debenture | 0.03% |
| LIC Housing Finance Ltd. | Financial | Debenture | 0.02% |
| Maharashtra State | Others | SDL | 0.02% |
| Shriram Finance Ltd | Financial | Sec. Debt | 0.02% |
| Rajasthan State | Others | SDL | 0.01% |
See All
Minimum investments
Min. for 1st investment
Not Supported
Min. for 2nd investment
Not Supported
Min. for SIP
Not Supported
Returns and rankings
Annualised returns
Absolute returns
| Name | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +6.9% | +5.8% | +6.4% | +7.2% |
| Category average (Debt Ultra Short Duration) | +6.8% | +5.7% | +6.0% | -- |
| Rank (Debt Ultra Short Duration) | 11 | 12 | 4 | -- |
Exit load, stamp duty and tax
Exit load
Nil
Stamp duty on investment: 0.005% (from July 1st, 2020)
from July 1st 2020
Tax implication
Returns are taxed as per your Income Tax slab.
Check past data
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|---|---|---|---|---|
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| Compare | ||||
Fund management
DADeepak AgrawalApr 2008 - PresentView details
DA
Deepak Agrawal
Apr 2008 - Present
View details
MSManu SharmaNov 2022 - PresentView details
MS
Manu Sharma
Nov 2022 - Present
View details
About Kotak Savings Fund Growth
Kotak Savings Fund Growth is a Debt Mutual Fund Scheme launched by Kotak Mahindra Mutual Fund. This scheme was made available to investors on 05 Aug 1994. Deepak Agrawal is the Current Fund Manager of Kotak Savings Fund Growth fund. The fund currently has an Asset Under Management(AUM) of ₹5,78,989 Cr and the Latest NAV as of 20 Feb 2026 is ₹44.49.
The Kotak Savings Fund Growth is rated Moderate risk. Minimum SIP Investment is set to ₹100.
;
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.
Fund benchmarkNIFTY Ultra Short Duration Debt Index A-I
Fund house
Rank (total assets)#5 in India
Total AUM₹5,78,989.20 Cr
Date of Incorporation05 Aug 1994
Launch Date05 Aug 1994
AddressThe Capital Building, Behind ICICI Bank, G Block BKC, Bandra Kurla ComplexBandra (E) Mumbai 400051
Websitewww.camsonline.com
Address7th Floor, Tower II, Rayala Towers, 158, Anna Salai,