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OmniAsset › Mutual funds › Kotak Banking and PSU Debt Fund

Kotak Banking and PSU Debt Fund

Banking & PSU fund benchmarked to CRISIL Banking & PSU Debt A-II Index. Every figure below is read from one dated snapshot; what the snapshot cannot prove is left out, never estimated.

Latest NAV2 Sep 202672.7115
CategoryBanking & PSU
PlanDirect · Growth
Launched2 Jan 2000
Risk labelthe scheme's own riskometerModerate
Legal benchmarkSEBI Tier-1CRISIL Banking & PSU Debt A-II Index
Expense ratiodirect plan, a year · stated maximum, from the scheme document0.40%
AUM₹3,055 Cr
Growth of ₹10,000₹13,7022 Sep 2021 to 2 Sep 2026
₹13,746₹12,809₹11,873₹10,936₹10,000Sep 2021Nov 2022Mar 2024Jun 2025Sep 2026
₹13,702 (+6.5% a year) Kotak Banking and PSU Debt Fund

Performance (trailing, annualised)

1Y annualised5.93%
3Y annualised7.40%
5Y annualised6.50%
10Y annualised7.44%

Point-to-point from the fund's own published NAV; a period the history does not span is left out.

SIP returns

SIP 1Y (₹10,000 a month)invested ₹1,20,000 → worth ₹1,23,5485.51%
SIP 3Y (₹10,000 a month)invested ₹3,60,000 → worth ₹3,99,3366.85%
SIP 5Y (₹10,000 a month)invested ₹6,00,000 → worth ₹7,15,7326.99%

₹10,000 on the first of every month, valued at the latest NAV, as an annualised rate (XIRR).

Calendar years

Calendar 20214.34%
Calendar 20224.03%
Calendar 20237.24%
Calendar 20248.46%
Calendar 20258.06%

Rolling returns

Rolling 1Y · average618 windows since 19 Aug 20147.97%
Rolling 1Y · median8.21%
Rolling 1Y · worst window2.76%
Rolling 1Y · best window12.61%
Rolling 1Y · windows positive100%
Rolling 3Y · average516 windows since 18 Aug 20167.87%
Rolling 3Y · median8.04%
Rolling 3Y · worst window5.08%
Rolling 3Y · best window10.26%
Rolling 3Y · windows positive100%
Rolling 5Y · average414 windows since 16 Aug 20187.81%
Rolling 5Y · median7.72%
Rolling 5Y · worst window6.22%
Rolling 5Y · best window9.34%
Rolling 5Y · windows positive100%

Every window of that length in the published history, so one lucky start date cannot flatter the fund.

Risk

Volatility (3Y)1.16%
Downside deviation (3Y)0.63%
Maximum drawdown-0.63%

Management

Fund managerMr. Deepak Agrawal FM2 Mr. Dharmesh Thakar
Managing since1 Aug 2008

What it holds

SecurityWeight
POWER FINANCE CORPORATION LIMITED SR 237A 7.60 BD 13AP29 FVRS1LAC6.7%
NATIONAL BANK FOR FINANCING INFRASTRUCTURE AND DEVELOPMENT SR NABFID20272 7.3700 BD 16JL29 FVRS1LAC4.0%
INDIAN OIL CORPORATION LIMITED SR XXVI 7.36 NCD 16JL29 FVRS1LAC3.8%
STATE DEVELOPMENT LOAN 36738 GUJ 26NV32 6.98 FV RS 1003.3%
POWER GRID CORPORATION OF INDIA LIMITED SR LXXIV 7.70 BD 12OT33 FVRS1LAC3.2%
HDFC BANK LIMITED SR V004 8.55 NCD 27MR29 FVRS10LAC3.1%
REC LIMITED SR 220-B 7.69 BD 31MR33 FVRS1LAC3.1%
STATE DEVELOPMENT LOAN 37024 GUJ 04FB32 7.17 FV RS 1003.0%
STATE BANK OF INDIA SR I 6.80 BD 21AG35 FVRS10LAC2.9%
RURAL ELECTRIFICATION CORPORATION LIMITED 7.77 SR 220-A BD 31MR28 FVRS1LAC2.6%
SectorWeight
Financial65.9%
Energy & Utilities9.4%
Industrials7.0%
Unspecified6.9%
Entities3.7%

Portfolio disclosed: 96.5% by weight.

Related

Source: the OmniAsset signed reference snapshot, as of 4 Sep 2026. Figures are deterministic; missing data is withheld, never estimated. See methodology and data sources. Not investment advice.

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