Should I invest in Kotak Savings Fund?

We don't give personal investment advice. Kotak Savings Fund-Growth - Direct is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.3%. 5-year CAGR: 6.33%.

Kotak

Kotak Savings Fund-Growth - Direct

Latest NAV

₹47.4509

As of

3 Jun 2026

3,236 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.02%	+0.03%	-0.01	20 / 27	Q3
1W	+0.19%	-3.38%	+3.56	22 / 28	Q4
2W	+0.08%	+0.19%	-0.11	27 / 27	Q4
1M	+0.19%	+0.31%	-0.12	27 / 27	Q4
3M	+1.32%	+1.58%	-0.26	24 / 27	Q4
6M	+2.75%	+3.00%	-0.24	23 / 27	Q4
YTD	+2.28%	+2.64%	-0.36	23 / 27	Q4
1Y	+6.08%	+2.55%	+3.54	18 / 28	Q3
2Y	+6.98%	+3.03%	+3.96	15 / 27	Q3
3Y	+7.14%	+7.07%	+0.07	14 / 26	Q3
4Y	+6.99%	+6.96%	+0.03	14 / 26	Q3
5Y	+6.33%	+6.42%	-0.09	13 / 25	Q3
7Y	+6.27%	+6.39%	-0.12	11 / 20	Q3
10Y	+6.75%	+6.51%	+0.24	5 / 11	Q2
Inception	+7.36%	+2.98%	+4.38	5 / 28	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+2.28%	+2.39%	-0.11	21 / 25
2025	+7.28%	+7.21%	+0.07	9 / 25
2024	+7.65%	+7.61%	+0.04	13 / 24
2023	+7.29%	+7.20%	+0.08	13 / 24
2022	+4.90%	+4.77%	+0.14	9 / 25
2021	+3.63%	+0.07%	+3.56	16 / 24
2020	+6.28%	+4.63%	+1.65	6 / 23
2019	+8.24%	+7.27%	+0.97	6 / 18
2018	+7.70%	+6.38%	+1.32	6 / 13
2017	+7.02%	+7.15%	-0.14	8 / 13
2016	+8.52%	+8.94%	-0.42	8 / 12

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+7.38%

152 windows

min 3.6% · max 10.5%

100% positive

3-Year rolling

+7.16%

127 windows

min 4.9% · max 9.5%

100% positive

5-Year rolling

+6.99%

103 windows

min 5.9% · max 8.7%

100% positive

7-Year rolling

+7.03%

79 windows

min 6.3% · max 8.5%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

0.37%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.11%

May 2026 → May 2026

% positive months

100.0%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Ultra Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Ultra Short Term Fund - Direct Plan-Growth Option	HDFC	₹16.3326	3 Jun 2026
Nippon India Ultra Short Duration Fund- Direct Plan- Growth Option	Nippon India	₹4,713.2064	3 Jun 2026
SBI ULTRA SHORT DURATION FUND - DIRECT PLAN - GROWTH	SBI	₹6,418.2058	3 Jun 2026
ICICI Prudential Ultra Short Term Fund - Direct Plan - Growth	ICICI Prudential	₹31.7072	3 Jun 2026
Invesco India Ultra Short Duration Fund - Direct Plan - Growth	Invesco	₹3,045.4367	3 Jun 2026
BANDHAN ULTRA SHORT DURATION FUND - DIRECT PLAN GROWTH	Bandhan	₹16.2708	3 Jun 2026
Aditya Birla Sun Life Savings Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹590.3559	3 Jun 2026
Motilal Oswal Ultra Short Term Fund (MOFUSTF) -Direct Plan- Growth	Motilal Oswal	₹18.3824	3 Jun 2026
Franklin India Ultra Short Duration Fund - Direct - Growth	Franklin India	₹11.2823	3 Jun 2026
Mirae Asset Ultra Short Duration Fund Direct Growth	Mirae Asset	₹1,398.9872	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹47.4509
2 Jun 2026	₹47.4368
1 Jun 2026	₹47.4262
29 May 2026	₹47.3809
27 May 2026	₹47.3491
26 May 2026	₹47.3480
25 May 2026	₹47.3519
22 May 2026	₹47.3468
21 May 2026	₹47.3495
20 May 2026	₹47.3759

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of Kotak Savings Fund-Growth - Direct is ₹47.4509. It's a Ultra Short Duration Fund from Kotak, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak Savings Fund-Growth - Direct has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Kotak Savings Fund-Growth - Direct is managed by Kotak. It's classified by AMFI under the 'Ultra Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Savings Fund-Growth - Direct has delivered a absolute return of 6.08% — +3.54 pp ahead of the Ultra Short Duration Fund category average of 2.55%. The fund ranks #18 of 28 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Kotak Savings Fund-Growth - Direct has delivered a CAGR of 7.14% — +0.07 pp ahead of the Ultra Short Duration Fund category average of 7.07%. The fund ranks #14 of 26 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Kotak Savings Fund-Growth - Direct has delivered a CAGR of 6.33% — -0.09 pp behind the Ultra Short Duration Fund category average of 6.42%. The fund ranks #13 of 25 in its category — the third (Q3) quartile.

₹1 lakh invested in Kotak Savings Fund-Growth - Direct exactly 10 years ago would be worth approximately ₹192,081 today — a multiplier of 1.92×, based on the 10-year CAGR of 6.75%. The category average over the same window would have grown ₹1 lakh to ₹187,841.

A ₹10,000 monthly SIP in Kotak Savings Fund-Growth - Direct over the last 5 years — total invested ₹600,000 — would be worth ₹713,071 today. That's an XIRR (money-weighted annualised return) of 6.84%.

A ₹10,000 monthly SIP for 10 years in Kotak Savings Fund-Growth - Direct = ₹1,200,000 invested. It would currently be worth ₹1,678,515 (multiplier 1.40×). XIRR: 6.53%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Savings Fund-Growth - Direct ranks #13 out of 25 funds in the Ultra Short Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 6.42%; this fund delivered 6.33%.

The worst peak-to-trough decline Kotak Savings Fund-Growth - Direct has experienced over the last 5-year window is 0.27% — its NAV fell from a high on 02 May 2022 to a low on 06 May 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Kotak Savings Fund-Growth - Direct averaged 6.99% (best 8.66%, worst 5.92%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.67 — negative risk-adjusted performance.

In calendar year 2025, Kotak Savings Fund-Growth - Direct returned 7.28% — beating the Ultra Short Duration Fund category average of 7.21% by 0.07 pp. It ranked #9 of 25 in its category that year.

Kotak Savings Fund-Growth - Direct is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. Kotak Savings Fund-Growth - Direct is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.3%. 5-year CAGR: 6.33%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

Kotak Savings Fund-Growth - Direct

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Ultra Short Duration Fund

Recent NAVs

Frequently asked questions

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