Kotak Bond Short Term Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 116 (Category Avg - 68.67) | Modified Duration 2.56 Years (Category Avg - 2.55)| Yield to Maturity 6.87% (Category Avg - 6.80%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	19.86%	20.59%
CD	0.51%	3.18%
T-Bills	0.00%	0.04%
CP	0.00%	0.41%
NCD & Bonds	70.90%	67.29%
PTC	3.88%	2.68%

Category - Short Duration Fund

Security Type	% Weight	Category Average
Government Backed	19.86%	20.62%
Low Risk	75.29%	73.56%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Short Duration Fund

Debt holding in Portfolio (as on 31st Oct,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			7178.17	3.92%	6.92 Cr
Bond - Govt of India	GOI	Other			6981.73	3.81%	7.11 Cr
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	6350.89	3.47%	62.50 k
Bond - Govt of India	GOI	Other			6222.71	3.40%	6.01 Cr
Bond - Govt of India	GOI	Other			5036.06	2.75%	5.00 Cr
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	5036.94	2.75%	4.95 k
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	4940.03	2.70%	48.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	4841.06	2.64%	4.75 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	4798.75	2.62%	4.70 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	4066.84	2.22%	40.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	3971.75	2.17%	39.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	3870.40	2.11%	38.00 k
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	3734.16	2.04%	36.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	CARE AAA	CARE	3110.20	1.70%	30.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	3052.99	1.67%	30.00 k
Bond - Knowledge Realty Trust	NCD & Bonds	Real estate investment trusts (reits)	AAA	CRISIL	3005.05	1.64%	30.00 k
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	2952.30	1.61%	2.97 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	2795.09	1.53%	27.50 k
Bond - Housing & Urban Development Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	2497.60	1.36%	25.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	2487.09	1.36%	25.00 k
Bond - Cube Highways Trust	NCD & Bonds	Road assets–toll, annuity, hybrid-annuity	LAAA	ICRA	2468.01	1.35%	24.60 k
Bond - Govt of India	GOI	Other			2386.27	1.30%	2.35 Cr
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	2289.02	1.25%	22.50 k
Bond - Toyota Financial Services India Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	2028.27	1.11%	20.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	2026.91	1.11%	20.00 k
Bond - Embassy Office Parks Reit	NCD & Bonds	Real estate investment trusts (reits)	AAA	CRISIL	2022.37	1.10%	20.00 k
Bond - India Universal Trust	PTC	Ptc	INDAAA	FITCH	2013.56	1.10%	215.00
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1997.66	1.09%	20.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	1994.46	1.09%	20.00 k
Bond - National Bank for Financing Infrastructure and Development	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	1979.10	1.08%	20.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	1778.40	0.97%	17.50 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1776.78	0.97%	17.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	1774.93	0.97%	17.50 k
Bond - Mahindra & Mahindra Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	1769.36	0.97%	17.30 k
Bond - Siddhivinayak Securitisation Trust	PTC	Ptc	AAA	CRISIL	1621.71	0.89%	160.00
Bond - Shivshakti Securitisation Trust	PTC	Ptc	AAA	CRISIL	1619.69	0.88%	160.00
Bond - Indian Oil Corporation Ltd.	NCD & Bonds	Refineries & marketing	AAA	CRISIL	1536.90	0.84%	15.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1532.54	0.84%	15.00 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1527.95	0.83%	15.00 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1525.14	0.83%	15.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	1523.97	0.83%	15.00 k
Bond - Aditya Birla Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	1522.92	0.83%	15.00 k
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1522.33	0.83%	15.00 k
Bond - L&T Metro Rail (Hyderabad) Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	1503.63	0.82%	15.00 k
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	1444.70	0.79%	14.00 k
Bond - Govt of India	GOI	Other			1420.73	0.78%	1.42 Cr
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	1255.75	0.69%	12.50 k
Bond - Govt of India	GOI	Other			1176.76	0.64%	1.16 Cr
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	1115.53	0.61%	11.00 k
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	1056.26	0.58%	1.00 k
Bond - Govt of India	GOI	Other			1042.71	0.57%	1.00 Cr
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	1028.96	0.56%	10.00 k
Bond - SMFG India Credit Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	1016.36	0.56%	10.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1016.03	0.55%	10.00 k
Bond - Tata Capital Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	1015.39	0.55%	1.00 k
Bond - Hindustan Zinc Ltd.	NCD & Bonds	Zinc	AAA	CRISIL	1011.20	0.55%	1.00 Cr
Bond - Tata Capital Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	1008.65	0.55%	10.00 k
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1004.68	0.55%	10.00 k
Bond - Bharti Telecom Ltd.	NCD & Bonds	Telecom - equipment & accessories	AAA	CRISIL	1002.47	0.55%	10.00 k
Bond - Aditya Birla Capital Ltd.	NCD & Bonds	Life insurance	AAA	CRISIL	1001.42	0.55%	10.00 k
Bond - JIO Credit Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	1001.41	0.55%	10.00 k
Bond - ONGC Petro-Additions Ltd.	NCD & Bonds	Petrochemicals	AAA	CRISIL	999.45	0.55%	10.00 k
Bond - Highways Infrastructure Trust	NCD & Bonds	Road assets–toll, annuity, hybrid-annuity	AAA	CRISIL	999.13	0.55%	10.00 k
Bond - IndiGrid Infrastructure Trust	NCD & Bonds	Power - transmission	AAA	CRISIL	999.09	0.55%	1.00 k
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	997.89	0.54%	10.00 k
Bond - Poonawalla Fincorp Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	997.34	0.54%	10.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	997.09	0.54%	10.00 k
Bond - Jamnagar Utilities & Power Pvt. Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	996.97	0.54%	1.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	939.68	0.51%	10.00 k
Bond - Govt of India	GOI	Other			917.60	0.50%	89.00 L
Bond - Sikka Ports & Terminals Ltd.	NCD & Bonds	Port & port services	AAA	CRISIL	910.07	0.50%	900.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	899.96	0.49%	9.00 k
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	815.44	0.45%	800.00
Bond - Govt of India	GOI	Other			752.89	0.41%	75.00 L
Bond - India Universal Trust	PTC	Ptc	INDAAA	FITCH	707.74	0.39%	90.00
Bond - Govt of India	GOI	Other			685.83	0.37%	70.00 L
Bond - Govt of India	GOI	Other			660.69	0.36%	65.00 L
Bond - Tata Capital Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	660.33	0.36%	6.50 k
Bond - India Universal Trust	PTC	Ptc	INDAAA	FITCH	600.64	0.33%	62.00
Bond - Jamnagar Utilities & Power Pvt. Ltd.	NCD & Bonds	Power generation	CARE AAA	CARE	512.45	0.28%	500.00
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	509.61	0.28%	5.00 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	509.50	0.28%	500.00
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	508.53	0.28%	5.00 k
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	507.81	0.28%	5.00 k
Bond - Aditya Birla Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	507.52	0.28%	5.00 k
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	503.76	0.28%	500.00
Bond - IndiGrid Infrastructure Trust	NCD & Bonds	Power - transmission	AAA	CRISIL	501.85	0.27%	5.00 k
Bond - Govt of India	GOI	Other			496.00	0.27%	50.00 L
Bond - Govt of India	GOI	Other			459.77	0.25%	45.00 L
Bond - Nomura Capital (India) Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	INDAAA	FITCH	457.16	0.25%	4.50 k
Bond - ICICI Home Finance Company Ltd.	NCD & Bonds	Housing finance company	LAAA	ICRA	404.06	0.22%	4.00 k
Bond - Govt of India	GOI	Other			353.50	0.19%	35.00 L
Bond - Govt of India	GOI	Other			334.60	0.18%	33.33 L
Bond - Govt of India	GOI	Other			285.61	0.16%	28.35 L
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	264.17	0.14%	250.00
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	258.59	0.14%	2.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	254.82	0.14%	2.50 k
Bond - Sansar Trust	PTC	Ptc	AAA	CRISIL	233.00	0.13%	50.00 Cr
Bond - Sansar Trust	PTC	Ptc	AAA	CRISIL	168.45	0.09%	75.00 Cr
Bond - Sansar Trust	PTC	Ptc	AAA	CRISIL	122.70	0.07%	20.00 Cr
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	107.34	0.06%	100.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	106.00	0.06%	100.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	105.77	0.06%	100.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	105.75	0.06%	100.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	105.69	0.06%	100.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	105.68	0.06%	100.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	105.42	0.06%	100.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	104.64	0.06%	100.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	104.58	0.06%	100.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	104.40	0.06%	100.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	INDAAA	FITCH	50.91	0.03%	500.00
Bond - Aditya Birla Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	49.80	0.03%	50.00
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	40.13	0.02%	400.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	6.04	0.00%	6.00
Bond - Govt of India	GOI	Other			7.93	0.00%	80.68 k
Bond - Govt of India	GOI	Other			3.13	0.00%	31.50 k