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Scheme Information
Kotak Savings Fund Reg Dl IDCW-R
as of 16 May 2026, 21:56 PM
Scheme Asset Size₹16823.91 Cr
Expense Ratio0.82%
Cash Holding53.79664%
Fund TypeOpen-End
PlanGrowth
BenchmarkNIFTY Ultra Short Duration Debt TR INR
Launch Date2008-10-08
Exit LoadExit load of 0.00% for investments if redeemed within 1 Years
SIP Calculator
12%
₹5,000
₹500₹10,00,000
10 Years
1 Year40 Years
Invested Amount
Estimated Return
Invested Amount
₹6,00,000
Est. Return
₹5,61,695
Total Value
₹11,61,695
Invested Amount
Estimated Return
Scheme Ratings
-
rated by Value Research
Scheme Riskometer
Your principal will be at Moderate Risk
Investment Returns
Absolute Returns
CAGR
In the last 1 months 0.26%
In the last 3 months 0.90%
In the last 6 months 1.82%
In the last 1 Years 3.56%
In the last 3 Years 0.15%
In the last 5 Years 0.27%
Company Holdings
Company Name | Sector | Instrument | Assets |
|---|---|---|---|
| National Bank For Agriculture And Rural Development | - | B | 3.43% |
| Tamil Nadu (Government of) 0.0654% | - | DS | 2.64% |
| Small Industries Development Bank Of India | - | B | 2.59% |
| Mankind Pharma Limited | - | B | 1.79% |
| Muthoot Finance Limited | - | B | 1.79% |
| 6.9% Maharashtra Sgs 2030 | - | BT | 1.77% |
| 06/08/2026 Maturing 182 DTB | - | BT | 1.47% |
| 6.16% Govt Stock 2028 | - | BT | 1.35% |
| RADHAKRISHNA SECURITISATION TRUST | - | BY | 1.22% |
| Vedanta Limited | - | B | 1.19% |
| Poonawalla Fincorp Limited | - | B | 1.19% |
| HDFC Bank Ltd. | - | B | 1.19% |
| National Bank For Agriculture And Rural Development | - | B | 1.19% |
| Day Tbill | - | BT | 1.18% |
| Torrent Pharmaceuticals Ltd | - | B | 1.18% |
| Bharti Telecom Limited | - | B | 1.17% |
| India (Republic of) | - | GS | 1.14% |
| Adani Power Limited | - | B | 1.12% |
| Piramal Finance Limited | - | B | 1.05% |
| LIC Housing Finance Ltd | - | B | 0.89% |
| 360 One Prime Limited | - | B | 0.89% |
| Jamnagar Utilities & Power Private Limited | - | B | 0.89% |
| Nuvama Wealth Finance Limited | - | B | 0.89% |
| Mankind Pharma Limited | - | B | 0.75% |
| Federal Bank Ltd. | - | B | 0.70% |
| Jubilant Bevco Limited | - | B | 0.65% |
| Muthoot Finance Limited | - | B | 0.60% |
| 6.04% Gujarat Sdl 2026 | - | BT | 0.60% |
| Can Fin Homes Limited | - | B | 0.60% |
| Rec Limited | - | B | 0.60% |
| 360 One Prime Limited | - | B | 0.59% |
| Embassy Office Parks Reit | - | B | 0.59% |
| Tbill | - | BT | 0.59% |
| Tbill | - | BT | 0.59% |
| Tata Capital Housing Finance Limited | - | B | 0.59% |
| Power Finance Corporation Limited | - | B | 0.59% |
| Tbill | - | BT | 0.59% |
| 10/09/2026 Maturing 364 DTB | - | BT | 0.58% |
| HDFC Bank Ltd. | - | B | 0.56% |
| National Bank For Agriculture And Rural Development | - | B | 0.48% |
| Bharti Telecom Limited | - | B | 0.45% |
| 7.07% Tamilnadu SDL 2026 | - | BT | 0.45% |
| Muthoot Finance Limited | - | B | 0.44% |
| LIQUID GOLD SERIES 14 | - | BY | 0.44% |
| LIQUID GOLD SERIES 9 | - | BY | 0.40% |
| Vedanta Limited | - | B | 0.30% |
| Small Industries Development Bank Of India | - | B | 0.30% |
| LIC Housing Finance Ltd | - | B | 0.30% |
| Tata Capital Housing Finance Limited | - | B | 0.29% |
| Godrej Seeds & Genetics Limited | - | B | 0.29% |
| Godrej Seeds & Genetics Limited | - | B | 0.29% |
| Godrej Seeds & Genetics Limited | - | B | 0.29% |
| Sbi Alternative Investment Fund | - | EX | 0.28% |
| 7.57% Gujarat Sgs 2026 | - | BT | 0.27% |
| Godrej Seeds & Genetics Limited | - | B | 0.26% |
| Godrej Properties Limited | - | B | 0.15% |
| Gs17dec2026c | - | BT | 0.15% |
| Tata Capital Housing Finance Limited | - | B | 0.14% |
| Godrej Industries Limited | - | B | 0.09% |
| INDIA UNIVERSAL TRUST AL1 | - | BY | 0.07% |
| Tata Capital Limited | - | B | 0.04% |
| Godrej Finance Limited | - | B | 0.03% |
| 7.85% Andhra Sdl 2026 | - | BT | 0.03% |
| Rec Limited | - | B | 0.03% |
| LIC Housing Finance Ltd | - | B | 0.02% |
| 8.08% Maharashtra Sdl 2026 | - | BT | 0.02% |
| 7.17% Rajasthan Sdl 2026 | - | BT | 0.01265% |
| SANSAR TRUST SEP 2023 IX | - | BY | 0.00491% |
| Axis Bank Limited | - | CD | 3.96% |
| Bank Of Baroda | - | CD | 3.38% |
| Canara Bank | - | CD | 3.10% |
| HDFC Bank Limited | - | CD | 1.98% |
| Triparty Repo | - | CR | 1.82% |
| Indusind Bank Ltd.** Cd | - | CD | 1.70% |
| Bank Of Baroda | - | CD | 1.43% |
| National Bank For Agriculture And Rural Development | - | CD | 1.41% |
| Small Industries Development Bank Of India | - | CD | 1.41% |
| Small Industries Dev Bank Of India | - | CD | 1.40% |
| HDFC Bank Ltd | - | CD | 1.40% |
| Yes Bank Limited | - | CD | 1.40% |
| IIFL Finance Ltd. | - | CP | 1.39% |
| Punjab National Bank | - | CD | 1.27% |
| Canara Bank | - | CD | 1.13% |
| Punjab & Sind Bank | - | CD | 1.12% |
| HDFC Bank Limited | - | CD | 1.12% |
| Small Industries Development Bank Of India** Cd | - | CD | 0.86% |
| Axis Bank Ltd | - | CD | 0.86% |
| Tata Teleservices Ltd | - | CP | 0.86% |
| HDFC Bank Limited | - | CD | 0.85% |
| Union Bank Of India | - | CD | 0.85% |
| Tata Housing Development Company Limited | - | CP | 0.85% |
| National Bank For Agriculture And Rural Development | - | CD | 0.84% |
| National Bank For Agriculture And Rural Development | - | CD | 0.84% |
| IIFL Finance Ltd. | - | CP | 0.84% |
| Torrent Pharmaceuticals Limited | - | CP | 0.82% |
| Union Bank Of India | - | CD | 0.70% |
| Union Bank Of India | - | CD | 0.70% |
| Aditya Birla Capital Ltd | - | CP | 0.70% |
| Small Industries Dev Bank Of India | - | CP | 0.59% |
| Manappuram Finance Ltd. | - | CP | 0.58% |
| Bahadur Chand Investments Private Limited | - | CP | 0.57% |
| Manappuram Finance Limited | - | CP | 0.57% |
| Small Industries Dev Bank Of India | - | CD | 0.56% |
| HDFC Bank Limited | - | CD | 0.56% |
| Muthoot Finance Limited | - | CP | 0.56% |
| Indusind Bank Ltd. | - | CD | 0.56% |
| Canara Bank | - | CD | 0.56% |
| Muthoot Finance Limited | - | CP | 0.56% |
| Birla Group Holdings Pvt Ltd | - | CP | 0.56% |
| Muthoot Finance Ltd. | - | CP | 0.42% |
| Embassy Office Parks REIT | - | CP | 0.42% |
| Cholamandalam Securities Ltd. | - | CP | 0.39% |
| Net Current Assets/(Liabilities) | - | C | 0.29% |
| Bank Of Baroda | - | CD | 0.28% |
| Sundaram Finance Limited | - | CP | 0.28% |
| Muthoot Finance Ltd. | - | CP | 0.28% |
| Bank Of Baroda | - | CD | 0.28% |
| Muthoot Finance Ltd. | - | CP | 0.28% |
| Credila Financial Services Ltd. | - | CP | 0.28% |
| Standard Chartered Capital Limited | - | CP | 0.15% |
| Punjab National Bank | - | CD | 0.14% |
| Bank Of India | - | CD | 0.06% |
| Bank Of Baroda | - | CD | - |
| India (Republic of) | - | GS | - |
| HDFC Bank Limited | - | CD | - |
| Indusind Bank Ltd. | - | B | - |
| Union Bank Of India | - | CD | - |
| Sikka Ports & Terminals Limited | - | B | - |
| Axis Bank Ltd. | - | CD | - |
| Small Industries Development Bank Of India | - | CD | - |
Sector Holding Analysis
Equity / Debt / Cash Split
Loading chart…
Debt
45.93%
Cash
53.8%
Others
0.28%
Equity sector allocation
Loading chart…
Consumer Cyclical
7.89%
Financial Services
28.8%
Others
63.31%
Fund House Contact Details
Websitewww.kotakmf.com
Phone+91 22 61152100
Kotak Mahindra Asset Management Co Ltd
Asset Management Company
Funds in this Category
DSP Credit Risk Fund Reg Mly IDCW-R
Debt
Min. Investment
₹100
Category Returns
11.04%
15.65%
3Y Returns
+15.65%
DSP Credit Risk Fund Reg Mly IDCW-P
Debt
Min. Investment
₹100
Category Returns
11.04%
15.65%
3Y Returns
+15.65%
DSP Credit Risk Fund Reg Gr
Debt
Min. Investment
₹100
Category Returns
11.04%
15.65%
3Y Returns
+15.58%
About Kotak Savings Fund Reg Dl IDCW-R
Investment Objective of the Scheme
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.
Key Features of The Fund
5-year return
+4.84%
Fund Manager
Deepak Agrawal
Risk Profile
Moderate Risk
Expense Ratio
0.82%
Fund Size
₹16823.91 Cr
FAQ's
What has been the returns generated by Kotak Savings Fund Reg Dl IDCW-R over different time periods?
The Kotak Savings Fund Reg Dl IDCW-R has given returns
1-Year
3.56
3-Year
4.80
5-Year
4.84
What is the expense ratio of Kotak Savings Fund Reg Dl IDCW-R?
The expense ratio of Kotak Savings Fund Reg Dl IDCW-R is 0.82%.
What is the AUM (Assets Under Management) of Kotak Savings Fund Reg Dl IDCW-R?
The AUM, short for Assets Under Management of Kotak Savings Fund Reg Dl IDCW-R is ₹16823.91 Cr as of 15 Apr 7301.
What are the top stock holdings of Kotak Savings Fund Reg Dl IDCW-R?
The Kotak Savings Fund Reg Dl IDCW-R has invested the majority of its money in the stocks of the following companies:
| Company | Percentage of Portfolio |
|---|---|
| National Bank For Agriculture And Rural Development | 3.43% |
| Tamil Nadu (Government of) 0.0654% | 2.64% |
| Small Industries Development Bank Of India | 2.59% |
| Mankind Pharma Limited | 1.79% |
| Muthoot Finance Limited | 1.79% |
| 6.9% Maharashtra Sgs 2030 | 1.77% |
| 06/08/2026 Maturing 182 DTB | 1.47% |
| 6.16% Govt Stock 2028 | 1.35% |
| RADHAKRISHNA SECURITISATION TRUST | 1.22% |
| Vedanta Limited | 1.19% |
| Poonawalla Fincorp Limited | 1.19% |
| HDFC Bank Ltd. | 1.19% |
| National Bank For Agriculture And Rural Development | 1.19% |
| Day Tbill | 1.18% |
| Torrent Pharmaceuticals Ltd | 1.18% |
| Bharti Telecom Limited | 1.17% |
| India (Republic of) | 1.14% |
| Adani Power Limited | 1.12% |
| Piramal Finance Limited | 1.05% |
| LIC Housing Finance Ltd | 0.89% |
| 360 One Prime Limited | 0.89% |
| Jamnagar Utilities & Power Private Limited | 0.89% |
| Nuvama Wealth Finance Limited | 0.89% |
| Mankind Pharma Limited | 0.75% |
| Federal Bank Ltd. | 0.70% |
| Jubilant Bevco Limited | 0.65% |
| Muthoot Finance Limited | 0.60% |
| 6.04% Gujarat Sdl 2026 | 0.60% |
| Can Fin Homes Limited | 0.60% |
| Rec Limited | 0.60% |
| 360 One Prime Limited | 0.59% |
| Embassy Office Parks Reit | 0.59% |
| Tbill | 0.59% |
| Tbill | 0.59% |
| Tata Capital Housing Finance Limited | 0.59% |
| Power Finance Corporation Limited | 0.59% |
| Tbill | 0.59% |
| 10/09/2026 Maturing 364 DTB | 0.58% |
| HDFC Bank Ltd. | 0.56% |
| National Bank For Agriculture And Rural Development | 0.48% |
| Bharti Telecom Limited | 0.45% |
| 7.07% Tamilnadu SDL 2026 | 0.45% |
| Muthoot Finance Limited | 0.44% |
| LIQUID GOLD SERIES 14 | 0.44% |
| LIQUID GOLD SERIES 9 | 0.40% |
| Vedanta Limited | 0.30% |
| Small Industries Development Bank Of India | 0.30% |
| LIC Housing Finance Ltd | 0.30% |
| Tata Capital Housing Finance Limited | 0.29% |
| Godrej Seeds & Genetics Limited | 0.29% |
| Godrej Seeds & Genetics Limited | 0.29% |
| Godrej Seeds & Genetics Limited | 0.29% |
| Sbi Alternative Investment Fund | 0.28% |
| 7.57% Gujarat Sgs 2026 | 0.27% |
| Godrej Seeds & Genetics Limited | 0.26% |
| Godrej Properties Limited | 0.15% |
| Gs17dec2026c | 0.15% |
| Tata Capital Housing Finance Limited | 0.14% |
| Godrej Industries Limited | 0.09% |
| INDIA UNIVERSAL TRUST AL1 | 0.07% |
| Tata Capital Limited | 0.04% |
| Godrej Finance Limited | 0.03% |
| 7.85% Andhra Sdl 2026 | 0.03% |
| Rec Limited | 0.03% |
| LIC Housing Finance Ltd | 0.02% |
| 8.08% Maharashtra Sdl 2026 | 0.02% |
| 7.17% Rajasthan Sdl 2026 | 0.01% |
| SANSAR TRUST SEP 2023 IX | 0.00% |
| Axis Bank Limited | 3.96% |
| Bank Of Baroda | 3.38% |
| Canara Bank | 3.10% |
| HDFC Bank Limited | 1.98% |
| Triparty Repo | 1.82% |
| Indusind Bank Ltd.** Cd | 1.70% |
| Bank Of Baroda | 1.43% |
| National Bank For Agriculture And Rural Development | 1.41% |
| Small Industries Development Bank Of India | 1.41% |
| Small Industries Dev Bank Of India | 1.40% |
| HDFC Bank Ltd | 1.40% |
| Yes Bank Limited | 1.40% |
| IIFL Finance Ltd. | 1.39% |
| Punjab National Bank | 1.27% |
| Canara Bank | 1.13% |
| Punjab & Sind Bank | 1.12% |
| HDFC Bank Limited | 1.12% |
| Small Industries Development Bank Of India** Cd | 0.86% |
| Axis Bank Ltd | 0.86% |
| Tata Teleservices Ltd | 0.86% |
| HDFC Bank Limited | 0.85% |
| Union Bank Of India | 0.85% |
| Tata Housing Development Company Limited | 0.85% |
| National Bank For Agriculture And Rural Development | 0.84% |
| National Bank For Agriculture And Rural Development | 0.84% |
| IIFL Finance Ltd. | 0.84% |
| Torrent Pharmaceuticals Limited | 0.82% |
| Union Bank Of India | 0.70% |
| Union Bank Of India | 0.70% |
| Aditya Birla Capital Ltd | 0.70% |
| Small Industries Dev Bank Of India | 0.59% |
| Manappuram Finance Ltd. | 0.58% |
| Bahadur Chand Investments Private Limited | 0.57% |
| Manappuram Finance Limited | 0.57% |
| Small Industries Dev Bank Of India | 0.56% |
| HDFC Bank Limited | 0.56% |
| Muthoot Finance Limited | 0.56% |
| Indusind Bank Ltd. | 0.56% |
| Canara Bank | 0.56% |
| Muthoot Finance Limited | 0.56% |
| Birla Group Holdings Pvt Ltd | 0.56% |
| Muthoot Finance Ltd. | 0.42% |
| Embassy Office Parks REIT | 0.42% |
| Cholamandalam Securities Ltd. | 0.39% |
| Net Current Assets/(Liabilities) | 0.29% |
| Bank Of Baroda | 0.28% |
| Sundaram Finance Limited | 0.28% |
| Muthoot Finance Ltd. | 0.28% |
| Bank Of Baroda | 0.28% |
| Muthoot Finance Ltd. | 0.28% |
| Credila Financial Services Ltd. | 0.28% |
| Standard Chartered Capital Limited | 0.15% |
| Punjab National Bank | 0.14% |
| Bank Of India | 0.06% |
| Bank Of Baroda | - |
| India (Republic of) | - |
| HDFC Bank Limited | - |
| Indusind Bank Ltd. | - |
| Union Bank Of India | - |
| Sikka Ports & Terminals Limited | - |
| Axis Bank Ltd. | - |
| Small Industries Development Bank Of India | - |
In which sectors has Kotak Savings Fund Reg Dl IDCW-R invested in?
The Kotak Savings Fund Reg Dl IDCW-R has invested the majority of its money in the stocks of the following sectors -
| Company | Percentage of Portfolio |
|---|---|
| Basic Materials | - |
| Communication Services | - |
| Consumer Cyclical | 7.89% |
| Consumer Defensive | - |
| Energy | - |
| Financial Services | 28.80% |
| Healthcare | - |
| Industrials | - |
| Real Estate | - |
| Technology | - |
| Utilities | - |
What is the risk level of Kotak Savings Fund Reg Dl IDCW-R?
This is a Ultra Short Duration fund comes with Moderate Risk.
Who are the fund managers of Kotak Savings Fund Reg Dl IDCW-R?
Kotak Savings Fund Reg Dl IDCW-R fund managers are Deepak Agrawal, Manu Sharma.
Is there a minimum SIP amount to invest in Kotak Savings Fund Reg Dl IDCW-R?
The minimum SIP amount to start investment in Kotak Savings Fund Reg Dl IDCW-R is ₹100 while ₹1,000 can be invested as Lumpsum amount.
Can I invest in Kotak Savings Fund Reg Dl IDCW-R both in SIP and lump sum?
You can opt for either SIP or Lumpsum to invest in Kotak Savings Fund Reg Dl IDCW-R on the basis of your investment objective and risk tolerance.
How to invest in Kotak Savings Fund Reg Dl IDCW-R?
Investing in mutual funds is easy on HDFC SKY.
Follow these simple steps to invest in Kotak Savings Fund Reg Dl IDCW-R:
- On HDFC SKY open your demat account if you don't have one.
- Check the performance of Kotak Savings Fund Reg Dl IDCW-R.
- Choose between SIP or Lumpsum and start your mutual fund investment journey on HDFC Sky.
Is there any exit load charges of Kotak Savings Fund Reg Dl IDCW-R?
The exit load of Kotak Savings Fund Reg Dl IDCW-R is as follows:
Exit load of 0.0%, if redeemed within 1 year
.What is the process to redeem my investment in HDFC SKY?
The following are the Steps to Redeem mutual funds on HDFC SKY:
1. Go to Mutual Funds > My Investments/Portfolio.
2. Select the fund and tap Redeem/Sell.
3. Choose Full, Units, or Amount.
4. Review NAV, units, and exit load.
5. Confirm. Amount (Units × NAV) is credited to the registered bank in T+1–T+3 days. ELSS has a 3-year lock-in.
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