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Two Money market funds side by side: returns, costs, size, risk and how much their portfolios overlap.
HDFC Money Market Fund vs Kotak Money Market Fund -, as of 9 Nov 2026: HDFC Money Market Fund NAV ₹6,358.70, 3Y CAGR 7.3%, expense ratio 0.22%; Kotak Money Market Fund - NAV ₹4,945.34, 3Y CAGR 7.3%, expense ratio 0.16%; about 26% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| HDFC Money Market Fund Direct Growth | Kotak Money Market Fund - Direct Growth | |
|---|---|---|
| Category | Money market | Money market |
| Fund house | HDFC Mutual Fund | Kotak Mahindra Mutual Fund |
| Plan | Direct Plan · Growth Option | Direct Plan · (Growth) |
| NAV | ₹6,358.70 (9 Nov 2026) | ₹4,945.34 (9 Nov 2026) |
| 1Y return | 6.5% | 6.5% |
| 3Y CAGR | 7.3% | 7.3% |
| 5Y CAGR | 6.8% | 6.8% |
| Since launch (CAGR) | 7.3% | 7.2% |
| Expense ratio | 0.22% | 0.16% |
| AUM | ₹28,555 cr | ₹26,704 cr |
| Risk-o-meter | Moderate | Low to Moderate |
| Benchmark | CRISIL Money Market A-I Index | CRISIL Money Market A-I Index |
| Minimum SIP | ₹100 | ₹100 |
| Holdings | 119 | 110 |
| Top 10 holdings weight | 28.5% | 28.2% |
| Portfolio overlap | About 26% 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 Money Market Fund has the higher 5-year CAGR (as of 9 Nov 2026): HDFC Money Market Fund 6.8% a year vs Kotak Money Market Fund - 6.8% a year. Past performance is not indicative of future results.
Kotak Money Market Fund - costs less: HDFC Money Market Fund charges 0.22% a year and Kotak Money Market Fund - 0.16% a year.
HDFC Money Market Fund is larger: HDFC Money Market Fund manages ₹28,555 cr and Kotak Money Market Fund - ₹26,704 cr (as of 9 Nov 2026).
About 26% of their portfolios overlap by weight (the smaller weight of each common holding, summed), from the latest disclosed holdings.
HDFC Money Market Fund is rated "Moderate" and Kotak Money Market Fund - "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