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Home Mf Research Kotak Savings Fund Regular Plan Growth
Kotak Mutual Fund

Kotak Savings Fund - Regular Plan - Growth

Debt Debt Ultra Short Duration
Fund House : Kotak Mutual Fund
Overview
Returns
Portfolio
SIP Calculator
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • 10Y
  • SI
NAV (as on 2025-06-12)
42.79 0.00%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
-%
Expense Ratio (Direct)
-%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-06-05 ₹1,000.00 ₹1,001.43
0.14 %
Two Week 2025-05-28 ₹1,000.00 ₹1,003.22
0.32 %
One Month 2025-05-13 ₹1,000.00 ₹1,007.03
0.70 %
Three Months 2025-03-17 ₹3,000.00 ₹3,039.30
1.31 %
Six Months 2024-12-16 ₹6,000.00 ₹6,137.01
2.28 %
One Year 2024-06-12 ₹12,000.00 ₹12,502.57
4.19 %
Three Year 2022-06-13 ₹36,000.00 ₹40,223.07
11.73 %
Five Year 2020-06-15 ₹60,000.00 ₹70,601.36
17.67 %
Ten Year 2015-06-15 ₹120,000.00 ₹165,997.09
38.33 %
Since Inception 2004-08-13 ₹254,000.00 ₹567,099.76
123.27 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
BAJAJ HOUSING FINANCE LTD.(^) - Debt 0.33
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^) - Debt 0.93
REC LTD(^) - Debt 3.10
MANKIND PHARMA LTD(^) - Debt 1.97
BHARTI TELECOM LTD.(^) - Debt 2.84
VEDANTA LTD.(^) - Debt 1.30
POONAWALLA FINCORP LIMITED(^) - Debt 1.30
LIC HOUSING FINANCE LTD. - Debt 0.32
Citicorp Finance (India) Ltd. - Debt 0.98
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^) - Debt 0.93
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT - Debt 0.93
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LTD. - Debt 0.63
CAN FIN HOMES LTD. - Debt 0.66
GRIHUM HOUSING FINANCE LIMITED - Debt 0.65
EMBASSY OFFICE PARKS REIT - Debt 0.59
BAJAJ HOUSING FINANCE LTD. - Debt 0.33
Hindustan Zinc Ltd. ( ) (^) - Debt 0.33
TATA CAPITAL HOUSING FINANCE LTD. - Debt 0.16
HDB Financial Services Ltd. - Debt 0.32
John Deere Financial India Private Limited - Debt 0.32
Sikka Ports & Terminals Ltd. ( Mukesh Ambani Group ) - Debt 0.16
PTC IIFL FIN LIQUID GOLD (SERIES 8) 20/08/2027(LIQUID GOLD SERIES 9) - Debt 1.26
PTC INDIA UNIVERSAL TRUST AL1 (SERIES A1) 20/09/2026(INDIA UNIVERSAL TRUST AL1) - Debt 0.87
SANSAR TRUST(SANSAR TRUST) - Debt 0.12
Central Government - 2025(^) - Debt 5.23
Tamil Nadu State Govt - 2026 - Tamil Nadu - Debt 0.50
Maharashtra State Govt - 2025 - Maharashtra - Debt 0.65
Gujarat State Govt - 2026 - Gujarat - Debt 0.30
Tamil Nadu State Govt - 2025 - Tamil Nadu - Debt 0.16
Gujarat State Govt - 2025 - Gujarat - Debt 0.03
GS CG 12/09/2025 - (STRIPS) - Debt 0.16
GS CG 17/12/2026 - (STRIPS) - Debt 0.15
TORRENT ELECTRICALS LIMITED(^) - Debt 1.60
Panatone Finvest Ltd.(^) - Debt 1.25
CREDILA FINANCIAL SERVICES PVT LTD - Debt 1.24
ICICI SECURITIES LIMITED - Debt 0.62
MUTHOOT FINANCE LTD. - Debt 0.31
ADITYA BIRLA CAPITAL LTD(^) - Debt 0.62
BARCLAYS INVESTMENTS & LOAN (INDIA) PVT. LTD. - Debt 0.47
Bahadur Chand Investments Private Limited - Debt 0.46
BHARTI TELECOM LTD. - Debt 0.16
INDIAN BANK(^) - Debt 3.12
CANARA BANK(^) - Debt 0.62
PUNJAB NATIONAL BANK(^) - Debt 1.70
INDUSIND BANK LTD. - Debt 0.62
PUNJAB NATIONAL BANK - Debt 1.57
UNION BANK OF INDIA - Debt 0.46
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA - Debt 0.46
HDFC BANK LTD. - Debt 1.48
AXIS BANK LTD.(^) - Debt 0.94
INDIAN BANK - Debt 0.97
UNION BANK OF INDIA(^) - Debt 0.62
UCO BANK - Debt 0.92
HDFC BANK LTD.(^) - Debt 0.63
IDFC FIRST BANK LIMITED(^) - Debt 0.62
IDFC FIRST BANK LIMITED - Debt 0.62
CANARA BANK - Debt 0.03
BANK OF BARODA(^) - Debt 0.62
AXIS BANK LTD. - Debt 0.16
IDBI BANK LTD.(^) - Debt 0.46
182 DAYS TREASURY BILL 18/09/2025 - Debt 1.60
364 DAYS TREASURY BILL 19/03/2026(^) - Debt 1.55
364 DAYS TREASURY BILL 21/05/2026 - Debt 1.54
364 DAYS TREASURY BILL 04/12/2025 - Debt 0.66
364 DAYS TREASURY BILL 26/12/2025 - Debt 0.63
SBI ALTERNATIVE INVESTMENT FUND Alternative Investment Fund Debt 0.26
Triparty Repo Debt 0.11
Net Current Assets/(Liabilities) - Debt 0.52
SIP Calculator
Risk Ratios
Standard Deviation
-
Beta
-
Sharpe Ratio
-
Lock In Period
-
Residual Maturity
-
Standard Deviation:
Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.
Beta:
Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.
Sharpe Ratio:
The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.
Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.
Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.
Scheme Details
  • Fund manager(s) : Mr. Deepak Agrawal (), Mr. Manu Sharma (),
  • Expense ration regular : -
  • Expense ration direct : -
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹100.00
  • Type : debt

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