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Kotak Savings Fund - Monthly Idcw Reinvestment

Debt Generate Interest income and beat FD returns

Ultra Short Duration Fund

Category Rank

Rating

The fun has significantly poor and below average yield(expected return) as compared to other funds in the category

Fund

Since this is low rated scheme, RANK MF research recommends that Investors should look for alternative schemes

Time to Invest

NAV

Rs.10.7545 (08/05/2025)

	L 52Wk H
10.71		10.83

Asset Allocation for Kotak Savings Fund - Monthly Idcw Reinvestment Fund Growth

Top 10 Holdings of Kotak Savings Fund - Monthly Idcw Reinvestment

30.87 % of total assets

Triparty Repo(4.15%)

182 DAYS TREASURY BILL 15/05/2025(3.34%)

SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)**(3.22%)

7.6% REC LTD(^)**(3.20%)

INDIAN BANK(^)**(3.20%)

CANARA BANK(^)**(3.19%)

7.57% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)**(3.10%)

BHARTI TELECOM LTD.(^)**(2.92%)

SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)**(2.53%)

7.99% MANKIND PHARMA LTD(^)**(2.03%)

Detailed Portfolio of Kotak Savings Fund - Monthly Idcw Reinvestment

                    Portfolio Date -30 Apr 2025 

                    Debt Holdings -103 

                    Other Holdings -3 

Equity Holdings
Debt Holdings
Other Holdings

Holdings	% Weight	Value	Sahi Hai/Nahi

Holdings	% Weight	Value	Sahi Hai/Nahi
182 DAYS TREASURY BILL 15/05/2025	3.34%	498.871 Cr
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)**	3.22%	480.720 Cr
7.6% REC LTD(^)**	3.20%	477.650 Cr
INDIAN BANK(^)**	3.20%	477.072 Cr
CANARA BANK(^)**	3.19%	475.693 Cr
7.57% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)**	3.10%	462.366 Cr
BHARTI TELECOM LTD.(^)**	2.92%	435.063 Cr
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)**	2.53%	378.170 Cr
7.99% MANKIND PHARMA LTD(^)**	2.03%	302.974 Cr
PUNJAB NATIONAL BANK(^)**	1.74%	259.741 Cr
TORRENT ELECTRICALS LIMITED(^)**	1.64%	244.225 Cr
INDUSIND BANK LTD.(^)**	1.61%	240.626 Cr
PUNJAB NATIONAL BANK(^)**	1.61%	240.422 Cr
UNION BANK OF INDIA**	1.61%	239.831 Cr
364 DAYS TREASURY BILL 19/03/2026(^)	1.59%	237.603 Cr
7.4% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)**	1.55%	230.629 Cr
8.9% BHARTI TELECOM LTD.(^)**	1.52%	226.047 Cr
HDFC BANK LTD.(^)**	1.51%	225.998 Cr
HDFC BANK LTD.**	1.47%	219.365 Cr
7.92% BAJAJ HOUSING FINANCE LTD.(^)**	1.45%	216.395 Cr
8.49% Tamil Nadu State Govt - 2026 - Tamil Nadu	1.37%	204.242 Cr
7.65% POONAWALLA FINCORP LIMITED**	1.34%	200.162 Cr
9.4% VEDANTA LTD.(^)**	1.34%	200.049 Cr
ICICI BANK LTD.**	1.33%	197.990 Cr
Panatone Finvest Ltd.(^)**	1.28%	190.344 Cr
AXIS BANK LTD.(^)**	1.27%	189.281 Cr
CREDILA FINANCIAL SERVICES PVT LTD(^)**	1.27%	189.182 Cr
182 DAYS TREASURY BILL 08/05/2025	1.24%	184.793 Cr
7.87% LIC HOUSING FINANCE LTD.**	1.01%	151.288 Cr
8.8% BHARTI TELECOM LTD.(^)**	1.01%	150.557 Cr
Citicorp Finance (India) Ltd.**	1.01%	150.307 Cr
5.65% Tamil Nadu State Govt - 2025 - Tamil Nadu	1.00%	149.900 Cr
INDIAN BANK**	1.00%	149.084 Cr
PTC INDIA UNIVERSAL TRUST AL1 (SERIES A1) 20/09/2026(INDIA UNIVERSAL TRUST AL1)**	0.97%	144.787 Cr
AXIS BANK LTD.(^)**	0.96%	143.383 Cr
UNION BANK OF INDIA(^)**	0.96%	143.172 Cr
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)**	0.96%	142.667 Cr
INDUSIND BANK LTD.(^)**	0.96%	142.641 Cr
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)**	0.96%	142.632 Cr
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**	0.95%	142.121 Cr
CANARA BANK(^)**	0.95%	141.990 Cr
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT(^)**	0.95%	141.776 Cr
7.44% SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA(^)**	0.94%	140.862 Cr
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LTD.**	0.83%	124.217 Cr
364 DAYS TREASURY BILL 04/12/2025	0.68%	101.436 Cr
8.29% Maharashtra State Govt - 2025 - Maharashtra	0.67%	100.657 Cr
7.72% LIC HOUSING FINANCE LTD.(^)**	0.67%	100.470 Cr
9.15% GRIHUM HOUSING FINANCE LIMITED(^)**	0.67%	100.124 Cr
7.7% HDB Financial Services Ltd.(^)**	0.67%	100.072 Cr
6.04% Gujarat State Govt - 2026 - Gujarat	0.67%	99.748 Cr
BANK OF BARODA**	0.67%	99.610 Cr
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**	0.67%	99.296 Cr
Bahadur Chand Investments Private Limited(^)**	0.66%	97.997 Cr
INDUSIND BANK LTD.(^)**	0.66%	97.970 Cr
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LTD.**	0.65%	96.514 Cr
364 DAYS TREASURY BILL 26/12/2025	0.65%	96.275 Cr
HDFC BANK LTD.(^)**	0.64%	95.932 Cr
IDFC FIRST BANK LIMITED(^)**	0.64%	95.181 Cr
UNION BANK OF INDIA(^)**	0.64%	95.148 Cr
IDFC FIRST BANK LIMITED(^)**	0.64%	95.147 Cr
ICICI SECURITIES LIMITED(^)**	0.64%	95.141 Cr
MUTHOOT FINANCE LTD.(^)**	0.64%	95.059 Cr
INDUSIND BANK LTD.(^)**	0.64%	94.848 Cr
ADITYA BIRLA FINANCE LTD.(^)**	0.64%	94.828 Cr
CANARA BANK(^)**	0.64%	94.808 Cr
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**	0.63%	94.625 Cr
CANARA BANK(^)**	0.63%	94.546 Cr
BANK OF BARODA(^)**	0.63%	94.545 Cr
INDUSIND BANK LTD.(^)**	0.63%	94.480 Cr
AXIS BANK LTD.**	0.62%	92.865 Cr
8.17% EMBASSY OFFICE PARKS REIT(^)**	0.61%	90.362 Cr
8.65% BHARTI TELECOM LTD.(^)**	0.51%	76.178 Cr
7.07% Tamil Nadu State Govt - 2026 - Tamil Nadu	0.51%	75.955 Cr
8.45% CAN FIN HOMES LTD.**	0.51%	75.865 Cr
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**	0.50%	74.000 Cr
BARCLAYS INVESTMENTS & LOAN (INDIA) PVT. LTD.**	0.49%	72.352 Cr
UNION BANK OF INDIA**	0.48%	71.088 Cr
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**	0.48%	71.055 Cr
IDBI BANK LTD.(^)**	0.48%	71.007 Cr
Bahadur Chand Investments Private Limited**	0.47%	70.319 Cr
7.5% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**	0.37%	55.394 Cr
8% BAJAJ HOUSING FINANCE LTD.(^)**	0.34%	50.310 Cr
7.83% BAJAJ HOUSING FINANCE LTD.(^)**	0.34%	50.186 Cr
7.75% Hindustan Zinc Ltd. ( ) (^)**	0.34%	50.168 Cr
6.4% John Deere Financial India Private Limited**	0.34%	49.954 Cr
INDIAN BANK**	0.33%	49.628 Cr
LIC HOUSING FINANCE LTD.**	0.33%	48.736 Cr
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**	0.33%	48.441 Cr
CANARA BANK**	0.32%	47.969 Cr
MUTHOOT FINANCE LTD.**	0.32%	47.466 Cr
7.57% Gujarat State Govt - 2026 - Gujarat	0.31%	45.855 Cr
CANARA BANK**	0.26%	39.119 Cr
8.24% Tamil Nadu State Govt - 2025 - Tamil Nadu	0.17%	25.175 Cr
7.17% GODREJ INDUSTRIES LTD**	0.17%	25.002 Cr
6.75% Sikka Ports & Terminals Ltd. ( Mukesh Ambani Group ) **	0.17%	24.939 Cr
NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**	0.17%	24.780 Cr
HDFC BANK LTD.**	0.17%	24.624 Cr
GS CG 12/09/2025 - (STRIPS)	0.16%	24.494 Cr
BHARTI TELECOM LTD.**	0.16%	24.308 Cr
GS CG 17/12/2026 - (STRIPS)	0.15%	22.925 Cr
SANSAR TRUST(SANSAR TRUST)**	0.14%	21.281 Cr
CANARA BANK**	0.07%	9.778 Cr
5.7% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**	0.03%	4.984 Cr

Holdings	% Weight	Value	Sahi Hai/Nahi
Triparty Repo	4.15%	618.699 Cr	-
SBI ALTERNATIVE INVESTMENT FUND	0.27%	39.765 Cr
Net Current Assets/(Liabilities)	-1.62%	-242.060 Cr	-

Insight on the composition of the Kotak Savings Fund - Monthly Idcw Reinvestment

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