Kotak Liquid Fund Direct Growth

Kotak Liquid Fund Direct Growth

NAV as on 30-03-2025

₹ 5238.4

Inception Returns

6.8%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
323 people have invested ₹ 5.9Cr in Kotak Liquid Fund Direct Growth in the last three months

About Kotak Liquid Fund Direct Growth

Kotak Liquid Fund Direct Growth is a debt fund. This fund was started on 1 January, 2013. The fund is managed by Deepak Agrawal. This fund is suitable to keep your money safe.

Key Parameters

  1. Kotak Liquid Fund Direct Growth has ₹42358 Cr worth of assets under management (AUM) as on Dec 1969 and is more than category average.
  2. The fund has an expense ratio 0.2.

Returns

Kotak Liquid Fund Direct Growth has given a CAGR return of 6.84% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 7.43%, 6.79% and 5.47% respectively.

Holdings

Kotak Liquid Fund Direct Growth has allocated its funds majorly in Financial Services, Cash Equivalent, Corporate, Government. Its top holdings are 91 Days Tbill, Small Industries Development Bank of India, 91 Days Tbill, Punjab National Bank, Reliance Jio Infocomm Limited

Taxation

As it is a liquid mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of Kotak Liquid Fund Direct Growth

The investment objective of the Scheme is to provide reasonable returns and high level of liquidity by investing in debt instruments such as bonds, debentures and Government Securities; and money market instruments such as treasury bills, commercial paper, certificate of deposit, including repos in permitted securities of different maturities, so as to spread the risk across different kinds of issuers in the debt markets. The Scheme may invest in call money/term money market in terms of RBI guidelines in this respect. Subject to the maximum amount permitted from time to time, the Scheme may invest in offshore securities in the manner allowed by SEBI/RBI, provided such investments are in conformity with the investment objective of the Scheme and the prevailing guidelines and Regulations. To reduce the risk of the portfolio, the Scheme may also use various derivative and hedging products from time to time, in the manner permitted by SEBI.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 100.00 and for SIP is INR 0.00. Kotak Liquid Fund Direct Growth has no lock in period.

Kotak Liquid Fund Direct Growth Overview

Expense ratio0.2%
Benchmark
CRISIL Liquid Fund TR INR
AUM₹42358 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹100/--
Exit Load
0.0%
Lock InNo Lock-in
TurnOver
496.65%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Low to Moderate Risk

Trailing Returns

as on (30-Mar-25)

Period
Kotak Liquid Fund Direct Growth
Liquid Index
1M
0.7%
0.5%
3M
1.9%
1.5%
6M
3.6%
2.9%
1Y
7.4%
6.6%
3Y
6.8%
6.3%
5Y
5.5%
5.1%

Fund Distribution

as on (31-Dec-69)

  • Debt & Cash 99.8%

AAA
100%

Sector Allocation

Feb'25

Jan'25

Dec'24

Cash Equivalent
72.5%
Corporate
26.3%
Government
1.2%
All changes are between Oct'69 and Dec'69
Parameters
Feb'25
Jan'25
Dec'24
AUM
₹ 38.1K Cr
₹ 37.6K Cr
₹ 33.5K Cr
  • AUM of the fund stands at 38.1K Cr as of Feb'25
  • AUM increased by 500.4 Cr between Feb'25 and Jan'25
Top Stocks bought last month
National Bank For Agriculture And Rural Development's allocation increased from 1.36% to 1.56%
National Bank For Agriculture And Rural Development's allocation increased from 1.36% to 1.56%
Cash allocation has gone up from 99.8% to 99.8%
Cash allocation has gone up from 99.8% to 99.8%

Top 3 Sectors in February were Financial Services, Corporate & Government

Feb'25
Financial Services
100%
Corporate
26%
Government
1%
Jan'25
Financial Services
100%
Corporate
24%
Government
2%
  • Debt & Cash

Holdings
Weight%
1M Change
91 Days Tbill
91 Days Tbill
3.51%
0%
Small Industries Development Bank of India
Small Industries Development Bank of India
2.9%
100%
91 Days Tbill
91 Days Tbill
2.9%
0%
Punjab National Bank
Punjab National Bank
2.47%
0%
Reliance Jio Infocomm Limited
Reliance Jio Infocomm Limited
2.36%
0%
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Deepak Agrawal
Deepak Agrawal
Fund Manager of Kotak Liquid Fund Direct Growth, since 1 May 2007
Fund House
Kotak Mahindra Asset Management Co Ltd
Total Schemes
Total AUM
₹4.8L Cr
as on 28-Feb-2025
Address
Kotak Mahindra Asset management Company Limited,2nd Floor, 12-BKC, Plot No C-12,G Block, BKC, Bandra (East),Mumbai - 400 051
Phone
91-22-40930000
Website
fundaccops@kotakmutual.com

Mutual Fund Insights

Insights icon
In the last 5 years, Quant Liquid Plan Growth Option Direct Plan has given 5.84% return, outperforming this fund by 0.36% per annum.
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In the last 1 year, Sundaram Liquid Fund -Direct Plan - Growth Option has given 7.48% return, outperforming this fund by 0.05%.
Insights icon
This fund expense ratio is slightly on the lower side within the category (liquid). Its expense ratio is 0.2% which is lower than the category average expense ratio of 0.26%.
Insights icon
Over the last 3 months, this fund has experienced a 19.4% growth in AUM moving from 35.46K Cr to 42.35K Cr.
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In the last 3 years, Aditya Birla Sun Life Liquid Direct Plan Growth has given 6.86% return, outperforming this fund by 0.08% per annum.

Kotak Liquid Fund Direct Growth Highlights

Risk meter
pointer

Low to Moderate Risk

Investors understand that their principal will be at Low to Moderate Risk
About the fund

About the fund

This fund has delivered an average annual returns of 6.84% since inception which is more than its category average return of 4.99%
AUM size ₹42358 Cr

AUM size ₹42358 Cr

This fund has AUM of ₹42358 Cr which is more than its category average of ₹ 15212 Cr
Expense Ratio 0.2%

Expense Ratio 0.2%

This fund has an expense ratio of 0.2% which is less than its category average expense ratio of 0.23%

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1Y CAGR

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1Y CAGR

▲ 9.85

Kotak Long Duration Fund Direct Growth

Kotak Long Duration Fund Direct Growth

1Y CAGR

▲ 9.75

Kotak Gilt-Investment Fund Provident Fund and Trust - Growth - Direct

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5Y CAGR

▲ 7.42

Kotak Gilt-Investment Fund Growth - Direct

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5Y CAGR

▲ 7.42

Frequently Asked Questions for Kotak Liquid Fund Direct Growth

The current NAV of Kotak Liquid Fund Direct Growth is ₹5238.4 as on 30-Mar-2025.
Existing (Absolute + CAGR) as on 30-Mar-2025.
Kotak Liquid Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
0.67%
0.67%
6 Month Returns
3.6%
3.6%
1 Year Returns
7.43%
7.43%
3 Years Returns
21.77%
6.79%
5 Years Returns
30.53%
5.47%
With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.
0.2% as on March 2025
₹42358 Cr as on March 2025
91 Days Tbill(3.51%), Small Industries Development Bank of India(2.9%), 91 Days Tbill(2.9%), Punjab National Bank(2.47%), Reliance Jio Infocomm Limited(2.36%) as on March 2025
Cash Equivalent(73.42%), Corporate(20.75%), Government(5.83%) as on March 2025
Yield to Maturity is 7.26 as on March 2025. Yield to Maturity is the total return earned on your bond investments if you hold the bond investments till maturity & all bonds' proceeds are reinvested in it.
Modified Duration is 0.12 as on March 2025. Modified Duration tells the sensitivity of the price of a bond to a change in interest rate.
AAA
100
Deepak Agrawal is the fund manager of Kotak Liquid Fund Direct Growth
The Exit load of Kotak Liquid Fund Direct Growth is 0.01%