Kotak Savings Fund · Regular · Growth
NAV
₹45.3226
as of 17 Jun 2026
Expense Ratio
0.82%
AUM
₹15,972 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.84%
- 3Y
- +6.75%
- 5Y
- +5.94%
- Since Inception
- +7.16%
SIP returns (XIRR)
- 1Y
- +5.85%
- 3Y
- +6.56%
- 5Y
- +6.46%
- Since Inception
- +7.03%
SIP since inception — what ₹100/month became
Real NAV backtest from day one
₹26,200
Invested
₹60,099
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
₹453
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
₹13,10,000
Withdrawn
₹15,20,982
Corpus left
+₹18,30,982 net gain — withdrew ₹13,10,000 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
₹1,42,517
Value today
1.4×
Multiple
Staying invested through that crash turned ₹1L into ₹1,42,517 — a 1.4× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised0.68
Sharpe Ratio
—
Alpha
—
Beta
0.89
Sortino
0.43%
Std Dev
-0.12%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Axis Bank Ltd.(^)**3.96%
- 2National Bank For Agriculture & Rural Development(^)**3.43%
- 3Bank Of Baroda(^)3.38%
- 4Canara Bank(^)**3.10%
- 5Tamil Nadu State Govt - 2029 - Tamil Nadu(^)2.64%
- 6Small Industries Development Bank Of India(^)2.59%
- 7Hdfc Bank Ltd.**1.98%
- 8Mankind Pharma Ltd(^)**1.79%
- 9Muthoot Finance Ltd.(^)**1.79%
- 10Maharashtra State Govt - 2030 - Maharashtra(^)1.77%
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 ₹15,972 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