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Kotak Savings Fund Direct Growth
Debt
Ultra Short Duration
Moderate Risk
+7.38%
3Y annualised
0.00% 1D
NAV: 16 Jan '26
₹46.44
Min. SIP amount
₹100
Fund size
₹14,243.17 Cr
Expense ratio
0.36%
Return calculator
Monthly SIP
One time
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹61,754 | +2.92% | |
| 3 years | ₹1,80,000 | ₹1,99,653 | +10.92% | |
| 5 years | ₹3,00,000 | ₹3,55,039 | +18.35% | |
| 10 years | ₹6,00,000 | ₹8,37,682 | +39.61% |
Holdings (126)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| Bajaj Housing Finance Ltd. | Financial | NCD | 4.52% |
| National Bank For Agriculture & Rural Development | Financial | Debenture | 4.08% |
| National Bank For Agriculture & Rural Development | Financial | Debenture | 4.01% |
| REC Ltd. | Financial | Debenture | 3.34% |
| Small Industries Devp. Bank of India Ltd. | Financial | CD | 2.78% |
| IIFL Finance Ltd. | Financial | CP | 2.78% |
| Canara Bank | Financial | CD | 2.44% |
| Reserve Bank of India | Financial | T-Bills | 2.24% |
| Reserve Bank of India | Financial | T-Bills | 2.15% |
| Mankind Pharma Ltd. | Healthcare | Debenture | 2.12% |
| HDFC Bank Ltd. | Financial | CD | 2.06% |
| Bank Of Baroda | Financial | CD | 1.74% |
| Reserve Bank of India | Financial | T-Bills | 1.72% |
| Small Industries Devp. Bank of India Ltd. | Financial | CP | 1.71% |
| Bank Of Baroda | Financial | CD | 1.71% |
| Bajaj Housing Finance Ltd. | Financial | CP | 1.71% |
| Bank Of Baroda | Financial | CD | 1.66% |
| GOI | Sovereign | GOI Sec | 1.59% |
| Radhakrishna Securitisation Trust | Others | Sec. Debt | 1.47% |
| National Bank For Agriculture & Rural Development | Financial | Bonds | 1.42% |
| Vedanta Ltd. | Metals & Mining | Debenture | 1.41% |
| Tamilnadu State | Others | SDL | 1.41% |
| Panatone Finvest Ltd | Financial | CP | 1.40% |
| Credila Financial Services Ltd. | Financial | CP | 1.40% |
| Poonawalla Fincorp Ltd. | Financial | NCD | 1.40% |
| Bharti Telecom Ltd. | Communication | Debenture | 1.39% |
| Reserve Bank of India | Financial | T-Bills | 1.39% |
| Axis Bank Ltd. | Financial | CD | 1.39% |
| Punjab National Bank | Financial | CD | 1.39% |
| Export-Import Bank Of India | Financial | CP | 1.37% |
| Reserve Bank of India | Financial | T-Bills | 1.37% |
| Bank Of Baroda | Financial | CD | 1.37% |
| Piramal Finance Ltd. | Financial | Debenture | 1.24% |
| LIC Housing Finance Ltd. | Financial | Debenture | 1.06% |
| Citi Corp Finance Ltd | Financial | Debenture | 1.05% |
| Small Industries Devp. Bank of India Ltd. | Financial | CD | 1.05% |
| Jamnagar Utilities and Power Pvt. Ltd. | Capital Goods | NCD | 1.05% |
| Nuvama Wealth Finance Ltd. | Financial | Debenture | 1.05% |
| LIC Housing Finance Ltd. | Financial | NCD | 1.05% |
| Reserve Bank of India | Financial | T-Bills | 1.04% |
| UCO Bank | Financial | CD | 1.03% |
| Small Industries Devp. Bank of India Ltd. | Financial | CD | 1.00% |
| Small Industries Devp. Bank of India Ltd. | Financial | Debenture | 0.99% |
| Tata Teleservices Ltd. | Communication | CP | 0.99% |
| Axis Bank Ltd. | Financial | CD | 0.99% |
| Mankind Pharma Ltd. | Healthcare | Bonds/Deb | 0.89% |
| Liquid Gold Series 14 | Others | SO | 0.79% |
| Jubilant Bevco Ltd. | Consumer Staples | Debenture | 0.75% |
| Liquid Gold Series 9 | Financial | SO | 0.74% |
| Can Fin Homes Ltd. | Financial | FRB | 0.71% |
| Muthoot Finance Ltd. | Financial | Debenture | 0.71% |
| GOI | Sovereign | GOI Sec | 0.70% |
| Gujarat State | Construction | SDL | 0.70% |
| Reserve Bank of India | Financial | T-Bills | 0.70% |
| 360 ONE Wealth Ltd. | Financial | Debenture | 0.70% |
| Embassy Office Parks REIT | Construction | NCD | 0.70% |
| Indusind Bank Ltd. | Financial | CD | 0.70% |
| Canara Bank | Financial | CD | 0.70% |
| Muthoot Finance Ltd. | Financial | CP | 0.70% |
| ICICI Securities Ltd. | Financial | CP | 0.70% |
| Small Industries Devp. Bank of India Ltd. | Financial | CP | 0.69% |
| Barclays Investments & Loans Ltd. | Financial | CP | 0.69% |
| Reserve Bank of India | Financial | T-Bills | 0.69% |
| Bank of India | Financial | CD | 0.69% |
| Canara Bank | Financial | CD | 0.69% |
| Bank of India | Financial | CD | 0.68% |
| Manappuram Finance Ltd. | Financial | CP | 0.67% |
| Bahadur Chand Investments Pvt. Ltd. | Financial | CP | 0.66% |
| Bank Of Baroda | Financial | CD | 0.66% |
| Manappuram Finance Ltd. | Financial | CP | 0.66% |
| Bharti Telecom Ltd. | Communication | Debenture | 0.54% |
| Nirma Ltd. | Consumer Staples | Debenture | 0.53% |
| Tamilnadu State | Others | SDL | 0.53% |
| Muthoot Finance Ltd. | Financial | NCD | 0.53% |
| Small Industries Devp. Bank of India Ltd. | Financial | CD | 0.52% |
| Bahadur Chand Investments Pvt. Ltd. | Financial | CP | 0.52% |
| IDBI Bank Ltd. | Financial | CD | 0.52% |
| Indian Bank | Financial | CD | 0.52% |
| Union Bank of India | Financial | CD | 0.52% |
| IIFL Capital Services Ltd | Financial | CP | 0.52% |
| National Bank For Agriculture & Rural Development | Financial | FRB | 0.42% |
| India Universal Trust AL1 | Others | Sec. Debt | 0.39% |
| Vedanta Ltd. | Metals & Mining | Debenture | 0.35% |
| Small Industries Devp. Bank of India Ltd. | Financial | CP | 0.35% |
| Tata Capital Housing Finance Ltd. | Financial | NCD | 0.35% |
| SBICAP Securities Ltd. | Financial | CP | 0.35% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | NCD | 0.35% |
| HDFC Bank Ltd. | Financial | CD | 0.35% |
| Hindustan Zinc Ltd. | Metals & Mining | Debenture | 0.35% |
| LIC Housing Finance Ltd. | Financial | Bonds/NCD | 0.35% |
| Samvardhana Motherson International Ltd. | Automobile | Debenture | 0.35% |
| Indian Bank | Financial | CD | 0.35% |
| Union Bank of India | Financial | CD | 0.35% |
| Muthoot Finance Ltd. | Financial | CP | 0.35% |
| Bajaj Housing Finance Ltd. | Financial | NCD | 0.35% |
| Reserve Bank of India | Financial | T-Bills | 0.34% |
| Gujarat State | Construction | SDL | 0.32% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | NCD | 0.31% |
| Indian Bank | Financial | CD | 0.21% |
| Sikka Ports and Terminals Ltd. | Energy | Debenture | 0.18% |
| Bajaj Finance Ltd. | Financial | Debenture | 0.18% |
| Godrej Properties Ltd. | Construction | Debenture | 0.18% |
| GOI | Sovereign | GOI Sec | 0.17% |
| Export-Import Bank Of India | Financial | CD | 0.17% |
| Standard Chartered Investment & Loan India Ltd. | Financial | CP | 0.17% |
| Tata Capital Housing Finance Ltd. | Financial | Bonds/NCD | 0.17% |
| Canara Bank | Financial | CD | 0.17% |
| Bank Of Baroda | Financial | CD | 0.14% |
| HDB Financial Services Ltd. | Financial | Debenture | 0.11% |
| Tamilnadu State | Others | SDL | 0.07% |
| HDFC Bank Ltd. | Financial | CD | 0.07% |
| L&T Finance Ltd. | Financial | Bonds | 0.07% |
| National Bank For Agriculture & Rural Development | Financial | Debenture | 0.04% |
| Shriram Finance Ltd | Financial | Sec. Debt | 0.04% |
| Small Industries Devp. Bank of India Ltd. | Financial | Debenture | 0.04% |
| Andhra Pradesh State | Financial | SDL | 0.04% |
| Tata Capital Financial Services Ltd. | Financial | Debenture | 0.04% |
| Madhya Pradesh State | Others | SDL | 0.04% |
| Bajaj Finance Ltd. | Financial | Debenture | 0.04% |
| Power Finance Corporation Ltd. | Financial | NCD | 0.04% |
| REC Ltd. | Financial | NCD | 0.04% |
| Canara Bank | Financial | CD | 0.03% |
| Bank Of Baroda | Financial | CD | 0.03% |
| LIC Housing Finance Ltd. | Financial | Debenture | 0.02% |
| Maharashtra State | Others | SDL | 0.02% |
| Rajasthan State | Others | SDL | 0.02% |
See All
Minimum investments
Min. for 1st investment
₹100
Min. for 2nd investment
₹100
Min. for SIP
₹100
Returns and rankings
Annualised returns
Absolute returns
| Name | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +7.4% | +6.2% | +6.8% | +7.4% |
| Category average (Debt Ultra Short Duration) | +6.8% | +5.7% | +6.0% | -- |
| Rank (Debt Ultra Short Duration) | 11 | 12 | 3 | -- |
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
Compare similar funds
| Name | 1Y | 3Y | Fund Size(Cr) | |
|---|---|---|---|---|
Tata Ultra Short Term Fund Direct Growth | +7.31% | +7.52% | 4,560.56 | |
Mirae Asset Ultra Short Duration Fund Direct Growth | +7.19% | +7.49% | 2,067.19 | |
Invesco India Ultra Short Duration Fund Direct Growth | +7.14% | +7.40% | 1,233.91 | |
Mahindra Manulife Ultra Short Duration Fund Direct Growth | +7.03% | +7.38% | 218.94 | |
PGIM India Ultra Short Duration Direct Growth | +6.84% | +7.21% | 174.71 | |
| Compare | ||||
Fund management
DADeepak AgrawalJan 2013 - PresentView details
DA
Deepak Agrawal
Jan 2013 - Present
View details
MSManu SharmaNov 2022 - PresentView details
MS
Manu Sharma
Nov 2022 - Present
View details
About Kotak Savings Fund Direct Growth
Kotak Savings Fund Direct 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 Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹5,69,913 Cr and the Latest NAV as of 16 Jan 2026 is ₹46.44.
The Kotak Savings Fund Direct Growth is rated Moderate risk. Minimum SIP Investment is set to ₹100. Minimum Lumpsum Investment is ₹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₹5,69,913.46 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,