Kotak Savings Fund - Direct 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.

Scheme Objective

To generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk.

Scheme Details

Fund manager(s) – Manu Sharma , Deepak Agrawal
Launch date – 02-Jan-2013
Expense ratio – 0.37% as declared on 31-Aug-2025 (category average is 0.3%)
Benchmark - NIFTY Ultra Short Duration Debt Index A-I

Min SIP amount - ₹
Min investment amount (one time- first time) - ₹
Min investment amount (addtional purchase) - ₹
Type : Open Ended Fund. You can invest any time in this fund.

Exit Load

Data not available.

Asset Monitor

Total AUM for this Scheme (Cr)

Category Total AUM (Cr)

% of Assets in Category

2025

15667.19

0.00

0.00%

Aug - 2025	15667.19	0.00%
Jul - 2025	15954.41	0.00%
Jun - 2025	15526.59	0.00%
May - 2025	15401.47	0.00%
Apr - 2025	14924.31	0.00%
Mar - 2025	11872.80	0.00%
Feb - 2025	12726.31	0.00%
Jan - 2025	13150.62	0.00%

2024

13954.84

0.00

0.00%

Dec - 2024	13954.84	0.00	0.00%
Nov - 2024	13449.53	0.00	0.00%
Oct - 2024	12502.01	0.00	0.00%
Sep - 2024	13328.87	0.00	0.00%
Aug - 2024	12644.15	0.00	0.00%
Jul - 2024	12980.43	0.00	0.00%
Jun - 2024	14378.73	0.00	0.00%
May - 2024	12840.69	97006.94	13.24%
Apr - 2024	13374.94	94794.17	14.11%
Mar - 2024	12372.43	83544.25	14.81%
Feb - 2024	12814.17	91704.56	13.97%
Jan - 2024	12413.83	91480.51	13.57%

2023

12162.93

88408.54

13.76%

Dec - 2023	12162.93	88408.54	13.76%
Nov - 2023	12471.00	93889.99	13.28%
Oct - 2023	13277.33	95369.90	13.92%
Sep - 2023	12571.84	92363.93	13.61%
Aug - 2023	13487.47	97750.01	13.80%
Jul - 2023	13066.41	100730.09	12.97%
Jun - 2023	10559.48	93174.14	11.33%
May - 2023	13054.86	96771.97	13.49%
Apr - 2023	10606.04	90174.79	11.76%
Mar - 2023	9660.22	76133.14	12.69%
Feb - 2023	12325.08	88712.17	13.89%
Jan - 2023	12096.56	90253.42	13.40%

2022

12060.43

88333.68

13.65%

Dec - 2022	12060.43	88333.68	13.65%
Nov - 2022	11784.80	85941.08	13.71%
Oct - 2022	12779.34	87288.57	14.64%
Sep - 2022	12025.09	86241.03	13.94%
Aug - 2022	13861.77	95478.10	14.52%
Jul - 2022	11486.96	89013.74	12.90%
Jun - 2022	11303.23	83057.80	13.61%
May - 2022	12388.32	95333.63	12.99%
Apr - 2022	12596.47	101249.54	12.44%
Mar - 2022	10502.03	84443.32	12.44%
Feb - 2022	11255.60	88610.44	12.70%
Jan - 2022	11720.76	89966.25	13.03%

2021

11223.50

84967.28

13.21%

Dec - 2021	11223.50	84967.28	13.21%
Nov - 2021	11872.91	92204.20	12.88%
Oct - 2021	13153.32	96813.52	13.59%
Sep - 2021	12698.31	93045.97	13.65%
Aug - 2021	14236.94	101767.24	13.99%
Jul - 2021	13189.90	99737.36	13.22%
Jun - 2021	10544.65	91833.79	11.48%
May - 2021	11759.36	94261.24	12.48%
Apr - 2021	12420.97	90834.57	13.67%
Mar - 2021	11180.19	81639.58	13.69%
Feb - 2021	11990.52	88808.97	13.50%
Jan - 2021	12325.64	86632.81	14.23%

2020

12428.22

84998.58

14.62%

Dec - 2020	12428.22	84998.58	14.62%
Nov - 2020	13559.98	90759.53	14.94%
Oct - 2020	13539.44	85076.17	15.91%
Sep - 2020	11071.89	71156.43	15.56%
Aug - 2020	11176.00	76286.25	14.65%
Jul - 2020	9966.24	70617.26	14.11%
Jun - 2020	9188.63	60018.26	15.31%
May - 2020	9128.10	59367.84	15.38%
Apr - 2020	9147.83	57445.02	15.92%
Mar - 2020	9154.81	57882.71	15.82%
Feb - 2020	12951.19	82280.00	15.74%
Jan - 2020	13178.56	80829.69	16.30%

Tax Rate

Any profit will be clubbed with your income and taxed at your effective tax rate.

Contact Details

Kotak Mahindra Asset Management Co. Ltd.

27 BKC, C-27, G Block, Bandra Kurla Complex, Bandra (E) Mumbai 400051
Tel no.: 022-61152100
Fax no.: 022-67082213
Website.: www.kotakmf.com

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krishna_ksvs
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6 days ago

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hunch
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41 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more | 1

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  JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss
  
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The Fixed Income
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21 hrs ago

Stable, Secured, and High-Return Bond Opportunity ✔️ Coupon: 11.45% ✔️ Rating: BRICKWORK (BWR) A-(CE) Stable, Acuite (SMERA) A-(CE) Stable ✔️ Tenor: 4y 4m (Maturity: 13/Feb/2030) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed A secured PSU bond designed for investors seeking reliable returns with strong credit support. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dXhXdlpnPT0=/1145-meghalaya-energy-corporation-limited-2030?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Stable, Secured, and High-Return Bond Opportunity ✔️ Coupon: 11.45% ✔️ Rating: BRICKWORK (BWR) A-(CE) Stable, Acuite (SMERA) A-(CE) Stable ✔️ Tenor: 4y 4m (Maturity: 13/Feb/2030) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed A secured PSU bond designed for investors seeking reliable returns with strong credit support. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dXhXdlpnPT0=/1145-meghalaya-energy-corporation-limited-2030?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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ravisistla
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69 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

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sunny85deol
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107 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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Progrowth Finwealth
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107 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

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