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Kotak Banking and PSU Debt Fund
Banking and PSU DebtRank #10
3/5
NAV (2026-09-11)
₹69.57
AUM
₹4,936.81 Cr
Exp. Ratio: 0.75%
RISK LEVEL
Moderate
Returns & Performance
1 Year5.37%0.36% vs cat avgRank #5
3 Year7.00%0.27% vs cat avgRank #3
5 Year6.05%0.27% vs cat avgRank #4
Since Launch7.25%0.14% vs cat avg
Fund vs Category Average
1Y
5.37%+0.36%
3Y
7.00%+0.27%
5Y
6.05%+0.27%
Pros & Cons
Pros
✔Outperforms category avg on 1Y returns
✔Strong 3Y track record vs category
✔Above category avg 5Y returns
✔No lock-in period
✔Top-5 ranked in category for 1Y (#5)
✔Overall top-10 rank in category (#10)
✔Outperforms category avg since launch
Cons
No notable cons identified
ISININF174K01FO3
NAV₹69.57
NAV Date2026-09-11
AUM₹4,936.81 Cr
Expense Ratio0.75%
RiskModerate
Rating3 / 5
Min SIP Amount₹100
Max SIP Amount₹999999999
Min Additional Inv.₹100
SIP AllowedYes
Plan TypeRegular
Plan OptionGrowth
Is NFONo
Fund House Incorp.1994-08-05
INVESTMENT OBJECTIVE
The scheme seeks to generate income by predominantly investing in debt & money market securities issued by Banks, Public Sector Undertaking (PSUs), Public Financial Institutions (PFI), Municipal Bonds and Reverse repos in such securities, sovereign securities issued by the Central Government and State Governments, and/or any security unconditionally guaranteed by the Govt. of India.
Exit Load--
Stamp duty on investment0.005% (from July 1st, 2020)
Tax implicationsReturns are taxed as per your income tax slab.
Dharmesh Thakar
PGeMBA in Finance
Prior to joining the Kotak AMC, he was associated with Trust Financial Consultancy Services Pvt Ltd.
Top Holdings
Company
Sector
Asset Value (Cr)
Asset %
Power Finance Corporation Ltd. 7.6 13/04/2029
Financial
₹329.37
6.67
Canara Bank 28/01/2027
Financial
₹261.58
5.22
Power Grid Corporation Of India Ltd. 7.7 12/10/2033
Common questions about this fund, answered from scheme data
The latest Net Asset Value (NAV) of Kotak Banking and PSU Debt Fund is ₹69.57 as of 2026-09-11.
Kotak Banking and PSU Debt Fund is classified as a Banking and PSU Debt fund.
Kotak Banking and PSU Debt Fund is managed by Kotak Mahindra Mutual Fund.
The Assets Under Management (AUM) of Kotak Banking and PSU Debt Fund is ₹4,936.81 Cr.
The expense ratio of Kotak Banking and PSU Debt Fund is 0.75%.
Kotak Banking and PSU Debt Fund is managed by Dharmesh Thakar.
The minimum SIP investment for Kotak Banking and PSU Debt Fund is ₹100.
As per the SEBI Riskometer, Kotak Banking and PSU Debt Fund carries a Moderate risk level.
Kotak Banking and PSU Debt Fund has delivered 5.37% (1Y), 7% (3Y) and 6.05% (5Y) annualised returns as of 2026-09-11.
Kotak Banking and PSU Debt Fund was launched on 1994-08-05.
Open an account with Indiabulls Securities, complete your KYC, and invest via SIP or a one-time lumpsum through our platform.
A Systematic Investment Plan (SIP) lets you invest a fixed amount at regular intervals (e.g., monthly) instead of a single lumpsum.
There is no separate brokerage on mutual fund units. The AMC charges an expense ratio, which is already reflected in the NAV. An exit load may apply if you redeem before the specified period.
Mutual fund NAVs are declared once per business day after market close, in line with SEBI norms.
The FAQs above are generated from data provided by the AMC and are for educational purposes only. They do not constitute financial advice, buy/sell recommendations, or return guarantees. Mutual fund investments are subject to market risks — read all scheme-related documents carefully before investing. Past performance is not indicative of future returns.
