Kotak Savings Fund - Direct (G) logo

Kotak Savings Fund Direct Growth

NAV ₹46.21 as on 11 Dec 2025

RiskModerate

Fund Size₹16,007.83Cr

NAV₹46.21 as on 11 Dec 2025
RiskModerate
Fund Size₹16,007.83Cr

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Investment Details
Top Rated Funds

Lock-in

No Lock-in

Min One Time Amount

₹100

Min Withdrawal Amount

₹-

Min SIP Amount

₹100

Min Additional Amount

₹100

Exit Load

Nil ( w e f - 23-01-2009)

Basic Details

Age

12 years 11 months (Since Jan 01, 2013)

Return since Launch

7.42%

Expense ratio

0.36%

Type

OPEN

AUM (Fund Size)

₹16,007.83

Risk Grade

Moderate

Benchmark

NIFTY Ultra Short Duration Debt Index A-I

Calculate Your Returns
Select Duration
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Returns
Total investment of ₹2,40,000
Would have become ₹61,949 (+209.74%)
Fund Manager

Name:

Deepak Agrawal

Experience:

Started his career with the AMC in September 2000 and moved to Debt Fund Management Team as research analyst in September 2001 and performed the role of dealer from October 2004. Since November 2006, Mr. Agarwal was Fund Manager in the debt fund management team.

Asset Allocation

Currently, data not available

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N A B A R D 8.90%

S I D B I 6.88%

TBILL-182D 4.75%

TBILL-364D 4.69%

Canara Bank 4.52%

Bajaj Housing 4.34%

Bank of Baroda 4.34%

REC Ltd 2.98%

Mankind Pharma 2.68%

TREPS 2.49%

IIFL Finance 2.46%

LIC Housing Fin. 2.21%

HDFC Bank 2.19%

Axis Bank 2.11%

Punjab Natl.Bank 1.72%

Vedanta 1.64%

IndusInd Bank 1.54%

Net CA & Others 1.52%

Bajaj Housing 1.51%

Liquid Gold Series 1.43%

GSEC2028 1.42%

Radhakrishna Securitisation Trust 1.33%

TAMIL NADU 2026 1.26%

Bharti Telecom 1.26%

Poonawalla Fin 1.25%

IDFC First Bank 1.24%

Panatone Finvest 1.24%

Credila Fin 1.23%

E X I M Bank 1.21%

Godrej Seeds & G 1.21%

Piramal Finance. 1.10%

Muthoot Finance 1.10%

Baha.Chand.Inv. 1.04%

Indian Bank 0.96%

Nuvama Wealth. 0.94%

Citicorp Fin. (I 0.94%

Jamnagar Utiliti 0.93%

Muthoot Finance 0.93%

UCO Bank 0.91%

Tata TeleService 0.88%

S I D B I 0.88%

Union Bank (I) 0.77%

Jubilant Bevco 0.67%

GSEC2026 0.63%

Can Fin Homes 0.63%

Gujarat 2026 0.63%

Embassy Off.REIT 0.63%

360 One Prime 0.62%

ICICI Securities 0.62%

Bank of India 0.61%

Barclays Invest 0.61%

Manappuram Fin. 0.59%

Nirma 0.47%

Tamil Nadu 2026 0.47%

IDBI Bank 0.46%

Tata Cap.Hsg. 0.46%

India Universal Trust AL1 - Series AI 0.42%

S I D B I 0.31%

Samvardh. Mothe. 0.31%

Hindustan Zinc 0.31%

Gujarat 2026 0.29%

SBI Alternative Investment Fund 0.28%

Godrej Propert. 0.16%

Sikka Ports 0.16%

GSEC2026 0.15%

E X I M Bank 0.15%

Stand.Char. Cap. 0.15%

TAMIL NADU 2026 0.06%

L&T Finance Ltd 0.06%

Sansar Trust 0.04%

Madhya Pradesh 2026 0.03%

Tata Capital 0.03%

Andhra Pradesh 2026 0.03%

Maharashtra 2026 0.02%

Rajasthan 2026 0.01%

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Scheme Holding Summary

Debt Others

85.56%

T Bills

9.44%

Govt. Securities

5.00%

See All

Debt Others

National Bank for Agriculture & Rural Development

8.90%

Small Industries Development Bank of India Ltd

6.88%

REC Ltd

2.98%

Bharti Telecom Ltd

1.26%

Panatone Finvest Ltd

1.24%

Credila Financial Services Ltd

1.23%

Export-Import Bank of India

1.21%

Godrej Seeds & Genetics Ltd

1.21%

Bahadur Chand Investments Pvt Ltd

1.04%

Nuvama Wealth Finance Ltd

0.94%

Citicorp Finance India Ltd

0.94%

Jamnagar Utilities & Power Pvt Ltd

0.93%

UCO Bank

0.91%

Tata Teleservices Ltd

0.88%

Small Industries Development Bank of India Ltd

0.88%

Jubilant Bevco Ltd

0.67%

360 One Prime Ltd

0.62%

Barclays Investments & Loans (India) Ltd

0.61%

Nirma Ltd

0.47%

Tata Capital Housing Finance Ltd

0.46%

Small Industries Development Bank of India Ltd

0.31%

Sikka Ports & Terminals Ltd

0.16%

Export-Import Bank of India

0.15%

Standard Chartered Capital Ltd

0.15%

T Bills

Govt. Securities

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RiskometerLevel of risk in the scheme
Moderate
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Low
Very
High

Your investment will be at Moderate Risk

Fund house & investment objective
Rank (total assets)#5 in India
Total AUM₹5,66,981.82Cr
Date of Incorporation05 Aug 1994
Kotak Savings Fund Direct Growth is a Debt Mutual Fund Scheme launched by Kotak Mahindra Mutual Fund. This scheme was made available to investors on 01 Jan 2013. The fund currently has an Asset Under Management(AUM) of ₹5,66,981.82 Cr and the Latest NAV as of 11 Dec 2025 is ₹46.21.
The Kotak Savings Fund Direct Growth is rated Moderate. Minimum SIP Investment is set to ₹100 . Minimum Lumpsum Investment is ₹100. Exit load of Nil ( w e f - 23-01-2009).
...Read more
Returns and Rankings

Category: Debt Ultra Short Duration Fund

1Y3Y5YAll
Fund returns7.32%2.42%1.20%0.60%
Category average6.70%2.23%1.13%-
Rank within category121314-

FAQ’s

What kind of returns does Kotak Savings Fund Direct Growth provide?

Kotak Savings Fund Direct Growth has given a return of 7.44% in the past 3 years.

What is the expense ratio charged by Kotak Savings Fund Direct Growth?

The Expense Ratio charged by Kotak Savings Fund Direct Growth is 0.36%.

What is the AUM size of Kotak Savings Fund Direct Growth?

The AUM size of Kotak Savings Fund Direct Growth is ₹16,007.83Cr.

What is the minimum SIP amount that you can invest in Kotak Savings Fund Direct Growth?

₹100 is the minimum SIP amount that you can invest in Kotak Savings Fund Direct Growth .

What are the top stock holdings of Kotak Savings Fund Direct Growth?

The top stock holdings of Kotak Savings Fund Direct Growth include , National Bank for Agriculture & Rural Development , Small Industries Development Bank of India Ltd , Canara Bank and Bajaj Housing Finance Ltd.

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Get started with us today and
start building your wealth journey

*By clicking, I agree to the T&C and Whatsapp updates.