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Kotak Savings Fund Regular Plan download report

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Debt: Ultra Short Duration

Analysts' Choiceunlock it

1 Lakh

Investment Grown to
₹ 1.03 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.22 Lakh

Suitability:

"Ultra-short Duration debt funds predominantly invest in bonds maturing in three to six months. They aim to earn slightly better returns over liquid funds but with a marginally higher degree of volatility.

They are suitable to park the amount you have set aside to meet any emergency needs or any surplus money that you don't need for the next six months up to 1-1.5 years. Investors who want to avoid the complexity of wading through the very finely classified categories of debt funds can simply give these funds a miss and stick to liquid funds for this investing need. But those, who want slightly better returns and can withstand a little more volatility, can consider ultra-short duration funds.

The risk of incurring a loss in these funds over the said timeframe is low but they do not guarantee returns or safety of capital. Remember, they are geared to earn slightly better returns than what you can get from a bank account or a short duration fixed deposit, but are not suitable to build wealth in the long run."

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
cal
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Kotak Savings Reg-G 2.25 0.03 0.08 0.35 1.21 1.89 3.49 4.63 5.74 6.34 7.18
CCIL T Bill Liquidity Weight 1.19 -0.02 0.07 0.20 0.64 1.04 1.99 2.59 3.27 3.63 4.21
Debt: Ultra Short Duration 2.11 0.04 0.08 0.36 1.13 1.78 3.52 4.57 5.13 5.83 6.97
Rank within category 6 23 20 15 3 7 13 8 4 5 4
Number of funds in category 26 26 26 26 26 26 26 21 13 13 12

As on 08-Aug-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Kotak Savings Fund Regular Plan  | Invest Online
3 star
 Aug-04 3.49 4.63 5.74 0.80 11,487
Aditya Birla Sun Life Savings Fund  | Invest Online
4 star
 Nov-01 3.90 5.40 6.31 0.51 14,762
HDFC Ultra Short Term Fund - Regular Plan  | Invest Online
4 star
 Sep-18 3.54 4.89 -- 0.64 13,459
ICICI Prudential Ultra Short Term Fund  | Invest Now
4 star
 May-11 3.78 5.30 6.14 0.87 13,058
SBI Magnum Ultra Short Duration Fund  | Invest Online
4 star
 May-99 3.51 4.72 5.96 0.49 12,513

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 1.21 24-Mar-2020 - 31-Mar-2020 -0.74 17-Mar-2020 - 24-Mar-2020
Month 1.84 24-Mar-2020 - 23-Apr-2020 -0.56 25-Feb-2020 - 26-Mar-2020
Quarter 3.28 24-Mar-2020 - 24-Jun-2020 0.34 24-Dec-2019 - 24-Mar-2020
Year 10.45 20-Aug-2013 - 20-Aug-2014 3.14 12-May-2021 - 13-May-2022

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Kotak Savings Reg-G 4.59 0.61 1.80 4.16 1.20 2.17
CCIL T Bill Liquidity Weight 2.60 0.34 -2.61 -4.87 -- --
Debt: Ultra Short Duration 4.51 0.91 1.26 3.25 1.00 1.91
Rank within category 8 11 6 8 15 8
Number of funds in category 21 21 21 21 21 21

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Jul-2022

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 78 82 66 41
Modified Duration (yrs) 0.36 0.44 0.35 0.34
Average Maturity (yrs) 0.44 0.62 0.43 0.36
Yield to Maturity (%) 6.17 6.17 3.63 5.99
Avg Credit Rating AAA -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
down HDFC Bank 14/10/2022 Certificate of Deposit A1+ 0.00 - 5.66 4.30
up Reserve Bank of India 182-D 15/12/2022 Treasury Bills SOV 0.00 - 4.18 4.18
down Reserve Bank of India 182-D 22/12/2022 Treasury Bills SOV 0.00 - 4.31 3.83
equal Reserve Bank of India 182-D 01/12/2022 Treasury Bills SOV 0.00 - 3.67 3.63
equal Axis Bank 2022 Certificate of Deposit A1+ 0.00 - 4.29 3.41
equal 7.35% Power Finance Corporation 15/10/2022 Debenture AAA 0.00 - 3.38 3.32
down Axis Bank 2022 Certificate of Deposit A1+ 0.00 - 3.49 3.01
equal HDFC 155-D 27/10/2022 Commercial Paper A1+ 0.00 - 3.04 3.00
equal Reserve Bank of India 182-D 08/12/2022 Treasury Bills SOV 0.00 - 2.59 2.56
new Indian Bank 2023 Certificate of Deposit A1+ 0.00 - 2.55 2.55
equal Shriram Transport Finance Company 16/06/2023 Non Convertible Debenture AA+ 0.35 - 2.39 2.18
equal Axis Bank 2022 Certificate of Deposit A1+ 0.00 - 2.17 2.14
equal HDFC Bank 2022 Certificate of Deposit A1+ 0.00 - 2.17 2.14
equal National Bank Agr. Rur. Devp 2023 Commercial Paper A1+ 0.00 - 2.29 2.11
equal Panatone Finvest 364-D 30/01/2023 Commercial Paper A1+ 0.00 - 2.28 2.11
equal Reserve Bank of India 364-D 05/01/2023 Treasury Bills SOV 0.00 - 1.98 1.95
equal 7.15% Muthoot Finance 25/11/2022 Zero Coupon Bonds AA+ 1.44 - 1.92 1.74
equal Canara Bank 2022 Certificate of Deposit A1+ 0.00 - 1.74 1.72
equal National Bank Agr. Rur. Devp 14/02/2023 Commercial Paper A1+ 0.00 - 1.70 1.68
equal National Bank Agr. Rur. Devp 16/02/2023 Certificate of Deposit A1+ 0.00 - 1.83 1.68
equal 7.45% LIC Housing Fin. 2023 Non Convertible Debenture AAA 0.00 - 1.56 1.53
new National Bank Agr. Rur. Devp 17/02/2023 Commercial Paper A1+ 0.00 - 1.47 1.47
equal SIDBI 14/02/2023 Certificate of Deposit A1+ 0.00 - 1.60 1.47
down Reserve Bank of India 182-D 08/09/2022 Treasury Bills SOV 0.00 - 2.79 1.41
equal REC 31/10/2024 Non Convertible Debenture AAA 0.00 - 1.52 1.40

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Jul-2022

Fund Manager

— Deepak Agrawal since 15-Apr-2008

Education: Mr. Agrawal is Post Graduate in Commerce from Mumbai University, Chartered Accountant, Company Secretary and CFA.

Experience: He has been associated with Kotak AMC since 2000.

Funds Managed:

Invest Online
0.03%

Change from previous, NAV as on 08-Aug-2022

Growth: ₹ 35.3316

IDCW Monthly: ₹ 10.7467

Investment Strategy

The scheme seeks to generate returns through investment in debt and money market instruments with a view to reduce the interest rate risk.

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 1,000
Min. No of Cheques 6
Min. Withdrawal (₹) 1,000
Min. Balance (₹) 1,000
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: Kotak Mahindra Mutual Fund
Launch Date: 13-Aug-2004
Return Since Launch: 7.27%
Benchmark: NIFTY Ultra Short Duration Debt Index B-I
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 11,487 Cr (As on 31-Jul-2022)
Expense Ratio: 0.80% (As on 30-Jun-2022)
Risk Grade: Average
Return Grade: Above Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly12-Jul-20220.0468

 13-Jun-20220.0435
 12-May-20220.0026
 12-Apr-20220.0393
 14-Mar-20220.0214
 14-Feb-20220.0356
 12-Jan-20220.0308
 13-Dec-20210.0302
 12-Nov-20210.0266
 12-Oct-20210.0210
 13-Sep-20210.0311
 12-Aug-20210.0348
 12-Jul-20210.0260
 14-Jun-20210.0333
 12-May-20210.0313
 12-Apr-20210.0374
 12-Mar-20210.0221
 12-Feb-20210.0004
 12-Jun-20200.0694
 12-May-20200.0790
 13-Apr-20200.0479
 12-Mar-20200.0224
 12-Feb-20200.0386
 13-Jan-20200.0384
 12-Dec-20190.0347
IDCW Daily17-Sep-20210.0006

 16-Sep-20210.0006
 15-Sep-20210.0010
 14-Sep-20210.0004
 13-Sep-20210.0023
 09-Sep-20210.0004
 08-Sep-20210.0006
 07-Sep-20210.0009
 06-Sep-20210.0017
 03-Sep-20210.0006
 02-Sep-20210.0013
 01-Sep-20210.0025
 31-Aug-20210.0012
 30-Aug-20210.0028
 27-Aug-20210.0008
 26-Aug-20210.0002
 25-Aug-20210.0009
 24-Aug-20210.0007
 23-Aug-20210.0027
 20-Aug-20210.0021
 18-Aug-20210.0019
 17-Aug-20210.0040
 13-Aug-20210.0016
 12-Aug-20210.0016
 11-Aug-20210.0012
IDCW Weekly15-Jun-20210.0088

 08-Jun-20210.0091
 01-Jun-20210.0031
 25-May-20210.0073
 18-May-20210.0063
 11-May-20210.0040
 04-May-20210.0077
 27-Apr-20210.0091
 20-Apr-20210.0078
 15-Apr-20210.0043
 06-Apr-20210.0076
 31-Mar-20210.0142
 23-Mar-20210.0099
 16-Mar-20210.0045
 09-Mar-20210.0046
 02-Mar-20210.0060
 23-Feb-20210.0099
 16-Feb-20210.0034
 09-Feb-20210.0043
 02-Dec-20200.0076
 24-Nov-20200.0039
 18-Nov-20200.0085
 10-Nov-20200.0079
 03-Nov-20200.0054
 27-Oct-20200.0069

Contact Information

AMC: Kotak Mahindra Asset Management Company Ltd

Address: The Capital Building, Behind ICICI Bank, G Block BKC, Bandra Kurla Complex Bandra (E) Mumbai - 400051

Phone: 022-61152100 / 1800-22-2626

Fax: 022-66384455

Website: https://www.kotakmf.com/

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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