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Kotak

Savings Fund

NAV as on -
CAGR
Compound annual growth rate
since inception
Features
AUM
` 11071.89 Cr.
Risk
Moderately Low

This open ended fund Scheme is suitable for investors seeking*

  1. Income over a short term investment horizon.
  2. Investment in debt & money market securities with portfolio Macaulay duration between 3 months & 6 months

*Investors should consult their financial advisors if in doubt about whether the product is suitable for them

Fund Manager
Mr. Deepak Agarwal
Mr. Deepak's career has started from Kotak AMC when he joined the organization in December 2002 where he was initially in Research, Dealing and then moved into Fund Management from November 2006. Mr. Deepak is a Post Graduate in Commerce, Chartered Account and Company Secretary.

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Let’s calculate your gain

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If you would have invested `

since inception, it would have become` - i.e. - %CAGR .

About Kotak Savings Fund

  • 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.

Performance as on

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  Since
Inception
Last
5 Year
Last
3 Years
Last
1 Years

For performance in SEBI format please refer performance section.

Sector Allocation

Sector % of net asset

Stocks

Issuer / Instrument Industry / Rating Percentage of net asset
Debt Instruments
Debentures and Bonds
Corporate Debt/Financial Institutions
HDFC Ltd.(^) CRISIL AAA 7.45 %
Bharti Telecom Ltd.(^) CRISIL AA+ 6.38 %
Rent A Device Trust ( Underlying customer Reliance Retail ) ICRA AAA(SO) 3.65 %
Bajaj Housing Finance Ltd. CRISIL AAA 3.17 %
Bajaj Finance Ltd.(^) CRISIL AAA 2.94 %
Muthoot Finance Ltd.(^) CRISIL AA 2.86 %
Kotak Mahindra Prime Ltd. CRISIL AAA 2.24 %
Reliable Devices Trust ( Underlying customer Reliance Retail ) ICRA AAA(SO) 2.21 %
Reliance Industries Ltd. CRISIL AAA 1.92 %
Aditya Birla Finance Ltd. ICRA AAA 1.38 %
Nabha Power Ltd. ( backed by unconditional and irrevocable guarantee by Larsen & Toubro Ltd ) ICRA AAA(CE) 0.98 %
Kotak Mahindra Investments Ltd. CRISIL AAA 0.92 %
Bharti Airtel Ltd. CRISIL AA 0.66 %
HDB Financial Services Ltd.(^) CRISIL AAA 0.57 %
First Business Receivables Trust ( Originator Reliance Industries Ltd ) CRISIL AAA(SO) 0.43 %
ICICI Home Finance Company Limited CRISIL AAA 0.23 %
Sikka Ports & Terminals Ltd. ( Mukesh Ambani Group ) CRISIL AAA 0.21 %
LIC Housing Finance Ltd. CRISIL AAA 0.18 %
Manappuram Finance Ltd. CRISIL AA 0.18 %
Tata Projects Ltd. FITCH IND AA 0.18 %
Tata Motors Ltd. CARE AA- 0.09 %
Corporate Debt/Financial Institutions - Total 38.83 %
Public Sector Undertakings
Rural Electrification Corporation Ltd.(^) CRISIL AAA 3.8 %
Power Finance Corporation Ltd.(^) CRISIL AAA 3.5 %
U P Power Corporation Ltd ( Guaranteed By UP State Government ) FITCH IND AA(CE) 0.36 %
Food Corporation of India CRISIL AAA(CE) 0.03 %
Public Sector Undertakings - Total 7.69 %
Government Dated Securities
3.48% Central Government SOV 11.93 %
8.12% Central Government SOV 6.52 %
8.65% State Government(^)-Karnataka SOV 1.71 %
6.92% State Government-Maharashtra SOV 0.47 %
Government Dated Securities - Total 20.63 %
Money Market Instruments
Commercial Paper(CP)/Certificate of Deposits(CD)
Corporate Debt/Financial Institutions
Hindustan Zinc Ltd. CRISIL A1+ 3.99 %
AXIS Bank Ltd. CRISIL A1+ 1.34 %
Larsen and Toubro Ltd. CRISIL A1+ 0.9 %
Godrej Properties Limited CRISIL A1+ 0.67 %
Muthoot Finance Ltd. CRISIL A1+ 0.33 %
AXIS Finance Ltd. CRISIL A1+ 0.23 %
Corporate Debt/Financial Institutions - Total 7.46 %
Public Sector Undertakings
National Bank for Agriculture & Rural Development FITCH IND A1+ 3.52 %
Power Finance Corporation Ltd. CRISIL A1+ 2.62 %
Punjab National Bank CRISIL A1+ 2.23 %
National Bank for Agriculture & Rural Development ICRA A1+ 1.78 %
National Bank for Agriculture & Rural Development CRISIL A1+ 0.44 %
Public Sector Undertakings - Total 10.59 %
Treasury Bills
182 Days Treasury Bill 29/10/2020 SOV 2.7 %
182 Days Treasury Bill 17/12/2020 SOV 2.24 %
182 Days Treasury Bill 03/12/2020 SOV 1.48 %
Treasury Bills - Total 6.42 %
Triparty Repo 4.03 %
Net Current Assets/(Liabilities) 4.35 %
Detail holdings

Market Capitalisation

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Fund Vs Benchmark Returns as on

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Trailing Returns Since
Inception

As on -

See all funds managed by Mr. Deepak Agarwal

Click here to know the return of Lumpsuminvestment made since inception

If you had invested` as on would have grown to`- as of i.e. -

Kotak Savings FundVS

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Gold prices are available post 1st April, 2006 & are based on daily closing values on MCX. PPF interest rate is taken from (http://www.publicprovidentfund.com/) The Fixed deposit interest rate is based on RBI rate (https://rbi.org.in/) Scheme Return calculated on the basis of scheme NAV; Returns for PPF, FD, Gold are based on publicly available information.Source: AMFI website, PPF, RBI and MCX The above simulation is for illustration purpose only. While amount invested in traditional investment avenue has the highest safety for Principal invested, there is no assurance or guarantee of future performance of the scheme. Year-end balance has been arrived at by adding interest at the rates notified by the competent authorities from time to time. The comparison of Scheme Return vs PPF/FD/Gold has been given for the purpose of the general information only. Unlike other investment avenue referred above, investments in Mutual Funds are subject to market risks.Hence, the performances are not strictly comparable. Kotak Mahindra Asset Management Company Limited will not accept any liability/ responsibility/loss incurred on any investment decision taken on the basis of this information. Past performance may or may not be sustained in the future. Graph showing the number of times investment has increased/decreased in each asset class over the period.It should no way be construed as a recommendation or future outlook on the above mentioned stocks. Past performance of the scheme does not indicate the future performance of the schemes.

The above graph shows the movement of a specified amount vis-à-vis benchmark and additional benchmark in the specified time period(last business day of the selected month) chosen by the investor.

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In SEBI Format

CAGR since Inception 5 Year 3 Years 1 Years Current Value of`10,000
invested at inception

Click here to know the return of SIP investment made since inception

If you had invested
` every month from to

Total Amount invested `- Value of Investment `- i.e. - CAGR

Kotak Savings FundVS

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The above graph shows the movement of a specified amount vis-à-vis benchmark and additional benchmark in the specified time period (last business day of the selected month) chosen by the investor.

Systematic Investment Plan

Monthly SIP of `100000 Since Inception 7 years 5 years 3 years 1 year
Total amount invested (Rs) 1,940,000 840,000 600,000 360,000 120,000
Total Value as on 29-Oct-2020 (Rs) 3,821,377.67 1,091,549.25 717,602.21 400,033.88 123,787.51
Scheme Returns (%) 7.88 7.37 7.1 6.98 5.94
NIFTY Ultra Short Duration Debt Index (Rs)# 3,922,985.59 1,093,690.78 718,517.32 399,612.55 123,521.52
NIFTY Ultra Short Duration Debt Index Returns (%) 8.17 7.43 7.15 6.91 5.52
Alpha* - 0.29 - 0.05 - 0.05 0.07 0.42
Crisil 1 Yr T-Bill Index (Rs)## 2,714,885.74 1,075,089.95 711,661.9 399,164.84 123,546.83
Crisil 1 Yr T-Bill Index Returns (%) 6.8 6.94 6.77 6.83 5.56

Scheme Inception : - Aug 13, 2004. The returns are calculated by XIRR approach assuming investment of `10,000/- on the 1st working day of every month. XIRR helps in calculating return on investments given an initial and final value and a series of cash inflows and outflows and taking the time of investment into consideration. Since inception returns are assumed to be starting from the beginning of the subsequent month from the date of inception. # Benchmark ; ^ Additional Benchmark

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Let’s calculate your Dividend

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If you would have invested `

since inception, you would have earned` -as Dividend

and your current value of investment` -

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Dividend History

SUBMIT
Download Excel
Record date Cumulative
dividend
nav
(`/ unit )

Dividends declared from benchmark's constituents isn't taken into account when comparing with investment in scheme's dividend plans.

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.

Benchmark : NIFTY Ultra Short Duration Debt Index

Allotment date : August 13, 2004

  • AUM : `11071.89 Cr

  • AAUM : `11197.59 Cr

Key ratiosas on 30 Sep, 2020

Portfolio turnover ratio NA
$Standard Deviation 0.63%
$Beta NA
$Sharpe Ratio ## NA
Modified duration 0.46 yrs
Average maturity 0.49
Yield to maturity 4.1
Tracking Error NA
Expense Ratio (Direct) ** 0.33%
Expense Ratio (Regular) ** 0.77%
Source: $ICRA MFI Explorer## Risk rate assumed to be NA (FBIL Overnight MIBOR rate as on NA)**Total Expense Ratio includes applicable B30 fee and GST.
Source: $ICRA MFI Explorer Standard Deviation is calculated on Annualised basis using 3 years history of the monthly returns.

This open ended fund Scheme is suitable for investors seeking

  1. Income over a short term investment horizon.
  2. Investment in debt & money market securities with portfolio Macaulay duration between 3 months & 6 months

    *Investors should consult their financial advisors if in doubt about whether the product is suitable for them

    Investment Style:

    maturityStyle

    Available Plans/Options

    A) Regular Plan B) Direct Plan

    Options: Dividend Payout, DividendReinvestment & Growth (applicable for allplans)

    Minimum Investment Amount

    Initial Investment:(i) Dividend Reinvestment & Growth- Rs.5000 & above (ii) Dividend Payout (Weekly) - Rs.1,00,00,000 & above

    Additional Investment:Rs.1000 & in multiples of Rs.1

    Ideal Investments Horizon:1-3 Months

    Load Structure

    Entry Load:NIL

    Exit Load:

    • i) Nil. (applicable for all plans)