Kotak Low Duration Fund Direct-Growth
Debt: Low Duration - Growth (Open ended) Factsheet
SEBI Riskometer: Low to ModerateCategory: Debt: Low DurationBenchmark: NIFTY Low Duration Debt Index A-I
NAV: ₹3,891.2-0.08%
08 Jul 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Kotak Low Duration Fund Direct-Growth.
Historical Asset Allocation
| Asset | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 | 31 Jan 2026 |
|---|---|---|---|---|---|---|
| Equity | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Debt | 98.38% | 99.06% | 99.05% | 100.46% | 96.24% | 95.72% |
| Others (incl. cash) | 1.62% | 0.94% | 0.95% | -0.46% | 3.76% | 4.28% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Portfolio Snapshot
No. of Securities
92
Top Holding %
4.36%
Top 5 Holdings %
20.12%
Top 10 Holdings %
33.42%
Modified Duration
0.93 yrs
Avg. Maturity
1.19 yrs
Yield to Maturity
8.13%
AUM
₹11,523 Cr
Expense Ratio
0.40%
Since Inception
7.88%
Max Drawdown
-0.02%
Sharpe Ratio
2.22
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| Karnataka State | Others | 5,00,00,000 | 502.17 | 4.36% | 0.67%↑ |
| Punjab National Bank | Financial | 50,000 | 478.13 | 4.15% | 0.62%↑ |
| National Bank For Agriculture & Rural Development | Financial | 47,500 | 476.74 | 4.14% | 0.59%↑ |
| Punjab National Bank | Financial | 45,000 | 432.46 | 3.75% | 0.38%↑ |
| JTPM Metal Traders Ltd. | Metals & Mining | 40,000 | 428.7 | 3.72% | 0.58%↑ |
| Bajaj Housing Finance Ltd. | Financial | 40,000 | 400.9 | 3.48% | 0.51%↑ |
| Canara Bank | Financial | 35,000 | 336.51 | 2.92% | -2.05%↓ |
| Bank Of Baroda | Financial | 30,000 | 288.26 | 2.50% | 0.37%↑ |
| Bajaj Housing Finance Ltd. | Financial | 26,000 | 257.85 | 2.24% | 0.33%↑ |
| REC Ltd. | Financial | 25,000 | 248.6 | 2.16% | 0.32%↑ |
| Union Bank of India | Financial | 25,000 | 239.12 | 2.08% | 0.31%↑ |
| Small Industries Devp. Bank of India Ltd. | Financial | 25,000 | 240.11 | 2.08% | 0.31%↑ |
| Radhakrishna Securitisation Trust | Others | 210 | 205.37 | 1.78% | 0.25%↑ |
| Vedanta Ltd. | Metals & Mining | 20,000 | 201.38 | 1.75% | 0.27%↑ |
| Karnataka State | Others | 2,00,00,000 | 201.91 | 1.75% | 0.27%↑ |
| Tata Capital Financial Services Ltd. | Financial | 2,000 | 200.53 | 1.74% | 0.25%↑ |
| Tamilnadu State | Others | 2,00,00,000 | 200.77 | 1.74% | 0.26%↑ |
| Aditya Birla Housing Finance Ltd. | Financial | 20,000 | 200.68 | 1.74% | 0.25%↑ |
| Bharti Telecom Ltd. | Communication | 20,000 | 200.83 | 1.74% | 0.24%↑ |
| Bajaj Finance Ltd. | Financial | 20,000 | 200.35 | 1.74% | 0.25%↑ |
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Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| AAA | 44.54% | 37.74% |
| A1+ | 25.59% | 33.42% |
| SOV | 12.95% | 6.97% |
| AA | 10.99% | 6.52% |
| AA+ | 3.93% | 4.08% |
| Cash & Call Money | 1.62% | 2.20% |
| Others | 0.38% | 0.24% |
| AA- | - | 0.25% |
| B+ | - | 2.86% |
| Cash | - | 0.00% |
Debt Insights
A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.
SEBI PRC matrix
Credit risk
| Interest risk | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| Karnataka State | State Development Loan | 7.15% | 28/07/2031 | SOV | 4.36% |
| Punjab National Bank | Certificate of Deposit | 0.00% | 04/03/2027 | CARE A1+ | 4.15% |
| National Bank For Agriculture & Rural Development | Debenture | 7.80% | 15/03/2027 | ICRA AAA | 4.14% |
| Punjab National Bank | Certificate of Deposit | 0.00% | 04/02/2027 | CRISIL A1+ | 3.75% |
| JTPM Metal Traders Ltd. | Debenture | 0.00% | 30/04/2030 | CRISIL AA | 3.72% |
| Bajaj Housing Finance Ltd. | Debenture | 7.66% | 20/03/2028 | CRISIL AAA | 3.48% |
| Canara Bank | Certificate of Deposit | 0.00% | 02/02/2027 | CRISIL A1+ | 2.92% |
| Bank Of Baroda | Certificate of Deposit | 0.00% | 05/02/2027 | CARE A1+ | 2.50% |
| Bajaj Housing Finance Ltd. | Non Convertible Debenture | 7.02% | 26/05/2028 | CRISIL AAA | 2.24% |
| REC Ltd. | Debenture | 6.60% | 30/06/2027 | ICRA AAA | 2.16% |
| Small Industries Devp. Bank of India Ltd. | Certificate of Deposit | 0.00% | 04/02/2027 | CARE A1+ | 2.08% |
| Union Bank of India | Certificate of Deposit | 0.00% | 03/03/2027 | FITCH A1+ | 2.08% |
| Radhakrishna Securitisation Trust | Securitised Debt | 0.00% | 0 | CRISIL AAA(SO) | 1.78% |
| Karnataka State | State Development Loan | 0.00% | 25/03/2031 | SOV | 1.75% |
| Vedanta Ltd. | Debenture | 8.95% | 16/03/2029 | CRISIL AA | 1.75% |
| Tata Capital Financial Services Ltd. | Bonds | 7.89% | 26/07/2027 | CRISIL AAA | 1.74% |
| Tamilnadu State | State Development Loan | 6.92% | 26/03/2029 | SOV | 1.74% |
| Aditya Birla Housing Finance Ltd. | Debenture | 8.10% | 22/12/2026 | ICRA AAA | 1.74% |
| Bharti Telecom Ltd. | Debenture | 8.95% | 04/12/2026 | CRISIL AAA | 1.74% |
| Bajaj Finance Ltd. | Debenture | 7.80% | 10/12/2027 | CRISIL AAA | 1.74% |
| Power Finance Corporation Ltd. | Debenture | 6.92% | 16/02/2028 | CRISIL AAA | 1.73% |
| Bharti Telecom Ltd. | Debenture | 7.45% | 15/12/2028 | CRISIL AAA | 1.72% |
| Karnataka State | State Development Loan | 7.19% | 11/08/2032 | SOV | 1.71% |
| Punjab National Bank | Certificate of Deposit | 0.00% | 05/02/2027 | CRISIL A1+ | 1.67% |
| Canara Bank | Certificate of Deposit | 0.00% | 28/01/2027 | CRISIL A1+ | 1.67% |
| Adani Power Ltd. | Debenture | 8.20% | 25/01/2029 | CRISIL AA | 1.66% |
| Tamilnadu State | State Development Loan | 7.31% | 11/02/2033 | SOV | 1.59% |
| National Bank For Agriculture & Rural Development | Certificate of Deposit | 0.00% | 17/03/2027 | CRISIL A1+ | 1.45% |
| National Bank For Agriculture & Rural Development | Bonds | 7.44% | 24/02/2028 | CRISIL AAA | 1.39% |
| RJ Corp Ltd. | Debenture | 7.25% | 08/12/2028 | CRISIL AAA | 1.32% |
| HDFC Bank Ltd. | Certificate of Deposit | 0.00% | 24/02/2027 | CARE A1+ | 1.25% |
| India Universal Trust AL1 | Securitised Debt | 0.00% | 20/07/2027 | FITCH AAA(SO) | 1.16% |
| Bharti Telecom Ltd. | Debenture | 7.30% | 01/12/2027 | CRISIL AAA | 1.14% |
| Godrej Seeds & Genetics Ltd. | Non Convertible Debenture | 7.99% | 26/03/2029 | CRISIL AA | 1.08% |
| Godrej Seeds & Genetics Ltd. | Non Convertible Debenture | 7.99% | 26/12/2028 | CRISIL AA | 1.08% |
| Bharti Telecom Ltd. | Debenture | 7.40% | 01/02/2029 | CRISIL AAA | 1.07% |
| Vedanta Ltd - Pref. Shares 7.50 | Debenture | 9.50% | 20/08/2027 | ICRA AA+ | 0.88% |
| Madhya Pradesh State | State Development Loan | 7.46% | 27/09/2027 | SOV | 0.88% |
| Tamilnadu State | State Development Loan | 7.03% | 11/09/2029 | SOV | 0.87% |
| REC Ltd. | Bonds | 7.71% | 26/02/2027 | CRISIL AAA | 0.87% |
| Nexus Select Trust | Debenture | 7.69% | 28/05/2027 | CRISIL AAA | 0.87% |
| Vedanta Ltd. | Debenture | 9.40% | 20/02/2027 | ICRA AA+ | 0.87% |
| Embassy Office Parks REIT | Non Convertible Debenture | 7.05% | 18/10/2026 | CRISIL AAA | 0.87% |
| Can Fin Homes Ltd. | Debenture | 8.25% | 21/05/2027 | ICRA AAA | 0.87% |
| Hinduja Leyland Finance Ltd. | Debenture | 8.40% | 06/05/2027 | CRISIL AA+ | 0.87% |
| Piramal Finance Ltd. | Debenture | 9.15% | 17/06/2027 | CARE AA+ | 0.87% |
| Kotak Mahindra Prime Ltd. | Debenture | 7.99% | 17/09/2027 | CRISIL AAA | 0.87% |
| DLF Cyber City Developers Ltd. | Non Convertible Debenture | 6.92% | 28/07/2028 | CRISIL AAA | 0.86% |
| Embassy Office Parks REIT | Zero Coupon Bonds | 0.00% | 24/07/2035 | CRISIL AAA | 0.86% |
| Sundaram Finance Ltd. | Commercial Paper | 0.00% | 365-D 18/11/2026 | CRISIL A1+ | 0.84% |
| Bharti Telecom Ltd. | Debenture | 8.65% | 05/11/2027 | CRISIL AAA | 0.79% |
| Liquid Gold Series 9 | Structured Obligation | 0.00% | 0 | CRISIL AAA(SO) | 0.68% |
| Godrej Seeds & Genetics Ltd. | Non Convertible Debenture | 7.68% | 28/07/2028 | CRISIL AA | 0.49% |
| Godrej Seeds & Genetics Ltd. | Non Convertible Debenture | 7.68% | 28/04/2028 | CRISIL AA | 0.49% |
| Godrej Seeds & Genetics Ltd. | Non Convertible Debenture | 7.68% | 28/01/2028 | CRISIL AA | 0.49% |
| Liquid Gold Series 14 | Structured Obligation | 0.00% | 20/07/2027 | CRISIL AAA(SO) | 0.47% |
| Dhruva Trust | Securitised Debt | 0.00% | 0 | ICRA AAA(SO) | 0.46% |
| Bajaj Finance Ltd. | Debenture | 8.12% | 10/09/2027 | CRISIL AAA | 0.44% |
| PNB Housing Finance Ltd. | Debenture | 8.15% | 29/07/2027 | CARE AAA | 0.44% |
| LIC Housing Finance Ltd. | Debenture | 7.93% | 14/07/2027 | CRISIL AAA | 0.44% |
| Muthoot Finance Ltd. | Debenture | 8.78% | 20/05/2027 | CRISIL AA+ | 0.44% |
| Bajaj Housing Finance Ltd. | Debenture | 8.10% | 08/07/2027 | CRISIL AAA | 0.44% |
| Sansar Trust | Securitised Debt | 0.00% | 0 | CRISIL AAA(SO) | 0.44% |
| Embassy Office Parks REIT | Non Convertible Debenture | 7.96% | 27/09/2027 | CRISIL AAA | 0.44% |
| REC Ltd. | Debenture | 7.56% | 31/08/2027 | ICRA AAA | 0.44% |
| Tata Capital Housing Finance Ltd. | Non Convertible Debenture | 7.30% | 11/02/2028 | CRISIL AAA | 0.43% |
| Embassy Office Parks REIT | Debenture | 7.21% | 17/03/2028 | CRISIL AAA | 0.43% |
| Bank Of Baroda | Certificate of Deposit | 0.00% | 11/03/2027 | FITCH A1+ | 0.41% |
| Canara Bank | Certificate of Deposit | 0.00% | 11/03/2027 | CRISIL A1+ | 0.41% |
| Punjab National Bank | Certificate of Deposit | 0.00% | 12/03/2027 | CRISIL A1+ | 0.41% |
| India Universal Trust AL1 | Securitised Debt | 8.09% | 21/11/2027 | FITCH AAA(SO) | 0.39% |
| Embassy Office Parks REIT | Non Convertible Debenture | 6.80% | 07/09/2026 | CRISIL AAA | 0.35% |
| Mindspace Business Parks REIT | Debenture | 8.03% | 10/12/2026 | CRISIL AAA | 0.22% |
| Embassy Office Parks REIT | Debenture | 7.35% | 05/04/2027 | CRISIL AAA | 0.21% |
| Nomura Capital (India) Pvt Ltd. | Non Convertible Debenture | 8.45% | 01/03/2027 | FITCH AAA | 0.17% |
| Sansar Trust | Securitised Debt | 0.00% | 25/06/2030 | CRISIL AAA(SO) | 0.17% |
| India Universal Trust AL1 | Securitised Debt | 0.00% | 0 | FITCH AAA(SO) | 0.11% |
| Nirma Ltd. | Debenture | 8.50% | 07/04/2027 | FITCH AA | 0.09% |
| Aadhar Housing Finance Ltd | Debenture | 8.65% | 21/08/2027 | ICRA AA | 0.09% |
| Embassy Office Parks REIT | Debenture | 6.96% | 19/03/2027 | CRISIL AAA | 0.06% |
| Godrej Seeds & Genetics Ltd. | Non Convertible Debenture | 7.68% | 27/10/2028 | CRISIL AA | 0.05% |
| Bajaj Housing Finance Ltd. | Debenture | 8.04% | 18/01/2027 | CRISIL AAA | 0.04% |
| Sundaram Finance Ltd. | Debenture | 7.75% | 11/12/2026 | ICRA AAA | 0.04% |
| Sansar Trust | Securitised Debt | 0.00% | 20/01/2027 | CRISIL AAA(SO) | 0.03% |
| Jamnagar Utilities and Power Pvt. Ltd. | Non Convertible Debenture | 6.40% | 29/09/2026 | CRISIL AAA | 0.03% |
| Tamilnadu State | State Development Loan | 7.84% | 13/07/2026 | SOV | 0.02% |
| Tamilnadu State | State Development Loan | 6.54% | 25/02/2029 | SOV | 0.02% |
| Aditya Birla Finance Ltd. | Debenture | 0.00% | 09/10/2026 | ICRA AAA | 0.01% |
| GOI | GOI Securities Floating Rate Bond | 0.00% | 22/09/2033 | SOV | 0.01% |
| Tata Capital Financial Services Ltd. | Debenture | 7.90% | 03/12/2026 | ICRA AAA | 0.01% |
Frequently Asked Questions
What are the top holdings of Kotak Low Duration Fund Direct-Growth?
The top holdings of Kotak Low Duration Fund Direct-Growth sorted by portfolio weight are listed in the Top Portfolio Holdings section of the Holdings tab.
How many stocks does Kotak Low Duration Fund Direct-Growth hold in its portfolio?
Kotak Low Duration Fund Direct-Growth holds 92 securities in its portfolio. The top 5 holdings account for 20.12% of the portfolio and the top 10 for 33.42% — a well-diversified portfolio that minimises stock-specific risk.
What is the sector allocation of Kotak Low Duration Fund Direct-Growth?
The sector allocation of Kotak Low Duration Fund Direct-Growth is in the Sector Allocation section, showing each industry's weight in the portfolio.
What is the equity and debt allocation of Kotak Low Duration Fund Direct-Growth?
As of 30 Jun 2026, Kotak Low Duration Fund Direct-Growth has 0.00% in equity, 98.38% in debt and 1.62% in cash/others. This asset mix determines the fund's overall risk-return profile. The debt portfolio has a yield to maturity (YTM) of 8.13%.
What is the market cap allocation of Kotak Low Duration Fund Direct-Growth?
The market cap distribution of Kotak Low Duration Fund Direct-Growth — Large, Mid and Small Cap — is shown as a chart in the Holdings Analysis section.
Is Kotak Low Duration Fund Direct-Growth a concentrated or diversified fund?
Kotak Low Duration Fund Direct-Growth holds 92 securities, with the top 10 accounting for 33.42% of the portfolio and the top 5 for 20.12%. With 92 holdings, this is a well-diversified fund — stock-specific risk is limited.
What is the credit quality of Kotak Low Duration Fund Direct-Growth?
The debt holdings of Kotak Low Duration Fund Direct-Growth are rated as follows — AAA: 44.54%, A1+: 25.59%, SOV: 12.95%, AA: 10.99%, and others. Higher allocation to AAA and sovereign instruments means lower credit risk. The full rating profile compared to the category average is in the Credit Rating section.
How often does Kotak Low Duration Fund Direct-Growth change its portfolio?
The portfolio currently holds 92 securities with the top 10 accounting for 33.42% as of 30 Jun 2026. Portfolio turnover reflects how actively the fund manager trades. A high turnover increases transaction costs while a low turnover reflects a buy-and-hold approach. Historical asset allocation snapshots across multiple dates are in the Holdings Analysis section.
What is the PE ratio of Kotak Low Duration Fund Direct-Growth's portfolio?
The portfolio-level PE, PB and debt metrics of Kotak Low Duration Fund Direct-Growth are in the Holdings Analysis section. These help assess whether the portfolio is invested in relatively cheap or expensive securities.
When is the latest portfolio disclosure for Kotak Low Duration Fund Direct-Growth?
The latest portfolio disclosure for Kotak Low Duration Fund Direct-Growth is as of 30 Jun 2026. Mutual funds and ETFs in India are required to disclose their full portfolio monthly, within 10 business days of month-end. You can switch between historical disclosure dates using the date selector in the Top Portfolio Holdings section.