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Kotak Banking and PSU Debt Fund
Direct Plan · Growth · Kotak Mahindra Mutual Fund
Returns
Annualised (CAGR) returns for periods over a year.
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Rank in Category
| Period | This Fund | Category Avg. | Rank |
|---|---|---|---|
| 1W | +0.14% | +0.14% | 10 of 20 |
| 1M | -0.02% | +0.00% | 10 of 20 |
| 3M | +0.21% | +0.35% | 14 of 20 |
| 6M | +3.16% | +2.88% | 13 of 20 |
| YTD | +3.51% | +2.99% | 11 of 20 |
| 1Y | +5.02% | +3.99% | 5 of 20 |
| 2Y | +6.62% | +5.39% | 7 of 20 |
| 3Y | +7.35% | +5.87% | 4 of 19 |
| 5Y | +6.41% | +5.36% | 5 of 17 |
| 7Y | +6.96% | +5.67% | 5 of 15 |
| 10Y | +7.28% | +5.79% | 2 of 14 |
| INCEPTION | +8.02% | — | — |
Ranked among: Debt Scheme - Banking and PSU Fund.
Rolling Returns
| Period | Average | Best | Worst | Positive Periods | Consistency |
|---|---|---|---|---|---|
| 3M | +1.96% | +6.38% | -0.85% | 98% | 40% |
| 6M | +3.91% | +8.33% | -0.01% | 100% | 41% |
| 1Y | +7.97% | +12.67% | +2.71% | 100% | 43% |
| 2Y | +7.95% | +11.81% | +4.08% | 100% | 43% |
| 3Y | +7.88% | +10.29% | +5.06% | 100% | 43% |
| 5Y | +7.80% | +9.37% | +6.31% | 100% | 43% |
| 7Y | +7.92% | +9.60% | +6.97% | 100% | 43% |
| 10Y | +7.85% | +8.30% | +7.28% | 100% | 43% |
Rolling returns show the average, best and worst outcome an investor would have seen entering at any point in the window.
NAV History
AUM Trend (₹ Cr, quarterly average)
Expense Ratio Trend
Portfolio · Aug 2026
Asset Allocation
- Equity0.00%
- Debt95.90%
- Cash4.10%
- Other0.00%
Market Cap Split
- Large Cap0.00%
- Mid Cap0.00%
- Small Cap0.00%
- Others100.00%
Holdings · Aug 2026
| Holding | Sector | Weight | Change (1M) |
|---|---|---|---|
| Power Finance Corporation Ltd.(^)** | Debt | 6.67% | +0.01% |
| Triparty Repo | Reverse Repo / TREPS | 4.10% | — |
| NATIONAL BANK FOR FINANCING INFRASTRUCTURE AND DEVELOPMENT** | Debt | 4.02% | +0.02% |
| Power Grid Corporation of India Ltd.** | Debt | 3.26% | +0.01% |
| Net Current Assets/(Liabilities) | Money Market | 3.25% | — |
| HDFC BANK LTD.** | Debt | 3.09% | +0.02% |
| CANARA BANK** | Money Market | 2.95% | — |
| SBI-6.80%-21-8-35-PVT | Debt | 2.87% | -0.02% |
| INDIAN OIL CORPORATION LTD.** | Debt | 2.84% | -1.00% |
| REC LTD** | Debt | 2.64% | +0.02% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA** | Debt | 2.54% | +0.01% |
| NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT | Debt | 2.52% | +0.01% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA** | Debt | 2.51% | +0.01% |
| PFC-B-7.75%-11-6-30-PVT | Debt | 2.03% | +0.00% |
| Power Finance Corporation Ltd.** | Debt | 2.03% | +0.02% |
View all 64 holdings
| Export-Import Bank of India(^)** | Debt | 2.02% | +0.00% |
| NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT** | Debt | 2.02% | +0.01% |
| ICICI BANK LTD.(^)** | Debt | 1.99% | +0.02% |
| NATIONAL BANK FOR FINANCING INFRASTRUCTURE AND DEVELOPMENT** | Debt | 1.96% | +0.01% |
| UNION BANK OF INDIA- AT1 Bonds** | Debt | 1.95% | +0.02% |
| ICICI BANK LTD.(AT 1 Bonds)(^)** | Debt | 1.95% | -0.02% |
| 771GOI2066 | SOV | 1.94% | +0.00% |
| NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT | Debt | 1.72% | +0.02% |
| 690GOI65 | SOV | 1.65% | +0.00% |
| National Housing Bank(^)** | Debt | 1.59% | +0.00% |
| Food Corporation of India** | Debt | 1.52% | +0.01% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA** | Debt | 1.51% | +0.01% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA** | Debt | 1.50% | +0.00% |
| UNION BANK OF INDIA** | Money Market | 1.48% | — |
| BANK OF BARODA | Money Market | 1.48% | — |
| UNION BANK OF INDIA** | Money Market | 1.47% | — |
| INDIAN BANK** | Money Market | 1.44% | — |
| HDFC BANK LTD.** | Debt | 1.41% | +0.00% |
| Power Grid Corporation of India Ltd.** | Debt | 1.32% | -0.04% |
| REC LTD** | Debt | 1.24% | +0.01% |
| REC-6.45%-7-1-31-PVT | Debt | 1.17% | +0.00% |
| HDFC BANK LTD.** | Debt | 1.04% | +0.01% |
| INDIAN RAILWAY FINANCE CORPORATION LTD.** | Debt | 1.01% | +0.00% |
| INDIAN RAILWAY FINANCE CORPORATION LTD.** | Debt | 1.01% | +0.00% |
| Food Corporation of India** | Debt | 1.01% | +0.00% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA** | Debt | 1.01% | +0.01% |
| NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT** | Debt | 1.01% | — |
| SDL TN 7.54% 2036 | SOV | 1.01% | -0.29% |
| HDFC BANK LTD.** | Debt | 1.00% | +0.00% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA** | Debt | 0.99% | +0.00% |
| ONGC PETRO ADDITIONS LTD.** | Debt | 0.98% | +0.00% |
| Mahanagar Telephone Nigam Ltd. ( ) ** | Debt | 0.98% | +0.01% |
| HDFC BANK LTD.** | Money Market | 0.98% | — |
| HDFC BANK LTD.** | Debt | 0.91% | -0.01% |
| NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT | Debt | 0.91% | +0.01% |
| SDL MH 7.63% 2035 | SOV | 0.78% | +0.00% |
| SDL TN 7.19% 2033 | SOV | 0.70% | +0.00% |
| REC LTD** | Debt | 0.51% | +0.01% |
| NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT** | Debt | 0.51% | +0.01% |
| REC LTD** | Debt | 0.51% | +0.01% |
| REC LTD | Debt | 0.50% | +0.00% |
| SBI ALTERNATIVE INVESTMENT FUND | Alternative Investment Fund | 0.37% | +0.00% |
| 718MAHSD33 | SOV | 0.33% | +0.00% |
| INDIAN RAILWAY FINANCE CORPORATION LTD.** | Debt | 0.10% | +0.00% |
| Mahanagar Telephone Nigam Ltd. ( ) ** | Debt | 0.10% | +0.00% |
| Power Finance Corporation Ltd.** | Debt | 0.05% | +0.00% |
| Power Finance Corporation Ltd. | Debt | 0.02% | +0.00% |
| SDL GJ 6.46% 2030 | SOV | 0.01% | +0.00% |
| SDL GJ 6.98% 2032 | SOV | 0.01% | -3.32% |
Risk Metrics
Standard Deviation
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 1.73 | 1.94 | Low Volatility |
| 3Y | 1.66 | 1.73 | Low Volatility |
| 5Y | 1.50 | 1.67 | Low Volatility |
What is this?
Risk as measured by standard deviation is a statistical measure that quantifies the amount of variation or dispersion in a set of data points relative to its mean (average).
Sharpe Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | -0.08 | -0.51 | Good Risk Adjusted Returns |
| 3Y | 0.54 | 0.23 | Good Risk Adjusted Returns |
| 5Y | 0.27 | -0.09 | Good Risk Adjusted Returns |
What is this?
Higher the value means that fund has been able to give better returns for the amount of risk taken. It helps investors understand the return of an investment compared to its risk, showing whether the returns are due to intelligent investing or simply taking on excess risk. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns.
Sortino Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | -0.15 | -0.68 | Good Risk Adjusted Returns |
| 3Y | 1.04 | 0.43 | Good Risk Adjusted Returns |
| 5Y | 0.46 | -0.05 | Good Risk Adjusted Returns |
What is this?
The Sortino Ratio is a financial metric used to measure the risk-adjusted return of an investment. It's a modification of the Sharpe Ratio but with a key difference; it only considers downside risk (the risk of negative returns), rather than total volatility. This means it focuses on how well an investment performs relative to the volatility that leads to losses, ignoring the volatility that results in gains. The idea is that investors are primarily concerned with minimizing losses, and positive volatility is generally seen as a good thing.
Beta
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 1.00 | 0.86 | Poor Risk Adjusted Returns |
| 3Y | 1.04 | 0.93 | Poor Risk Adjusted Returns |
| 5Y | 0.87 | 0.80 | Poor Risk Adjusted Returns |
What is this?
This value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market.
Compare With Peers
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
Franklin India Banking & PSU Debt Fund
Regular Plan · Growth
|
+5.69% | +7.16% | +6.14% | +7.35% |
|
UTI Banking & PSU Debt Fund
Regular Plan · Growth
|
+5.68% | +7.27% | +7.50% | +7.01% |
|
Bandhan Banking and PSU Debt Fund
Direct Plan · Growth
|
+5.50% | +7.18% | +6.30% | +7.64% |
|
ICICI Prudential Banking and PSU Debt Fund
Regular Plan · Growth
|
+4.77% | +6.86% | +6.24% | +7.74% |
|
Bajaj Finserv Banking and PSU Debt Fund
Direct Plan · Growth
|
+4.57% | — | — | +7.21% |
|
LIC MF Banking & PSU Debt Fund
Regular Plan · Daily IDCW
|
+4.51% | +3.02% | +1.98% | +0.89% |
|
Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)
Regular Plan · GROWTH
|
+4.47% | +6.93% | +5.89% | +7.34% |
|
SBI BANKING & PSU DEBT FUND
Regular Plan · Growth
|
+4.44% | +6.74% | +5.69% | +7.18% |
|
Axis Banking and PSU Debt Fund
Regular Plan · Growth option
|
+4.39% | +6.67% | +5.86% | +7.45% |
|
Invesco India Banking and PSU Debt Fund
Regular Plan · Growth
|
+4.26% | +6.83% | +5.28% | +6.55% |
More From Kotak Mahindra Asset Management Company Limited.
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
| Kotak Silver ETF | +48.01% | +47.44% | — | +34.86% |
|
Kotak Silver ETF Fund of Fund
Direct Plan · Growth
|
+46.66% | +44.81% | — | +34.65% |
|
Kotak Global Emerging Market Overseas Equity Active FOF
Direct Plan · Growth
|
+36.13% | +29.38% | +13.52% | +9.77% |
|
Kotak US Specific Equity Passive FOF
Direct Plan · Growth
|
+34.50% | +34.77% | +22.24% | +21.63% |
|
Kotak Global Innovation Overseas Equity Active FOF
Direct Plan · Growth
|
+30.57% | +28.68% | +11.66% | +10.32% |
|
Kotak Healthcare Fund
Direct Plan · IDCW Option
|
+27.79% | — | — | +22.27% |
| KOTAK GOLD ETF | +23.35% | +36.44% | +24.93% | +14.72% |
|
Kotak Gold Fund
Direct Plan · Growth
|
+22.76% | +35.96% | +24.40% | +10.90% |
|
Kotak MNC Fund
Direct Plan · IDCW Option
|
+18.82% | — | — | +13.19% |
|
Kotak Special Opportunities Fund
Direct Plan · Growth
|
+18.18% | — | — | +7.51% |
About This Scheme
Investment Objective
To generate income by predominantly investing in debt & money market securities issued by Banks, Public Sector Undertaking (PSUs), Public Financial Institutions (PFI), Municipal Bonds and Reverse repos in such securities, sovereign securities issued by the Central Government and State Governments, and / or any security unconditionally guaranteed by the Govt. of India. There is no assurance that or guarantee that the investment objective of the scheme will be achieved.
Stated Asset Allocation
Debt & Money Market instruments issued by Banks, PSUs, PFIs and Municipal Bonds. - 80% to 100% - Low to Medium Central Government and State government securities/ other instruments - 0% to 20% - Low to Medium Units issued by REITs & InvITs - 0%-10%Low to Medium- The scheme shall ensure that for asset allocation limits as provided in above table, the base shall be considered as net assets excluding the extent of minimum stipulated eligible assets i.e. higher of 10% of net assets or LR-CRaR as prescribed at Annexure 1 of AMFI Best Practices Guidelines Circular No.93 / 2021-22 dated July 24, 2021.
Exit Load
Nil
Fund Managers
FM 1 Mr. Deepak Agrawal FM2 Mr. Dharmesh Thakar
FM 1 Primary, FM 2 Primary
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns. Data is sourced from AMFI and fund houses via FinAPI and may lag official figures.