Kotak

Kotak Savings Fund-Monthly Payout of Income Distribution cum capital withdrawal option - Direct

Latest NAV

₹20.6969

As of

17 Jul 2026

3,267 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	+0.06%	+0.03%	+0.02	7 / 102	Q1
1W	+0.14%	+0.08%	+0.06	10 / 102	Q1
2W	+0.13%	+0.09%	+0.04	20 / 102	Q1
1M	+0.66%	+0.21%	+0.44	14 / 101	Q1
3M	+1.60%	+0.79%	+0.81	26 / 101	Q2
6M	+3.40%	+1.49%	+1.91	28 / 101	Q2
YTD	+3.53%	+1.58%	+1.94	28 / 100	Q2
1Y	+6.38%	+2.50%	+3.88	24 / 99	Q1
2Y	+7.16%	+2.37%	+4.79	19 / 97	Q1
3Y	+7.19%	+2.28%	+4.91	17 / 95	Q1
4Y	+6.73%	+2.18%	+4.55	20 / 90	Q1
5Y	+5.49%	+2.07%	+3.43	21 / 88	Q1
7Y	+5.57%	+1.83%	+3.74	14 / 74	Q1
10Y	+6.24%	+2.04%	+4.19	4 / 36	Q1
Inception	+5.43%	+1.82%	+3.61	17 / 102	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	+3.53%	+1.02%	+2.51	18 / 80
2025	+7.25%	+1.97%	+5.28	13 / 80
2024	+7.70%	+2.28%	+5.43	11 / 80
2023	+7.13%	+2.52%	+4.61	16 / 78
2022	+1.10%	+1.51%	-0.41	32 / 86
2021	+2.67%	+1.50%	+1.17	26 / 78
2020	+6.24%	+1.97%	+4.27	5 / 81
2019	+8.22%	+1.58%	+6.63	4 / 72
2018	+7.75%	+0.60%	+7.15	5 / 49
2017	+6.99%	+1.82%	+5.17	10 / 49
2016	+8.86%	+1.85%	+7.00	5 / 40

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

+5.60%

153 windows

min 0.2% · max 9.1%

100% positive

3-Year rolling

+5.76%

129 windows

min 2.1% · max 8.0%

100% positive

5-Year rolling

+5.82%

105 windows

min 4.4% · max 7.9%

100% positive

7-Year rolling

+5.92%

80 windows

min 5.5% · max 6.5%

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

0.43%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.12%

Jul 2026 → Jul 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-Daily IDCW Option	HDFC	₹10.0920	17 Jul 2026
NIPPON INDIA ULTRA SHORT DURATION FUND - DIRECT Plan - DAILY IDCW OPTION	Nippon India	₹1,114.1500	17 Jul 2026
SBI Ultra Short Duration Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹2,427.1356	17 Jul 2026
ICICI Prudential Ultra Short Term Fund - Direct Plan - Monthly IDCW	ICICI Prudential	₹10.8052	17 Jul 2026
Invesco India Ultra Short Duration Fund - Direct Plan - Annual IDCW (Payout / Reinvestment)	Invesco	₹2,193.0141	17 Jul 2026
BANDHAN ULTRA SHORT DURATION FUND - DIRECT PLAN -MONTHLY IDCW	Bandhan	₹10.0637	17 Jul 2026
Aditya Birla Sun Life Savings Fund-DIRECT - DAILY IDCW	Aditya Birla Sun Life	₹100.0000	17 Jul 2026
Motilal Oswal Ultra Short Term Fund Direct - IDCW Daily Reinvestment	Motilal Oswal	₹11.7326	17 Jul 2026
Franklin India Ultra Short Duration Fund - Direct - IDCW	Franklin India	₹10.7367	17 Jul 2026
Mirae Asset Ultra Short Duration Fund Direct IDCW	Mirae Asset	₹1,415.0742	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹20.6969
16 Jul 2026	₹20.6854
15 Jul 2026	₹20.6757
14 Jul 2026	₹20.6720
13 Jul 2026	₹20.6790
10 Jul 2026	₹20.6680
9 Jul 2026	₹20.6623
8 Jul 2026	₹20.6506
7 Jul 2026	₹20.6631
6 Jul 2026	₹20.6757

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 17 Jul 2026, the NAV of Kotak Savings Fund-Monthly Payout of Income Distribution cum capital withdrawal option - Direct is ₹20.6969. It's a Ultra Short Duration Fund from Kotak, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Kotak Savings Fund-Monthly Payout of Income Distribution cum capital withdrawal option - Direct has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 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-Monthly Payout of Income Distribution cum capital withdrawal option - 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-Monthly Payout of Income Distribution cum capital withdrawal option - Direct has delivered a absolute return of 6.38% — +3.88 pp ahead of the Ultra Short Duration Fund category average of 2.50%. The fund ranks #24 of 99 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Kotak Savings Fund-Monthly Payout of Income Distribution cum capital withdrawal option - Direct has delivered a CAGR of 7.19% — +4.91 pp ahead of the Ultra Short Duration Fund category average of 2.28%. The fund ranks #17 of 95 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Kotak Savings Fund-Monthly Payout of Income Distribution cum capital withdrawal option - Direct has delivered a CAGR of 5.49% — +3.43 pp ahead of the Ultra Short Duration Fund category average of 2.07%. The fund ranks #21 of 88 in its category — the top (Q1) quartile.

₹1 lakh invested in Kotak Savings Fund-Monthly Payout of Income Distribution cum capital withdrawal option - Direct exactly 10 years ago would be worth approximately ₹183,095 today — a multiplier of 1.83×, based on the 10-year CAGR of 6.24%. The category average over the same window would have grown ₹1 lakh to ₹122,425.

A ₹10,000 monthly SIP in Kotak Savings Fund-Monthly Payout of Income Distribution cum capital withdrawal option - Direct over the last 5 years — total invested ₹600,000 — would be worth ₹709,924 today. That's an XIRR (money-weighted annualised return) of 6.66%.

A ₹10,000 monthly SIP for 10 years in Kotak Savings Fund-Monthly Payout of Income Distribution cum capital withdrawal option - Direct = ₹1,200,000 invested. It would currently be worth ₹1,633,610 (multiplier 1.36×). XIRR: 6.01%. 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-Monthly Payout of Income Distribution cum capital withdrawal option - Direct ranks #21 out of 88 funds in the Ultra Short Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.07%; this fund delivered 5.49%.

The worst peak-to-trough decline Kotak Savings Fund-Monthly Payout of Income Distribution cum capital withdrawal option - Direct has experienced over the last 5-year window is 0.49% — its NAV fell from a high on 12 Sep 2022 to a low on 15 Sep 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-Monthly Payout of Income Distribution cum capital withdrawal option - Direct averaged 5.82% (best 7.86%, worst 4.41%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.24 — negative risk-adjusted performance.

In calendar year 2025, Kotak Savings Fund-Monthly Payout of Income Distribution cum capital withdrawal option - Direct returned 7.25% — beating the Ultra Short Duration Fund category average of 1.97% by 5.28 pp. It ranked #13 of 80 in its category that year.

Kotak Savings Fund-Monthly Payout of Income Distribution cum capital withdrawal option - 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-Monthly Payout of Income Distribution cum capital withdrawal option - 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: 0.5%. 5-year CAGR: 5.49%.

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

Kotak Savings Fund-Monthly Payout of Income Distribution cum capital withdrawal option - 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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