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Product scoring may vary based on gender, age, policy tenure and sum assured.
Gender
Male
Age Group
The lowest age in the selected range is considered for price evaluation (e.g., 25 - 29)
30 - 34
Sum Assured
₹ 1Cr
Debt • Liquid • Nifty Liquid Fund Index
Kotak Liquid Fund(G)-Direct Plan
1 Finance Rank:
05
051 Finance Score:
85100
Yield To Maturity Score
86
Quality & Diversification Score
97
Standard Deviation Score
78
Modified Duration Score
61
AUM Score
89
Historical Performance score
71
1 Finance Research updated as on March 2026 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 33,309 CrNAV
₹ —()Expense Ratio
0.19%(As on 31-May-2026)Investment Horizon
1 week to 1 month
05
Debt • Liquid • Nifty Liquid Fund Index
Kotak Liquid Fund(G)-Direct Plan
This fund ranks 5th out of 38 funds in its category.
AUM₹ 33,309 Cr
NAV₹ —()
Expense Ratio0.19%(As on 31-May-2026)
Investment Horizon1 week to 1 month
1 Finance Score: 85/100
Yield To Maturity Score
86
Quality & Diversification Score
97
Standard Deviation Score
78
Modified Duration Score
61
AUM Score
89
Historical Performance score
71
Fundamental Ratios
Modified Duration
7.64 yearsAverage Maturity
0.19 yearsYield To Maturity
7.64%Standard Deviation
0.01%Portfolio summary
Asset Allocation
Debt
Others
109.72%
-9.72%
Credit Rating
SOV
19.50%
AAA
1.48%
Others
79.02%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| 91 Days Treasury Bill - 28-May-2026 | 3.81% |
| 91 Days Treasury Bill - 14-May-2026 | 3.53% |
| 91 Days Treasury Bill - 22-May-2026 | 3.53% |
| 91 Days Treasury Bill - 04-Jun-2026 | 3.52% |
| National Bank For Agriculture & Rural Development - 91D (18-May-2026) | 2.35% |
*Portfolio summary is updated on April 2026.
*A strong-looking portfolio on paper may still clash with your needs. Make sure to align it with your needs and time horizon.
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
*1F Score is updated quarterly, expense ratio was updated on May 2026. CAGR is updated daily.
Pros and Cons
Pros
Potential for higher returns as the fund maintains a high Net Yield to Maturity (YTM).
Ability to significantly outperform benchmark returns.
High AUM often signifies stability and credibility, along with being well diversified.
Great track record of generating high returns by managing the portfolio dynamically.
The fund demonstrates a low level of volatility as the standard deviation is low.
Cons
This fund doesn't have any cons.
Should you invest?
Invest if you are :
- Those who need to access their cash quickly and want to park their money for a short period of time.
- Its ideal investment to create emergency funds.
- Those who wants to invest in equity funds through STP (Systematic Transfer Plan) should invest in this fund
Avoid if you are :
- Long term investors and high risk takers can avoid this scheme
*Most financial mistakes aren't about money — they're about personality. Find yours with MoneySign®
Taxation
If bought before April 1, 2023
- Less than or equal to 24 months: Short-Term Capital Gains (STCG) are taxed as per your applicable income tax slab.
- More than 24 months: Long-Term Capital Gains (LTCG) are taxed at 12.5% on gains.
If bought after April 1, 2023
- Taxed at applicable slab rates.
Scheme Details
Scheme Objective
- 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. There is no assurance that the investment objective of the Schemes will be realised.
Exit Load
- 0.007% for Day 1, 0.0065% on Day 2, 0.0060% on Day 3, 0.0055% on Day 4, 0.0050% on Day 5, 0.0045% on Day 6, NIL on or after 7D
Minimum investment amount
Lumpsum
₹ 1000 (open for subscription)
Other details
Founded In2013
Email Addressmutual@kotak.com
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Deepak Agrawal | 19 | 10 |
About Kotak MF
- Kotak Mutual Fund is a full-spectrum fund house offering a wide array of mutual fund products. It leverages strong research and robust distribution network to serve both retail and institutional investors.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more
We look where past returns don't
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Frequently Asked Questions
Are debt funds risk-free?
No, debt funds aren’t entirely risk-free. They may be less volatile than equities, but carry risks like changing interest rates, credit, liquidity, concentration, and prepayment. Hence, as an investor, it is crucial you personalise your portfolio based on your financial personality, which includes your risk comfort and time horizon of your financial goals.
Is a higher yield-to-maturity (YTM) always better?
Not necessarily in every case. A higher yield-to-maturity (YTM) often implies a bond having lower credit ratings, possessing higher default risk. You must weigh YTM against your portfolio quality and your time horizon.
What’s best for an emergency fund?
An emergency fund requires saving 3-6 months of expenses, meaning planning for short-term goals. While debt funds like overnight or liquid funds are usually the preferred options due to their strong liquidity benefits, it is imperative for you to choose a fund that aligns with your financial personality.
Who can invest in debt funds?
Debt funds are suitable for investors who prefer easy liquidity, want low-risk investments, or aim for capital preservation.
Are debt funds better than equity funds?
A mutual fund scheme is designed with a specific purpose. Equity funds are for capital appreciation, while debt funds focus on capital preservation. It depends entirely on your personal finance goals, risk tolerance, and investment horizon. Choosing between debt and equity funds must align with what you want to achieve financially.
Disclaimer
The Information in the scoring and ranking model is provided solely for general information and educational purposes and shall not constitute any advice or recommendation. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more