Kotak Savings Fund -Growth

Ultra Short Duration NAV 37.2036 0 07 June, 2023

An ultra short term fund from one of the most reputed fund houses, i.e., Kotak Asset Management Company Limited is all set to provide high liquidity along with stable returns to the low risk takers. The average maturity period of Kotak Savings Fund Regular Plan is 0.46 years with no exit load. Therefore, this scheme provides a privilege to the investors to withdraw their participation from the mutual fund anytime. The mutual fund diversify the assets in high credit quality instruments having low interest rate sensitivity for generating optimal returns. Moreover, the fund has emerged as one of the best investment plans in India.

Fund Details

Category Ultra Short Duration
Fund Type Open Ended
Investment Plan Growth
Launch Date 01 August, 2004
Benchmark NIFTY Ultra-Short Term
Asset Size(Cr) 9660.22 (As on 31-03-2023)
Turn over 16.04%
Min Investment ₹ 5000
Min SIP Investment ₹ 1000
Min Addl Investment ₹ 1000
Exit Load Nil
Expense Ratio 0.81% (As on 31-03-2023)
Fund Manager Deepak Agrawal, Vihag Mishra, Manu Sharma

Investment Returns (As on 07 Jun, 2023)

Duration Returns Benchmark Category
1 W 0.1% 0.13% 0.11%
1 M 0.62% 0.52% 0.58%
3 M 1.8% 1.56% 1.7%
6 M 3.42% 3.16% 3.31%
1 Y 5.56% 5.81% 5.42%
2 Y 4.5% 4.59% 4.56%
3 Y 4.63% 4.1% 4.62%
5 Y 5.75% 4.72% 5.33%

Risk Mesasures (As on 07 Jun, 2023)

Std Dev Sharpe Beta Alpha YTM AVG Maturity
Fund 0.59 0.99 2.33 1.22 7.53 0.77
Benchmark 0 0 0 0 0 0
Returns Compare with Others
  • 1Y
  • 3Y
  • 5Y

Portfolio (As on 28 Feb, 2022)

Assets Allocation

Sector Holdings
Others 1.4%

Return Calculator

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Disclaimer: Above returns are calculated on the basis of historical NAV movement for the selected period. However, historical performance does not guarantee future returns. Investors must take investment decisions based on his/her own requirements.

Peer Comparison

Fund Name 1 Yr Rtn. 3 Yr Rtn. 5 Yr Rtn.
Kotak Savings Fund -Growth 5.56% 4.63% 5.75%
Nippon India Ultra Short Duration Fund- Growth Option 5.56% 6.2% 5.1%
Aditya Birla Sun Life Savings Fund - Growth - Regular Plan 5.76% 5.45% 6.37%
SBI Magnum Ultra Short Duration Fund - Regular Plan - Growth 5.58% 4.68% 5.91%

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Kotak Savings Fund: Achieve High Liquidity With Stable Returns

The open-ended scheme of Kotak Savings Fund Regular Plan was launched on 13th August, 2004 with the investment objective of providing capital appreciation by investing in the debt and money market instruments. The ultra short duration fund of Kotak invests in 75-90 stocks after analyzing the growth potential of debt instruments across different sectors of the Indian economy. By now, the mutual fund has provided 7.77% of returns since launch which makes it a suitable option for SIP investment. Kotak Savings Fund Regular Plan is one the premium scheme for the investors having low risk appetite who want to surge consistent returns by skipping the risk associated with the finance market. Moreover, the mutual fund comes with no lock-in period and exit load which provides more liquidity to the investors.

Portfolio Analysis of Kotak Savings Fund Regular Plan

With great quality comes great result; which is apt for this ultra short duration fund of Kotak AMC as well. The mutual fund is currently managed by Mr. Deepak Agrawal who never compromises with the quality of the debt securities. The fund allocates the assets largely in the A1+, AAA, and AA rated credit quality papers for stable returns in the long term. Moreover, some portion of the assets is also diversified into the cash equivalents to grab the market opportunities.

The basic idea behind the selection of credit paper is that the management team targets only the debt instruments of pioneer companies having stable growth prospect.

Portfolio analysis of Kotak Savings Fund Regular Plan is the major reason due to which it is one of the most recommended debt funds in India. Thus, if you are also willing to enter the mutual fund space through systematic investment plan, then this mutual fund might help you in achieving your long term goals early.

Past Performance of Kotak Savings Fund Regular Plan

Past Performance speaks a lot about the future perspective of a mutual fund. And, in case of Kotak Savings Fund Regular Plan the previous track record speaks of a healthy and successful future growth prospect. Over the years, the scheme has been an epitome of good returns. The 5, 7, and 10-year annualized returns of this ultra short duration fund is 7.96%, 8.33%, and 7.98%, respectively. The fund has outperformed its benchmark and category’s average by a huge margin. Seeing the past performance and the positive sentiments of finance market, there is no doubt in saying that the scheme holds good potential to outperform in the future. So, what are you waiting for? Start investing in this mutual fund but before don’t forget to use the SIP Return Calculator for a wise investment.

Why to Invest in Kotak Savings Fund?

  1. Less Risky than Equities: Since the ultra short duration fund invest in the high quality debt & money market instruments therefore, it is less risky than the pure equity funds. Kotak Savings Fund Regular Plan is also least affected by the market turbulence as no equities are involved in the portfolio allocation. Therefore, invest in this top recommended mutual fund if you are an investor having low risk appetite.
  2. High Liquidity: There is no exit load in case of Kotak Savings Fund Regular Plan which is again a good news for the investors who want to generate good wealth along with high liquidity. Moreover, the returns generated by this mutual fund is higher than the liquid funds and the savings account which makes it an appropriate place for parking the surplus amount.
  3. Stable Returns: The stability in returns is again an extraordinary feature that distinguishes this scheme from other mutual funds of the same category. The scheme has managed to provide consistent returns over the past years and looking at the current market conditions, if the bullish trend continues then Kotak Savings Fund Regular Plan has good capability of providing even more returns.

Summing up all, you must have acquired all the detailed information about Kotak Savings Fund Regular Plan which is the Ultra Short Duration Fund of Kotak Mutual Funds. Thus, if you are also an investor having low-risk appetite, then you should also pool your money in this mutual fund through SIP.

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