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Kotak Liquid Fund - Latest NAV, Returns & Investment Guide | Allvest

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Discover Kotak Liquid Fund - Get latest NAV, performance, investment objective, fund manager details & expert analysis. Start investing with Allvest today!

Investment Objective and Approach

Kotak Liquid Fund is a debt scheme with the objective of providing reasonable returns with high level of liquidity. The scheme seeks to achieve the investment objective through investments in judicious mix of money market instruments, corporate bonds and sovereign securities.

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.

The fund follows a conservative approach focusing on high-quality, short-duration debt instruments to ensure capital preservation while generating reasonable returns. The fund achieves this by meticulously allocating assets across various debt instruments, such as bonds, debentures, and Government Securities, in addition to an array of money market instruments. Spreading investments across various maturities, it effectively manages risks associated with different issuers within the debt market. Furthermore, it remains open to investing in offshore securities and can tactically employ derivatives and hedging strategies, all within the boundaries set by SEBI and RBI.

Fund Managers

Deepak Agrawal is the Current Fund Manager of Kotak Liquid Direct Growth fund. Mr. Deepak Agrawal has been managing the fund since 01/05/2007. Deepak Agarwal is a Chartered Accountant and a post graduate in commerce from Mumbai University. He joined Kotak Mahindra AMC in the research and dealing department and later on moved to the fund management team.

Deepak Agarwal is a Chartered Account and Company Secretary while also holding a post-graduation degree in Commerce. He became part of the fund management team of KMAMC in November 2006. Prior to that, he was in the research and dealing department where he joined back in December 2002.

This scheme was launched on Invalid date and is currently managed by its fund managers Deepak Agrawal and Sunil Pandey. The fund benefits from experienced management with extensive expertise in debt markets and fixed income securities.

About the Fund House (AMC)

Kotak Mutual Fund stands as a significant player among India's AMCs, with Kotak Mahindra Asset Management Company Limited (KMAMC) serving as its designated asset manager. The ownership of the fund house rests with Kotak Mahindra Bank Limited, which commenced its mutual fund investment operations in June 1998. Boasting a substantial investor base exceeding 8.1 million, the fund house is the 5th largest based on its quarterly AUM as of March 2023.

Kotak Mutual Fund began its operations back in December 1998. It was the first AMC to offer a dedicated gilt fund for investing solely in Government securities. It provides mutual fund and portfolio management services under SEBI ('Mutual Funds') Regulations, 1996 and SEBI (Portfolio Manager) Regulations, 1993.

Key highlights of Kotak AMC:

- As of 31st March 2024, the asset under management of Kotak AMC is more than 3.81 lakh crores.

- As of June 30, 2025, we manage an average AUM of ₹5.57 lakh crores.

- KMAMC has 86 branches spread over 82 cities in India and has 25.9 lakh unique investors.

- Currently, the company offers around 261 schemes catering to the variable risk appetite of investors.

The AMC is part of the well-established Kotak Mahindra Group and maintains strong corporate governance standards with robust risk management processes.

Should I Invest in Kotak Liquid Fund?

Kotak Liquid Fund is suitable for conservative investors seeking capital preservation with modest returns. If you're an investor with a very short-term perspective, spanning a few days to about 6 months, the Kotak Liquid Fund could be apt for your needs. It's especially tailored for those seeking alternatives to traditional bank accounts or deposits.

Ideal for:

- Emergency fund parking

- Short-term surplus money management

- Investors seeking better returns than bank savings accounts

- Those requiring high liquidity with low risk

Key considerations:

- Liquid funds invest in bonds having maturity of up to three months. They are suitable to park the amount you have set aside to meet any emergency needs or any surplus money that you don't need for a few weeks up to a year. You can expect to earn better returns than what you would get from a bank account. The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital.

- Remember, these funds are geared to deliver only marginally higher returns than your bank account. They deliver steady, but low returns and are not suitable to build wealth in the long run.

Recent performance: Returns since inception 6.89%p.a. and Over the past five years, Kotak Liquid - Regular Plan has delivered an annualised return of 5.49% as of 25-Jul-2025.

FAQs

What is today's NAV of Kotak Liquid Fund?

The NAV varies between plans. Latest NAV for Kotak Liquid Fund is at ₹ 5281.26. Check your investment platform for the most current NAV.

What is the AUM of Kotak Liquid Fund?

The AUM (i.e. assets under management) of Kotak Liquid Fund is ₹42664.50 Cr as of 12th May 2025.

What is the expense ratio of Kotak Liquid Fund?

The expense ratio of Kotak Liquid Fund Plan is 0.20 as of 12th May 2025. Direct plans typically have lower expense ratios than regular plans.

What are the returns of Kotak Liquid Fund since inception?

It has delivered 6.84% returns since inception. Scheme Inception date is 04/11/2003.

What is the minimum SIP amount to invest in Kotak Liquid Fund?

Minimum SIP Investment is set to ₹100. This makes it accessible for small investors to start their investment journey.

How do I invest in Kotak Liquid Fund?

You can invest through Allvest's platform by selecting the fund, choosing your investment amount, and completing KYC requirements. Alternatively, you can invest directly through the fund house website or authorized distributors.

How to start a SIP in Kotak Liquid Fund?

Log into Allvest, select Kotak Liquid Fund, choose SIP option, set your monthly amount (minimum ₹100), select SIP date, and set up auto-debit from your bank account.

How do I automate an SIP in Kotak Liquid Fund?

Through Allvest, you can set up automated SIPs with mandate registration, allowing automatic deduction from your bank account on chosen dates without manual intervention each month.

How can I withdraw/redeem my investment in Kotak Liquid Fund?

You can redeem through Allvest's platform by selecting your holdings, choosing partial or full redemption, and submitting the request. Liquid funds typically process redemptions within 1-2 business days.