Kotak Banking and PSU Debt Fund · Regular · Growth
NAV
₹69.4887
as of 29 Sept 2026
Expense Ratio
0.75%
AUM
₹5,074 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.90%
- 3Y
- +6.84%
- 5Y
- +5.96%
- Since Inception
- +7.24%
SIP returns (XIRR)
- 1Y
- +4.46%
- 3Y
- +6.15%
- 5Y
- +6.39%
- Since Inception
- +7.05%
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,42,248 today — ₹6,00,000 invested, 6.6% XIRR.
₹6,00,000
Invested
₹8,42,248
Value today
6.6%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,95,435 today (6.9% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹11,12,103.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹1,52,972 today (1.53×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.39
Sharpe Ratio
—
Alpha
—
Beta
-0.40
Sortino
1.37%
Std Dev
-0.64%
Max Drawdown
Performance Comparison
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Power Finance Corporation Ltd.(^)**6.67%
- 2National Bank For Financing Infrastructure And Development**4.02%
- 3Power Grid Corporation Of India Ltd.**3.26%
- 4Hdfc Bank Ltd.**3.09%
- 5Canara Bank**2.95%
- 6State Bank Of India.**2.87%
- 7Indian Oil Corporation Ltd.**2.84%
- 8Rec Ltd**2.64%
- 9Small Industries Development Bank Of India**2.54%
- 10National Bank For Agriculture & Rural Development2.52%
What this fund does
Kotak Banking and PSU Debt Fund · Regular · Growth by Kotak Mahindra Mutual Fund is a Banking & PSU Debt fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Banking & PSU Debt category.
About This Fund
Kotak Banking and PSU Debt Fund · Regular · Growth is a Banking & PSU Debt mutual fund offered by Kotak Mahindra Mutual Fund. The fund has been operational for over 27 years. It manages assets worth ₹5,074 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Banking and PSU Debt A-II Index. The current expense ratio is 0.75%.