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Two funds walk into a table. Only the numbers talk.

Kotak Ultra Short Term Fund vs Nippon India Ultra Short Term Fund

Pick two or three funds. We’ll tell you in plain words which grew faster, which was calmer, which costs less and what your money would have become. Figures are for the Direct plan, Growth option, where a fund has one.

  • Kotak Ultra Short Term Fund
  • Nippon India Ultra Short Term Fund

The short version

Who comes out ahead on each measure, over the 5 years all of them have been around.

  • Grew faster

    BNippon India Ultra Short Term Fund

    Nippon India Ultra Short Term Fund returned 7.1% a year over 5 years, against 6.6% for Kotak Ultra Short Term Fund. ₹1 lakh invested 5 years ago would be about ₹1.41 Lakh today, against ₹1.38 Lakh.

  • Fell less in a crash

    AKotak Ultra Short Term Fund

    At its worst, Kotak Ultra Short Term Fund fell 0.9% from its peak, against 5.2% for Nippon India Ultra Short Term Fund. On ₹1 lakh, that's a dip to ₹94,758 at the bottom for Nippon India Ultra Short Term Fund. Could you have held on?

What your money would have become

The same amount, put into each fund on the same day.

₹10k₹13.8kNov 2021Nov 2026

The dashed line is the ₹10,000 you put in. Above it is profit, below it is loss.

  • AKotak Ultra Short Term Fund₹13,787 from ₹10,000(6.7% a year)
  • BNippon India Ultra Short Term Fund₹14,045 from ₹10,000(7.1% a year)

A one-time ₹10,000 put in 5 years ago, valued at the latest NAV. This is what happened, not what will.

Strengths and watch-outs

Each fund judged against its own category, and against a 5-year SBI FD at 6.05%.

AKotak Ultra Short Term Fund

  • Strength: Fell less than its category in the worst crash
  • Strength: Low cost: 0.36% a year

BNippon India Ultra Short Term Fund

  • Strength: In the top quarter of its category over 5 years (#1 of 22)
  • Strength: Beat a 5-year SBI FD: 7.1% a year over 5 years, against 6.05%
  • Strength: Low cost: 0.34% a year
  • Watch out: Fell harder than its category in the worst crash

All the numbers

The stronger figure in each row is marked Best. Under each return is the fund’s rank in its category and the category average.

Kotak Ultra Short Term Fund compared with Nippon India Ultra Short Term Fund
MeasureAKotak Ultra Short Term FundBNippon India Ultra Short Term Fund
ReturnsHow much the fund grew. Beyond a year, this is per year (annualised).
1 yearLast 12 months, the most noisy figure6.4%#20 of 25 · avg 6.4%6.9%Best#2 of 25 · avg 6.4%
3 yearsPer year, over a full market mood swing7.2%#15 of 23 · avg 7.2%7.5%Best#1 of 23 · avg 7.2%
5 yearsPer year, the fairest single test6.6%#12 of 22 · avg 6.6%7.1%Best#1 of 22 · avg 6.6%
10 yearsPer year, across bull and bear markets6.7%#5 of 11 · avg 6.4%–
RiskHow bumpy the ride was. This is what decides whether you stay invested.
Ups and downsVolatility: how far it swings in a typical year. Lower is calmer0.4%category avg 0.4%0.4%Bestcategory avg 0.4%
Worst fallThe biggest drop from a peak in 10 years. Lower is better−0.9%Bestcategory avg −2.5%−5.2%category avg −2.5%
Best 12 monthsIts strongest year8.9%10.4%Best
Worst 12 monthsIts weakest year3.6%Best-0.1%
Odds of a gainShare of all 1-year holding periods that ended in profit100%Best100%
Cost and sizeThe fee comes out of your returns every year, whether the fund does well or not.
Expense ratioYearly fee. Lower keeps more for you0.36%0.34%Best
Fund sizeMoney managed (AUM). Neither better nor worse₹15,261 Cr₹11,551 Cr
Minimum SIPSmallest monthly amount₹100₹100
Lock-inTime before you can withdrawNoneNone

“Best” is not a recommendation: a fund that returned more usually took more risk to do it.

Which one fits you?

There is no best fund, only a better fit for what you need the money to do.

AKotak Ultra Short Term Fund

Might suit you if…

  • a smoother ride matters more to you than the top return

BNippon India Ultra Short Term Fund

Might suit you if…

  • you want the stronger long-run growth and can sit through sharper falls