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Two Ultra short duration funds side by side: returns, costs, size, risk and how much their portfolios overlap.
HDFC Ultra Short to Short Term Fund vs Kotak Ultra Short Term Fund, as of 9 Nov 2026: HDFC Ultra Short to Short Term Fund NAV ₹68.00, 3Y CAGR 7.3%, expense ratio 0.46%; Kotak Ultra Short Term Fund NAV ₹48.90, 3Y CAGR 7.1%, expense ratio 0.36%; about 6% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| HDFC Ultra Short to Short Term Fund Direct Growth | Kotak Ultra Short Term Fund Direct Growth | |
|---|---|---|
| Category | Ultra short duration | Ultra short duration |
| Fund house | HDFC Mutual Fund | Kotak Mahindra Mutual Fund |
| Plan | Direct Plan · Growth Option | Direct Plan · Growth |
| NAV | ₹68.00 (9 Nov 2026) | ₹48.90 (9 Nov 2026) |
| 1Y return | 5.9% | 6.3% |
| 3Y CAGR | 7.3% | 7.1% |
| 5Y CAGR | 6.8% | 6.6% |
| Since launch (CAGR) | 7.6% | 7.4% |
| Expense ratio | 0.46% | 0.36% |
| AUM | ₹15,223 cr | ₹15,180 cr |
| Risk-o-meter | Low to Moderate | Low to Moderate |
| Benchmark | NIFTY Low Duration Debt Index A-I | NIFTY Ultra Short Duration Debt Index A-I |
| Exit load | Nil: there is no exit load. | ENTRY LOAD - Nil , EXIT LOAD - [1] For investment less than or equal to Rs. 10 lacs, For exit within 6 months: 0. 50% [2] For investment greater than Rs. 10 lacs : Nil |
| Minimum SIP | ₹100 | ₹100 |
| Holdings | 129 | 112 |
| Top 10 holdings weight | 34.3% | 26.5% |
| Portfolio overlap | About 6% by weight, from the latest disclosed holdings | |
Returns are point-to-point for each plan, after its expense ratio; periods over one year are CAGR. Past performance is not indicative of future results.
Open in the compare tool: growth charts, SIP outcomes and shared holdings →HDFC Ultra Short to Short Term Fund has the higher 5-year CAGR (as of 9 Nov 2026): HDFC Ultra Short to Short Term Fund 6.8% a year vs Kotak Ultra Short Term Fund 6.6% a year. Past performance is not indicative of future results.
Kotak Ultra Short Term Fund costs less: HDFC Ultra Short to Short Term Fund charges 0.46% a year and Kotak Ultra Short Term Fund 0.36% a year.
HDFC Ultra Short to Short Term Fund is larger: HDFC Ultra Short to Short Term Fund manages ₹15,223 cr and Kotak Ultra Short Term Fund ₹15,180 cr (as of 9 Nov 2026).
About 6% of their portfolios overlap by weight (the smaller weight of each common holding, summed), from the latest disclosed holdings.
Both are rated "Low to Moderate" on SEBI's risk-o-meter.
We don't give recommendations. Jivani Markets is not a SEBI-registered investment adviser or research analyst. Whether a fund suits you depends on your goals, horizon and risk appetite; speak to a SEBI-registered investment adviser or an AMFI-registered mutual fund distributor before investing.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future results.
Returns are for Direct plans, after expenses (TER is already in the NAV). Research, not advice: we do not say a fund suits you. Disclaimer