Kotak Money Market Fund - 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 128 (Category Avg - 86.75) | Modified Duration 0.36 Years (Category Avg - 0.39)| Yield to Maturity 6.25% (Category Avg - 6.23%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	3.03%	3.43%
CD	59.72%	57.91%
T-Bills	11.85%	9.20%
CP	23.80%	27.05%

Category - Money Market Fund

Security Type	% Weight	Category Average
Government Backed	14.88%	12.63%
Low Risk	83.52%	84.96%
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 - Money Market Fund

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

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	11603.96	3.31%	1.20 L
Bond - Punjab National Bank	CD	Public sector bank	PR1+	CARE	10998.80	3.13%	1.13 L
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	8055.77	2.30%	85.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	7340.61	2.09%	75.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	6851.15	1.95%	70.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	6767.32	1.93%	70.00 k
Bond - T-Bill	T-Bills	Other			6549.47	1.87%	6.75 Cr
Bond - T-Bill	T-Bills	Other			6407.91	1.83%	6.50 Cr
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	6360.78	1.81%	13.00 k
Bond - Small Industries Development Bank Of India	CP	Financial institution	P1+	CRISIL	5879.92	1.68%	12.00 k
Bond - Indusind Bank Ltd.	CD	Private sector bank	P1+	CRISIL	5877.83	1.67%	60.00 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	5872.07	1.67%	60.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	5871.67	1.67%	60.00 k
Bond - T-Bill	T-Bills	Other			5877.99	1.67%	6.00 Cr
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	5795.90	1.65%	60.00 k
Bond - Govt of India	GOI	Other			4999.94	1.42%	5.00 Cr
Bond - T-Bill	T-Bills	Other			4934.55	1.41%	5.00 Cr
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	4922.21	1.40%	50.00 k
Bond - IDBI Bank Ltd.	CD	Private sector bank	P1+	CRISIL	4921.40	1.40%	50.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	4911.49	1.40%	50.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	4906.02	1.40%	50.00 k
Bond - National Bank for Agriculture & Rural Development	CP	Financial institution	A1+	ICRA	4900.26	1.40%	10.00 k
Bond - Indusind Bank Ltd.	CD	Private sector bank	P1+	CRISIL	4888.94	1.39%	50.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	4883.30	1.39%	50.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	4834.44	1.38%	50.00 k
Bond - Federal Bank Ltd.	CD	Private sector bank	P1+	CRISIL	4823.44	1.37%	50.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	4709.28	1.34%	50.00 k
Bond - Punjab National Bank	CD	Public sector bank	P1+	CRISIL	3955.74	1.13%	40.00 k
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	3938.22	1.12%	40.00 k
Bond - Indusind Bank Ltd.	CD	Private sector bank	P1+	CRISIL	3934.85	1.12%	40.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	3922.77	1.12%	40.00 k
Bond - Panatone Finvest Ltd	CP	Non banking financial company (nbfc)	P1+	CRISIL	3946.29	1.12%	8.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	F1+	FITCH	3670.86	1.05%	37.50 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	3455.21	0.98%	35.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	3454.31	0.98%	35.00 k
Bond - Indusind Bank Ltd.	CD	Private sector bank	P1+	CRISIL	3451.75	0.98%	35.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	3444.82	0.98%	35.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	3444.24	0.98%	35.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	3444.17	0.98%	35.00 k
Bond - UCO Bank	CD	Public sector bank	P1+	CRISIL	3382.98	0.96%	35.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	2939.25	0.84%	30.00 k
Bond - Indusind Bank Ltd.	CD	Private sector bank	P1+	CRISIL	2932.36	0.84%	30.00 k
Bond - T-Bill	T-Bills	Other			2954.28	0.84%	3.00 Cr
Bond - T-Bill	T-Bills	Other			2792.00	0.80%	2.85 Cr
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	2697.77	0.77%	27.50 k
Bond - Punjab & Sind Bank	CD	Public sector bank	A1+	ICRA	2465.57	0.70%	25.00 k
Bond - Punjab National Bank	CD	Public sector bank	F1+	FITCH	2441.36	0.70%	25.00 k
Bond - Bharti Telecom Ltd.	CP	Telecom - equipment & accessories	P1+	CRISIL	2451.80	0.70%	5.00 k
Bond - 360 One Prime Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	2441.50	0.70%	5.00 k
Bond - T-Bill	T-Bills	Other			2458.99	0.70%	2.50 Cr
Bond - T-Bill	T-Bills	Other			2456.45	0.70%	2.50 Cr
Bond - IIFL Finance Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	2433.58	0.69%	5.00 k
Bond - Bajaj Housing Finance Ltd.	CP	Housing finance company	P1+	CRISIL	2409.18	0.69%	5.00 k
Bond - T-Bill	T-Bills	Other			2206.51	0.63%	2.25 Cr
Bond - Govt of India	GOI	Other			1967.41	0.56%	1.95 Cr
Bond - Birla Group Holdings Private Ltd.	CP	Investment company	P1+	CRISIL	1969.37	0.56%	4.00 k
Bond - Piramal Finance Ltd.	CP	Housing finance company	P1+	CRISIL	1967.51	0.56%	4.00 k
Bond - Piramal Finance Ltd.	CP	Housing finance company	P1+	CRISIL	1962.62	0.56%	4.00 k
Bond - Motilal Oswal Financial Services Ltd.	CP	Stockbroking & allied	A1+	ICRA	1962.41	0.56%	4.00 k
Bond - Piramal Finance Ltd.	CP	Housing finance company	P1+	CRISIL	1961.83	0.56%	4.00 k
Bond - Tata Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1953.07	0.56%	4.00 k
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1949.52	0.56%	4.00 k
Bond - Piramal Finance Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1948.13	0.56%	4.00 k
Bond - Au Small Finance Bank Ltd.	CD	Other bank	P1+	CRISIL	1969.48	0.56%	20.00 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	1957.04	0.56%	20.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	F1+	FITCH	1956.83	0.56%	20.00 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	1955.45	0.56%	20.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	1952.68	0.56%	20.00 k
Bond - Au Small Finance Bank Ltd.	CD	Other bank	F1+	FITCH	1937.22	0.55%	20.00 k
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	1927.84	0.55%	4.00 k
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1737.56	0.50%	3.50 k
Bond - LIC Housing Finance Ltd.	CP	Housing finance company	P1+	CRISIL	1710.48	0.49%	3.50 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	1726.31	0.49%	17.50 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	1725.29	0.49%	17.50 k
Bond - Union Bank Of India	CD	Public sector bank	F1+	FITCH	1716.76	0.49%	17.50 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	1716.16	0.49%	17.50 k
Bond - IDBI Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1715.89	0.49%	17.50 k
Bond - Angel One Ltd.	CP	Stockbroking & allied	A1+	ICRA	1700.12	0.48%	3.50 k
Bond - Hero Fincorp Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1496.59	0.43%	3.00 k
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1494.71	0.43%	3.00 k
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1479.24	0.42%	3.00 k
Bond - Motilal Oswal Financial Services Ltd.	CP	Stockbroking & allied	A1+	ICRA	1466.69	0.42%	3.00 k
Bond - Motilal Oswal Financial Services Ltd.	CP	Stockbroking & allied	A1+	ICRA	1465.85	0.42%	3.00 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	1471.85	0.42%	15.00 k
Bond - Indusind Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1470.22	0.42%	15.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	1469.31	0.42%	15.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	1466.46	0.42%	15.00 k
Bond - Indusind Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1466.43	0.42%	15.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	1461.89	0.42%	15.00 k
Bond - Tata Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1446.32	0.41%	3.00 k
Bond - Cholamandalam Investment & Finance Co. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1442.91	0.41%	3.00 k
Bond - Muthoot Fincorp Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1425.08	0.41%	3.00 k
Bond - T-Bill	T-Bills	Other			1397.12	0.40%	1.41 Cr
Bond - Govt of India	GOI	Other			1369.11	0.39%	1.35 Cr
Bond - T-Bill	T-Bills	Other			1228.22	0.35%	1.25 Cr
Bond - Birla Group Holdings Private Ltd.	CP	Investment company	P1+	CRISIL	1219.99	0.35%	2.50 k
Bond - Angel One Ltd.	CP	Stockbroking & allied	P1+	CRISIL	1218.58	0.35%	2.50 k
Bond - T-Bill	T-Bills	Other			1113.43	0.32%	1.15 Cr
Bond - Govt of India	GOI	Other			1050.41	0.30%	1.05 Cr
Bond - Standard Chartered Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	996.97	0.28%	2.00 k
Bond - Hero Fincorp Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	995.22	0.28%	2.00 k
Bond - Standard Chartered Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	993.17	0.28%	2.00 k
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	990.89	0.28%	2.00 k
Bond - Julius Baer Capital (India) Pvt Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	989.17	0.28%	2.00 k
Bond - Hero Fincorp Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	982.53	0.28%	2.00 k
Bond - Godrej Housing Finance Ltd.	CP	Housing finance company	P1+	CRISIL	981.70	0.28%	2.00 k
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	979.67	0.28%	2.00 k
Bond - Tata Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	979.32	0.28%	2.00 k
Bond - TVS Credit Services Ltd	CP	Non banking financial company (nbfc)	P1+	CRISIL	978.04	0.28%	2.00 k
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	976.21	0.28%	2.00 k
Bond - 360 One Prime Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	972.90	0.28%	2.00 k
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	979.99	0.28%	10.00 k
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	979.57	0.28%	10.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	978.49	0.28%	10.00 k
Bond - Birla Group Holdings Private Ltd.	CP	Investment company	P1+	CRISIL	962.35	0.27%	2.00 k
Bond - Barclays Investments & Loans (I) Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	961.07	0.27%	2.00 k
Bond - T-Bill	T-Bills	Other			947.21	0.27%	95.00 L
Bond - Govt of India	GOI	Other			754.77	0.22%	75.00 L
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	738.63	0.21%	1.50 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	726.88	0.21%	7.50 k
Bond - Union Bank Of India	CD	Public sector bank	F1+	FITCH	493.81	0.14%	5.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	481.55	0.14%	5.00 k
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	495.96	0.14%	1.00 k
Bond - Bahadur Chand Investments Pvt. Ltd.	CP	Investment company	A1+	ICRA	493.14	0.14%	1.00 k
Bond - Govt of India	GOI	Other			503.15	0.14%	50.00 L
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	244.34	0.07%	500.00
Bond - T-Bill	T-Bills	Other			199.85	0.06%	20.00 L
Bond - Govt of India	GOI	Other			0.97	0.00%	10.00 k

Name	Type of Instrument	Weight (%)
TREPS	TREPS	1.62%
Net Receivables	Net Receivables	-0.02%

Kotak Money Market Fund - Growth

Portfolio Summary (as on 31st Oct,2025)

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

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