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Kotak Savings Fund Direct-idcw Monthly
Debt
Low to Moderate Risk
Latest AUM
₹ 14,181.4 Cr.
NAV as on 27 oct, 2026
₹ 21.02
+20.58%
3 years annulised
This Fund
Fund Details
Fund Names
Kotak Savings Fund Direct-idcw Monthly
Inception Date
01 Jan 2013
Lock In
No Lock-in
SIP Minimum Investment amount
₹100
SWP Minimum Investment amount
₹1000
STP Minimum Investment amount
₹1000
Risk
Principal at low to moderate risk
Category Average Annual Returns
7.70
Portfolio Composition Analysis
Debt
102.30%
Portfolio Updated on: 08 Jul, 2026
Sector Allocations
Debt
Financial
Healthcare
Entities
Technology
Materials
Industrials
Energy & Utilities
Real Estate
Portfolio Updated on: 27 oct, 2026
Top 10 Holdings
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| CENTRAL GOVERNMENT LOAN 12006 GOI 24SP25 8.20 FV RS 100 | Entities | Central Government Loan | 5.11% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23 G 7.57 LOA 19MR26 FVRS1LAC | Financial | Debenture | 5.04% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23 G 7.57 LOA 19MR26 FVRS1LAC | Financial | Debenture | 5.04% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23 G 7.57 LOA 19MR26 FVRS1LAC | Financial | Debenture | 5.10% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23 G 7.57 LOA 19MR26 FVRS1LAC | Financial | Debenture | 5.10% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23 G 7.57 LOA 19MR26 FVRS1LAC | Financial | Debenture | 4.39% |
| AXIS BANK LIMITED CD 14JAN27 | Financial | Certificate of Deposit | 4.76% |
| AXIS BANK LIMITED CD 14JAN27 | Financial | Certificate of Deposit | 4.76% |
| AXIS BANK LIMITED CD 14JAN27 | Financial | Certificate of Deposit | 4.12% |
| AXIS BANK LIMITED CD 14JAN27 | Financial | Certificate of Deposit | 3.96% |
Debt & Credit Risk Analysis
| Sharpe Ratio | 2.62% |
| Standard Deviation | 0.48% |
| Sortino Ratio | 3.66% |
Returns Analysis
| Tenure | Absolute | Annualised | Category Average |
|---|---|---|---|
| 3 Months | 1.37% | NA | 1.71% |
| 6 Months | 3.08% | NA | 3.90% |
| 9 Months | 4.81% | NA | 5.74% |
| 1 Year | 6.26% | 6.26% | 7.70% |
| 2 Years | 14.23% | 6.88% | 7.59% |
| 3 Years | 22.92% | 7.12% | 7.34% |
| 5 Years | 37.65% | 6.60% | 6.07% |
| 7 Years | 52.36% | 6.20% | NA |
| 10 Years | 90.73% | 6.67% | 6.56% |
Kotak Savings Fund Direct-idcw Monthly is one Debt mutual fund offered by Kotak Mahindra Mutual Fund. Launched on 01 Jan 2013, the fund aims Income over a short term investment horizon. Investment in debt & money market securities with portfolio Macaulay duration between 3 months & 6 months. It manages assets worth ₹14,181.4 crore as on Tue Jun 30, 2026. The expense ratio stands at 0.3616%.
Manu Sharma has experience He has over 17 years of experience in fields of Fixed Income Fund Management, Operations, Finance Audit and Taxation.
Deepak Agrawal has experience He has been associated with Kotak AMC since 2002.
Top Performing Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| Nippon India Ultra Short Duration Fund Direct-growth | 10,200.0 | +0.43% | +1.53% | +3.35% | +6.77% | +7.49% | +7.00% |
| Nippon India Ultra Short Duration Fund Direct-idcw Daily | 10,200.0 | +0.43% | +1.53% | +3.35% | +6.77% | +7.49% | +7.00% |
| Nippon India Ultra Short Duration Fund Direct-idcw Monthly | 10,200.0 | +0.43% | +1.53% | +3.35% | +6.77% | +7.49% | +7.00% |
| Nippon India Ultra Short Duration Fund Direct-idcw Quarterly | 10,200.0 | +0.43% | +1.53% | +3.35% | +6.77% | +7.49% | +7.00% |
| Nippon India Ultra Short Duration Fund Direct-idcw Weekly | 10,200.0 | +0.43% | +1.53% | +3.35% | +6.77% | +7.49% | +7.00% |
| Tata Ultra Short Term Fund Direct-growth | 5,267.1 | +0.43% | +1.57% | +3.41% | +6.83% | +7.43% | +6.81% |
| Tata Ultra Short Term Fund Direct-idcw Monthly | 5,267.1 | +0.43% | +1.57% | +3.41% | +6.83% | +7.43% | +6.81% |
| Tata Ultra Short Term Fund Direct-idcw Weekly | 5,267.1 | +0.43% | +1.57% | +3.41% | +6.83% | +7.43% | +6.81% |
| Axis Ultra Short Duration Fund Direct-growth | 4,948.7 | +0.41% | +1.52% | +3.27% | +6.56% | +7.36% | +6.80% |
| Axis Ultra Short Duration Fund Direct-idcw | 4,948.7 | +0.41% | +1.52% | +3.27% | +6.56% | +7.36% | +6.80% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More Funds from Kotak Mahindra Mutual Fund
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| Kotak Savings Fund Regular-growth | 14,181.4 | +0.31% | +1.26% | +2.84% | +5.78% | +6.64% | +6.13% |
| Kotak Ultra Short Term Fund Regular-growth | 14,181.4 | +0.31% | +1.26% | +2.84% | +5.78% | +6.64% | +6.13% |
| Kotak Ultra Short Term Fund Regular-growth | 14,181.4 | +0.31% | +1.26% | +2.84% | +5.78% | +6.64% | +6.13% |
| Kotak Savings Fund Direct-growth | 14,181.4 | +0.35% | +1.37% | +3.08% | +6.26% | +7.12% | +6.60% |
| Kotak Ultra Short Term Fund Direct-growth | 14,181.4 | +0.35% | +1.37% | +3.08% | +6.26% | +7.12% | +6.60% |
| Kotak Ultra Short Term Fund Direct-growth | 14,181.4 | +0.35% | +1.37% | +3.08% | +6.26% | +7.12% | +6.60% |
| Kotak Ultra Short Term Fund Regular-idcw Monthly | 14,181.4 | +0.31% | +1.26% | +2.84% | +5.78% | +6.64% | +6.13% |
| Kotak Ultra Short Term Fund Regular-idcw Monthly | 14,181.4 | +0.31% | +1.26% | +2.84% | +5.78% | +6.64% | +6.13% |
growth is based on 1-month returns of the funds
Top Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Savings Direct-growth | 17,816.3 | +0.38% | +1.46% | +3.22% | +6.37% | +7.40% | +6.79% |
| Aditya Birla Sun Life Savings Regular-growth | 17,816.3 | +0.36% | +1.39% | +3.09% | +6.09% | +7.15% | +6.56% |
| Aditya Birla Sun Life Savings Regular-idcw Daily | 17,816.3 | +0.36% | +1.39% | +3.09% | +6.09% | +7.15% | +6.56% |
| Aditya Birla Sun Life Savings Direct-idcw Daily | 17,816.3 | +0.38% | +1.46% | +3.22% | +6.37% | +7.40% | +6.79% |
| Aditya Birla Sun Life Savings Regular-idcw Weekly | 17,816.3 | +0.36% | +1.39% | +3.09% | +6.09% | +7.15% | +6.56% |
| Aditya Birla Sun Life Savings Direct-idcw Weekly | 17,816.3 | +0.38% | +1.46% | +3.22% | +6.37% | +7.40% | +6.79% |
| HDFC Ultra Short Term Fund Direct-growth | 15,949.6 | +0.35% | +1.40% | +3.07% | +6.15% | +7.12% | +6.58% |
| HDFC Ultra Short Term Fund Regular-growth | 15,949.6 | +0.32% | +1.32% | +2.89% | +5.79% | +6.77% | +6.23% |
| HDFC Ultra Short Term Fund Regular-idcw Daily | 15,949.6 | +0.32% | +1.32% | +2.89% | +5.79% | +6.77% | +6.23% |
| HDFC Ultra Short Term Fund Direct-idcw Daily | 15,949.6 | +0.35% | +1.40% | +3.07% | +6.15% | +7.12% | +6.58% |
Top funds are based on Fund AUM
Top Debt Funds
| Fund name | ||||
|---|---|---|---|---|
| Nippon India Ultra Short Duration Fund Direct-growth | ₹4,848.76 | +7.49% | +7.00% | — |
| Nippon India Ultra Short Duration Fund Direct-idcw Daily | ₹1,114.15 | +7.49% | +7.00% | — |
| Nippon India Ultra Short Duration Fund Direct-idcw Monthly | ₹1,034.22 | +7.49% | +7.00% | — |
| Nippon India Ultra Short Duration Fund Direct-idcw Quarterly | ₹1,018.40 | +7.49% | +7.00% | — |
| Nippon India Ultra Short Duration Fund Direct-idcw Weekly | ₹1,092.55 | +7.49% | +7.00% | — |
| Tata Ultra Short Term Fund Direct-growth | ₹16.26 | +7.43% | +6.81% | — |
| Tata Ultra Short Term Fund Direct-idcw Monthly | ₹16.28 | +7.43% | +6.81% | — |
| Tata Ultra Short Term Fund Direct-idcw Weekly | ₹10.40 | +7.43% | +6.81% | — |
| Axis Ultra Short Duration Fund Direct-growth | ₹17.02 | +7.36% | +6.80% | — |
| Axis Ultra Short Duration Fund Direct-idcw | ₹17.02 | +7.36% | +6.80% | — |
growth is based on 5Y returns of the funds
Historical NAV
| Date | NAV |
|---|---|
| 27 Oct 2026 | ₹21.02 |
| 26 Oct 2026 | ₹21.01 |
| 23 Oct 2026 | ₹21.00 |
| 22 Oct 2026 | ₹21.00 |
| 03 Aug 2026 | ₹20.76 |
| 31 Jul 2026 | ₹20.75 |
| 30 Jul 2026 | ₹20.74 |
| 29 Jul 2026 | ₹20.74 |
| 28 Jul 2026 | ₹20.73 |
| 27 Jul 2026 | ₹20.73 |
| 24 Jul 2026 | ₹20.73 |
| 23 Jul 2026 | ₹20.72 |
| 22 Jul 2026 | ₹20.72 |
| 21 Jul 2026 | ₹20.71 |
| 20 Jul 2026 | ₹20.71 |
| 17 Jul 2026 | ₹20.70 |
| 16 Jul 2026 | ₹20.69 |
| 15 Jul 2026 | ₹20.68 |
| 14 Jul 2026 | ₹20.67 |
| 13 Jul 2026 | ₹20.68 |
| 10 Jul 2026 | ₹20.67 |
| 09 Jul 2026 | ₹20.66 |
| 08 Jul 2026 | ₹20.65 |
| 07 Jul 2026 | ₹20.66 |
| 06 Jul 2026 | ₹20.68 |
| 03 Jul 2026 | ₹20.67 |
| 02 Jul 2026 | ₹20.67 |
| 01 Jul 2026 | ₹20.66 |
| 30 Jun 2026 | ₹20.64 |
| 29 Jun 2026 | ₹20.63 |
Portfolio Updated on: 28 Oct, 2026
Fund Growth & Size Analysis
+₹14,181.4 Cr
Since Launch
This Fund
Category Average
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Kotak Savings Fund Direct-idcw Monthly Returns Comparison
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Kotak Savings Fund Direct-idcw Monthly FAQ'S
- Sharpe Ratio: 2.62%
- Standard Deviation: 0.48%
- Sortino Ratio: 3.66%
Additional important ratios:
As of Tue Jun 30, 2026, the total assets managed under Kotak Savings Fund Direct-idcw Monthly stand at approximately ₹ 14,181.4 crore.
The Kotak Savings Fund Direct-idcw Monthly has delivered the following short-term performance:
- 3 Months Return: 1.37%
- 6 Months Return: 3.08%
The historical growth of the Kotak Savings Fund Direct-idcw Monthly is reflected through its CAGR returns:
- 3 Year CAGR: 7.12%
- 5 Year CAGR: 6.60%
- Return Since Launch: 7.35%
The portfolio of Kotak Savings Fund Direct-idcw Monthly is distributed across different asset classes as follows:
- Debt Instruments: 102.30%
The Kotak Savings Fund Direct-idcw Monthly is managed by Deepak Agrawal, representing Kotak Mahindra Mutual Fund.
Top stock holdings of Kotak Savings Fund Direct-idcw Monthly include:
- CENTRAL GOVERNMENT LOAN 12006 GOI 24SP25 8.20 FV RS 100 – represents 5.11% of the portfolio
- NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23 G 7.57 LOA 19MR26 FVRS1LAC – represents 5.04% of the portfolio
- NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23 G 7.57 LOA 19MR26 FVRS1LAC – represents 5.04% of the portfolio
- NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23 G 7.57 LOA 19MR26 FVRS1LAC – represents 5.10% of the portfolio
- NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23 G 7.57 LOA 19MR26 FVRS1LAC – represents 5.10% of the portfolio
- NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23 G 7.57 LOA 19MR26 FVRS1LAC – represents 4.39% of the portfolio
- AXIS BANK LIMITED CD 14JAN27 – represents 4.76% of the portfolio
- AXIS BANK LIMITED CD 14JAN27 – represents 4.76% of the portfolio
- AXIS BANK LIMITED CD 14JAN27 – represents 4.12% of the portfolio
- AXIS BANK LIMITED CD 14JAN27 – represents 3.96% of the portfolio
Major sector exposures in Kotak Savings Fund Direct-idcw Monthly are:
- Financial – accounts for 658.71% of the portfolio
- Healthcare – accounts for 36.39% of the portfolio
- Entities – accounts for 32.86% of the portfolio
- Technology – accounts for 27.96% of the portfolio
- Materials – accounts for 18.27% of the portfolio
