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Kotak Savings Fund (Growth)

Debt

Ultra Short

Top Ranked

₹ 33.13

NAV (SEP 28)

Scripbox Opinion

This fund is recommended for investment within ultra short mutual funds.

Ultra Short funds provide relative safety of capital with growth at par with inflation and are suitable for investment objectives with duration of 1-5 years or longer.

Our analysis of this fund Learn how we rate funds ->
Our analysis of this fund Learn how we rate funds ->

Track Record

16 Years

The fund has an extended history for analysis and the track record is excellent

Relative Size

11,176 Cr

Category leader in size

Impact of Interest Rate Changes

Low Interest Rate Risk

The impact on fund value is quite low when interest rates change

Credit Quality Of Fund's Portfolio

Low Credit Risk

The fund has a high credit quality compared to other debt funds

Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

Learn why choose a plan over a fund ->
  • Historical growth rate of 6.50% per annum
  • Recommended Duration 1-5 years
  • No Lock-in
  • Vacation, Car, Down payment
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Historical NAV

33.13

NAV (SEP 28)

SIP Calculator

Investing Duration 5 years

Total Investment

Wealth Gained

Total Corpus Created

With assumed returns of 6.25%
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Scheme Information

Investment Objective

The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However,there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Low

Moderately Low

Moderate

Moderately High

High

Moderately Low risk

0.76%

Expense Ratio

13th Aug, 2004

Launched (16y ago)

₹ 11,176

AUM in Crores

INF174K01FD6

No Lock-in

NIFTY Ultra Short Duration Debt TR INR

Benchmark

₹ 1000

SIP Minimum

₹ 5000

Lumpsum Min.

Fund Managers

Deepak Agrawal

Fund Manager

Returns Calculator Comparison

of

for

Instrument Returns Total Corpus Gains Annualised %
Mutual Fund 70% 11.25%
EPF 70%
Property 70%
PPF 70%
Bank FD 70%
Gold 70%
Savings Bank 70%

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully before investing. Past performance is not an indicator of future returns.

Asset allocation and Holdings

Last updated on 28th September 2020

Top Stock Holdings

8.12% Govt Stock 2020

13%

7.80% Goi Floating Rate Bonds 2020

12%

Bharti Telecom Limited

5%

Export Import Bank Of India

4%

Housing Development Finance Corporation Limited

4%
See all holdings
allocation by market cap

Comparison with Debt Funds

Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

  • Indicative returns of 6.50% annually
  • Recommended Duration 1-5 years
  • No Lock-in
  • Vacation, Car, Down payment
  • One-click investing and tracking
  • Zero fees for all your investments

SIP Calculator

Investment Duration 5 years

₹12,37,295

Total Investment

₹12,37,295

Wealth Gained

₹12,37,295

Total Corpus Created

With assumed returns of 6.25%
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How does Scripbox rate funds?

Proprietary system to rate mutual funds

We use a proprietary system to rate mutual funds and based on that make a recommendation or rate the fund as top ranked.

We use a proprietary system to rate mutual funds and based on that make a recommendation or rate the fund as top ranked.

What Scripbox recommendations mean?

Scripbox algorithm recommends 2-4 funds for investment for an investment asset class such as large cap, diversified, liquid etc. When you invest for an objective, the algorithm suggests the appropriate asset class and funds.

Top Ranked

These funds are the top performers within a category of mutual funds considering a combination of criteria. The best amongst these funds are also labelled as Scripbox Recommended.

Scripbox algorithm classifies funds as "not recommended" when they perform poorly on a combination of criteria. These funds are usually the poorest performers within a category.

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Track Record

We look at consistent and long historical performance for our analysis

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Relative Size

We look at the size of the fund with respect to other funds in the category. Larger funds are preferred

calender

Category View

We check if the sub-category of the fund is recommended by us

calender

Consistency Of Performance

Consistency of performance over various tenures is analysed for a relative performance stack

calender

Track Record

We look at consistent and long historical performance for our analysis

calender

Relative Size

We look at the size of the fund with respect to other funds in the category. Larger funds are preferred

calender

Impact of Interest Rates

We check the relative interest rate risk of the sub-category of the fund. Lower the better

calender

Credit Quality Of Fund’s Portfolio

We check the relative interest rate risk of the sub-category of the fund. Lower the better

Equity Funds

Debt Funds

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About Kotak Savings Fund (Growth)

About Kotak Savings Fund (Growth)

Kotak Savings Fund (Growth) is a Ultra Short Debt fund and has delivered an annualised return of 7.71% over a period of 16 years. The fund was previously known as Kotak Treasury Advantage Fund Reg Gr. The fund is managed by Kotak Mahindra Asset Management Co Ltd. The fund manager’s name is Deepak Agrawal.

Kotak Savings Fund (Growth) Investment Objective

The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However,there is no assurance or guarantee that the investment objective of the scheme will be achieved. However, there is no assurance that the objective of the scheme will be realized.

Currently, the fund is recommended by Scripbox.

Kotak Savings Fund (Growth) NAV, AUM and Risk

The fund was launched on 2004-08-13. The NAV of the fund as of 2020-09-28 is ₹ 33.13. The total AUM of the fund as of 2020-09-28 is ₹ 11,176 Cr. The category risk of the fund is Moderately Low risk

The fund charges 0.76 % as expense ratio.

Kotak Savings Fund (Growth) Holdings

The fund’s highest allocation is towards debt and has invested 69.87% in this asset class. The top three holdings of the fund are 8.12% govt stock 2020, 7.80% goi floating rate bonds 2020 and bharti telecom limited.

Kotak Savings Fund (Growth) SIP

The minimum SIP(Systematic Investment Plan) amount for this is ₹ 1000 and you can increase this in multiples of 100. In case you want to invest a lump sum, the minimum amount to be invested is ₹ 5000.

Kotak Savings Fund (Growth) Investment volatility and Horizon

This fund is suited for investors looking to invest for 1-4 years. The asset class is less volatile than equity and the fund is likely to provide stable but slow growth. The fund is benchmarked to NIFTY Ultra Short Duration Debt TR INR.