{"id":240292,"date":"2026-09-10T11:24:27","date_gmt":"2026-09-10T05:54:27","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/"},"modified":"2026-09-10T11:24:27","modified_gmt":"2026-09-10T05:54:27","slug":"kotak-short-term-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/","title":{"rendered":"Kotak Short Term Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/kotak-short-term-fund-g-direct-plan\">Kotak Short Term Fund Direct Growth Plan<\/a> has a NAV of \u20b961.4406 as of 09 Sep 2026 and manages \u20b914,436 Cr. Its 1-year, 3-year and 5-year returns are 5.76%, 7.53% and 6.5%, and the fund carries a Balanced Risk profile. Our view is that it suits investors looking for a short-duration debt option with steady, not flashy, compounding and a portfolio built around high-quality corporate debt exposure.<\/p>\n<p>The fund\u2019s benchmark has been more uneven over the same horizons, while the portfolio mix suggests a fairly active credit and instrument-selection approach. That makes the fund more relevant for investors who can stay patient through mild swings and want a debt fund whose return pattern has held up better over medium and longer periods than in the recent one-year window.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Kotak_Short_Term\" title=\"Should you BUY or HOLD Kotak Short Term?\">Should you BUY or HOLD Kotak Short Term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/#What_is_the_current_NAV_of_Kotak_Short_Term_Fund_Direct_Growth_Plan\" title=\"What is the current NAV of Kotak Short Term Fund Direct Growth Plan?\">What is the current NAV of Kotak Short Term Fund Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/#How_has_Kotak_Short_Term_Fund_Direct_Growth_Plan_performed_over_1_year_3_years_and_5_years\" title=\"How has Kotak Short Term Fund Direct Growth Plan performed over 1 year, 3 years and 5 years?\">How has Kotak Short Term Fund Direct Growth Plan performed over 1 year, 3 years and 5 years?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/#How_does_the_fund_compare_with_its_benchmark\" title=\"How does the fund compare with its benchmark?\">How does the fund compare with its benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/#How_does_it_compare_with_the_peer_funds_listed_here\" title=\"How does it compare with the peer funds listed here?\">How does it compare with the peer funds listed here?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/#What_is_the_risk_category_of_this_fund\" title=\"What is the risk category of this fund?\">What is the risk category of this fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/#Who_manages_Kotak_Short_Term_Fund_Direct_Growth_Plan_and_what_does_the_portfolio_look_like\" title=\"Who manages Kotak Short Term Fund Direct Growth Plan, and what does the portfolio look like?\">Who manages Kotak Short Term Fund Direct Growth Plan, and what does the portfolio look like?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/kotak-short-term-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b961.4406 as of 09 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b914,436 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.39%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>01 Jan 2013<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9100<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Balanced Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Debt<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Deepak Agrawal, Abhishek Bisen<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Deepak Agrawal and Abhishek Bisen.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>0.16%<\/td>\n<td>-4.69%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.64%<\/td>\n<td>0.93%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>5.76%<\/td>\n<td>-7.16%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>7.53%<\/td>\n<td>6%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>6.5%<\/td>\n<td>5.87%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Short-term numbers show a clearer contrast than the longer horizon. Over 1 month and 3 months, the fund stayed positive while the benchmark was either negative or only modestly positive, which points to a steadier recent path than the index. The 1-year return also stands out because the fund remained in positive territory while the benchmark was negative.<\/p>\n<p>The 3-year and 5-year figures are closer, which tells us the fund has not relied only on a brief recent rebound. Its 3-year return of 7.53% is ahead of the benchmark, and its 5-year return of 6.5% is also ahead of the benchmark\u2019s 5.87%. That combination suggests the fund has delivered a slightly better medium-term compounding profile than the benchmark, even if the gap is not large.<\/p>\n<p>The pattern in the return path shows some unevenness, especially over the last year, but not a breakdown in longer-term behaviour. The fund has recovered from softer patches and remained relatively controlled compared with the benchmark\u2019s weaker recent stretch. For a debt fund, that matters because consistency across cycles is usually more important than one strong quarter.<\/p>\n<p>Overall, the recent trend looks better than the benchmark, while the 3-year and 5-year trend confirms that the fund has been able to compound steadily over time. That makes the current picture more about resilience than momentum.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Kotak_Short_Term\"><\/span>Should you BUY or HOLD Kotak Short Term?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Kotak Short Term? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/kotak-short-term-fund-g-direct-plan\">Kotak Short Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.76%<\/td>\n<td>7.53%<\/td>\n<td>6.5%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/tata-ultra-short-term-fund-g-direct-plan\">Tata Ultra Short Term Fund Direct Growth Plan<\/a><\/td>\n<td>7.11%<\/td>\n<td>7.55%<\/td>\n<td>6.77%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-ultra-short-term-fund-g-direct-plan\">Aditya Birla SL Ultra Short Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.79%<\/td>\n<td>7.53%<\/td>\n<td>6.76%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-short-term-fund-g-direct-plan\">ICICI Pru Short Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.6%<\/td>\n<td>7.93%<\/td>\n<td>7.19%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/mahindra-manulife-short-term-fund-g-direct-plan\">Mahindra Manulife Short Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.27%<\/td>\n<td>7.86%<\/td>\n<td>6.66%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/axis-short-term-fund-g-direct-plan\">Axis Short Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.23%<\/td>\n<td>7.86%<\/td>\n<td>6.82%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund\u2019s 1-year return is below each of the listed peers, so the recent picture is softer than the peer set here. That said, the 3-year return is close to the better short-term peers and the 5-year return is competitive, which shows that the longer view is less negative than the one-year number alone might suggest.<\/p>\n<p>Among the longer horizons, the fund trails the strongest 3-year and 5-year figures in the group, but it is not materially detached from them. The main message from the comparison is that recent performance has been more subdued than peers, while the medium-term and five-year record remains broadly in the same band. This is a more balanced long-run story than the one-year gap implies.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>7.44% National Bank for Agriculture &#038; Rural Development<\/td>\n<td>Corporate Debt<\/td>\n<td>4.18%<\/td>\n<\/tr>\n<tr>\n<td>7.75% LIC Housing Finance Ltd.**<\/td>\n<td>Corporate Debt<\/td>\n<td>3.43%<\/td>\n<\/tr>\n<tr>\n<td>7.59% Power Finance Corporation Ltd.**<\/td>\n<td>Corporate Debt<\/td>\n<td>3.29%<\/td>\n<\/tr>\n<tr>\n<td>Net Current Assets\/(Liabilities)<\/td>\n<td>Cash &#038; Cash Equivalents and Net Assets<\/td>\n<td>2.9%<\/td>\n<\/tr>\n<tr>\n<td>6.96% Mindspace Business Parks Reit(^)**<\/td>\n<td>Corporate Debt<\/td>\n<td>2.8%<\/td>\n<\/tr>\n<tr>\n<td>7.42% Small Industries Development Bank of India(^)**<\/td>\n<td>Corporate Debt<\/td>\n<td>2.75%<\/td>\n<\/tr>\n<tr>\n<td>7.06% Brookfield Reit**<\/td>\n<td>Corporate Debt<\/td>\n<td>2.73%<\/td>\n<\/tr>\n<tr>\n<td>7.48% National Bank for Agriculture &#038; Rural Development<\/td>\n<td>Corporate Debt<\/td>\n<td>2.69%<\/td>\n<\/tr>\n<tr>\n<td>7.53% National Bank for Agriculture &#038; Rural Development<\/td>\n<td>Corporate Debt<\/td>\n<td>2.63%<\/td>\n<\/tr>\n<tr>\n<td>8.12% Bajaj Finance Ltd.**<\/td>\n<td>Corporate Debt<\/td>\n<td>2.43%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The top 10 holdings account for approximately 29.83% of the portfolio.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/kotak-short-term-fund-g-direct-plan\">Kotak Short Term Fund Direct Growth Plan<\/a> page<\/p>\n<p>The largest holding is 7.44% National Bank for Agriculture &amp; Rural Development at 4.18%, which is meaningful but not dominant on its own. The tenth holding is 8.12% Bajaj Finance Ltd.** at 2.43%, so the drop from the largest position to the tenth is moderate rather than sharp.<\/p>\n<p>That profile suggests the fund may not be leaning on one or two outsized bets. The displayed holdings are spread across multiple corporate debt issuers and one cash-and-net-assets line, which could help reduce dependence on any single line item. At the same time, the top 10 still account for 29.83% of the portfolio, so the visible layer is important even though it is far from the full picture.<\/p>\n<p>With 69 disclosed holdings in total and more names beyond the first ten, the fund appears to have a long tail outside the largest positions. That means the biggest holdings are likely to influence returns, but they sit inside a broader, more diversified disclosed book.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund fits investors who can accept a Balanced Risk profile and want a debt fund with a reasonably steady return pattern across 3-year and 5-year horizons. The one-year number is softer than the better peer readings, so it may suit people who are looking beyond a single weak year and can hold through some unevenness.<\/p>\n<p>The main trade-off is that the fund does not look like the most aggressive recent performer, but it has kept longer-term returns in a workable band and stayed ahead of the benchmark on the available 3-year and 5-year figures. That makes it more suitable for investors who value steadiness and medium-term compounding over short bursts of outperformance.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_Kotak_Short_Term_Fund_Direct_Growth_Plan\"><\/span>What is the current NAV of Kotak Short Term Fund Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b961.4406 as of 09 Sep 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_has_Kotak_Short_Term_Fund_Direct_Growth_Plan_performed_over_1_year_3_years_and_5_years\"><\/span>How has Kotak Short Term Fund Direct Growth Plan performed over 1 year, 3 years and 5 years?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Its returns are 5.76% over 1 year, 7.53% over 3 years and 6.5% over 5 years. That gives it a steadier longer-term picture than the recent one-year number alone suggests.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_the_fund_compare_with_its_benchmark\"><\/span>How does the fund compare with its benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It has outpaced the benchmark on 1-year, 3-year and 5-year figures. The benchmark returns are -7.16%, 6% and 5.87% for those same periods.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_it_compare_with_the_peer_funds_listed_here\"><\/span>How does it compare with the peer funds listed here?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund\u2019s 1-year return is below the listed peer funds, while its 3-year and 5-year returns remain broadly competitive. The recent gap is wider than the longer-term gap.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_risk_category_of_this_fund\"><\/span>What is the risk category of this fund?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund carries a Balanced Risk profile. That points to a debt-oriented option where consistency matters more than fast upside.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_manages_Kotak_Short_Term_Fund_Direct_Growth_Plan_and_what_does_the_portfolio_look_like\"><\/span>Who manages Kotak Short Term Fund Direct Growth Plan, and what does the portfolio look like?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is managed by Deepak Agrawal and Abhishek Bisen. The top disclosed holdings are spread across corporate debt and related cash lines, and the top 10 holdings account for 29.83% of the portfolio.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kotak Short Term Fund Direct Growth Plan has a mixed recent picture but a steadier medium- and long-term record. It trails the peer set on the 1-year return, yet its 3-year and 5-year figures remain competitive and ahead of the benchmark on the available horizons. The Balanced Risk profile and the spread across corporate debt holdings suggest a fund better suited to patient debt investors than to those chasing the strongest short-term number.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 10 September 2026 at 11:22 AM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Kotak Short Term Fund Direct Growth Plan\",\"identifier\":\"kotak-short-term-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":61.4406,\"valueReference\":\"as of 09 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"14436 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.39\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":5.76},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":7.53},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":6.5},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Deepak Agrawal, Abhishek Bisen\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Kotak Short Term Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b961.4406 as of 09 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"How has Kotak Short Term Fund Direct Growth Plan performed over 1 year, 3 years and 5 years?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its returns are 5.76% over 1 year, 7.53% over 3 years and 6.5% over 5 years. That gives it a steadier longer-term picture than the recent one-year number alone suggests.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has outpaced the benchmark on 1-year, 3-year and 5-year figures. The benchmark returns are -7.16%, 6% and 5.87% for those same periods.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with the peer funds listed here?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s 1-year return is below the listed peer funds, while its 3-year and 5-year returns remain broadly competitive. The recent gap is wider than the longer-term gap.\"}},{\"@type\":\"Question\",\"name\":\"What is the risk category of this fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund carries a Balanced Risk profile. That points to a debt-oriented option where consistency matters more than fast upside.\"}},{\"@type\":\"Question\",\"name\":\"Who manages Kotak Short Term Fund Direct Growth Plan, and what does the portfolio look like?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Deepak Agrawal and Abhishek Bisen. The top disclosed holdings are spread across corporate debt and related cash lines, and the top 10 holdings account for 29.83% of the portfolio.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kotak Short Term Fund Direct Growth Plan has a NAV of \u20b961.4406 as of 09 Sep 2026, a \u20b914,436 Cr AUM and 1Y\/3Y\/5Y returns of 5.76%\/7.53%\/6.5%.<\/p>\n","protected":false},"author":38,"featured_media":240286,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-240292","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["240286"],"rank_math_title":["Kotak Short Term Fund Direct Growth: NAV, Returns"],"rank_math_description":["Kotak Short Term Fund Direct Growth Plan NAV \u20b961.4406 as of 09 Sep 2026; 1Y return 5.76% and 5Y return 6.5%."],"rank_math_focus_keyword":["Kotak Short Term Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/Kotak_Short_Term_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/240292","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=240292"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/240292\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/240286"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=240292"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=240292"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=240292"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}