Kotak Savings Fund Datagrid
Category Ultra Short Duration Fund
BMSMONEY Rank 11
Rating
Growth Option 04-12-2025
NAV ₹43.99(R) +0.02% ₹46.18(D) +0.03%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 6.92% 6.98% 5.66% 6.06% 6.45%
Direct 7.4% 7.46% 6.13% 6.52% 6.88%
Benchmark
SIP (XIRR) Regular 6.57% 6.95% 5.73% 5.76% 6.04%
Direct 7.06% 7.43% 6.2% 6.22% 6.5%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
4.52 8.33 0.7 5.89% 0.15
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.27% 0.0% 0.0% 0.08 0.16%
Fund AUM As on: 30/06/2025 14997 Cr
Top Ultra Short Duration Fund
Fund Name Rank Rating
Aditya Birla Sun Life Savings Fund 1
Mirae Asset Ultra Short Duration Fund 2
Icici Prudential Ultra Short Term Fund 3
Baroda BNP Paribas Ultra Short Duration Fund 4
Hdfc Ultra Short Term Fund 5

NAV Date: 04-12-2025

Scheme Name NAV Rupee Change Percent Change
Kotak Savings Fund -Monthly Payout of Income Distribution cum capital withdrawal option 10.75
0.0000
0.0200%
Kotak Savings Fund-Monthly Payout of Income Distribution cum capital withdrawal option - Direct 19.9
0.0100
0.0300%
Kotak Savings Fund -Growth 43.99
0.0100
0.0200%
Kotak Savings Fund-Growth - Direct 46.18
0.0100
0.0300%

Review Date: 04-12-2025

Beginning of Analysis

Kotak Savings Fund is the 11th ranked fund in the Ultra Short Duration Fund category. The category has total 23 funds. The 3 star rating shows an average past performance of the Kotak Savings Fund in Ultra Short Duration Fund. The fund has a Jensen Alpha of 5.89% which is lower than the category average of 5.9%, showing poor performance. The fund has a Sharpe Ratio of 4.52 which is higher than the category average of 4.33.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Ultra Short Duration Mutual Funds are ideal for conservative investors seeking stable returns with minimal interest rate risk. These funds invest in debt and money market instruments with a portfolio duration of 3 to 6 months, making them less sensitive to interest rate changes compared to longer-duration funds. While they offer stable returns with relatively lower risk, they may underperform in a falling interest rate environment. Investors should carefully assess their risk tolerance, investment horizon, and financial goals before investing in these funds. Additionally, choosing funds managed by experienced professionals can help optimize risk-adjusted returns.

Kotak Savings Fund Return Analysis

  • The fund has given a return of 0.51%, 1.61 and 3.21 in last one, three and six months respectively. In the same period the category average return was 0.5%, 1.56% and 3.19% respectively.
  • Kotak Savings Fund has given a return of 7.4% in last one year. In the same period the Ultra Short Duration Fund category average return was 7.33%.
  • The fund has given a return of 7.46% in last three years and ranked 13.0th out of 23 funds in the category. In the same period the Ultra Short Duration Fund category average return was 7.39%.
  • The fund has given a return of 6.13% in last five years and ranked 12th out of 21 funds in the category. In the same period the Ultra Short Duration Fund category average return was 6.16%.
  • The fund has given a return of 6.88% in last ten years and ranked 4th out of ten funds in the category. In the same period the category average return was 6.58%.
  • The fund has given a SIP return of 7.06% in last one year whereas category average SIP return is 6.97%. The fund one year return rank in the category is 8th in 23 funds
  • The fund has SIP return of 7.43% in last three years and ranks 12th in 23 funds. Aditya Birla Sun Life Savings Fund has given the highest SIP return (7.78%) in the category in last three years.
  • The fund has SIP return of 6.2% in last five years whereas category average SIP return is 6.17%.

Kotak Savings Fund Risk Analysis

  • The fund has a standard deviation of 0.27 and semi deviation of 0.16. The category average standard deviation is 0.25 and semi deviation is 0.15.
  • The fund has a beta of 0.12 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Ultra Short Duration Fund Category
  • Good Performance in Ultra Short Duration Fund Category
  • Poor Performance in Ultra Short Duration Fund Category
  • Very Poor Performance in Ultra Short Duration Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.47
    0.45
    		0.38 | 0.52 7 | 23 Good
    3M Return % 1.49
    1.43
    		1.21 | 1.62 7 | 23 Good
    6M Return % 2.97
    2.91
    		2.47 | 3.30 11 | 23 Good
    1Y Return % 6.92
    6.77
    		5.48 | 7.59 10 | 23 Good
    3Y Return % 6.98
    6.83
    		5.76 | 7.50 11 | 23 Good
    5Y Return % 5.66
    5.67
    		4.61 | 6.59 12 | 21 Good
    7Y Return % 6.06
    5.79
    		3.62 | 6.69 7 | 15 Good
    10Y Return % 6.45
    6.11
    		3.68 | 7.06 4 | 10 Good
    15Y Return % 7.35
    7.19
    		6.74 | 7.84 2 | 7 Very Good
    1Y SIP Return % 6.57
    6.40
    		5.28 | 7.23 9 | 23 Good
    3Y SIP Return % 6.95
    6.81
    		5.69 | 7.55 11 | 23 Good
    5Y SIP Return % 5.73
    5.67
    		4.59 | 6.26 12 | 21 Good
    7Y SIP Return % 5.76
    5.70
    		4.58 | 6.34 9 | 15 Average
    10Y SIP Return % 6.04
    5.76
    		3.91 | 6.62 4 | 10 Good
    15Y SIP Return % 6.48
    6.38
    		5.89 | 7.04 3 | 7 Good
    Standard Deviation 0.27
    0.25
    		0.18 | 0.30 20 | 23 Poor
    Semi Deviation 0.16
    0.15
    		0.13 | 0.17 20 | 23 Poor
    Sharpe Ratio 4.52
    4.33
    		0.29 | 6.45 12 | 23 Good
    Sterling Ratio 0.70
    0.69
    		0.58 | 0.75 11 | 23 Good
    Sortino Ratio 8.33
    10.43
    		0.12 | 33.89 13 | 23 Average
    Jensen Alpha % 5.89
    5.90
    		4.88 | 6.40 13 | 23 Average
    Treynor Ratio 0.15
    0.17
    		0.01 | 0.24 19 | 23 Poor
    Modigliani Square Measure % 19.36
    20.71
    		17.51 | 22.96 19 | 23 Poor
    Alpha % -1.28
    -1.40
    		-2.40 | -0.76 11 | 23 Good
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.51 0.50 0.46 | 0.54 5 | 23 Very Good
    3M Return % 1.61 1.56 1.41 | 1.69 5 | 23 Very Good
    6M Return % 3.21 3.19 2.99 | 3.42 11 | 23 Good
    1Y Return % 7.40 7.33 6.33 | 7.84 10 | 23 Good
    3Y Return % 7.46 7.39 6.47 | 7.73 13 | 23 Average
    5Y Return % 6.13 6.16 5.30 | 7.43 12 | 21 Good
    7Y Return % 6.52 6.27 4.10 | 7.00 5 | 15 Good
    10Y Return % 6.88 6.58 4.16 | 7.57 4 | 10 Good
    1Y SIP Return % 7.06 6.97 6.24 | 7.48 8 | 23 Good
    3Y SIP Return % 7.43 7.38 6.46 | 7.78 12 | 23 Good
    5Y SIP Return % 6.20 6.17 5.29 | 6.76 12 | 21 Good
    7Y SIP Return % 6.22 6.19 5.22 | 6.81 7 | 15 Good
    10Y SIP Return % 6.50 6.24 4.45 | 6.94 3 | 10 Very Good
    Standard Deviation 0.27 0.25 0.18 | 0.30 20 | 23 Poor
    Semi Deviation 0.16 0.15 0.13 | 0.17 20 | 23 Poor
    Sharpe Ratio 4.52 4.33 0.29 | 6.45 12 | 23 Good
    Sterling Ratio 0.70 0.69 0.58 | 0.75 11 | 23 Good
    Sortino Ratio 8.33 10.43 0.12 | 33.89 13 | 23 Average
    Jensen Alpha % 5.89 5.90 4.88 | 6.40 13 | 23 Average
    Treynor Ratio 0.15 0.17 0.01 | 0.24 19 | 23 Poor
    Modigliani Square Measure % 19.36 20.71 17.51 | 22.96 19 | 23 Poor
    Alpha % -1.28 -1.40 -2.40 | -0.76 11 | 23 Good
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Kotak Savings Fund NAV Regular Growth Kotak Savings Fund NAV Direct Growth
    04-12-2025 43.9934 46.1778
    03-12-2025 43.9864 46.1699
    02-12-2025 43.9832 46.166
    01-12-2025 43.976 46.1578
    28-11-2025 43.9591 46.1383
    27-11-2025 43.9517 46.1299
    26-11-2025 43.9427 46.12
    25-11-2025 43.9326 46.1088
    24-11-2025 43.9242 46.0993
    21-11-2025 43.9055 46.078
    20-11-2025 43.8998 46.0714
    19-11-2025 43.896 46.0668
    18-11-2025 43.8878 46.0577
    17-11-2025 43.8806 46.0495
    14-11-2025 43.8587 46.0248
    13-11-2025 43.8532 46.0185
    12-11-2025 43.8457 46.01
    11-11-2025 43.8404 46.0038
    10-11-2025 43.8279 45.9902
    07-11-2025 43.8075 45.967
    06-11-2025 43.8004 45.959
    04-11-2025 43.7863 45.943

    Fund Launch Date: 07/Oct/2008
    Fund Category: Ultra Short Duration Fund
    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
    Fund Description: An open-ended ultra-short term debt scheme investing in instruments such that the High macaulay duration of the portfolio is between 3 months and 6 months
    Fund Benchmark: NIFTY Ultra Short Duration Debt Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.