Kotak Savings Fund

Kotak Savings Fund

Debt

Kotak Mutual Fund

Ultra Short Duration

Get the latest NAV of Kotak Savings Fund. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹47.38

NAV as on 13 May 2026

7.39%/per year

Since Inception

Absolute Gain%

▲▼

212 people have invested ₹ 40.8L in Kotak Savings Fund in the last three months

Kotak Savings Fund Performance vs. Ultra Short Duration Index

Fund returns vs Benchmark returns vs Category Average returns as on (13-May-26)

The fund has consistently outperformed the benchmark (Ultra Short Duration Index) over the last 1Y, 3Y, 5Y time periods.

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
0.4%
1.46%
2.96%
6.5%
7.26%
6.35%
Ultra Short Duration Index
0.3%
1.25%
2.52%
5.57%
5.95%
5.37%
Ultra Short Duration Avg
0.29%
1.24%
2.5%
5.76%
6.66%
5.86%
Best in Ultra Short Duration
0.51%
1.72%
3.21%
7%
7.57%
7.54%
Worst in Ultra Short Duration
0.35%
1.45%
2.79%
6.16%
6.46%
5.55%
Category Rank
9/17
10/16
11/17
6/16
4/14
--

Kotak Savings Fund Ranking and Peer Comparison

Ranked based on performance, risk management and cost efficiency

13
/15
21% Performance
65% Risk Management
15% Cost

Ranked 13 out of 15 mutual funds in the ultra short duration category as per INDmoney.

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
Kotak Savings Fund
13/15
16,824Cr
0.36%
6.5%
7.26%
0.09
0.82
2.42
7.94
-0.23
Axis Ultra Short Duration Fund
1/15
3,958Cr
0.38%
6.69%
7.44%
0.18
0.92
3.04
11.92
1.08
HSBC Ultra Short Duration Fund
2/15
2,470Cr
0.22%
6.36%
7.22%
-0.04
0.93
2.22
5.91
-0.70
ICICI Prudential Ultra Short Term Fund
3/15
13,619Cr
0.4%
6.69%
7.42%
0.18
0.90
2.86
9.45
0.74
See all

Kotak Savings Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

  • 1-time

  • SIP

Total Investment

0

Profit

Total Corpus

0

Absolute Return
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Kotak Savings Fund Asset Allocation

See fund asset allocation details as on (13-Apr-26)

Fund Distribution

as on (13-Apr-26)

AAA
85.7%
AA
14.3%
Debt allocation has gone down from 56.5% to 46.4%
Debt allocation has gone down from 56.5% to 46.4%
Cash allocation has gone up from 43.3% to 53.3%
Cash allocation has gone up from 43.3% to 53.3%

Kotak Savings Fund Sector Allocation

See fund sector allocation details as on (13-Apr-26)

Sector Allocation

Corporate
54.9%
Government
21.9%
Cash Equivalent
20.8%
Securitize
2.4%

Top 3 Sectors in March were Financial Services, Corporate & Consumer Cyclical

Mar'26

Financial Services

78%

Corporate

60%

Consumer Cyclical

22%

Feb'26

Financial Services

78%

Corporate

54%

Consumer Cyclical

22%

Kotak Savings Fund Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio0.36%
Benchmark
NIFTY Ultra Short Duration Debt TR INR
AUM₹16824 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹100/₹100
Exit Load0%
Lock InNo Lock-in
TurnOver
182.03%
Risk
Risk meter
pointer
Moderate Risk

About Kotak Savings Fund

Kotak Savings Fund is a debt fund. This fund was started on 1 January, 2013. The fund is managed by Manu Sharma, Deepak Agrawal. This fund is suitable to keep your money safe.

Key Parameters

  1. Kotak Savings Fund has ₹16824 Cr worth of assets under management (AUM) as on Apr 2026 and is more than category average.
  2. The fund has an expense ratio 0.4.

Returns

Kotak Savings Fund has given a CAGR return of 7.39% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 6.50%, 7.26% and 6.35% respectively.

Holdings

Kotak Savings Fund has allocated its funds majorly in Financial Services, Corporate, Consumer Cyclical, Cash Equivalent, Government. Its top holdings are Axis Bank Limited, National Bank For Agriculture And Rural Development, Bank Of Baroda, Canara Bank, Small Industries Development Bank Of India

Taxation

As it is a ultra short duration mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of Kotak Savings Fund

The investment objective of the Scheme is to generate returns through investments in debt and money market instruments 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.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 100.00 and for SIP is INR 100.00. Kotak Savings Fund has no lock in period.

Fund Manager

Manu Sharma

Fund Manager of Kotak Savings Fund, since 1 November 2022

Deepak Agrawal

Fund Manager of Kotak Savings Fund, since 15 April 2008

Learn more about Kotak Mutual Fund
Parameters
Mar'26
Feb'26
Jan'26
AUM
₹ 15K Cr
₹ 16.1K Cr
₹ 16.1K Cr
  • AUM of the fund stands at 15K Cr as of Mar'26
  • AUM decreased by 1.1K Cr between Mar'26 and Feb'26

Frequently Asked Questions for Kotak Savings Fund

How do I invest in Kotak Savings Fund?

INDmoney makes it simple to invest in the Kotak Savings Fund. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘Kotak Savings Fund’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

What is the current NAV of Kotak Savings Fund?

The NAV of the fund today is ₹47.38. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

Kotak Savings Fund fund has generated a return of 6.50% in 1 year, 7.26% in 3 years, 6.35% in 5 years.

Who is the fund manager of Kotak Savings Fund?

The fund managers are Manu Sharma, Deepak Agrawal.

What is the expense ratio of the fund?

The expense ratio is 0.36%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹16824 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of Kotak Savings Fund?

The top 3 holdings of the fund are Axis Bank Limited(3.96%), National Bank For Agriculture And Rural Development(3.43%), Bank Of Baroda(3.38%)