Kotak Banking and PSU Debt Fund · Regular · Growth
NAV
₹68.8749
as of 17 Jun 2026
Expense Ratio
0.75%
AUM
₹5,430 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.89%
- 3Y
- +7.10%
- 5Y
- +6.15%
- Since Inception
- +7.28%
SIP returns (XIRR)
- 1Y
- +5.43%
- 3Y
- +6.85%
- 5Y
- +6.71%
- Since Inception
- +7.11%
SIP since inception — what ₹100/month became
Real NAV backtest from day one
₹33,000
Invested
₹97,895
Value today
7.1%
XIRR (p.a.)
₹100/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹100 lumpsum at launch — value today
Invested on the fund's first NAV date
₹100
Invested
₹687
Value today
7.3%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹16,50,000
Withdrawn
₹19,78,350
Corpus left
+₹26,28,350 net gain — withdrew ₹16,50,000 AND corpus grew
Plan your SWP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,51,304
Value today
1.5×
Multiple
Staying invested through that crash turned ₹1L into ₹1,51,304 — a 1.5× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised0.37
Sharpe Ratio
—
Alpha
—
Beta
0.39
Sortino
1.31%
Std Dev
-0.64%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Power Finance Corporation Ltd.(^)**6.43%
- 2Canara Bank(^)**5.09%
- 3Indian Oil Corporation Ltd.**3.70%
- 4Gujarat State Govt - 2032 - Gujarat3.27%
- 5Power Grid Corporation Of India Ltd.**3.13%
- 6Hdfc Bank Ltd.(^)**2.98%
- 7Rec Ltd(^)**2.92%
- 8Gujarat State Govt - 2032 - Gujarat2.88%
- 9State Bank Of India.**2.78%
- 10Small Industries Development Bank Of India**2.64%
Investment Objective
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 ₹5,430 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%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations