Meta Description

Invest in Kotak Low Duration Fund with low duration debt securities. Check NAV, returns, fund manager details, AUM & investment objective. Minimum SIP ₹100.

Investment Objective and Approach

The primary objective of the Scheme is to generate income through investment primarily in low duration debt & money market securities. The fund is an open ended low duration debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 6 months and 12 months. The scheme carries a relatively high interest rate risk and moderate credit risk.

The fund focuses on low duration securities with portfolio Macaulay duration strategically maintained between 6-12 months. This approach aims to balance income generation with managed interest rate exposure. The scheme invests primarily in debt and money market instruments including corporate bonds, government securities, and commercial papers within the specified duration range.

The scheme has exposure to floating rate instruments and/or interest rate derivatives, where the duration of these instruments is linked to the interest rate reset period. The interest rate risk in a floating rate instrument or in a fixed rate instrument hedged with derivatives is likely to be lesser than that in an equivalent maturity fixed rate instrument. Under some market circumstances the volatility may be of an order greater than what may ordinarily be expected considering only its duration. Hence investors are recommended to consider the unadjusted portfolio maturity of the scheme as well and exercise adequate due diligence when deciding to make their investments.

Fund Managers

The fund is professionally managed by an experienced team of fund managers:

Deepak Agrawal (Lead Fund Manager)

- Managing the fund since February 1, 2015

- Post Graduate in Commerce from Mumbai University, Chartered Accountant, Company Secretary and CFA

- Career started from Kotak AMC when he joined the organization in December 2002 where he was initially in Research, Dealing and then moved into Fund Management from November 2006

- Currently manages 12 funds & All FMPs of Kotak Mahindra Mutual Fund

Manu Sharma (Co-Fund Manager)

- Managing the fund since November 1, 2022

- M.Com and CA qualification with over 17 years of experience in fields of Fixed Income Fund Management, Operations, Finance Audit and Taxation

- Has over 17 years of experience in the fields of Fixed Income Fund Management, Operations, Finance Audit and Taxation. He joined Kotak AMC from Deskera Systems in September 2019 and was based out of Bangalore/Singapore for one year. Prior to it Mr. Manu was with Kotak AMC since September 2006 to June 2018 and has handled major assignments like the Fund Management, Operations and Finance for the KotakAMC.

About the Fund House (AMC)

Kotak Mahindra Asset Management Company Limited is a prominent player in India's mutual fund industry. 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.

Key Highlights of Kotak Mutual Fund:

- 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

- As of December 2023, Kotak Mutual Fund manages an impressive AUM of Rs. 353913 crores

- Strong track record with experienced fund management team

- Comprehensive product suite across equity, debt, and hybrid categories

- Backed by Kotak Mahindra Bank's financial strength and credibility

The AMC has established itself as a reliable fund house with consistent performance across various market cycles and maintains strong governance standards in fund management.

Should I Invest in Kotak Low Duration Fund?

Suitable For:

- Investors seeking regular income with moderate risk

- Those looking for better returns than traditional savings accounts with low volatility

- Investors with investment horizon of 6 months to 2 years

- Portfolio diversification for conservative investors

Key Considerations:

- The Kotak Low Duration Fund Direct Growth is rated Low to Moderate risk

- Minimum investment requirements are accessible with Minimum SIP Investment is set to ₹100. Minimum Lumpsum Investment is ₹100

- Over the past five years, Kotak Low Duration Fund - Standard Plan has delivered an annualised return of 5.70% as of 22-Jul-2025

Risk Factors:

- Interest rate risk due to duration exposure

- Credit risk from underlying securities

- No guaranteed returns or capital protection

- Performance may be affected by market volatility

The fund is ideal for conservative investors seeking steady income with relatively lower risk compared to longer duration debt funds. However, investors should assess their risk tolerance and investment objectives before investing.

FAQs

What is today's NAV of Kotak Low Duration Fund?

The NAV changes daily. You can check the current NAV on Allvest platform or the fund house website for real-time updates.

What is the AUM of Kotak Low Duration Fund?

The fund currently has an Asset Under Management(AUM) of ₹5,41,199 Cr as of 21 Jul 2025

What is the expense ratio of Kotak Low Duration Fund?

The Expense Ratio of Kotak Low Duration Fund is 1.18% for regular plan and lower for direct plan.

What are the returns of Kotak Low Duration Fund since inception?

Scheme Inception date is March 06, 2008 Returns vary across different time periods and can be checked on Allvest for updated performance data.

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

The minimum SIP amount of Kotak Low Duration Fund is ₹100

How do I invest in Kotak Low Duration Fund?

You can invest through Allvest platform by selecting the fund, choosing investment amount, and completing KYC requirements. Online investment is quick and paperless.

How to start a SIP in Kotak Low Duration Fund?

Visit Allvest platform, search for Kotak Low Duration Fund, select SIP option, set investment amount and date, complete payment setup to start automated investments.

How do I automate an SIP in Kotak Low Duration Fund?

Through Allvest's auto-invest feature, you can set up automatic SIP investments at regular intervals without manual intervention each month.

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

Login to Allvest platform, go to your portfolio, select the fund, choose redemption amount, and submit request. Redemption proceeds are typically credited within 1-3 business days.