Top 10 Kotak Mutual Funds

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
Kotak Low Duration FundDebtModerate7.7%5star4,592
Kotak Banking & PSU Debt FundDebtModerately Low6.2%4star864
Kotak Savings FundDebtModerately Low7.4%4star6,783
Kotak Dynamic Bond FundDebtModerately Low6.5%4star531
Kotak Gilt - Investment PlanDebtModerate6.3%3star748
Kotak Gilt - Investment PlanDebtModerate6.3%3star396
Kotak Bond Short Term PlanDebtModerately Low6.3%3star7,832
Kotak Credit Risk FundDebtModerately Low6.4%3star4,927
Kotak Medium Term FundDebtModerate5.4%3star4,255
Kotak Money Market SchemeDebtLow7.6%3star0
Kotak Liquid FundDebtLow7.4%3star0
Kotak BondDebtModerate4.6%2star1,762
Kotak Corporate Bond FundDebtModerately Low7.2%2star725
View All Top 10 Kotak Mutual Funds

Best Kotak Debt Mutual Funds

Kotak Group is India's first NBFC. It has about 80 branches that offer mutual fund services. It also has overseas branches in Abu Dhabi, Dubai, London, New York, Texas, California and Singapore.

Kotak Group has a market capitalization of USD 26.98 Bn and around 46,000+ employees working under it. The asset management company offers various funds across different market capitalization for investors with varying risk appetite and ideal investment duration.

The vision of Kotak mutual funds is to be an ethical market player in the Indian mutual fund industry and it strives to offer the best products to its investors. Kotak has a legacy of many years and therefore, its brand value helps its products to stand-out in the market. The AMC has garnered over 10 lakh customers, within the span of 12 years.

If you are saving for very short-term goals like a vacation or buying an automobile, then this category is ideal for gains within one year. It is also an excellent resort to park your money until you decide where to invest or spend next. Returns are taxed as per your income tax slab if sold before three years and have negligible tax post that period.

Purpose: Invest here for your short term goals like a vacation, buying a bike, jewelry or expensive gadget.

Let's have a closer look

Now let us jump and check about these top 10 mutual fund schemes.

Kotak Low Duration Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Low Duration segment and provided 8.57% annualized returns in the last 3 years. In the last 1 year, it gave 7.68% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.68% returns in the last 1 year. Groww rated this fund as 5 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Deepak Agrawal

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating5star
AUM4,592Cr
1Y Returns7.7%

Kotak Banking & PSU Debt Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Banking & PSU segment and provided 7.86% annualized returns in the last 3 years. In the last 1 year, it gave 6.19% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 6.19% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Deepak Agrawal

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating4star
AUM864Cr
1Y Returns6.2%

Kotak Savings Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Ultra Short Duration segment and provided 7.75% annualized returns in the last 3 years. In the last 1 year, it gave 7.41% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.41% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Deepak Agrawal

Launch Date30 Dec 2012
Min Investment Amt5,000
Groww Rating4star
AUM6,783Cr
1Y Returns7.4%

Kotak Dynamic Bond Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Dynamic segment and provided 9.14% annualized returns in the last 3 years. In the last 1 year, it gave 6.53% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 6.53% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Deepak Agrawal

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating4star
AUM531Cr
1Y Returns6.5%

Kotak Gilt - Investment Plan - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Gilt segment and provided 8.63% annualized returns in the last 3 years. In the last 1 year, it gave 6.29% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 6.29% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Abhishek Bisen

Launch Date20 Jan 2013
Min Investment Amt5,000
Groww Rating3star
AUM748Cr
1Y Returns6.3%

Kotak Gilt - Investment Plan - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Gilt segment and provided 8.62% annualized returns in the last 3 years. In the last 1 year, it gave 6.27% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 6.27% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Abhishek Bisen

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating3star
AUM396Cr
1Y Returns6.3%

Kotak Bond Short Term Plan - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Short Duration segment and provided 7.97% annualized returns in the last 3 years. In the last 1 year, it gave 6.3% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 6.3% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Deepak Agrawal

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating3star
AUM7,832Cr
1Y Returns6.3%

Kotak Credit Risk Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Credit Risk segment and provided 8.85% annualized returns in the last 3 years. In the last 1 year, it gave 6.41% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 6.41% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Deepak Agrawal

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating3star
AUM4,927Cr
1Y Returns6.4%

Kotak Medium Term Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Medium Duration segment and provided 8.67% annualized returns in the last 3 years. In the last 1 year, it gave 5.4% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 5.4% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Deepak Agrawal

Launch Date20 Mar 2014
Min Investment Amt5,000
Groww Rating3star
AUM4,255Cr
1Y Returns5.4%

Kotak Money Market Scheme - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Liquid segment and provided -100% annualized returns in the last 3 years. In the last 1 year, it gave 7.57% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.57% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Deepak Agrawal

Launch Date30 Dec 2012
Min Investment Amt5,000
Groww Rating3star
AUM0Cr
1Y Returns7.6%

Kotak Liquid Scheme - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Liquid segment and provided -100% annualized returns in the last 3 years. In the last 1 year, it gave 7.37% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.37% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Deepak Agrawal

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating3star
AUM0Cr
1Y Returns7.4%

Kotak Bond - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Medium to Long Duration segment and provided 7.24% annualized returns in the last 3 years. In the last 1 year, it gave 4.58% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 4.58% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Abhishek Bisen

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating2star
AUM1,762Cr
1Y Returns4.6%

Kotak Corporate Bond Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Corporate Bond segment and provided 8.11% annualized returns in the last 3 years. In the last 1 year, it gave 7.18% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.18% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Deepak Agrawal

Launch Date10 Jan 2013
Min Investment Amt5,000
Groww Rating2star
AUM725Cr
1Y Returns7.2%

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What does investing in Kotak Debt Mutual Funds actually mean?

Suppose a mutual fund invests in ten stocks and total current market value of these stocks is 1.1 Crore. Out of this, the AMC deducts say, 0.1 Crore for operating the fund (this is known as the expense ratio). So the net value is 1 crore. Now the AMC will divide this 1 Crore into say, 10,000 parts. These parts are known as units. The cost of one unit is 1Cr/10,000 = Rs. 1000. This is known as the Net Asset Value (NAV) of the mutual fund. Suppose the AMC has set a minimum investment requirement of Rs. 500. Then if you pay Rs. 500, you will get 0.5 units of the fund. Remember that the cost of one unit is the cost when you made the purchase. Suppose after one year, the NAV has fallen to Rs. 700 per unit and you wish to exit the fund (also known as redemption), then you sell your 0.5 units back to the AMC and get 0.5 x Rs. 700 = Rs. 350 back. Yes, you invested Rs. 500 and got back Rs. 350 – a loss of 150 over a year. The point is, that you buy units at current NAV and sell units (fully or partially) at current NAV. This is what investing in mutual fund actually means.

How to invest in Kotak Mutual Funds on Groww?

One of the best ways to hedge against the small-cap volatility is to adopt a phased approach, also known as Systematic Investment Plan (SIP) approach. We are sure that you must be aware of SIP and its benefits. Buying in small quantity but buying regularly provides you with faster growth. On Groww.in, all transactions to and from AMC is done via BSE. When you decide to invest in a large cap mutual fund of your choice, you choose that mutual fund on the website and click ‘invest’. Following that, you are redirected to the BSE page where you make the payment. BSE then directs your money to the AMC managing your mutual fund. To be assured at your end, you can visit the individual AMC website after the payment. You would be able to see all your purchased units against your folio number.

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Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing.
Past performance is not indicative of future returns. Please consider your specific investment requirements, risk tolerance, investment goal, time frame, risk and reward balance and the cost associated with the investment before choosing a fund, or designing a portfolio that suits your needs.
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