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Kotak Liquid Fund

If you had invested ₹ on and stayed invested till it would have become ₹0 i.e. CAGR of 0.00%

Scheme Inception date is 04/11/2003. Mr. Deepak Agrawal has been managing the fund since 01/05/2007. Different plans have different expense structure. The performance details provided herein are of regular plan. "Past performance may or may not be sustained in future. All payouts during the period h...

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Portfolio

As on Dec 31, 2025

SectorPortfolio weight
Commercial Paper (CP)/Certificate of Deposits (CD)
90.38 %
Treasury Bills
19.97 %
Debentures and Bonds
1.76 %
Government Dated Securities
1.68 %
Alternative Investment Fund
0.33 %
Net Current Assets
-14.12 %
Performance
as per SEBI format
Historical Returns
CAGRValue of ₹ 10,000 invested
Since Inception10Y5Y3Y1Y6 M3 M1 M15 Days7 DaysSince Inception10Y5Y3Y1Y6 M3 M1 M15 Days7 Days
Kotak Liquid Fund - Regular (G)7.93%6.08%5.75%6.90%6.42%2.85%1.42%0.48%0.24%0.09%54,410.9318,035.9413,227.2012,217.3610,642.1110,284.6310,141.6710,047.7810,024.0910,008.76
Additional -NIFTY 1 Year T-Bill Index6.34%6.13%5.34%6.19%4.87%1.08%0.00%0.00%0.00%0.00%38,397.4518,130.4612,968.8811,975.0910,486.5910,107.7710,000.0010,000.0010,000.0010,000.00
Tier 1 - NIFTY Liquid Index A-I-6.10%5.88%6.99%6.42%2.85%1.41%0.47%0.23%0.09%-18,082.3313,306.5712,247.9410,641.8010,285.4810,141.3310,047.3110,023.1810,009.05

Scheme Inception date is 04/11/2003. Mr. Deepak Agrawal has been managing the fund since 01/05/2007. Different plans have different expense structure. The performance details provided herein are of Regular Plan - Growth Option. Past performance may or may not be sustained in future. All payouts during the period have been reinvested in the units of the scheme at the then prevailing NAV. Returns >=Read More

As on Dec 31, 2025

Rolling Returns
 10 Year7 Year5 Year3 Year1 Year
Average7.397.227.087.1513.48
Maximum 69.14 108.39 172.00 405.78 10802.00
Minimum 6.08 -44.29 -57.11 -76.80 -98.90
% times +ve returns10099.9299.9299.9399.94
% times returns > 66.7859.0657.5848.3554.06

The returns are of Regular Growth Plan. Returns are calculated since inception with daily rolling frequency for the respective periods.

NAV Movement img Download img
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The Net Asset Value ("NAV") movement graph, shows the movement of NAVs of various available Plans/Options of Kotak Liquid Fund("Scheme") and the movement of the Index Price, since the Inception of the Scheme/Plan/Option. For the Scheme the details provided here in are of Regular Plan- Growth Option.

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Scheme Name : Kotak Liquid Fund - Regular Plan Growth
NAV DateNAVUnitsCash FlowScheme Value
Historical Returns (as per SEBI format) as on    31 December 2025
TenorsCAGRCurrent Value of ₹ 10,000 invested
Since Inception5Y3Y1Y6 MSince Inception5Y3Y1Y6 M
Kotak Liquid Fund - Regular (G)7.93%5.75%6.90%6.42%2.85%54,410.9313,227.2012,217.3610,642.1110,284.63
NIFTY 1 Year T-Bill Index6.34%5.34%6.19%4.87%1.08%38,397.4512,968.8811,975.0910,486.5910,107.77
NIFTY Liquid Index A-I-5.88%6.99%6.42%2.85%-13,306.5712,247.9410,641.8010,285.48

Scheme Inception date is 04/11/2003. Mr. Deepak Agrawal has been managing the fund since 01/05/2007. Different plans have different expense structure. The performance details provided herein are of Regular Plan - Growth Option. Past performance may or may not be sustained in future. All payouts during the period have been reinvested in the units of the scheme at the then prevailing NAV. Returns >= 1 year: CAGR (Compounded Annualised Growth Rate). N.A stands for data not available. Note: Point to Point (PTP) Returns in INR shows the value of 10,000/- investment made at inception. Source: ICRA MFI Explorer. # Name of Scheme Benchmark. ## Name of Additional Benchmark. Alpha is difference of scheme return with benchmark return.

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Fund
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Tier 1 Benchmark
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Tier 2 Benchmark
Kotak Liquid Fund (An open ended liquid scheme. A relatively low interest rate risk and moderate credit risk)
This scheme is suitable for investors who are seeking *
  1. Income over a short term investment horizon
  2. Investment in debt & money market securities
*Investors should consult their financial advisors if in doubt about whether the product is suitable for them
The above riskometer is based on the scheme portfolio as on 31 December 2025 . An addendum may be issued or updated on the website for new riskometer.
PRC Matrix Image
Potential Risk Class matrix consisting of parameters based on maximum interest rate risk (measured by Macaulay Duration (MD) of the scheme) and maximum credit risk (measured by Credit Risk Value (CRV) of the scheme).
Start Date of the Investment is considered as 1st of Every Month. Exit Load, Stamp Duty & STT are ignored for ease of calculation. Data Source: We have considered NAV Regular Plan Growth Option for the above scheme, Past Performance may or may not be sustained in the future. In view of the individual nature of tax consequences, each unit holder is advised to consult their tax advisors. All figures and other data given in this document are as of 31 December 2025. The same may or may not be relevant at a future date. The AMC takes no responsibility for updating any data/information in this material from time to time. The information shall not be altered in any way, transmitted to, copied, or distributed, in part or in whole, to any other person or to the media or reproduced in any form, without the prior written consent of Kotak Mahindra Asset Management Company Limited. Kotak Mahindra Asset Management Company Limited (including its affiliates), the Mutual Fund, The Trust and any of its officers, directors, personnel, and employees shall not be liable for any loss, damage of any nature, including but not limited to direct, indirect, punitive, special, exemplary, consequential, as well as any loss of profit, in any way arising from the use of this material in any manner. Further, the information contained herein should not be construed as a forecast or promise. The recipient alone shall be fully responsible/liable for any decision taken based on this material.
Mutual fund investments are subject to market risks, read all scheme related documents carefully.
Details
Benchmark
  • Additional -NIFTY 1 Year T-Bill Index
  • Tier 1 - NIFTY Liquid Index A-I
AUM: ₹ 29,817 Cr. As on 31-Dec-2025
Allotment date: April 11, 2003
AAUM: ₹ 34,876 Cr. As on 31-Dec-2025
Fund Managers
Mr. Deepak Agrawal See All Funds Managed
Mr. Sunil Pandey See All Funds Managed
Expense Ratio **
0.31

Source: *ICRA MFI Explorer     ## Risk rate assumed to be % (FBIL Overnight MIBOR rate as on NA)     **Total Expense Ratio includes applicable B30 fee and GST.

Source: *ICRA MFI Explorer

## Risk rate assumed to be %

(FBIL Overnight MIBOR rate as on NA)

**Total Expense Ratio includes applicable B30 fee and GST.

A) Regular Plan B) Direct PlanOptions: Payout of IDCW, Reinvestment of IDCW & Growth (applicable for all plans)
Initial Investment: Rs100 and any amount thereafter
Additional Investment: Rs100 and any amount thereafter
Ideal Investments Horizon: 7 days to a month
Entry Load: Nil
Exit Load: * Exit load shall applicable be as per the graded basis as specified below: a)For Redemption if Units Within 1 Day Applicable Exit Load is 0.0070%, b)For Redemption if Units Within 2 Day Applicable Exit Load is 0.0065%, For Redemption if Units Within 3 Day Applicable Exit Load is 0.0060%, For Redemption if Units Within 4 Day Applicable Exit Load is 0.0055%, For Redemption if Units Within 5 Day Applicable Exit Load is 0.0050%, For Redemption if Units Within 6 Day Applicable Exit Load is 0.0045%, For Redemption if Units After 7 Days Applicable Exit Load is Nil Any exit load charged (net off Goods and Services tax, if any) shall be credited back to the Scheme. Units issued on reinvestment of IDCW shall not be subject to entry and exit load. *The revised exit load shall be effective for all fresh investments . The revised load structure will be applicable for Insta Redemption facility as per the applicable circular. *The exit load levied will be calculated basis the exit load rate prevalent at the time of unit allotment. *Applicability of revised exit load on redemption /switch-out of units would be done on First in First out Basis ('FIFO').
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Fund
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Tier 1 Benchmark
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Tier 2 Benchmark
Kotak Liquid Fund (An open ended liquid scheme. A relatively low interest rate risk and moderate credit risk)
This scheme is suitable for investors who are seeking *
  1. Income over a short term investment horizon
  2. Investment in debt & money market securities
*Investors should consult their financial advisors if in doubt about whether the product is suitable for them
PRC Matrix Image
Potential Risk Class matrix consisting of parameters based on maximum interest rate risk (measured by Macaulay Duration (MD) of the scheme) and maximum credit risk (measured by Credit Risk Value (CRV) of the scheme).

About the Kotak Liquid Fund

  • Kotak Liquid Fund is an open-ended liquid scheme investing in high-quality, short-term money market instruments such as commercial paper, certificates of deposit, treasury bills and government securities. It aims to offer reasonable returns with high liquidity, making it suitable for investors seeking a low risk & short-term parking option.

Scheme Category & Type

  • Debt Scheme – Liquid Fund . An open-ended liquid scheme. A relatively low interest rate risk and moderate credit risk.

Investment Objective

  • The investment objective of the Scheme is to provide reasonable returns and high level of liquidity by investing in debt instruments such as bonds, debentures and Government Securities; and money market instruments such as treasury bills, commercial paper, certificate of deposit, including repos in permitted securities of different maturities, so as to spread the risk across different kinds of issuers in the debt markets.
  • The Scheme may invest in call money/term money market in terms of RBI guidelines in this respect. Subject to the maximum amount permitted from time to time, the Scheme may invest in offshore securities in the manner allowed by SEBI / RBI, provided such investments are in conformity with the investment objective of the Scheme and the prevailing guidelines and Regulations. To reduce the risk of the portfolio, the Scheme may also use various derivative and hedging products from time to time, in the manner permitted by SEBI. There is no assurance that the investment objective of the Schemes will be realised.

Why Kotak Liquid Fund ?

  • Invests in high-quality short-term debt and money market instruments including treasury bills, commercial paper, certificates of deposit and repos
  • Offers high liquidity allowing easy access to funds when needed
  • Maintains low credit risk and low-interest rate risk due to short maturities (generally up to 91 days) and high-quality securities
  • Suitable for investors seeking a conservative option to park short-term surplus

Frequently Asked Questions

What kind of securities does Kotak Liquid Fund invest in?

Kotak Liquid Fund invests primarily in debt and money market instruments including interbank call money and repos.

What is a key scheme characteristic of Kotak Liquid Fund?

A key scheme characteristic of Kotak Liquid Fund is that it invests in debt and money market securities with maturities of up to 91 days providing a moderate credit risk portfolio with high level of liquidity.

Who should invest in Kotak Liquid Fund?

• Investors with a investment horizon of 7 days to a month • Prefer moderate credit risk and low-interest rate risk investments through short term debt and money market instruments

Is there any tax on Kotak Liquid Fund?

Kotak Liquid Fund is classified as a debt mutual fund for taxation purposes.

What is the minimum SIP and lump sum investment for Kotak Liquid Fund?

• SIP Minimum - 100 and any amount thereafter • Lump Sum Minimum: 100 and any amount thereafter

What is the exit load for Liquid Fund?

* Exit load shall applicable be as per the graded basis as specified below: a)For Redemption if Units Within 1 Day Applicable Exit Load is 0.0070%, b)For Redemption if Units Within 2 Day Applicable Exit Load is 0.0065%, For Redemption if Units Within 3 Day Applicable Exit Load is 0.0060%, For Redemption if Units Within 4 Day Applicable Exit Load is 0.0055%, For Redemption if Units Within 5 Day Applicable Exit Load is 0.0050%, For Redemption if Units Within 6 Day Applicable Exit Load is 0.0045%, For Redemption if Units After 7 Days Applicable Exit Load is in. There is no exit load applicable for redemption or switch out of units from the scheme

What is the AUM of Kotak Liquid Fund?

As of 30th November 2025, the AUM of the scheme stands at ₹3,4798Cr.

What is the current NAV of Kotak Liquid Fund Direct Growth?

As of 30th November 2025, the NAV of the scheme is ₹5458.65.

What kind of returns does Kotak Liquid Fund Direct Growth provide?

As of 30th November 2025, this fund has provided 6.70% returns in the last 1 year, 7.06% over 3 years, 5.80% over 5 years and 6.81% since inception. (please refer performance table (SEBI Format) for complete disclosure).

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