Kotak Ultra Short Term Gr

All Cap

Debt

India Debt Medium Duration

Liquid

Others

Emotionally driven

Investor Profile

1–3 yearsInvestment Horizon

HNI, UHNI, Retail Investor, Mass AffluentTarget Segments

SEBI registered equity mutual fund suitable for all investor categoriesRegulatory Fit

Kotak Savings Fund Growth invests in short-term debt, offering safety and easy access to your money.

What This Strategy Does

Kotak Savings Fund is an Ultra Short Duration fund which captures India's ₹4 trillion money market opportunity through active duration management, deploying capital across corporate and government bonds to achieve benchmark-aligned compounding.

Performance and Risk Analysis

Historical returns, volatility patterns, and how this fund has performed relative to its benchmark.

Fund Performance

-0.4% AnnuallyAlpha

+6.2% vs +9.5% benchmarkSince Inception

+6.7% vs +5.7% benchmark3Y Annualized

+6.1% vs +4.6% benchmark5Y Annualized

Kotak Ultra Short Term Gr

Benchmark Index

Benchmark Performance Comparison

Kotak Savings Fund

FD Returns

Given the product’s limited performance history, the assessment considers the fund house’s track record and the historical performance of comparable strategies managed by the same fund house, which follow similar investment approaches. Such comparisons provide historical context only and do not represent the performance of the new product or indicate its future returns.

Risk Profile

Standard Deviation0.7%

Sharpe Ratio0.58

Beta1.25

Upside Capture92%

Strategy Details

A closer look at the investment thesis, portfolio construction, and current holdings.

Core Investment Theme

Provides stability and liquidity through exposure to high-quality, short-term debt instruments. This ultra short-term strategy aims to preserve capital while generating modest returns from interest income. The impact is a low-volatility holding that can serve as a cash management tool or portfolio diversifier. Suitable for investors seeking capital preservation with modest yield enhancement.

Portfolio Holdings Overview

SectoralAllocation

Financial Services100%

Top Stock Holdings

CompanySectorAllocation

Axis Bank LimitedUtilities4.32%

Bank Of BarodaUtilities3.67%

National Bank For Agriculture And Rural DevelopmentUtilities3.61%

India (Republic of)Utilities3.22%

Tamil Nadu (Government of) 0.0654%Utilities2.79%

Small Industries Development Bank Of IndiaUtilities2.23%

Mankind Pharma LimitedUtilities1.88%

Muthoot Finance LimitedUtilities1.87%

6.9% Maharashtra Sgs 2030Utilities1.86%

Indusind Bank LtdUtilities1.85%

Fund House Management

The asset management company’s track record, AUM scale, and fund manager credentials.

Fund Manager Track Record

Deepak Agrawal

Lead Portfolio Manager

Mr. Deepak Agrawal has experience of 25 years. Manages 202 funds at Kotak Mahindra Asset Management Co Ltd with an AUM of approximately ₹33,900 Cr Holds a PGDM degree.

Manu Sharma

Co-Portfolio Manager

Manu Sharma has experience of 4 years. Manages 88 funds at Kotak Mahindra Asset Management Co Ltd with an AUM of approximately ₹16,008 Cr

CW Expert Take

Kotak brings banking-grade risk assessment to fund management. Their strength is in identifying mispriced opportunities while maintaining portfolio quality. The equity teams focus on sustainable business models, while their debt strategies emphasize credit selection and liquidity management—reflecting the parent group's risk culture.

29 years

Combined Team Experience

₹ 49,908 Cr

Assets Under Management

Firm Overview

AMCKotak Mahindra Asset Management Co Ltd

Total AUM₹5,80,249.31 Cr

Investment Professionals49+

Global Offices250 Cities

Operational & Regulatory Details

What it costs to invest, transaction mechanics, and regulatory disclosures you should know.

Costs and Fees

Total Expense Ratio (TER)0.82%

Regulatory & Tax Information

INF174K01FD6

ISIN

DailyDealing Frequency

CRISIL Ultra Short Dur Debt A-I TR INRBenchmark

Capital Gain Tax | Taxed as per Income Tax Slab

Tax Implications (India)