Kotak Banking and PSU Debt Fund · Regular · Growth
₹68.8087
₹0.08 (+0.11%)
NAV as of 12 Jun 2026
Today's NAV — all variants
Regular · Growth
₹₹68.8087
₹0.08 (+0.11%)
12 Jun 2026
AMFI: 123690
Direct · Growth
₹₹71.9322
₹0.08 (+0.11%)
12 Jun 2026
AMFI: 123693
Regular · IDCW
₹₹12.9277
₹0.01 (+0.11%)
12 Jun 2026
AMFI: 123691
Direct · IDCW
Discontinued / Inactive
⚠ 15 Sept 2017
AMFI: 123689
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP 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Withdrawn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 crashesFund Details
Risk Metrics
Trailing 1 year, annualised0.31
Sharpe Ratio
—
Alpha
—
Beta
0.34
Sortino
1.31%
Std Dev
-0.64%
Max Drawdown
Portfolio Holdings
Top 50 holdings · as of Apr 2026
| Security | % NAV |
|---|---|
Power Finance Corporation Ltd.(^)** INE134E08MX3 | 643.00% |
Power Finance Corporation Ltd.(^)** INE134E08MX3 | 639.00% |
Canara Bank(^)** INE476A16G28 | 547.00% |
Canara Bank(^)** INE476A16G28 | 509.00% |
Indian Oil Corporation Ltd.** INE242A08551 | 370.00% |
Indian Oil Corporation Ltd.** INE242A08551 | 368.00% |
Gujarat State Govt - 2032 - Gujarat IN1520250185 | 327.00% |
Gujarat State Govt - 2032 - Gujarat(^) IN1520250185 | 325.00% |
Power Grid Corporation Of India Ltd.** INE752E08718 | 313.00% |
Power Grid Corporation Of India Ltd.** INE752E08718 | 310.00% |
Hdfc Bank Ltd.(^)** INE040A08724 | 298.00% |
Hdfc Bank Ltd.(^)** INE040A08724 | 297.00% |
Rec Ltd(^)** INE020B08EG2 | 292.00% |
Rec Ltd** INE020B08EG2 | 291.00% |
Gujarat State Govt - 2032 - Gujarat IN1520250276 | 288.00% |
State Bank Of India.** INE062A08231 | 278.00% |
State Bank Of India.** INE062A08231 | 276.00% |
Small Industries Development Bank Of India** INE556F08KL3 | 264.00% |
Small Industries Development Bank Of India** INE556F08KL3 | 262.00% |
Rec Ltd** INE020B08EH0 | 255.00% |
Rec Ltd INE020B08EH0 | 253.00% |
National Bank For Agriculture & Rural Development INE261F08EO7 | 243.00% |
Lic Housing Finance Ltd.** INE115A07QK0 | 242.00% |
Small Industries Development Bank Of India** INE556F08KS8 | 242.00% |
National Bank For Agriculture & Rural Development INE261F08EO7 | 241.00% |
Small Industries Development Bank Of India** INE556F08KS8 | 240.00% |
Power Finance Corporation Ltd.(^)** INE134E08KV1 | 196.00% |
Power Finance Corporation Ltd.(^) INE134E08KV1 | 195.00% |
Power Finance Corporation Ltd.** INE134E08LX5 | 195.00% |
Power Finance Corporation Ltd.** INE134E08LX5 | 194.00% |
National Bank For Agriculture & Rural Development INE261F08EH1 | 194.00% |
Export-Import Bank Of India(^)** INE514E08GC2 | 194.00% |
National Bank For Agriculture & Rural Development** INE261F08EH1 | 194.00% |
Export-Import Bank Of India** INE514E08GC2 | 193.00% |
Icici Bank Ltd.(At 1 Bonds)** INE090A08UN9 | 191.00% |
Icici Bank Ltd.(^)** INE090A08UE8 | 191.00% |
Union Bank Of India- At1 Bonds** INE692A08029 | 189.00% |
Icici Bank Ltd.** INE090A08UE8 | 189.00% |
National Bank For Financing Infrastructure And Development** INE0KUG08092 | 188.00% |
Union Bank Of India- At1 Bonds** INE692A08029 | 187.00% |
Icici Bank Ltd.(At 1 Bonds)** INE090A08UN9 | 187.00% |
National Bank For Financing Infrastructure And Development(^)** INE0KUG08092 | 187.00% |
Punjab National Bank** INE160A16UD4 | 182.00% |
National Bank For Agriculture & Rural Development INE261F08EM1 | 166.00% |
National Bank For Agriculture & Rural Development INE261F08EM1 | 164.00% |
Hdfc Bank Ltd.(^)** INE040A08AF2 | 155.00% |
National Housing Bank(^)** INE557F08GA2 | 151.00% |
National Housing Bank(^)** INE557F08GA2 | 150.00% |
Food Corporation Of India(^)** INE861G08027 | 147.00% |
Nuclear Power Corporation Of India Ltd.** INE206D08501 | 147.00% |
Performance Comparison
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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