Kotak Savings Fund Datagrid
Category Ultra Short Duration Fund
BMSMONEY Rank 13
Rating
Growth Option 31-07-2026
NAV ₹45.7(R) +0.01% ₹48.12(D) +0.01%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 5.93% 6.75% 6.02% 5.82% 6.29%
Direct 6.41% 7.24% 6.49% 6.29% 6.73%
Benchmark
SIP (XIRR) Regular -9.52% 0.92% 4.65% 5.23% 5.17%
Direct -9.08% 1.4% 5.14% 5.71% 5.63%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.97 1.16 0.68 0.43% 0.06
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.48% 0.0% 0.0% 0.18 0.32%
Fund AUM As on: 30/12/2025 15766 Cr
Top Ultra Short Duration Fund
Fund Name Rank Rating
Aditya Birla Sun Life Savings Fund 1
Mirae Asset Ultra Short Duration Fund 2
Baroda BNP Paribas Ultra Short Duration Fund 3
HSBC Ultra Short Duration Fund 4
ICICI Prudential Ultra Short Term Fund 5

NAV Date: 31-07-2026

Scheme Name NAV Rupee Change Percent Change
Kotak Savings Fund -Monthly Payout of Income Distribution cum capital withdrawal option 10.75
0.0000
0.0100%
Kotak Savings Fund-Monthly Payout of Income Distribution cum capital withdrawal option - Direct 20.75
0.0000
0.0100%
Kotak Savings Fund -Growth 45.7
0.0100
0.0100%
Kotak Savings Fund-Growth - Direct 48.12
0.0100
0.0100%

Review Date: 31-07-2026

Beginning of Analysis

In the Ultra Short Duration Fund category, Kotak Savings Fund is the 11th ranked fund. The category has total 23 funds. The Kotak Savings Fund has shown an average past performence in Ultra Short Duration Fund. The fund has a Jensen Alpha of 0.43% which is lower than the category average of 0.45%, showing poor performance. The fund has a Sharpe Ratio of 1.97 which is higher than the category average of 1.96.
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 0.5%, 1.7 and 3.37 in last one, three and six months respectively. In the same period the category average return was 0.5%, 1.78% and 3.47% respectively.
  • Kotak Savings Fund has given a return of 6.41% in last one year. In the same period the Ultra Short Duration Fund category average return was 6.48%.
  • The fund has given a return of 7.24% in last three years and ranked 13.0th out of twenty three funds in the category. In the same period the Ultra Short Duration Fund category average return was 7.24%.
  • The fund has given a return of 6.49% in last five years and ranked 12th out of twenty two funds in the category. In the same period the Ultra Short Duration Fund category average return was 6.48%.
  • The fund has given a return of 6.73% in last ten years and ranked 4th out of ten funds in the category. In the same period the category average return was 6.42%.
  • The fund has given a SIP return of -9.08% in last one year whereas category average SIP return is -8.99%. The fund one year return rank in the category is 17th in 23 funds
  • The fund has SIP return of 1.4% in last three years and ranks 13th in 22 funds. Nippon India Ultra Short Duration Fund has given the highest SIP return (1.76%) in the category in last three years.
  • The fund has SIP return of 5.14% in last five years whereas category average SIP return is 5.14%.

Kotak Savings Fund Risk Analysis

  • The fund has a standard deviation of 0.48 and semi deviation of 0.32. The category average standard deviation is 0.43 and semi deviation is 0.29.
  • 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 % 0.46
    0.45
    		0.39 | 0.52 11 | 23 Good
    3M Return % 1.59
    1.64
    		1.40 | 1.81 19 | 23 Poor
    6M Return % 3.14
    3.20
    		2.83 | 3.43 17 | 23 Average
    1Y Return % 5.93
    5.90
    		5.12 | 6.34 13 | 23 Average
    3Y Return % 6.75
    6.68
    		5.69 | 7.25 12 | 23 Good
    5Y Return % 6.02
    5.97
    		4.99 | 6.49 12 | 22 Good
    7Y Return % 5.82
    5.70
    		4.72 | 6.41 8 | 17 Good
    10Y Return % 6.29
    5.94
    		3.60 | 6.84 4 | 10 Good
    15Y Return % 7.22
    7.11
    		6.63 | 7.72 4 | 9 Good
    1Y SIP Return % -9.52
    -9.51
    		-10.19 | -9.11 12 | 23 Good
    3Y SIP Return % 0.92
    0.86
    		-0.12 | 1.39 12 | 23 Good
    5Y SIP Return % 4.65
    4.59
    		3.56 | 5.12 12 | 22 Good
    7Y SIP Return % 5.23
    5.18
    		4.15 | 5.75 9 | 17 Good
    10Y SIP Return % 5.17
    4.97
    		3.33 | 5.71 4 | 10 Good
    15Y SIP Return % 5.52
    5.61
    		4.99 | 6.48 4 | 9 Good
    Standard Deviation 0.48
    0.43
    		0.31 | 0.50 20 | 23 Poor
    Semi Deviation 0.32
    0.29
    		0.22 | 0.35 20 | 23 Poor
    Sharpe Ratio 1.97
    1.96
    		-0.27 | 2.91 13 | 23 Average
    Sterling Ratio 0.68
    0.67
    		0.57 | 0.73 12 | 23 Good
    Sortino Ratio 1.16
    1.31
    		-0.10 | 2.22 14 | 23 Average
    Jensen Alpha % 0.43
    0.45
    		-0.34 | 0.93 13 | 23 Average
    Treynor Ratio 0.06
    0.07
    		0.01 | 0.10 14 | 23 Average
    Modigliani Square Measure % 1.64
    1.63
    		-0.22 | 2.41 13 | 23 Average
    Alpha % -1.39
    -1.43
    		-2.34 | -0.84 13 | 23 Average
    Return data last Updated On : July 31, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.50 0.50 0.47 | 0.54 14 | 24 Average
    3M Return % 1.70 1.78 1.64 | 1.88 21 | 24 Poor
    6M Return % 3.37 3.47 3.30 | 3.68 20 | 24 Poor
    1Y Return % 6.41 6.48 6.21 | 6.87 14 | 24 Average
    3Y Return % 7.24 7.24 6.49 | 7.58 13 | 23 Average
    5Y Return % 6.49 6.48 5.70 | 7.10 12 | 22 Good
    7Y Return % 6.29 6.22 5.29 | 6.73 8 | 17 Good
    10Y Return % 6.73 6.42 4.10 | 7.28 4 | 10 Good
    1Y SIP Return % -9.08 -8.99 -9.34 | -8.63 17 | 23 Average
    3Y SIP Return % 1.40 1.43 0.71 | 1.76 13 | 22 Average
    5Y SIP Return % 5.14 5.14 4.35 | 5.50 12 | 21 Good
    7Y SIP Return % 5.71 5.74 4.87 | 6.43 11 | 16 Average
    10Y SIP Return % 5.63 5.49 3.93 | 6.00 5 | 9 Good
    Standard Deviation 0.48 0.43 0.31 | 0.50 20 | 23 Poor
    Semi Deviation 0.32 0.29 0.22 | 0.35 20 | 23 Poor
    Sharpe Ratio 1.97 1.96 -0.27 | 2.91 13 | 23 Average
    Sterling Ratio 0.68 0.67 0.57 | 0.73 12 | 23 Good
    Sortino Ratio 1.16 1.31 -0.10 | 2.22 14 | 23 Average
    Jensen Alpha % 0.43 0.45 -0.34 | 0.93 13 | 23 Average
    Treynor Ratio 0.06 0.07 0.01 | 0.10 14 | 23 Average
    Modigliani Square Measure % 1.64 1.63 -0.22 | 2.41 13 | 23 Average
    Alpha % -1.39 -1.43 -2.34 | -0.84 13 | 23 Average
    Return data last Updated On : July 31, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    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
    31-07-2026 45.7048 48.1189
    30-07-2026 45.6991 48.1123
    29-07-2026 45.6889 48.101
    28-07-2026 45.6799 48.0909
    27-07-2026 45.6779 48.0882
    24-07-2026 45.6632 48.0709
    23-07-2026 45.6569 48.0637
    22-07-2026 45.6429 48.0483
    21-07-2026 45.6379 48.0425
    20-07-2026 45.6189 48.0218
    17-07-2026 45.6025 48.0027
    16-07-2026 45.5777 47.9761
    15-07-2026 45.5569 47.9536
    14-07-2026 45.5494 47.945
    13-07-2026 45.5655 47.9614
    10-07-2026 45.543 47.9358
    09-07-2026 45.5309 47.9226
    08-07-2026 45.5058 47.8955
    07-07-2026 45.5339 47.9245
    06-07-2026 45.5621 47.9536
    03-07-2026 45.5497 47.9387
    02-07-2026 45.5438 47.9319
    01-07-2026 45.5213 47.9076
    30-06-2026 45.4943 47.8786

    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.