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Fund Overview of Kotak Banking And Psu Debt Fund Direct-growth
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₹5,008.7 CrAUM
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₹72.00NAV
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0.40%Expense Ratio
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DebtFund Category
Minimum amount you can invest: ₹500
Maximum amount you can invest: ₹1,00,000
We have used a return rate of 15% for our calculations.
Returns of Kotak Banking And Psu Debt Fund Direct-growth
| Tenure | Absolute(%) | Annualised(%) | Category Average(%) |
|---|---|---|---|
| 3 Months | 1.61% | NA | 0.71% |
| 6 Months | 2.64% | NA | 4.51% |
| 1 Year | 5.26% | 5.26% | 8.39% |
| 2 Years | 15.67% | 7.55% | 8.14% |
| 3 Years | 24.21% | 7.49% | 7.57% |
| 5 Years | 37.55% | 6.58% | 6.29% |
| 7 Years | 63.47% | 7.27% | NA |
| 10 Years | 108.58% | 7.63% | 7.57% |
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Asset Allocation
debt instruments
96.73%other assets or cash equivalents
3.27%Kotak Banking And Psu Debt Fund Direct-growth is one Debt mutual fund offered by Kotak Mahindra Mutual Fund. the fund aims Income over a short to medium term investment horizon. Investment in debt & money market securities of PSUs, Banks, Public Financial Institutions, government securities and Municipal Bonds. It manages assets worth ₹5,008.7 crore as on Sun May 31, 2026. The expense ratio stands at 0.4%. Fund Manager Manager Education Fund Manager Manager EducationAbout Kotak Banking And Psu Debt Fund Direct-growth
The portfolio allocation consists of 96.73% in debt instruments, 3.27% in other assets or cash equivalents.Managed by Deepak Agrawal, it has delivered a return of 5.26% in the last year, a total return since inception of 8.07%.
While evaluating long-term investments individuals often compare best sip plans depending on performance consistency.
Key Metrics of Kotak Banking And Psu Debt Fund Direct-growth
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Standard Deviation1.34%
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Sharpe Ratio0.75%
Fund Details
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Top Performing Mutual Funds
| Fund Names | AUM (Cr) | 1M | 3M | 1Yr | 3Yr | 5Yr |
|---|---|---|---|---|---|---|
UTI Banking & Psu Fund Direct-flexi Idcw  |
₹1,227 | 0.76% | 1.64% | 5.57% | 7.19% | 7.56% |
| UTI Banking & Psu Fund Direct-growth |
₹1,227 | 0.76% | 1.64% | 5.57% | 7.19% | 7.56% |
| UTI Banking & Psu Fund Direct-idcw Half Yearly |
₹1,227 | 0.76% | 1.64% | 5.57% | 7.19% | 7.56% |
| UTI Banking & Psu Fund Direct-idcw Monthly |
₹1,227 | 0.76% | 1.64% | 5.57% | 7.19% | 7.56% |
| UTI Banking & Psu Fund Direct-idcw Quarterly |
₹1,227 | 0.76% | 1.64% | 5.57% | 7.19% | 7.56% |
| UTI Banking & Psu Fund Direct-idcw Yearly |
₹1,227 | 0.76% | 1.64% | 5.57% | 7.19% | 7.56% |
| UTI Banking & Psu Fund Regular-flexi Idcw |
₹1,227 | 0.74% | 1.57% | 5.31% | 6.91% | 7.29% |
| UTI Banking & Psu Fund Regular-growth |
₹1,227 | 0.74% | 1.57% | 5.31% | 6.91% | 7.29% |
| UTI Banking & Psu Fund Regular-idcw Half Yearly |
₹1,227 | 0.74% | 1.57% | 5.31% | 6.91% | 7.29% |
| UTI Banking & Psu Fund Regular-idcw Monthly |
₹1,227 | 0.74% | 1.57% | 5.31% | 6.91% | 7.29% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More funds from Kotak Mahindra Mutual Fund
| Fund Names | AUM (Cr) | 1M | 3M | 6M | 1Yr | 3Yr |
|---|---|---|---|---|---|---|
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Kotak Banking And Psu Debt Fund Regular-growth
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₹5,009 | 1.35% | 1.52% | 2.46% | 4.89% | 7.08% |
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Kotak Banking And Psu Debt Fund Direct-idcw Monthly
|
₹5,009 | 1.39% | 1.61% | 2.64% | 5.26% | 7.49% |
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Kotak Banking And Psu Debt Fund Regular-idcw Monthly
|
₹5,009 | 1.35% | 1.52% | 2.46% | 4.89% | 7.08% |
growth is based on 1-month returns of the fundsMutual Fund Calculator
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Top Mutual Funds
| Fund Names | AUM (Cr) | NAV | 3Yr | 5Yr | 10Yr |
|---|---|---|---|---|---|
| Axis Banking & Psu Debt Fund-growth |
₹12,219 | ₹2,770.01 | 6.81% | 5.89% | 6.99% |
| Axis Banking & Psu Debt Direct Plan-growth |
₹12,219 | ₹2,864.13 | 7.11% | 6.19% | 7.28% |
| Axis Banking & Psu Debt Fund-idcw Daily |
₹12,219 | ₹1,039.13 | 6.81% | 5.89% | 6.99% |
| Axis Banking & Psu Debt Direct Plan-idcw Daily |
₹12,219 | ₹1,039.13 | 7.11% | 6.19% | 7.28% |
| Axis Banking & Psu Debt Fund-idcw Monthly |
₹12,219 | ₹1,043.85 | 6.81% | 5.89% | 6.99% |
| Axis Banking & Psu Debt Direct Plan-idcw Monthly |
₹12,219 | ₹1,044.28 | 7.11% | 6.19% | 7.28% |
| Axis Banking & Psu Debt Fund-idcw Weekly |
₹12,219 | ₹1,038.64 | 6.81% | 5.89% | 6.99% |
| Axis Banking & Psu Debt Direct Plan-idcw Weekly |
₹12,219 | ₹1,038.66 | 7.11% | 6.19% | 7.28% |
| Bandhan Banking And Psu Fund Direct-growth |
₹12,044 | ₹26.76 | 7.13% | 6.24% | 7.27% |
| Bandhan Banking And Psu Fund Regular-growth |
₹12,044 | ₹25.93 | 6.81% | 5.92% | 6.97% |
Detailed Portfolio
| Stocks | Sector | % of Holding | Value |
|---|---|---|---|
| Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lac | Financial | 6.56% | ₹328.40 Cr |
| Canara Bank Cd 28jan27 | Financial | 5.22% | ₹261.58 Cr |
| Indian Oil Corporation Limited Sr Xxvi 7.36 Ncd 16jl29 Fvrs1lac | Energy & Utilities | 3.76% | ₹188.46 Cr |
| State Development Loan 36738 Guj 26nv32 6.98 Fv Rs 100 | Industrials | 3.33% | ₹166.83 Cr |
| Power Grid Corporation Of India Limited Sr Lxxiv 7.70 Bd 12ot33 Fvrs1lac | Energy & Utilities | 3.20% | ₹160.23 Cr |
| Hdfc Bank Limited Sr V004 8.55 Ncd 27mr29 Fvrs10lac | Financial | 3.04% | ₹152.25 Cr |
| Rec Limited Sr 220-b 7.69 Bd 31mr33 Fvrs1lac | Financial | 2.98% | ₹149.28 Cr |
| State Development Loan 37024 Guj 04fb32 7.17 Fv Rs 100 | Industrials | 2.94% | ₹147.08 Cr |
| State Bank Of India Sr I 6.80 Bd 21ag35 Fvrs10lac | Financial | 2.83% | ₹141.58 Cr |
| Small Industries Development Bank Of India Sr V 7.83 Bd 24nv28 Fvrs1lac | Financial | 2.69% | ₹134.84 Cr |
| Rural Electrification Corporation Limited 7.77 Sr 220-a Bd 31mr28 Fvrs1lac | Financial | 2.59% | ₹129.92 Cr |
| National Bank For Agriculture And Rural Development Sr 25g 7.48 Bd 15sp28 Fvrs1lac | Financial | 2.48% | ₹124.13 Cr |
| Small Industries Development Bank Of India Sr Iii 7.34 Bd 26fb29 Fvrs1lac | Financial | 2.47% | ₹123.52 Cr |
| Power Finance Corporation Ltd. Series 203 B 7.75 Bd 11ju30 Fv10lac | Financial | 2.00% | ₹99.95 Cr |
| Power Finance Corporation Ltd. Sr Bs221b 7.59 Bd 17jn28 Fvrs10lac | Financial | 1.99% | ₹99.71 Cr |
| National Bank For Agriculture And Rural Development Sr 24h 7.62 Bd 10my29 Fvrs1lac | Financial | 1.99% | ₹99.44 Cr |
| Export Import Bank Of India Sr Z02 7.40 Bd 14mr29 Fvrs1lac | Financial | 1.98% | ₹99.33 Cr |
| Icici Bank Limited Sr Dju21lb 6.45 Bd 15ju28 Fvrs10lac | Financial | 1.95% | ₹97.44 Cr |
| Icici Bank Limited Sr Dnv25t2 7.40 Bd 28nv40 Fvrs1cr | Financial | 1.94% | ₹97.16 Cr |
| Union Bank Of India Sr-xx Additional Tier 1 Bo 9.50 | Financial | 1.93% | ₹96.59 Cr |
| National Bank For Financing Infrastructure And Development Sr Nabfid2026-3 6.67 Bd 30my30 Fvrs1lac | Financial | 1.92% | ₹95.99 Cr |
| Bank Of Baroda Cd 25jan27 | Financial | 1.90% | ₹95.15 Cr |
| Net Current Assets | Unspecified | 1.75% | ₹89.56 Cr |
| National Bank For Agriculture And Rural Development Sr 25e 7.53 Bd 24mr28 Fvrs1lac | Financial | 1.69% | ₹84.57 Cr |
| National Housing Bank 7.14 Bd 17nv34 Fvrs1lac | Financial | 1.54% | ₹76.90 Cr |
| Repo | Unspecified | 1.52% | ₹76.12 Cr |
| Food Corporation Of India 8.8 Loa 22mr28 Fvrs10lac | Consumer Staples | 1.50% | ₹75.13 Cr |
| 7.7% Nuclear Power Corporation Of India Limited | Energy & Utilities | 1.50% | ₹74.97 Cr |
| Small Industries Development Bank Of India Sr Ii 7.47 Bd 05sp29 Fvrs1lac | Financial | 1.48% | ₹74.19 Cr |
| Small Industries Development Bank Of India Sr Ix 7.39 Bd 21mr30 Fvrs1lac | Financial | 1.48% | ₹73.88 Cr |
| Hdfc Bank Limited Sr Aa010 7.80 Ncd 06sp32 Fvrs10lac | Financial | 1.39% | ₹69.46 Cr |
| State Development Loan 37028 Kar 04fb35 7.49 Fv Rs 100 | Unspecified | 1.36% | ₹67.93 Cr |
| Power Grid Corporation Of India Limited Sr Lxx 7.40 Bd 17fb33 Fvrs1lac | Energy & Utilities | 1.35% | ₹67.45 Cr |
| State Development Loan 37068 Tn 11fb36 7.54 Fv Rs 100 | Unspecified | 1.27% | ₹63.66 Cr |
| Rural Electrification Corporation Limited Sr I 8.01 Bd 24mr28 Fvrs10lac | Financial | 1.22% | ₹60.86 Cr |
| Rec Limited Sr Xii 6.45 Bd 07jn31 Fvrs10lac | Financial | 1.14% | ₹57.32 Cr |
| Hdfc Bank Limited Sr U003 9 Ncd 01nv28 Fvrs10lac | Financial | 1.02% | ₹51.13 Cr |
| Food Corporation Of India Sr Vii A 7.60 Loa 09jn30 Fvrs10lac | Consumer Staples | 0.99% | ₹49.69 Cr |
| National Bank For Agriculture And Rural Development Sr 25c 7.44 Bd 24fb28 Fvrs1lac | Financial | 0.99% | ₹49.68 Cr |
| Indian Railway Finance Corporation Limited Sr 178 7.46 Bd 18ju29 Fvrs1lac | Financial | 0.99% | ₹49.67 Cr |
| Indian Railway Finance Corporation Limited Sr 181 7.37 Bd 31jl29 Fvrs1lac | Financial | 0.99% | ₹49.55 Cr |
| Small Industries Development Bank Of India Sr Vii 7.42 Bd 12mr29 Fvrs1lac | Financial | 0.99% | ₹49.48 Cr |
| Hdfc Bank Limited Sr Ab001 7.69 Ncd 27jn33 Fvrs1lac | Financial | 0.98% | ₹49.31 Cr |
| Hdfc Bank Limited Cd 11sep26 | Financial | 0.98% | ₹48.96 Cr |
| Small Industries Development Bank Of India Sr Ii 6.74 Bd 10jn29 Fvrs1lac | Financial | 0.97% | ₹48.72 Cr |
| Ongc Petro Additions Limited Sr Xiv 6.99 Ncd 30ot30 Fvrs1lac | Energy & Utilities | 0.96% | ₹48.26 Cr |
| Mahanagar Telephone Nigam Limited. Sr V/2020 7.05 Loa 110t30 Fvrs10lac | Technology | 0.96% | ₹47.89 Cr |
| Hdfc Bank Limited Sr Ab002 7.97 Ncd 17fb33 Fvrs1lac | Financial | 0.90% | ₹45.02 Cr |
| State Development Loan 36510 Tn 17sp33 7.19 Fv Rs 100 | Unspecified | 0.78% | ₹38.95 Cr |
| State Development Loan 33896 Mh 31jn35 7.63 Fv Rs 100 | Unspecified | 0.76% | ₹38.26 Cr |
| State Development Loan 33928 Guj 07fb31 7.42 Fv Rs 100 | Industrials | 0.60% | ₹29.94 Cr |
| Rural Electrification Corporation Limited Sr 156 7.7 Bd 10dc27 Fvrs10lac | Financial | 0.50% | ₹24.94 Cr |
| National Bank For Agriculture And Rural Development Sr 25a 7.70 Bd 30sp27 Fvrs1lac | Financial | 0.50% | ₹24.94 Cr |
| Rec Limited Sr 223b 7.46 Bd 30ju28 Fvrs1lac | Financial | 0.50% | ₹24.85 Cr |
| Rec Limited Sr 248a 6.52 Bd 31jn28 Fvrs1lac | Financial | 0.49% | ₹24.51 Cr |
| Hdfc Bank Limited Cd 14dec26 | Financial | 0.48% | ₹23.99 Cr |
| Punjab National Bank Cd 04feb27 | Financial | 0.47% | ₹23.75 Cr |
| Others Class A2 Aif | Unspecified | 0.36% | ₹18.15 Cr |
| Government Of India 35840 Goi 15ap65 6.9 Fv Rs 100 | Entities | 0.36% | ₹18.04 Cr |
| State Development Loan 36420 Mh 10sp33 7.18 Fv Rs 100 | Unspecified | 0.32% | ₹16.22 Cr |
| Irfc Tx Sr-16e Sr 167 7.65 Bd 30dc32 Fvrs10lac | Financial | 0.10% | ₹4.98 Cr |
| Mahanagar Telephone Nigam Limited. Sr Viii Tr C 7.80 Bd 07nv33 Fvrs1lac | Technology | 0.10% | ₹4.85 Cr |
| Power Finance Corporation Ltd. Series 184 B 9.10 Bd 23mr29 Fvrs10lac | Financial | 0.05% | ₹2.57 Cr |
| Power Finance Corporation Ltd. Sr 223 7.64 Bd 22fb33 Fvrs1lac | Financial | 0.02% | ₹0.99 Cr |
| State Development Loan 29648 Guj 04nv30 6.46 Fv Rs 100 | Industrials | 0.01% | ₹0.42 Cr |
| Government Of India 36574 Goi 06ot35 6.48 Fv Rs 100 | Entities | 0.00% | ₹0.16 Cr |
Top Debt Funds
| Fund Names | NAV | 3Yr | 5Yr | 52 weeks high |
|---|---|---|---|---|
| UTI Banking & Psu Fund Direct-flexi Idcw |
₹20.34 | 7.19% | 7.56% | - |
| UTI Banking & Psu Fund Direct-growth |
₹23.60 | 7.19% | 7.56% | - |
| UTI Banking & Psu Fund Direct-idcw Half Yearly |
₹15.66 | 7.19% | 7.56% | - |
| UTI Banking & Psu Fund Direct-idcw Monthly |
₹13.63 | 7.19% | 7.56% | - |
| UTI Banking & Psu Fund Direct-idcw Quarterly |
₹17.57 | 7.19% | 7.56% | - |
| UTI Banking & Psu Fund Direct-idcw Yearly |
₹13.51 | 7.19% | 7.56% | - |
| UTI Banking & Psu Fund Regular-flexi Idcw |
₹15.52 | 6.91% | 7.29% | - |
| UTI Banking & Psu Fund Regular-growth |
₹23.15 | 6.91% | 7.29% | - |
| UTI Banking & Psu Fund Regular-idcw Half Yearly |
₹15.46 | 6.91% | 7.29% | - |
| UTI Banking & Psu Fund Regular-idcw Monthly |
₹13.36 | 6.91% | 7.29% | - |
growth is based on 5Y returns of the funds
Frequently Asked Questions
Kotak Banking And Psu Debt Fund Direct-growth
What is the current AUM of Kotak Banking And Psu Debt Fund Direct-growth?
As of Sun May 31, 2026, Kotak Banking And Psu Debt Fund Direct-growth manages assets worth ₹5,008.7 crore
How has Kotak Banking And Psu Debt Fund Direct-growth performed recently?
- 3 Months: 1.61%
- 6 Months: 2.64%
What is the long-term performance of Kotak Banking And Psu Debt Fund Direct-growth?
- 3 Years CAGR: 7.49%
- 5 Years CAGR: 6.58%
- Since Inception: 8.07%
What is the portfolio composition of Kotak Banking And Psu Debt Fund Direct-growth?
Debt: 96.73%, Others: 3.27%.
Who manages Kotak Banking And Psu Debt Fund Direct-growth?
Kotak Banking And Psu Debt Fund Direct-growth is managed by Deepak Agrawal from Kotak Mahindra Mutual Fund.
Which are the top companies Kotak Banking And Psu Debt Fund Direct-growth has invested in?
- POWER FINANCE CORPORATION LIMITED SR 237A 7.60 BD 13AP29 FVRS1LAC – 6.56% of the fund's portfolio
- CANARA BANK CD 28JAN27 – 5.22% of the fund's portfolio
- INDIAN OIL CORPORATION LIMITED SR XXVI 7.36 NCD 16JL29 FVRS1LAC – 3.76% of the fund's portfolio
- STATE DEVELOPMENT LOAN 36738 GUJ 26NV32 6.98 FV RS 100 – 3.33% of the fund's portfolio
- POWER GRID CORPORATION OF INDIA LIMITED SR LXXIV 7.70 BD 12OT33 FVRS1LAC – 3.20% of the fund's portfolio
Which are the major sectors Kotak Banking And Psu Debt Fund Direct-growth focuses on?
- Financial – 70.32% of the fund's portfolio
- Energy & Utilities – 10.77% of the fund's portfolio
- Unspecified – 8.12% of the fund's portfolio
- Industrials – 6.88% of the fund's portfolio
- Consumer Staples – 2.49% of the fund's portfolio
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Past performance may not be indicative of future results.
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^Returns as on 10th Jan’25. Tata AIA Life Top 200 ULIP Fund has delivered 18% returns over the last 10 years. Past performance is not necessarily indicative of future results. This disclaimer is specifically regarding a ULIP fund and is not related to mutual funds. Source: Morningstar.
