Debt Reckoner

As on Apr, 2026

Scheme Name	Current Scheme Positioning	Monthly AAUM (₹ Crs)	Current Portfolio Quality**	Ideal Investment Horizon	Key Differentiator	YTM %	Average Maturity (years)	Modified Duration (years)	Exit Load
Kotak Liquid Fund	Liquid	42,746.41	SOV : 18.82 AAA : 80.05 Cash/CBLO :1.12	7 days to month	Maturity < 91 days	6.34	0.14	0.14	Day 1 -0.0070% Day 2 -0.0065% Day 3 - 0.0060% Day 4 - 0.0055% Day 5 - 0.0050% Day 6 - 0.0045% Day 7 - 0.0000% Onwards
Kotak Money Market Fund	Money Market	33,661.37	SOV : 15.29 AAA : 83.07 Cash/CBLO : 1.64	3 to 6 months	Maturity < 1 year	6.84	0.65	0.65	Nil
Kotak Savings Fund	Ultra Short Duration	16,105.32	SOV : 16.30 AAA : 68.72 AA+ : 5.15 AA : 8.20 Cash/CBLO : 1.64	3 to 6 months	Macaulay Duration 3-6 months	7.12	0.55	0.49	Nil
Kotak Low Duration Fund	Low Duration	16,392.94	SOV : 11.52 AAA : 71.71 AA+ : 2.00 AA : 10.70 Cash/CBLO : 4.07	6 to 9 months	Macaulay Duration 6-12 months	7.26	1.20	0.91	Nil
Kotak Floating Rate Fund	Floating Rate	3,455.99	SOV : 12.24 AAA : 72.93 AA+ : 4.43 AA : 7.62 Cash/CBLO : 2.78	2 year & above	Average Maturity – Within 3-4 years	7.35	2.58	2.16	Nil
Kotak Corporate Bond Fund	Corporate Bond	17,568.38	SOV : 10.64 AAA : 86.04 Cash/CBLO : 3.32	1 to 1.5 year	80-100% corporate bond exposure in AA+ & above assets	7.29	4.16	3.16	Nil
Kotak Banking & PSU Debt Fund	Banking and PSU	5,408.68	SOV : 10.24 AAA : 83.79 AA+ : 2.70 Cash/CBLO : 3.27	2 to 3 years	Predominantly High quality Banking & PSU assets	7.17	4.04	3.40	Nil
Kotak Bond Short Term	Short Duration	17,274.52	SOV : 13.63 AAA : 83.23 Cash/CBLO : 3.14	1 year & above	Macaulay Duration 1-3 years	7.23	3.38	2.63	Nil
Kotak Credit Risk Fund	Credit Risk	710.69	SOV : 11.94 AAA : 12.97 AA+ : 1.56 AA : 50.45 A+/A-/A/Below : 9.92 Cash/CBLO : 13.15	2-3 years & above	Minimum 65% in below AA+ instruments	8.11	2.93	2.39	1% for 1 Year 6% of the initial investment within 1 year from the date of allotment: Nil.
Kotak Medium Term Fund	Medium Term (Accrual Strategy)	2,007.48	SOV : 11.01 AAA : 22.47 AA+ : 11.96 AA : 32.79 AA- : 2.14 A+/A-/A/Below : 6.98 Cash/CBLO : 12.66	2.5 years & above	Macaulay Duration 3-4 years (1-4 years when defensive)	8.09	4.53	3.23	Nil
Kotak Dynamic Bond Fund	Dynamic	2,619.14	SOV : 45.61 AAA : 21.53 AA+ : 15.97 AA : 3.62 Cash/CBLO : 13.27	2 years and above	Dynamic strategy- investment across duration	7.51	14.08	6.62	Nil
Kotak Bond Fund	Medium to Long Duration	1,907.51	SOV : 62.65 AAA : 34.36 Cash/CBLO : 2.99	2 to 3 years	Macaulay Duration 4-7 years (1-7 years when defensive)	7.42	12.62	6.73	Nil
Kotak Gilt Fund	Gilt	2,888.19	SOV : 98.09 Cash/CBLO : 1.91	2 year & above	Gilt Fund with Dynamic strategy, no cap on duration	7.45	22.59	10.32	Nil
Kotak Overnight Fund	Overnight	7,093.20	SOV : 3.87 Cash/CBLO : 96.13	1 day	One Day Maturity	5.06	2.45 (Days)	2.34 (Days)	Nil
Kotak Long Duration Fund	Long duration	116.60	SOV : 98.05 Cash/CBLO : 1.95	3 years & above	3 years & above	7.49	18.25	11.99	Nil

Scheme Name	Average Maturity (Years)
Kotak Liquid Fund	0.14
Kotak Money Market Fund	0.65
Kotak Savings Fund	0.55
Kotak Low Duration Fund	1.20
Kotak Floating Rate Fund	2.58
Kotak Corporate Bond Fund	4.16
Kotak Banking & PSU Debt Fund	4.04
Kotak Bond Short Term	3.38
Kotak Credit Risk Fund	2.93
Kotak Medium Term Fund	4.53
Kotak Dynamic Bond Fund	14.08
Kotak Bond Fund	12.62
Kotak Gilt Fund	22.59
Kotak Overnight Fund	2.45 (Days)
Kotak Long Duration Fund	18.25

Note: **AAA also includes A1+,A1+(SO), AAA(SO), IND AAA , Net current Assets, CBLO, Term Deposit and Rev repo. For Kotak Gilt Fund: Cash and Cash Equivalent is included under Gilt. For Liquid schemes ( Kotak Liquid Scheme and Kotak Money Market ) and Liquid plus schemes (Kotak Savings and Kotak Low Duration) T-bill is included in AAA. * The revised exit load shall be effective for all fresh investments (i.e. units allotted on purchases or switch-ins (including through systematic investments under existing enrolments/registrations) on or after October 20, 2019. ^ Total Expense Ratio is of Regular Plan ** Revised load structure is effective from May 13, 2020