Kotak Savings Fund · Regular · Growth
NAV
₹45.7048
as of 31 Jul 2026
Expense Ratio
0.82%
AUM
₹15,925 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.93%
- 3Y
- +6.74%
- 5Y
- +6.02%
- Since Inception
- +7.16%
SIP returns (XIRR)
- 1Y
- +6.10%
- 3Y
- +6.60%
- 5Y
- +6.51%
- Since Inception
- +7.03%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,11,584 today — ₹5,95,000 invested, 6.1% XIRR.
₹5,95,000
Invested
₹8,11,584
Value today
6.1%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,84,004 today (6.3% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹10,28,458.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,43,920 today (1.44×).
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, annualised0.71
Sharpe Ratio
—
Alpha
—
Beta
0.89
Sortino
0.46%
Std Dev
-0.12%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Axis Bank Ltd.(^)**4.76%
- 2Bank Of Baroda(^)**4.07%
- 3National Bank For Agriculture & Rural Development(^)4.07%
- 4Tamil Nadu State Govt - 2029 - Tamil Nadu(^)3.16%
- 5Hdfc Bank Ltd.(^)**2.38%
- 6Central Government - 20282.31%
- 7Muthoot Finance Ltd.(^)2.13%
- 8Mankind Pharma Ltd(^)**2.12%
- 9Maharashtra State Govt - 2030 - Maharashtra(^)2.12%
- 10Indusind Bank Ltd.(^)**2.05%
Investment Objective
Kotak Savings Fund · Regular · 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 · Regular · 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 ₹15,925 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%.
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