Canara Robeco Savings Fund Review: Plans, NAV, Returns and Portfolio Analysis 2026

Canara Robeco Savings Fund is a low duration fund offered by Canara Robeco Mutual Fund, available in Direct and Regular Plans across Daily IDCW, Weekly IDCW, Monthly IDCW, Growth and 1 more. The scheme aims to generate income by investing in debt and money market instruments such that the Macaulay duration of the portfolio stays between 6 months and 12 months. With multiple variants, Canara Robeco Savings Fund lets investors choose between different cost structures and payout approaches within the same base scheme.

This article reviews Canara Robeco Savings Fund across all its available plans and options, covering the latest NAV, expense ratio, portfolio approach, performance, exit load and investor suitability, based on publicly available data as of August 2026.

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Canara Robeco Savings Fund Plans and Options Available

Canara Robeco Savings Fund is offered across 10 scheme codes. The table below lists all available variants with ISIN codes and latest NAV figures.

Scheme Code	Plan	Option	ISIN (Growth / Payout)	ISIN (Reinvestment)	NAV (Rs)	NAV Date
118293	Direct Plan	Daily IDCW	-	INF760K01EM6	10.26	20-Jul-2026
118294	Direct Plan	Weekly IDCW	INF760K01ER5	INF760K01ES3	10.2721	20-Jul-2026
118295	Direct Plan	Monthly IDCW	INF760K01EN4	INF760K01EO2	10.3099	20-Jul-2026
118291	Direct Plan	Growth	INF760K01ET1	-	46.2424	20-Jul-2026
118292	Direct Plan	IDCW	INF760K01EP9	INF760K01EQ7	38.421	20-Jul-2026
104559	Regular Plan	Daily IDCW	-	INF760K01803	10.26	20-Jul-2026
102915	Regular Plan	Weekly IDCW	INF760K01CB3	INF760K01811	10.2718	20-Jul-2026
113144	Regular Plan	Monthly IDCW	INF760K01AM4	INF760K01AN2	10.3081	20-Jul-2026
102913	Regular Plan	Growth	INF760K01795	-	44.8711	20-Jul-2026
102914	Regular Plan	IDCW	INF760K01779	INF760K01787	37.3847	20-Jul-2026

Investment Objective and Portfolio Approach

Canara Robeco Savings Fund seeks to generate income by investing in debt and money market instruments such that the Macaulay duration of the portfolio stays between 6 months and 12 months.

In terms of portfolio construction, the scheme holds a diversified basket of money market and short term debt instruments targeting a Macaulay duration of 6 to 12 months.

Canara Robeco Savings Fund Performance and Returns

Canara Robeco Savings Fund has delivered returns that are dependent on the fund manager's portfolio decisions, market conditions and the expense ratio differential between plans; investors should check the latest factsheet for current figures. Performance across individual plans and options may vary slightly due to differing expense ratios and whether gains are paid out under the IDCW option or reinvested under the Growth option.

The Direct Plan of any mutual fund typically delivers a slightly higher return than the Regular Plan of the same scheme over time, since it charges a lower expense ratio by excluding distributor commission. Investors should review the latest scheme factsheet from the AMC for current performance figures.

Direct Plan vs Regular Plan: Key Differences in Canara Robeco Savings Fund

The Direct Plan of Canara Robeco Savings Fund is available for investors transacting directly with the AMC or through a registered investment advisor, and carries lower than the Regular Plan of the same scheme, since it excludes distributor commission. The Regular Plan carries not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener.

Over longer holding periods, the compounding effect of this cost difference can be meaningful, which is why cost conscious investors often prefer the Direct Plan when they are comfortable transacting without distributor support.

Growth Option vs IDCW Option in Canara Robeco Savings Fund

The Growth option of Canara Robeco Savings Fund reinvests any gains back into the scheme NAV, supporting long term wealth compounding for investors who do not need periodic payouts.

The IDCW option of Canara Robeco Savings Fund distributes available surplus to unit holders according to the chosen frequency, subject to the fund house declaring a distribution. Payouts under any IDCW option are not guaranteed and depend on distributable surplus.

Expense Ratio and Exit Load

The expense ratio for the Regular Plan of Canara Robeco Savings Fund is not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener, while the Direct Plan carries lower than the Regular Plan of the same scheme, since it excludes distributor commission. This is the annual fee deducted from the scheme's assets.

The exit load on Canara Robeco Savings Fund is typically Nil or a very small exit load for very short holding periods; investors should confirm in the scheme information document.

Who Should Consider the scheme

Conservative income seekers. The scheme suits investors looking for stable income with lower volatility than equity funds.

Medium term investors. A holding period matching the scheme's duration target is generally advisable for the scheme.

Investors stepping down risk. The scheme can be suitable for investors shifting from equity to debt as they approach a financial goal.

Key Risks in the scheme

Interest rate risk. The NAV of the scheme is sensitive to changes in interest rates and benchmark yields.

Credit risk. Debt holdings carry issuer credit risk, and any downgrade or default in the portfolio can affect NAV.

Reinvestment risk. Maturing bonds may need to be reinvested at lower yields in a falling interest rate environment.

How to Invest in Canara Robeco Savings Fund

Investors evaluating Canara Robeco Savings Fund should begin by deciding between the Direct and Regular Plan, and between the Growth option for long term compounding and the IDCW option for periodic payouts.

Completing KYC through a SEBI registered intermediary or the AMC portal is mandatory before investing for the first time. Investors who have existing KYC registration can proceed directly.

Investment in Canara Robeco Savings Fund can be made as a lump sum or through a Systematic Investment Plan of at least Rs 500 to Rs 1,000 lump sum for most low duration funds, followed by regular monitoring of NAV and portfolio composition at least quarterly.

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Conclusion

Canara Robeco Savings Fund is a low duration fund scheme from Canara Robeco Mutual Fund available across 10 plan and option variants, giving investors flexibility in cost structure and payout approach. The representative NAV of Rs 46.2424 for the Direct Plan Growth option as on 20-Jul-2026 reflects the scheme's performance since launch. Investors should review the latest scheme information document and consult a SEBI registered advisor before investing.

Frequently Asked Questions on Canara Robeco Savings Fund

What plans and options are available in Canara Robeco Savings Fund?

Ans. Canara Robeco Savings Fund is available in Direct and Regular Plans and Daily IDCW, Weekly IDCW, Monthly IDCW, Growth and 1 more, giving investors 10 scheme codes to choose from depending on cost preference and payout requirements.

What is the latest NAV of Canara Robeco Savings Fund?

Ans. The latest NAV of the Direct Plan Growth option of Canara Robeco Savings Fund is Rs 46.2424 as on 20-Jul-2026. NAVs for all plan and option variants are updated at the end of every business day.

What is the investment objective of Canara Robeco Savings Fund?

Ans. The primary objective of Canara Robeco Savings Fund is to generate income by investing in debt and money market instruments such that the Macaulay duration of the portfolio stays between 6 months and 12 months.

What is the difference between the Direct and Regular Plan in Canara Robeco Savings Fund?

Ans. The Direct Plan of Canara Robeco Savings Fund carries lower than the Regular Plan of the same scheme, since it excludes distributor commission, excluding distributor commission. The Regular Plan carries not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener. The lower cost of the Direct Plan can improve long term compounding.

What is the expense ratio of Canara Robeco Savings Fund?

Ans. The Regular Plan of Canara Robeco Savings Fund carries an expense ratio of not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener, and the Direct Plan carries lower than the Regular Plan of the same scheme, since it excludes distributor commission. The exact current figure can be confirmed in the latest AMC factsheet.

What is the exit load on Canara Robeco Savings Fund?

Ans. The exit load on Canara Robeco Savings Fund is typically Nil or a very small exit load for very short holding periods; investors should confirm in the scheme information document. Investors should confirm this in the current scheme information document before redeeming.

Who should invest in Canara Robeco Savings Fund?

Ans. Canara Robeco Savings Fund can suit investors whose financial goals, risk appetite and investment horizon align with the low duration fund category. Consult a SEBI registered advisor to assess personal suitability.

Is Canara Robeco Savings Fund a good investment?

Ans. Canara Robeco Savings Fund can be appropriate for investors who understand the low duration fund category mandate and are comfortable with the associated risk. Past performance does not guarantee future returns.