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Two Short duration funds side by side: returns, costs, size, risk and how much their portfolios overlap.
HDFC Short Term Fund vs Kotak Short Term Fund -, as of 9 Nov 2026: HDFC Short Term Fund NAV ₹35.57, 3Y CAGR 7.4%, expense ratio 0.39%; Kotak Short Term Fund - NAV ₹61.69, 3Y CAGR 7.3%, expense ratio 0.38%; about 20% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| HDFC Short Term Fund Direct Growth | Kotak Short Term Fund - Direct Growth | |
|---|---|---|
| Category | Short duration | Short duration |
| Fund house | HDFC Mutual Fund | Kotak Mahindra Mutual Fund |
| Plan | Direct Plan · Growth Option | Direct Plan · (Growth) |
| NAV | ₹35.57 (9 Nov 2026) | ₹61.69 (9 Nov 2026) |
| 1Y return | 4.8% | 4.9% |
| 3Y CAGR | 7.4% | 7.3% |
| 5Y CAGR | 6.6% | 6.5% |
| Since launch (CAGR) | 7.9% | 7.8% |
| Expense ratio | 0.39% | 0.38% |
| AUM | ₹14,013 cr | ₹13,989 cr |
| Risk-o-meter | Moderate | Moderate |
| Benchmark | CRISIL Short Duration Debt A-II Index | NIFTY Short Duration Debt Index A-II |
| Exit load | • In respect of each purchase/switch-in of units, an Exit load of 0. 25% is payable if units are redeemed/ switched out within 1 month from the date of allotment. • No Exit Load is payable if units are redeemed/ switched-out after 1 month from the date of allotment. | In terms of SEBI Circular No. SEBI/IMD/CIR No. 4/168230/09 dated June 30, 2009, no entry load will becharged on purchase / additional purchase / switch-in. The upfront commission, if any, on investmentmade by the investor shall be paid by the investor directly to the Distributor, based on his assessment ofvarious… |
| Minimum SIP | ₹100 | ₹100 |
| Holdings | 137 | 94 |
| Top 10 holdings weight | 22.6% | 31.1% |
| Portfolio overlap | About 20% 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 Short Term Fund has the higher 5-year CAGR (as of 9 Nov 2026): HDFC Short Term Fund 6.6% a year vs Kotak Short Term Fund - 6.5% a year. Past performance is not indicative of future results.
Kotak Short Term Fund - costs less: HDFC Short Term Fund charges 0.39% a year and Kotak Short Term Fund - 0.38% a year.
HDFC Short Term Fund is larger: HDFC Short Term Fund manages ₹14,013 cr and Kotak Short Term Fund - ₹13,989 cr (as of 9 Nov 2026).
About 20% of their portfolios overlap by weight (the smaller weight of each common holding, summed), from the latest disclosed holdings.
Both are rated "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