Kotak Banking and PSU Debt Fund · Regular · Growth
NAV
₹69.3140
as of 15 Jul 2026
Expense Ratio
0.75%
AUM
₹5,430 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.27%
- 3Y
- +7.15%
- 5Y
- +6.25%
- Since Inception
- +7.28%
SIP returns (XIRR)
- 1Y
- +5.93%
- 3Y
- +6.92%
- 5Y
- +6.79%
- Since Inception
- +7.12%
What history actually did — last 10 years (Jul 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,49,888 today — ₹6,00,000 invested, 6.9% XIRR.
₹6,00,000
Invested
₹8,49,888
Value today
6.9%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹2,00,063 today (7.2% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2016 would still hold ₹11,50,747.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Jul 2016 – Jul 2026) (22 Mar 2020) would be ₹1,52,587 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, annualised0.50
Sharpe Ratio
—
Alpha
—
Beta
0.52
Sortino
1.35%
Std Dev
-0.64%
Max Drawdown
Performance Comparison
Thinking about Kotak Banking and PSU Debt Fund · Regular · Growth?
Talk to our AMFI-registered team — free, no pressure. We'll help you see if this fund fits your goals.
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