Kotak Ultra Shrt to S/T Gr

Debt

India Debt Liquid Market

Large Cap

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 Low Duration Fund- Standard Plan-Growth Option invests in short-term bonds, balancing safety with modest growth.

What This Strategy Does

Kotak Ultra Shrt to S/T Reg Gr is an India Fund Low Duration fund which captures India's ₹20 trillion short-term fixed income 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

-0.9% AnnuallyAlpha

+6.3% vs +9.5% benchmarkSince Inception

+6.6% vs +5.7% benchmark3Y Annualized

+5.9% vs +4.6% benchmark5Y Annualized

Kotak Ultra Shrt to S/T Gr

Benchmark Index

Benchmark Performance Comparison

Kotak Low Duration 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 Deviation1.0%

Sharpe Ratio0.04

Beta1.42

Upside Capture92%

Strategy Details

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

Core Investment Theme

Provides exposure to India's short-term fixed income markets, offering stability and capital preservation. This low-duration approach minimizes interest rate risk by investing in bonds with shorter maturities, translating into lower volatility and steady income generation. The impact is a defensive portfolio anchor suitable for investors seeking predictable returns with limited downside exposure.

Portfolio Holdings Overview

SectoralAllocation

Financial Services100%

Top Stock Holdings

CompanySectorAllocation

7.15% Karnataka Sgs 2031Utilities4.24%

Punjab National BankUtilities4.15%

National Bank For Agriculture And Rural DevelopmentUtilities4.07%

Jtpm Metal TRaders LimitedUtilities3.69%

Bajaj Housing Finance LimitedUtilities3.41%

Canara BankUtilities2.92%

Bank Of BarodaUtilities2.50%

Bajaj Housing Finance LimitedUtilities2.19%

Rec LimitedUtilities2.12%

Net Current Assets/(Liabilities)Utilities2.11%

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.

Dharmesh Thakkar

Co-Portfolio Manager

Mr. Dharmesh Thakkar has experience of 1 years. Manages 30 funds at Kotak Mahindra Asset Management Co Ltd with an AUM of approximately ₹15,809 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.

26 years

Combined Team Experience

₹ 49,709 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)1.18%

Regulatory & Tax Information

INF178L01202

ISIN

DailyDealing Frequency

CRISIL Low Duration Debt A-I TR INRBenchmark

Capital Gain Tax | Taxed as per Income Tax Slab

Tax Implications (India)