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	102.30%	96.69%	97.95%	99.90%	98.61%	93.56%
Others (incl. cash)	-2.30%	3.31%	2.05%	0.10%	1.39%	6.44%
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

109

Top Holding %

4.76%

Top 5 Holdings %

18.43%

Top 10 Holdings %

29.15%

Modified Duration

0.40 yrs

Avg. Maturity

0.51 yrs

Yield to Maturity

7.90%

AUM

₹14,181 Cr

Expense Ratio

0.37%

Since Inception

7.38%

Max Drawdown

-0.01%

Sharpe Ratio

2.61

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
Axis Bank Ltd.	Financial	70,000	675.1	4.76%	0.64%↑
National Bank For Agriculture & Rural Development	Financial	57,500	577.11	4.07%	0.53%↑
Bank Of Baroda	Financial	60,000	576.51	4.07%	0.55%↑
Tamilnadu State	Others	4,50,00,000	447.79	3.16%	0.43%↑
HDFC Bank Ltd.	Financial	35,000	337.03	2.38%	0.32%↑
GOI	Sovereign	3,25,00,000	327.8	2.31%	0.29%↑
Muthoot Finance Ltd.	Financial	30,000	301.67	2.13%	0.29%↑
Mankind Pharma Ltd.	Healthcare	30,000	300.59	2.12%	0.27%↑
Maharashtra State	Others	3,00,00,000	300.3	2.12%	0.29%↑
Indusind Bank Ltd.	Financial	30,000	290.63	2.05%	0.27%↑
Mindspace Business Parks REIT	Construction	6,000	280.26	1.98%	-
Reserve Bank of India	Financial	2,50,00,000	248.72	1.75%	0.22%↑
National Bank For Agriculture & Rural Development	Financial	25,000	241.04	1.70%	0.23%↑
Punjab National Bank	Financial	25,000	240.22	1.69%	0.22%↑
Small Industries Devp. Bank of India Ltd.	Financial	25,000	240.11	1.69%	0.22%↑
Small Industries Devp. Bank of India Ltd.	Financial	25,000	239.48	1.69%	0.23%↑
HDFC Bank Ltd.	Financial	25,000	239.31	1.69%	0.23%↑
Yes Bank Ltd.	Financial	25,000	238.37	1.68%	0.22%↑
Punjab National Bank	Financial	22,500	216.23	1.52%	0.20%↑
Radhakrishna Securitisation Trust	Others	210	205.37	1.45%	0.19%↑

1 / 6

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
A1+	52.41%	58.15%
AAA	15.94%	20.62%
SOV	14.96%	5.88%
AA+	11.64%	4.92%
AA	7.02%	3.74%
Others	0.33%	0.27%
AA-	-	0.53%
Cash	-	-1.12%
D	-	1.47%
Cash & Call Money	-2.30%	5.54%

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
Axis Bank Ltd.	Certificate of Deposit	0.00%	14/01/2027	CRISIL A1+	4.76%
National Bank For Agriculture & Rural Development	Debenture	7.80%	15/03/2027	ICRA AAA	4.07%
Bank Of Baroda	Certificate of Deposit	0.00%	05/02/2027	CARE A1+	4.07%
Tamilnadu State	State Development Loan	6.54%	25/02/2029	SOV	3.16%
HDFC Bank Ltd.	Certificate of Deposit	0.00%	22/01/2027	CARE A1+	2.38%
GOI	GOI Securities	0.00%	04/10/2028	SOV	2.31%
Muthoot Finance Ltd.	Non Convertible Debenture	8.45%	26/06/2029	CRISIL AA+	2.13%
Maharashtra State	State Development Loan	6.90%	04/02/2030	SOV	2.12%
Mankind Pharma Ltd.	Debenture	7.99%	16/10/2026	CRISIL AA+	2.12%
Indusind Bank Ltd.	Certificate of Deposit	0.00%	14/12/2026	CRISIL A1+	2.05%
Mindspace Business Parks REIT	Commercial Paper	0.00%	10/06/2027	CRISIL A1+	1.98%
Reserve Bank of India	Treasury Bills	0.00%	182-D 06/08/2026	SOV	1.75%
National Bank For Agriculture & Rural Development	Certificate of Deposit	0.00%	14/01/2027	CRISIL A1+	1.70%
Small Industries Devp. Bank of India Ltd.	Certificate of Deposit	0.00%	04/02/2027	CARE A1+	1.69%
HDFC Bank Ltd.	Certificate of Deposit	0.00%	24/02/2027	CARE A1+	1.69%
Punjab National Bank	Certificate of Deposit	0.00%	05/02/2027	CRISIL A1+	1.69%
Small Industries Devp. Bank of India Ltd.	Certificate of Deposit	0.00%	18/02/2027	CARE A1+	1.69%
Yes Bank Ltd.	Certificate of Deposit	0.00%	05/03/2027	CRISIL A1+	1.68%
Punjab National Bank	Certificate of Deposit	0.00%	04/02/2027	CRISIL A1+	1.52%
Radhakrishna Securitisation Trust	Securitised Debt	0.00%	0	CRISIL AAA(SO)	1.45%
Vedanta Ltd.	Debenture	9.40%	20/02/2027	ICRA AA+	1.42%
National Bank For Agriculture & Rural Development	Bonds	7.44%	24/02/2028	CRISIL AAA	1.41%
Torrent Pharmaceuticals Ltd.	Debenture	7.45%	19/01/2028	ICRA AA+	1.41%
Poonawalla Fincorp Ltd.	Non Convertible Debenture	7.65%	21/04/2027	CRISIL AAA	1.41%
Bharti Telecom Ltd.	Debenture	7.30%	01/12/2027	CRISIL AAA	1.39%
Reserve Bank of India	Treasury Bills	0.00%	364-D 11/02/2027	SOV	1.36%
Punjab & Sind Bank	Certificate of Deposit	0.00%	26/02/2027	ICRA A1+	1.35%
Adani Power Ltd.	Debenture	8.20%	25/01/2029	CRISIL AA	1.35%
HDFC Bank Ltd.	Certificate of Deposit	0.00%	12/03/2027	CARE A1+	1.35%
Piramal Finance Ltd.	Debenture	9.15%	17/06/2027	CARE AA+	1.24%
Bank Of Baroda	Certificate of Deposit	0.00%	04/02/2027	FITCH A1+	1.19%
Madhya Pradesh State	State Development Loan	7.35%	13/09/2027	SOV	1.07%
Jamnagar Utilities and Power Pvt. Ltd.	Non Convertible Debenture	6.40%	29/09/2026	CRISIL AAA	1.06%
360 ONE Wealth Ltd.	Non Convertible Debenture	8.80%	22/06/2028	ICRA AA	1.06%
Nuvama Wealth Finance Ltd.	Debenture	8.95%	19/05/2028	CARE AA	1.05%
Tata Teleservices Ltd.	Commercial Paper	0.00%	364-D 17/11/2026	CRISIL A1+	1.03%
Tata Housing Devp. Co. Ltd	Commercial Paper	0.00%	364-D 15/01/2027	CARE A1+	1.02%
National Bank For Agriculture & Rural Development	Certificate of Deposit	0.00%	02/03/2027	CRISIL A1+	1.01%
IIFL Finance Ltd.	Commercial Paper	0.00%	364-D 21/01/2027	CRISIL A1+	1.01%
National Bank For Agriculture & Rural Development	Certificate of Deposit	0.00%	17/02/2027	FITCH A1+	1.01%
Torrent Pharmaceuticals Ltd.	Commercial Paper	0.00%	337-D 22/12/2026	CRISIL A1+	0.99%
Mankind Pharma Ltd.	Bonds/Debentures	7.97%	16/11/2027	CRISIL AA+	0.89%
The Federal Bank Ltd.	Certificate of Deposit	0.00%	28/01/2027	CRISIL A1+	0.85%
Union Bank of India	Certificate of Deposit	0.00%	19/01/2027	ICRA A1+	0.85%
Jubilant Bevco Ltd.	Debenture	0.00%	31/05/2028	CRISIL AA	0.78%
360 ONE Wealth Ltd.	Debenture	8.75%	10/09/2027	ICRA AA	0.71%
Muthoot Finance Ltd.	Debenture	0.00%	26/07/2029	CRISIL AA+	0.71%
Muthoot Finance Ltd.	Debenture	8.78%	20/05/2027	CRISIL AA+	0.71%
Gujarat State	State Development Loan	6.04%	20/10/2026	SOV	0.71%
Mahindra & Mahindra Financial Services Ltd.	Debenture	0.00%	18/05/2029	CRISIL AAA	0.71%
Reserve Bank of India	Treasury Bills	0.00%	364-D 10/09/2026	SOV	0.70%
Tata Capital Housing Finance Ltd.	Non Convertible Debenture	7.30%	11/02/2028	CRISIL AAA	0.70%
Reserve Bank of India	Treasury Bills	0.00%	182-D 13/08/2026	SOV	0.70%
Power Finance Corporation Ltd.	Debenture	6.92%	16/02/2028	CRISIL AAA	0.70%
Embassy Office Parks REIT	Non Convertible Debenture	7.05%	18/10/2026	CRISIL AAA	0.70%
Small Industries Devp. Bank of India Ltd.	Certificate of Deposit	0.00%	28/01/2027	CARE A1+	0.68%
Bahadur Chand Investments Pvt. Ltd.	Commercial Paper	0.00%	362-D 18/11/2026	ICRA A1+	0.68%
HDFC Bank Ltd.	Certificate of Deposit	0.00%	15/02/2027	CARE A1+	0.68%
Muthoot Finance Ltd.	Commercial Paper	0.00%	360-D 22/01/2027	CRISIL A1+	0.68%
HDFC Bank Ltd.	Certificate of Deposit	0.00%	14/12/2026	CARE A1+	0.68%
Indusind Bank Ltd.	Certificate of Deposit	0.00%	05/02/2027	CRISIL A1+	0.68%
Canara Bank	Certificate of Deposit	0.00%	29/01/2027	CRISIL A1+	0.68%
Manappuram Finance Ltd.	Commercial Paper	0.00%	365-D 03/12/2026	CRISIL A1+	0.68%
HDFC Bank Ltd.	Certificate of Deposit	0.00%	05/02/2027	CARE A1+	0.68%
Union Bank of India	Certificate of Deposit	0.00%	03/03/2027	FITCH A1+	0.67%
Birla Group Holdings Pvt. Ltd.	Commercial Paper	0.00%	365-D 12/03/2027	CRISIL A1+	0.67%
Canara Bank	Certificate of Deposit	0.00%	02/03/2027	CRISIL A1+	0.67%
Muthoot Finance Ltd.	Commercial Paper	0.00%	360-D 04/03/2027	CRISIL A1+	0.67%
Tamilnadu State	State Development Loan	7.07%	14/12/2026	SOV	0.53%
Bharti Telecom Ltd.	Debenture	8.65%	05/11/2027	CRISIL AAA	0.53%
Muthoot Finance Ltd.	Non Convertible Debenture	7.88%	22/11/2028	CRISIL AA+	0.52%
Union Bank of India	Certificate of Deposit	0.00%	02/03/2027	ICRA A1+	0.51%
Canara Bank	Certificate of Deposit	0.00%	02/02/2027	CRISIL A1+	0.51%
Muthoot Finance Ltd.	Commercial Paper	0.00%	361-D 05/02/2027	CRISIL A1+	0.51%
Bank Of Baroda	Certificate of Deposit	0.00%	07/12/2026	CARE A1+	0.51%
Canara Bank	Certificate of Deposit	0.00%	28/01/2027	CRISIL A1+	0.51%
Embassy Office Parks REIT	Commercial Paper	0.00%	342-D 18/03/2027	CRISIL A1+	0.50%
Cholamandalam Securities Ltd.	Commercial Paper	0.00%	365-D 12/03/2027	ICRA A1+	0.47%
Liquid Gold Series 14	Structured Obligation	0.00%	20/07/2027	CRISIL AAA(SO)	0.44%
Liquid Gold Series 9	Structured Obligation	0.00%	0	CRISIL AAA(SO)	0.41%
Vedanta Ltd.	Debenture	9.31%	03/12/2027	CRISIL AA	0.36%
Tata Capital Ltd.	Non Convertible Debenture	0.00%	21/02/2029	CRISIL AAA	0.35%
Godrej Seeds & Genetics Ltd.	Non Convertible Debenture	7.68%	28/04/2028	CRISIL AA	0.35%
Godrej Seeds & Genetics Ltd.	Non Convertible Debenture	7.68%	27/10/2028	CRISIL AA	0.35%
Tata Capital Housing Finance Ltd.	Non Convertible Debenture	7.12%	21/07/2027	CRISIL AAA	0.35%
Godrej Seeds & Genetics Ltd.	Non Convertible Debenture	7.68%	28/07/2028	CRISIL AA	0.35%
Godrej Seeds & Genetics Ltd.	Non Convertible Debenture	7.99%	26/12/2028	CRISIL AA	0.35%
Canara Bank	Certificate of Deposit	0.00%	04/03/2027	CRISIL A1+	0.34%
Muthoot Finance Ltd.	Commercial Paper	0.00%	360-D 04/02/2027	CRISIL A1+	0.34%
Bank Of Baroda	Certificate of Deposit	0.00%	08/03/2027	CARE A1+	0.34%
Credila Financial Services Ltd.	Commercial Paper	0.00%	364-D 01/03/2027	CRISIL A1+	0.33%
Godrej Seeds & Genetics Ltd.	Non Convertible Debenture	7.68%	28/01/2028	CRISIL AA	0.32%
Gujarat State	State Development Loan	0.00%	09/11/2026	SOV	0.32%
Godrej Properties Ltd.	Debenture	8.40%	25/01/2028	ICRA AA+	0.18%
Godrej Industries Ltd.	Non Convertible Debenture	8.10%	22/05/2028	CRISIL AA+	0.18%
Tata Capital Housing Finance Ltd.	Bonds/NCDs	7.84%	18/09/2026	CRISIL AAA	0.17%
Union Bank of India	Certificate of Deposit	0.00%	0	ICRA A1+	0.17%
GOI	GOI Securities	0.00%	17/12/2026	SOV	0.17%
Godrej Industries Ltd.	Debenture	8.42%	27/12/2027	ICRA AA+	0.11%
Tata Motors Finance Ltd.	Zero Coupon Bonds	0.00%	28/08/2026	CRISIL AAA	0.05%
National Bank For Agriculture & Rural Development	Floating Rate Bond	7.50%	0	CRISIL AAA	0.04%
Godrej Finance Ltd.	Debenture	8.75%	18/01/2027	CRISIL AA+	0.04%
Andhra Pradesh State	State Development Loan	7.85%	13/07/2026	SOV	0.04%
HDFC Bank Ltd.	Certificate of Deposit	0.00%	21/09/2026	CARE A1+	0.03%
LIC Housing Finance Ltd.	Debenture	6.40%	30/11/2026	CRISIL AAA	0.01%
Rajasthan State	State Development Loan	7.17%	28/09/2026	SOV	0.01%
Maharashtra State	State Development Loan	7.84%	13/07/2026	SOV	0.00%

Frequently Asked Questions

What are the top holdings of Kotak Savings Fund Direct-Growth?

The top holdings of Kotak Savings Fund Direct-Growth sorted by portfolio weight are listed in the Top Portfolio Holdings section of the Holdings tab.

How many stocks does Kotak Savings Fund Direct-Growth hold in its portfolio?

Kotak Savings Fund Direct-Growth holds 109 securities in its portfolio. The top 5 holdings account for 18.43% of the portfolio and the top 10 for 29.15% — a well-diversified portfolio that minimises stock-specific risk.

What is the sector allocation of Kotak Savings Fund Direct-Growth?

The sector allocation of Kotak Savings 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 Savings Fund Direct-Growth?

As of 30 Jun 2026, Kotak Savings Fund Direct-Growth has 0.00% in equity, 102.30% in debt and -2.30% in cash/others. This asset mix determines the fund's overall risk-return profile. The debt portfolio has a yield to maturity (YTM) of 7.90%.

What is the market cap allocation of Kotak Savings Fund Direct-Growth?

The market cap distribution of Kotak Savings Fund Direct-Growth — Large, Mid and Small Cap — is shown as a chart in the Holdings Analysis section.

Is Kotak Savings Fund Direct-Growth a concentrated or diversified fund?

Kotak Savings Fund Direct-Growth holds 109 securities, with the top 10 accounting for 29.15% of the portfolio and the top 5 for 18.43%. With 109 holdings, this is a well-diversified fund — stock-specific risk is limited.

What is the credit quality of Kotak Savings Fund Direct-Growth?

The debt holdings of Kotak Savings Fund Direct-Growth are rated as follows — A1+: 52.41%, AAA: 15.94%, SOV: 14.96%, AA+: 11.64%, 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 Savings Fund Direct-Growth change its portfolio?

The portfolio currently holds 109 securities with the top 10 accounting for 29.15% 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 Savings Fund Direct-Growth's portfolio?

The portfolio-level PE, PB and debt metrics of Kotak Savings 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 Savings Fund Direct-Growth?

The latest portfolio disclosure for Kotak Savings 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.

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Asset

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

Equity

0.00%

Debt

102.30%

96.69%

97.95%

99.90%

98.61%

93.56%

Others (incl. cash)

-2.30%

3.31%

2.05%

0.10%

1.39%

6.44%

Commodities

0.00%

Real Estate

0.00%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

Axis Bank Ltd.

Financial

70,000

675.1

4.76%

0.64%↑

National Bank For Agriculture & Rural Development

Financial

57,500

577.11

4.07%

0.53%↑

Bank Of Baroda

Financial

60,000

576.51

4.07%

0.55%↑

Tamilnadu State

Others

4,50,00,000

447.79

3.16%

0.43%↑

HDFC Bank Ltd.

Financial

35,000

337.03

2.38%

0.32%↑

GOI

Sovereign

3,25,00,000

327.8

2.31%

0.29%↑

Muthoot Finance Ltd.

Financial

30,000

301.67

2.13%

0.29%↑

Mankind Pharma Ltd.

Healthcare

30,000

300.59

2.12%

0.27%↑

Maharashtra State

Others

3,00,00,000

300.3

2.12%

0.29%↑

Indusind Bank Ltd.

Financial

30,000

290.63

2.05%

0.27%↑

Mindspace Business Parks REIT

Construction

6,000

280.26

1.98%

Reserve Bank of India

Financial

2,50,00,000

248.72

1.75%

0.22%↑

National Bank For Agriculture & Rural Development

Financial

25,000

241.04

1.70%

0.23%↑

Punjab National Bank

Financial

25,000

240.22

1.69%

0.22%↑

Small Industries Devp. Bank of India Ltd.

Financial

25,000

240.11

1.69%

0.22%↑

Small Industries Devp. Bank of India Ltd.

Financial

25,000

239.48

1.69%

0.23%↑

HDFC Bank Ltd.

Financial

25,000

239.31

1.69%

0.23%↑

Yes Bank Ltd.

Financial

25,000

238.37

1.68%

0.22%↑

Punjab National Bank

Financial

22,500

216.23

1.52%

0.20%↑

Radhakrishna Securitisation Trust

Others

210

205.37

1.45%

0.19%↑

Rating

Fund