Kotak Savings Fund - Growth - Direct Plan

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₹43.5114 0.04 %Nav, as on 05-02-2025
Previous Nav
₹ 43.4957
Net Change on 05-02-2025
₹0.02
PersonalFN Rating
Unrated
Category
Debt - Ultra Short Duration Fund
Assets (Cr.)
₹ 13,150.62
Expense Ratio
0.37%
(As on Jan 31, 2025)

Fund Overview Growth | Direct Plan

Fund House
Kotak Mahindra Mutual Fund
Launch Date
01-Jan-2013
Benchmark
Crisil 1 Yr T-Bill Index
Minimum Investment (₹)
100
Minimum Addl Investment (₹)
100
Exit Load (%)
Nil
Minimum SIP Investment (₹)
100
Minimum STP Investment (₹)
500
Minimum SWP Investment (₹)
1,000
52 Week Low Nav (₹)
40.40
52 Week Low Nav Date
05-Feb-2024
52 Week High Nav (₹)
43.50
52 Week High Nav Date
04-Feb-2025

Fund Objective

The investment objective of the Scheme is to generate returns through investments in debt and MMI with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Fund Performance

Scheme Name	1-Month Return (%)	3-Month Return (%)	1-Year Return (%)	3-Year Return (%)	5-Year Return (%)	Since Inception
Kotak Savings Fund-Growth - Direct	6.79	6.95	7.65	6.73	5.96	7.42
Crisil 1 Yr T-Bill Index	N/A	N/A	N/A	N/A	N/A	N/A
NIFTY Ultra Short Duration Debt Index	N/A	N/A	N/A	N/A	N/A	N/A

Returns upto 1 year is Annualised, and above 1 year are Compounded Annualised

Peer Fund Comparison

Scheme Name	Launch Date	Ratings	1-Year Return (%)	3-Year Return (%)	5-Year Return (%)	Expense Ratio (%)	Assets (Cr.)
Kotak Savings Fund-Growth - Direct	Jan 01, 2013	Unrated	7.65	6.73	5.96	0.37	13,150.62
Bandhan ULTRA SHORT TERM FUND - DIRECT PLAN - GROWTH	Jul 18, 2018		7.57	6.60	5.74	0.27	3,881.10
UTI Ultra Short Duration Fund - Direct Plan - Growth Option	Jan 01, 2013		7.78	6.76	6.48	0.33	3,448

Fund Holdings as on 31-January-2025

Company % Assets
Triparty Repo
4.79
182 DAYS TREASURY BILL 15/05/2025
3.73
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)**
3.57
INDIAN BANK(^)**
3.54
BHARTI TELECOM LTD.(^)
3.23
364 DAYS TREASURY BILL 06/02/2025
3.04
7.6% REC LTD(^)**
2.85
UNION BANK OF INDIA(^)
2.50
7.99% MANKIND PHARMA LTD**
2.29
AXIS BANK LTD.(^)**
2.23
8.3% Nirma Ltd.
1.90
7.57% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**
1.90
IDFC FIRST BANK LIMITED**
1.89
FEDERAL BANK LTD.**
1.89
AXIS BANK LTD.(^)
1.85
AXIS BANK LTD.(^)**
1.82
INDUSIND BANK LTD.**
1.79
HDFC BANK LTD.(^)
1.79
PUNJAB NATIONAL BANK**
1.79
7.4% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT
1.74
8.9% BHARTI TELECOM LTD.(^)**
1.72
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA
1.51
PUNJAB NATIONAL BANK
1.50
HDFC BANK LTD.(^)
1.48
PUNJAB NATIONAL BANK**
1.42
Panatone Finvest Ltd.**
1.41
182 DAYS TREASURY BILL 08/05/2025
1.38
PTC INDIA UNIVERSAL TRUST AL1 (SERIES A1) 20/09/2026(INDIA UNIVERSAL TRUST AL1)**
1.35
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**
1.32
8.8% BHARTI TELECOM LTD.(^)**
1.14
7.87% LIC HOUSING FINANCE LTD.**
1.14
182 DAYS TREASURY BILL 14/02/2025
1.14
5.65% Tamil Nadu State Govt - 2025 - Tamil Nadu
1.14
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LTD.
1.14
AXIS BANK LTD.(^)**
1.06
UNION BANK OF INDIA**
1.06
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**
1.06
INDUSIND BANK LTD.(^)**
1.06
7.77% EMBASSY OFFICE PARKS REIT(^)**
0.95
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LTD.(^)**
0.92
Net Current Assets/(Liabilities)
0.78
8.29% Maharashtra State Govt - 2025 - Maharashtra
0.77
7.75% TITAN COMPANY LTD.(^)**
0.76
9.15% GRIHUM HOUSING FINANCE LIMITED**
0.76
7.72% LIC HOUSING FINANCE LTD.**
0.76
HERO FINCORP LTD.**
0.76
7.7% HDB Financial Services Ltd.**
0.76
6.4% John Deere Financial India Private Limited**
0.75
6.04% Gujarat State Govt - 2026 - Gujarat(^)
0.75
INDUSIND BANK LTD.**
0.73
Bahadur Chand Investments Private Limited(^)**
0.73
364 DAYS TREASURY BILL 26/12/2025
0.72
HDFC BANK LTD.(^)
0.71
182 DAYS TREASURY BILL 01/05/2025
0.71
IDFC FIRST BANK LIMITED(^)**
0.71
ICICI SECURITIES LIMITED**
0.71
IDFC FIRST BANK LIMITED**
0.71
MUTHOOT FINANCE LTD.**
0.71
8.17% EMBASSY OFFICE PARKS REIT**
0.69
8.65% BHARTI TELECOM LTD.(^)**
0.57
7.07% Tamil Nadu State Govt - 2026 - Tamil Nadu
0.57
7.92% BAJAJ HOUSING FINANCE LTD.(^)**
0.57
5.63% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**
0.57
BARCLAYS INVESTMENTS & LOAN (INDIA) PVT. LTD.**
0.57
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**
0.57
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**
0.57
UNION BANK OF INDIA
0.57
CANARA BANK
0.57
7.5% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT
0.42
8% BAJAJ HOUSING FINANCE LTD.(^)**
0.38
7.83% BAJAJ HOUSING FINANCE LTD.(^)**
0.38
7.88% Kotak Mahindra Prime Ltd.**
0.38
6.3% HDB Financial Services Ltd.**
0.38
7.44% SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)
0.38
INDIAN BANK
0.38
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**
0.36
MUTHOOT FINANCE LTD.**
0.35
7.57% Gujarat State Govt - 2026 - Gujarat
0.35
SBI ALTERNATIVE INVESTMENT FUND
0.30
8.58% LIC HOUSING FINANCE LTD.**
0.27
SANSAR TRUST(SANSAR TRUST)**
0.25
8.24% Tamil Nadu State Govt - 2025 - Tamil Nadu
0.19
6.87% MUTHOOT FINANCE LTD.**
0.19
7.17% GODREJ INDUSTRIES LTD**
0.19
6.75% Sikka Ports & Terminals Ltd. ( Mukesh Ambani Group ) **
0.19
GS CG 12/09/2025 - (STRIPS)
0.18
GS CG 17/12/2026 - (STRIPS)
0.17
8% ONGC Petro Additions Ltd.**
0.11
8.43% PNB HOUSING FINANCE LTD.**
0.10

Sector Holding%
Miscellaneous
41.43

Fund Manager

Deepak Agrawal

Education:Post Graduate in Commerce from Mumbai University, a qualified chartered account and a company secretary. Also cleared AIMR CFA Level
Experience:14 Years
Basic Details:Mr. Deepak Agrawal's career has started from Kotak AMC when he joined the organization in December 2002, where he was initially in Research, Dealing and then moved into Fund Management from November 2006.
Funds Managed:
Kotak Bond Short Term Fund
Kotak Floating Rate Fund
Kotak Money Market Fund
Kotak Overnight Fund
Kotak Banking and PSU Debt Fund
Kotak Bond Short Term Fund
Kotak Corporate Bond Fund
Kotak Credit Risk Fund
Kotak Dynamic Bond Fund
Kotak Floating Rate Fund
Kotak Liquid Fund
Kotak Low Duration Fund
Kotak Medium Term Fund
Kotak Money Market Fund
Kotak Overnight Fund
Kotak Savings Fund

Manu Sharma

Education:Chartered Accountant & M.Com
Experience:16 years
Basic Details:Mr. Manu Sharma has over 17 years of experience in the fields of Fixed Income Fund Management, Operations, Finance Audit and Taxation. He joinedKotak AMC from Deskera Systems in September 2019 and was based out of Bangalore/Singapore for one year. Prior to it Mr. Manu was with Kotak AMCsince September 2006 to June 2018 and has handled major assignments like the Fund Management, Operations and Finance for the KotakAMC.
Funds Managed:
Kotak Floating Rate Fund
Kotak Money Market Fund
Kotak Corporate Bond Fund
Kotak Floating Rate Fund
Kotak Low Duration Fund
Kotak Money Market Fund
Kotak Savings Fund

Holding Type Holding %
CARE A1+
12.71
CARE AA-
0.76
Cash
5.57
CRISIL A1+
33.48
CRISIL AA
1.90
CRISIL AA+
5.91
CRISIL AAA
13.75
FITCH A1+
1.63
FITCH A1+(IND)
0.57
FITCH AAA(IND)
1.90
FITCH AAA(SO)
1.35
ICRA A1+
3.23
ICRA AA+
1.21
ICRA AAA
0.57
ICRA AAA(CE)
0.11
ICRA AAA(SO)
0.25
SOV
14.84
Unrated
0.30

About Kotak Savings Fund

Scheme Analysis

Kotak Savings Fund is a Debt - Ultra Short Duration Fund fund and belongs to Kotak Mahindra Mutual Fund. It was launched on 01-Jan-2013 and currently has an AUM of ₹13,150.62 crore. Kotak Savings Fund is benchmarked against Crisil 1 Yr T-Bill Index as primary index and NIFTY Ultra Short Duration Debt Index as secondary index.

The NAV of Kotak Savings Fund ended up ₹0.02(0.04%)yesterday to ₹43.5114.

Among its top 3 holdings the fund has exposure to Triparty Repo, and

The Kotak Savings Fund is managed by Deepak Agrawal and Manu Sharma.

Fund House Contact

Address:

27 BKC, C-27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai - 400 051

Phone Number: +91 (22) 66384400

Email Address: mutual@kotak.com

Fax Number: +91 (22) 66384455

Website: https://www.kotakmf.com/

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