Kotak Savings Fund · Regular · Growth
NAV
₹46.1316
as of 29 Sept 2026
Expense Ratio
0.82%
AUM
₹15,925 Cr
Lumpsum returns (CAGR)
- 1Y
- +6.01%
- 3Y
- +6.72%
- 5Y
- +6.11%
- Since Inception
- +7.15%
SIP returns (XIRR)
- 1Y
- +6.06%
- 3Y
- +6.50%
- 5Y
- +6.51%
- Since Inception
- +7.02%
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,19,999 today — ₹6,00,000 invested, 6.1% XIRR.
₹6,00,000
Invested
₹8,19,999
Value today
6.1%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,83,368 today (6.3% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹10,13,676.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹1,45,264 today (1.45×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised0.17
Sharpe Ratio
—
Alpha
—
Beta
0.21
Sortino
0.46%
Std Dev
-0.12%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Axis Bank Ltd.(^)**4.31%
- 2Bank Of Baroda**3.65%
- 3National Bank For Agriculture & Rural Development(^)3.61%
- 4182 Days Treasury Bill 11/02/20273.21%
- 5Tamil Nadu State Govt - 2029 - Tamil Nadu(^)2.79%
- 6Small Industries Development Bank Of India**2.22%
- 7Mankind Pharma Ltd1.88%
- 8Maharashtra State Govt - 2030 - Maharashtra(^)1.87%
- 9Muthoot Finance Ltd.(^)**1.87%
- 10Indusind Bank Ltd.(^)**1.84%
What this fund does
Kotak Savings Fund · Regular · Growth by Kotak Mahindra Mutual Fund is a Ultra Short Term fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Ultra Short Term category.
About This Fund
Kotak Savings Fund · Regular · Growth is a Ultra Short Term mutual fund offered by Kotak Mahindra Mutual Fund. The fund has been operational for over 22 years. It manages assets worth ₹15,925 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty Ultra Short Duration Debt Index A-I. The current expense ratio is 0.82%.