Kotak Savings Fund -Growth
₹45.0396
₹0.03 (+0.06%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹45.0396
₹0.03 (+0.06%)
29 May 2026
AMFI: 102591
Direct · Growth
₹₹47.3809
₹0.03 (+0.07%)
29 May 2026
AMFI: 119750
Regular · IDCW
₹₹10.7105
₹0.01 (+0.06%)
29 May 2026
AMFI: 102592
Direct · IDCW
₹₹20.4288
₹0.01 (+0.07%)
29 May 2026
AMFI: 119751
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹100/month became
Real NAV backtest from day one
₹26,100
Invested
₹59,707
Value today
7.0%
XIRR (p.a.)
₹100/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹100 lumpsum at launch — value today
Invested on the fund's first NAV date
₹100
Invested
₹450
Value today
7.2%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹13,05,000
Withdrawn
₹15,18,590
Corpus left
+₹18,23,590 net gain — withdrew ₹13,05,000 AND corpus grew
Plan your SWP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,41,825
Value today
1.4×
Multiple
Staying invested through that crash turned ₹1L into ₹1,41,825 — a 1.4× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹84,797
Regular plan
₹82,769
Direct earns ₹2,028 more on a ₹60K investment — 0.34% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised0.24
Sharpe Ratio
—
Alpha
—
Beta
0.30
Sortino
0.40%
Std Dev
-0.11%
Max Drawdown
Portfolio Holdings
Top 50 holdings · as of Mar 2026
| Security | % NAV |
|---|---|
AXIS BANK LTD.(^)** INE238AD6BW9 | 442.00% |
AXIS BANK LTD.(^)** INE238AD6BW9 | 396.00% |
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)** INE261F08EF5 | 384.00% |
BANK OF BARODA(^)** INE028A16LH3 | 377.00% |
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)** INE261F08EF5 | 343.00% |
BANK OF BARODA(^) INE028A16LH3 | 338.00% |
CANARA BANK(^)** INE476A16G28 | 310.00% |
Tamil Nadu State Govt - 2029 - Tamil Nadu(^) IN3120250730 | 298.00% |
Tamil Nadu State Govt - 2029 - Tamil Nadu(^) IN3120250730 | 264.00% |
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^) INE556F08KI9 | 259.00% |
CANARA BANK(^)** INE476A16G28 | 220.00% |
HDFC BANK LTD.** INE040A16IK8 | 220.00% |
MANKIND PHARMA LTD(^)** INE634S07025 | 201.00% |
HDFC BANK LTD.** INE040A16IK8 | 198.00% |
Maharashtra State Govt - 2030 - Maharashtra(^) IN2220250426 | 198.00% |
INDUSIND BANK LTD.** INE095A167D9 | 190.00% |
MUTHOOT FINANCE LTD.(^)** INE414G07JX2 | 179.00% |
MANKIND PHARMA LTD(^)** INE634S07025 | 179.00% |
Maharashtra State Govt - 2030 - Maharashtra(^) IN2220250426 | 177.00% |
INDUSIND BANK LTD.** INE095A167D9 | 170.00% |
182 DAYS TREASURY BILL 06/08/2026(^) IN002025Y446 | 164.00% |
UNION BANK OF INDIA** INE692A16JQ1 | 164.00% |
BANK OF BARODA** INE028A16KH5 | 160.00% |
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)** INE261F16AD1 | 158.00% |
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)** INE556F16CB4 | 157.00% |
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA** INE556F16BY8 | 157.00% |
YES BANK LTD.** INE528G16X52 | 156.00% |
HDFC BANK LTD.(^)** INE040A16IO0 | 156.00% |
IIFL FINANCE LIMITED(^)** INE530B14GP4 | 154.00% |
Central Government - 2028 IN0020210160 | 151.00% |
182 DAYS TREASURY BILL 06/08/2026(^) IN002025Y446 | 147.00% |
BANK OF BARODA** INE028A16KH5 | 143.00% |
PUNJAB NATIONAL BANK(^)** INE160A16UD4 | 141.00% |
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA INE556F16BY8 | 141.00% |
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)** INE261F16AD1 | 141.00% |
HDFC BANK LTD.(^) INE040A16IO0 | 140.00% |
YES BANK LTD.** INE528G16X52 | 140.00% |
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)** INE556F16CB4 | 140.00% |
IIFL FINANCE LIMITED(^)** INE530B14GP4 | 139.00% |
PTC RADHAKRISHNA SECURITISATION TRUST 28/09/2028(RADHAKRISHNA TRUST)** INE2I7H15018 | 137.00% |
Central Government - 2028 IN0020210160 | 135.00% |
VEDANTA LTD.(^)** INE205A08038 | 134.00% |
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)** INE261F08EK5 | 133.00% |
POONAWALLA FINCORP LIMITED(^)** INE511C07854 | 133.00% |
TORRENT PHARMACEUTICALS LTD.(^)** INE685A07132 | 132.00% |
182 DAYS TREASURY BILL 28/05/2026 IN002025Y354 | 132.00% |
BHARTI TELECOM LTD.** INE403D08306 | 131.00% |
PUNJAB NATIONAL BANK(^) INE160A16UD4 | 127.00% |
364 DAYS TREASURY BILL 11/02/2027 IN002025Z450 | 127.00% |
CANARA BANK** INE476A16G44 | 126.00% |
Performance Comparison
Interested in This Fund?
Our experts will help you decide if this fund fits your goals.
Investment Objective
Kotak Savings Fund -Growth by Kotak Mahindra Mutual Fund is a Ultra Short Duration 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 Duration category.
About This Fund
Kotak Savings Fund -Growth is a Ultra Short Duration mutual fund offered by Kotak Mahindra Mutual Fund. The fund has been operational for over 21 years. It manages assets worth ₹15,972 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%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations