+91-22-48913909Top 5 Best Low Risk Mutual Funds to Invest in 2026
Generally, a newbie to investment or a senior citizen who wants to secure their funds look for low-risk Mutual Funds. When an investor wants to invest in a low-risk mutual funds it's usually because he needs to secure his money or earn optimal returns in a short duration.
So, if you are one of those you can read more
What are Low Risk Investment Funds?
Many investors look forward to Investing in mutual funds as these offer higher returns and also are more tax efficient than other instruments like fixed deposits. But, when it comes to risk-averse investors, these are investors who are looking for secure returns and can’t tolerate risk in investments. Also, a risk-averse investor won’t prefer investing in equities, as they are highly risky funds.
Debt funds are suited for risk-averse or even a newbie investor who is willing to invest in Mutual Funds. As debt funds invest in government Bonds, Money market funds, etc., they are relatively safer. There are various types of debt funds like Liquid Funds, ultra-short term funds, short term funds, dynamic bonds, gilts funds, etc., that vary in risks. Long term debt funds are risky funds, thus investors with a low-risk appetite should avoid investing in these funds.
Liquid funds and ultra-short term funds are the lowest risky funds that’s aims at generating optimal returns for a short duration. Thus a newbies investor who wants to earn good returns on their idle money within a shorter tenure can invest here.
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Best Low Risk Mutual Funds FY 26 - 27
Fund Selection Methodology used to find 5 funds
Liquid Funds
Liquid funds invest in securities that have a low maturity period, usually less than 91 days. These funds provide easy liquidity and are least volatile than the other types of debt instruments. Also, liquids are a better option than traditional Bank Savings Account. In comparison to bank account, liquid funds provide 7-8% of annual interest. Investors who want risk-free investment can ideally prefer investing in these funds. Here are the top 5 Best Liquid Funds.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity PGIM India Insta Cash Fund Growth ₹365.236
↑ 0.09 ₹787 1.7 3.4 6.4 6.9 6.5 6.34% 1M 28D 2M 1D Indiabulls Liquid Fund Growth ₹2,712.52
↑ 0.65 ₹323 1.7 3.4 6.4 6.9 6.6 6.4% 1M 18D 1M 18D JM Liquid Fund Growth ₹76.4422
↑ 0.02 ₹2,849 1.7 3.3 6.3 6.8 6.4 6.27% 2M 3D 2M 7D Axis Liquid Fund Growth ₹3,125.35
↑ 0.74 ₹56,438 1.7 3.4 6.5 6.9 6.6 6.47% 2M 5D 2M 5D Aditya Birla Sun Life Liquid Fund Growth ₹452.078
↑ 0.12 ₹68,800 1.7 3.4 6.4 6.9 6.5 6.49% 2M 5D 2M 5D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Sep 26 Research Highlights & Commentary of 5 Funds showcased
Commentary PGIM India Insta Cash Fund Indiabulls Liquid Fund JM Liquid Fund Axis Liquid Fund Aditya Birla Sun Life Liquid Fund Point 1 Bottom quartile AUM (₹787 Cr). Bottom quartile AUM (₹323 Cr). Lower mid AUM (₹2,849 Cr). Upper mid AUM (₹56,438 Cr). Highest AUM (₹68,800 Cr). Point 2 Established history (19+ yrs). Established history (14+ yrs). Oldest track record among peers (28 yrs). Established history (16+ yrs). Established history (22+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.41% (lower mid). 1Y return: 6.38% (bottom quartile). 1Y return: 6.27% (bottom quartile). 1Y return: 6.46% (top quartile). 1Y return: 6.41% (upper mid). Point 6 1M return: 0.54% (bottom quartile). 1M return: 0.54% (lower mid). 1M return: 0.55% (upper mid). 1M return: 0.55% (top quartile). 1M return: 0.54% (bottom quartile). Point 7 Sharpe: 2.48 (lower mid). Sharpe: 2.53 (upper mid). Sharpe: 2.06 (bottom quartile). Sharpe: 2.57 (top quartile). Sharpe: 2.40 (bottom quartile). Point 8 Information ratio: 1.02 (upper mid). Information ratio: 1.19 (top quartile). Information ratio: 0.08 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.34% (bottom quartile). Yield to maturity (debt): 6.40% (lower mid). Yield to maturity (debt): 6.27% (bottom quartile). Yield to maturity (debt): 6.47% (upper mid). Yield to maturity (debt): 6.49% (top quartile). Point 10 Modified duration: 0.16 yrs (upper mid). Modified duration: 0.13 yrs (top quartile). Modified duration: 0.18 yrs (lower mid). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.18 yrs (bottom quartile). PGIM India Insta Cash Fund
Indiabulls Liquid Fund
JM Liquid Fund
Axis Liquid Fund
Aditya Birla Sun Life Liquid Fund
Ultra Short Term Funds
These funds invest in a combination of debt instruments like treasury bills, commercial papers, certificate of deposits, and corporate bonds. The funds have a lower residual maturity, ranging from 6 months to 1 year. Ultra Short Term fund offer good returns with very less market Volatility. Newbie investors who are looking for better returns than Liquid Funds should prefer investing in these funds, as they provide better returns than liquid funds. Here are the top 5 best ultra-short term funds.
The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents. Research Highlights for Aditya Birla Sun Life Savings Fund Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (Erstwhile SBI Magnum InstaCash Fund) To provide the investors an opportunity to earn returns through investment in
debt & money market securities, while having the benefit of a very high degree of liquidity. Research Highlights for SBI Magnum Ultra Short Duration Fund Below is the key information for SBI Magnum Ultra Short Duration Fund Returns up to 1 year are on (Erstwhile Invesco India Medium Term Bond Fund) The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. Research Highlights for Invesco India Ultra Short Term Fund Below is the key information for Invesco India Ultra Short Term Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Regular Income Fund) The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. Research Highlights for ICICI Prudential Ultra Short Term Fund Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on (Erstwhile Kotak Treasury Advantage Fund) The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved. Research Highlights for Kotak Savings Fund Below is the key information for Kotak Savings Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹590.145
↑ 0.18 ₹18,189 2 3.3 6.3 7.2 7.4 7.45% 5M 26D 6M 18D UTI Ultra Short Term Fund Growth ₹4,539.39
↑ 1.56 ₹3,444 1.9 3.2 6 6.7 6.6 7.13% 5M 20D 6M 23D BOI AXA Ultra Short Duration Fund Growth ₹3,382.75
↑ 1.02 ₹168 1.8 3.3 5.9 6.4 6.5 6.7% 4M 28D 5M 1D Indiabulls Ultra Short Term Fund Growth ₹2,021.64
↑ 0.84 ₹18 0.8 1.5 4.2 6.2 3.23% 1D 1D ICICI Prudential Ultra Short Term Fund Growth ₹29.7737
↑ 0.01 ₹15,455 2 3.3 6.3 7 7.1 7.17% 5M 8D 6M 18D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Sep 26 Research Highlights & Commentary of 5 Funds showcased
Commentary Aditya Birla Sun Life Savings Fund UTI Ultra Short Term Fund BOI AXA Ultra Short Duration Fund Indiabulls Ultra Short Term Fund ICICI Prudential Ultra Short Term Fund Point 1 Highest AUM (₹18,189 Cr). Lower mid AUM (₹3,444 Cr). Bottom quartile AUM (₹168 Cr). Bottom quartile AUM (₹18 Cr). Upper mid AUM (₹15,455 Cr). Point 2 Oldest track record among peers (23 yrs). Established history (23+ yrs). Established history (18+ yrs). Established history (14+ yrs). Established history (15+ yrs). Point 3 Top rated. Rating: 4★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderate. Point 5 1Y return: 6.35% (top quartile). 1Y return: 5.97% (lower mid). 1Y return: 5.93% (bottom quartile). 1Y return: 4.17% (bottom quartile). 1Y return: 6.27% (upper mid). Point 6 1M return: 0.56% (upper mid). 1M return: 0.57% (top quartile). 1M return: 0.53% (bottom quartile). 1M return: 0.24% (bottom quartile). 1M return: 0.56% (lower mid). Point 7 Sharpe: 0.81 (upper mid). Sharpe: 0.35 (bottom quartile). Sharpe: 0.30 (bottom quartile). Sharpe: 0.98 (top quartile). Sharpe: 0.81 (lower mid). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 7.45% (top quartile). Yield to maturity (debt): 7.13% (lower mid). Yield to maturity (debt): 6.70% (bottom quartile). Yield to maturity (debt): 3.23% (bottom quartile). Yield to maturity (debt): 7.17% (upper mid). Point 10 Modified duration: 0.49 yrs (bottom quartile). Modified duration: 0.47 yrs (bottom quartile). Modified duration: 0.41 yrs (upper mid). Modified duration: 0.00 yrs (top quartile). Modified duration: 0.44 yrs (lower mid). Aditya Birla Sun Life Savings Fund
UTI Ultra Short Term Fund
BOI AXA Ultra Short Duration Fund
Indiabulls Ultra Short Term Fund
ICICI Prudential Ultra Short Term Fund
1. Aditya Birla Sun Life Savings Fund
Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (01 Sep 26) ₹590.145 ↑ 0.18 (0.03 %) Net Assets (Cr) ₹18,189 on 31 Jul 26 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.57 Sharpe Ratio 0.81 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.45% Effective Maturity 6 Months 18 Days Modified Duration 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,392 31 Aug 23 ₹11,106 31 Aug 24 ₹11,931 31 Aug 25 ₹12,877 31 Aug 26 ₹13,697 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 26 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 3.3% 1 Year 6.3% 3 Year 7.2% 5 Year 6.5% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7.9% 2022 7.2% 2021 4.8% 2020 3.9% 2019 7% 2018 8.5% 2017 7.6% 2016 7.2% 2015 9.2% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 12.12 Yr. Kaustubh Gupta 15 Jul 11 15.06 Yr. Monika Gandhi 22 Mar 21 5.36 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 44.74% Debt 55.26% Debt Sector Allocation
Sector Value Corporate 62.79% Cash Equivalent 21.61% Government 15.59% Credit Quality
Rating Value AA 33.23% AAA 66.77% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -4% ₹846 Cr 85,000,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -4% ₹736 Cr 15,300 Shriram Finance Limited
Debentures | -3% ₹532 Cr 52,500 Vedanta Limited
Debentures | -2% ₹451 Cr 44,500
↑ 12,000 HDFC Bank Ltd.
Debentures | -2% ₹447 Cr 9,000
↑ 9,000 Bharti Telecom Limited
Debentures | -2% ₹397 Cr 40,000 Muthoot Finance Limited
Debentures | -2% ₹324 Cr 32,500
↓ -2,500 Mankind Pharma Limited
Debentures | -2% ₹321 Cr 32,000 Avanse Financial Services Limited
Debentures | -1% ₹299 Cr 30,000 Piramal Finance Limited
Debentures | -1% ₹281 Cr 28,000
↓ -500 2. SBI Magnum Ultra Short Duration Fund
SBI Magnum Ultra Short Duration Fund
Growth Launch Date 21 May 99 NAV (01 Sep 26) ₹6,416.74 ↑ 1.80 (0.03 %) Net Assets (Cr) ₹11,165 on 31 Jul 26 Category Debt - Ultrashort Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.54 Sharpe Ratio 0.71 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7% Effective Maturity 8 Months 5 Days Modified Duration 4 Months 28 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,359 31 Aug 23 ₹11,046 31 Aug 24 ₹11,849 31 Aug 25 ₹12,721 31 Aug 26 ₹13,512 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 26 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 3.3% 1 Year 6.2% 3 Year 6.9% 5 Year 6.2% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7% 2023 7.4% 2022 7% 2021 4.5% 2020 3.4% 2019 5.9% 2018 8% 2017 7.9% 2016 6.6% 2015 7.7% Fund Manager information for SBI Magnum Ultra Short Duration Fund
Name Since Tenure Sudhir Agrawal 15 May 25 1.21 Yr. Data below for SBI Magnum Ultra Short Duration Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 103.58% Other 0.42% Debt Sector Allocation
Sector Value Corporate 56.25% Cash Equivalent 55.94% Credit Quality
Rating Value AA 21.86% AAA 78.14% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -7% ₹792 Cr 80,000,000 TATA Communications Limited
Debentures | -5% ₹550 Cr 55,000 Muthoot Finance Limited
Debentures | -3% ₹324 Cr 32,500 Adani Power Limited
Debentures | -3% ₹299 Cr 30,000 Avanse Financial Services Limited
Debentures | -2% ₹249 Cr 25,000 RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -2% ₹249 Cr 255 Muthoot Finance Limited
Debentures | -2% ₹199 Cr 20,000 Eris Lifesciences Limited
Debentures | -1% ₹150 Cr 15,000 TATA Motors Limited
Debentures | -1% ₹150 Cr 1,500 7.03% Chhattisgarh Sdl 2026
Sovereign Bonds | -1% ₹150 Cr 15,000,000 3. Invesco India Ultra Short Term Fund
Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (01 Sep 26) ₹2,894.55 ↑ 0.99 (0.03 %) Net Assets (Cr) ₹1,073 on 31 Jul 26 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio 0.56 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.03% Effective Maturity 5 Months 7 Days Modified Duration 5 Months 3 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,324 31 Aug 23 ₹10,972 31 Aug 24 ₹11,760 31 Aug 25 ₹12,620 31 Aug 26 ₹13,399 Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 26 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 3.4% 1 Year 6.2% 3 Year 6.9% 5 Year 6% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.8% 2023 7.5% 2022 6.6% 2021 4.1% 2020 3% 2019 5.1% 2018 7.6% 2017 7.3% 2016 7.1% 2015 9.1% Fund Manager information for Invesco India Ultra Short Term Fund
Name Since Tenure Krishna Cheemalapati 1 Jul 26 0.08 Yr. Vikas Garg 1 Jul 26 0.08 Yr. Data below for Invesco India Ultra Short Term Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 67.23% Debt 32.46% Other 0.31% Debt Sector Allocation
Sector Value Corporate 52.6% Cash Equivalent 30.46% Government 16.63% Credit Quality
Rating Value AA 11.76% AAA 88.24% Top Securities Holdings / Portfolio
Name Holding Value Quantity Pipeline Infrastructure Limited
Debentures | -5% ₹60 Cr 6,000,000
↑ 5,000,000 India (Republic of)
- | -4% ₹49 Cr 5,000,000 TVS Credit Services Limited
Debentures | -3% ₹40 Cr 4,000,000 India (Republic of)
- | -3% ₹39 Cr 4,000,000
↑ 4,000,000 Piramal Finance Limited
Debentures | -2% ₹25 Cr 2,500,000 Muthoot Finance Limited
Debentures | -2% ₹25 Cr 2,500,000
↑ 2,500,000 Rec Limited
Debentures | -2% ₹25 Cr 2,500,000 TATA Projects Limited
Debentures | -2% ₹25 Cr 2,500,000
↑ 2,500,000 360 One Prime Limited
Debentures | -2% ₹25 Cr 2,500,000 Torrent Power Limited
Debentures | -2% ₹25 Cr 2,500,000
↑ 2,500,000 4. ICICI Prudential Ultra Short Term Fund
ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (01 Sep 26) ₹29.7737 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹15,455 on 31 Jul 26 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.8 Sharpe Ratio 0.81 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Months (0.5%),1 Months and above(NIL) Yield to Maturity 7.17% Effective Maturity 6 Months 18 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,380 31 Aug 23 ₹11,069 31 Aug 24 ₹11,869 31 Aug 25 ₹12,755 31 Aug 26 ₹13,556 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 26 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 3.3% 1 Year 6.3% 3 Year 7% 5 Year 6.3% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.1% 2023 7.5% 2022 6.9% 2021 4.5% 2020 4% 2019 6.5% 2018 8.4% 2017 7.5% 2016 6.9% 2015 9.8% Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 9.71 Yr. Ritesh Lunawat 15 Jun 17 9.13 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 83.62% Debt 16.07% Other 0.31% Debt Sector Allocation
Sector Value Corporate 61.01% Cash Equivalent 48.58% Credit Quality
Rating Value AA 19.81% AAA 80.19% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -3% ₹497 Cr 50,000,000 Small Industries Development Bank Of India
Debentures | -2% ₹351 Cr 35,000 Vedanta Limited
Debentures | -2% ₹343 Cr 34,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹326 Cr 32,500 6.17% Govt Stock 2028
Sovereign Bonds | -2% ₹310 Cr 30,773,600 India (Republic of)
- | -2% ₹297 Cr 30,000,000 RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -2% ₹271 Cr 275 Muthoot Finance Limited
Debentures | -2% ₹251 Cr 25,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹251 Cr 25,000
↑ 10,000 AU Small Finance Bank Ltd.
Debentures | -2% ₹244 Cr 5,000 5. Kotak Savings Fund
Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (01 Sep 26) ₹45.9434 ↑ 0.02 (0.03 %) Net Assets (Cr) ₹15,708 on 31 Jul 26 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.81 Sharpe Ratio 0.4 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.23% Effective Maturity 6 Months 22 Days Modified Duration 5 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,357 31 Aug 23 ₹11,036 31 Aug 24 ₹11,807 31 Aug 25 ₹12,658 31 Aug 26 ₹13,421 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Sep 26 Duration Returns 1 Month 0.5% 3 Month 1.9% 6 Month 3.2% 1 Year 6% 3 Year 6.7% 5 Year 6.1% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.8% 2023 7.2% 2022 6.8% 2021 4.5% 2020 3.2% 2019 5.8% 2018 7.8% 2017 7.4% 2016 6.7% 2015 8.2% Fund Manager information for Kotak Savings Fund
Name Since Tenure Deepak Agrawal 3 Aug 26 0 Yr. Manu Sharma 3 Aug 26 0 Yr. Data below for Kotak Savings Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 57.22% Debt 42.48% Other 0.3% Debt Sector Allocation
Sector Value Corporate 56.74% Cash Equivalent 23.7% Government 19.27% Credit Quality
Rating Value AA 18.26% AAA 81.74% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹577 Cr 57,500 India (Republic of)
- | -3% ₹511 Cr 52,490,600
↑ 52,490,600 Tamil Nadu (Government of) 0.0654%
- | -3% ₹448 Cr 45,000,000 6.9% Maharashtra Sgs 2030
Sovereign Bonds | -2% ₹301 Cr 30,000,000 Mankind Pharma Limited
Debentures | -2% ₹301 Cr 30,000 Muthoot Finance Limited
Debentures | -2% ₹299 Cr 30,000 RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -1% ₹205 Cr 210 Vedanta Aluminium Metal Limited
Debentures | -1% ₹201 Cr 20,000 TATA Projects Limited
Debentures | -1% ₹200 Cr 20,000
↑ 20,000 National Bank For Agriculture And Rural Development
Debentures | -1% ₹200 Cr 20,000
Frequently Asked Questions
1. How can I choose the best fund?
A. The investment choice is based upon a variety of factors, like the fund managers, historical returns, fees and loads, investment style, investment objective, investment horizon and more. Thus, to pick the best fund, make sure you analyze every important factor cautiously before moving ahead.
2. What is the appropriate investment type that has the lowest risk?
A. Because of the unpredictable situation of the economy and the availability of varying investment options, it is quite difficult to evaluate a safe option. However, some of the options that you can consider include bank fixed deposits, municipal bonds, certificate of deposits, and more.
3. What is the use of a mutual fund calculator?
A. The mutual fund calculator offers an investment value at maturity by evaluating the returns according to the investment horizon. You can set different variables of the calculator, like duration, anticipated return rate, frequency, investment amount and more to figure out your benefits.
4. How much can I invest?
A. The amount mainly depends upon your requirements, budget and objectives of the investment. However, keep in mind that you only invest the surplus money, irrespective of the amount.
5. Is there a right time to invest?
A. There is no right time to invest. For better and best returns, it is recommended that you should start investing right away.
6. Do I need a bank account to invest in mutual funds?
A. Yes, it is necessary to have a bank account with KYC/cKYC, aadhaar card and PAN Card to invest in mutual funds.
7. Is it necessary to contact a fund manager?
A. Yes! When investing in mutual funds, experience plays a major role so as to generate good performance. The more the experience, the better will be the possibility of gaining the best returns. Thus, make sure that you get in touch with an experienced fund manager.
8. Can I withdraw my invested money?
A. Most of the schemes in a mutual fund are open-end schemes. This allows you to withdraw the entire invested amount at any point in time. However, there could be a few situations where you may experience restrictions.
9. Would I have to pay any penalty if I withdraw early?
A. If you have invested in open-end schemes, you may not have to pay the penalty. However, some schemes might not be as liquid as the others. So, you will have to re-check this factor before investing.
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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It was very valuable useful messages messagesThankyou
Very Good
good information on funds. appreciated!!!