Kotak Banking and PSU Debt Fund

Kotak Banking and PSU Debt Fund

Debt

Kotak Mutual Fund

Banking & Psu

Get the latest NAV of Kotak Banking and PSU Debt Fund. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹70.85

NAV as on 25 Feb 2026

8.14%/per year

Since Inception

Absolute Gain%

▲▼

254 people have invested ₹ 24.8L in Kotak Banking and PSU Debt Fund in the last three months

Kotak Banking and PSU Debt Fund Performance vs. Banking and PSU Index

Fund returns vs Benchmark returns vs Category Average returns as on (25-Feb-26)

The fund has consistently outperformed the benchmark (Banking and PSU Index) over the last 1Y, 3Y, 5Y time periods.

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
0.85%
0.94%
3.18%
7.7%
7.93%
6.7%
Banking and PSU Index
0.76%
0.74%
2.5%
6.69%
6.48%
5.43%
Banking & Psu Avg
0.76%
0.68%
2.52%
6.89%
7.25%
6.3%
Best in Banking & Psu
0.85%
1.2%
3.34%
7.91%
7.93%
7.51%
Worst in Banking & Psu
0.36%
0.68%
2.43%
6.59%
7.16%
5.83%
Category Rank
1/12
2/12
1/12
4/12
2/12
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Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
Kotak Banking and PSU Debt Fund
3/12
5,530Cr
0.4%
7.7%
7.93%
0.66
1.06
0.90
1.71
1.86
ICICI Prudential Banking and PSU Debt Fund
1/12
9,583Cr
0.39%
7.54%
7.9%
0.82
0.76
1.26
2.52
1.74
UTI Banking & PSU Fund
2/12
1,101Cr
0.2%
7.66%
7.74%
0.51
0.82
0.82
1.61
0.87
HDFC Banking & PSU Debt Fund
4/12
5,666Cr
0.39%
7.4%
7.75%
0.47
1.06
0.75
1.34
1.43
See all

Kotak Banking and PSU Debt Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

  • 1-time

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Total Investment

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Total Corpus

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Absolute Return
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Kotak Banking and PSU Debt Fund Asset Allocation

See fund asset allocation details as on (14-Feb-26)

Fund Distribution

as on (14-Feb-26)

AAA
97.2%
AA
2.8%
Cash allocation has gone up from 9.6% to 10.3%
Cash allocation has gone up from 9.6% to 10.3%
Debt allocation has gone down from 90.1% to 89.4%
Debt allocation has gone down from 90.1% to 89.4%

Kotak Banking and PSU Debt Fund Sector Allocation

See fund sector allocation details as on (14-Feb-26)

Sector Allocation

Corporate
56.8%
Government
38%
Cash Equivalent
5.2%

Top 2 Sectors in January were Corporate, Government

Jan'26

Corporate

60%

Government

36%

Dec'25

Corporate

53%

Government

38%

Kotak Banking and PSU Debt Fund Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio0.4%
Benchmark
CRISIL Banking and PSU Debt TR INR
AUM₹5530 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹100/₹100
Exit Load0%
Lock InNo Lock-in
TurnOver
116.97%
Risk
Risk meter
pointer
Low to Moderate Risk

About Kotak Banking and PSU Debt Fund

Kotak Banking and PSU Debt Fund is a debt fund. This fund was started on 1 January, 2013. The fund is managed by Deepak Agrawal, Dharmesh Thakkar. This fund is suitable to keep your money safe.

Key Parameters

  1. Kotak Banking and PSU Debt Fund has ₹5530 Cr worth of assets under management (AUM) as on Feb 2026 and is more than category average.
  2. The fund has an expense ratio 0.4.

Returns

Kotak Banking and PSU Debt Fund has given a CAGR return of 8.14% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 7.70%, 7.93% and 6.70% respectively.

Holdings

Kotak Banking and PSU Debt Fund has allocated its funds majorly in Corporate, Government, Cash Equivalent. Its top holdings are Canara Bank, Power Finance Corporation Limited, Indian Oil Corporation Limited, 6.98% Gujarat Sgs 2032, Power Grid Corporation Of India Limited

Taxation

As it is a banking & psu mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of Kotak Banking and PSU Debt Fund

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.There is no assurance that or guarantee that the investment objective of the scheme will be achieved.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 100.00 and for SIP is INR 100.00. Kotak Banking and PSU Debt Fund has no lock in period.

Fund Manager

Deepak Agrawal

Fund Manager of Kotak Banking and PSU Debt Fund, since 1 August 2008

Dharmesh Thakkar

Fund Manager of Kotak Banking and PSU Debt Fund, since 1 June 2025

Learn more about Kotak Mutual Fund
Parameters
Jan'26
Dec'25
Nov'25
AUM
₹ 5.5K Cr
₹ 5.6K Cr
₹ 5.7K Cr
  • AUM of the fund stands at 5.5K Cr as of Jan'26
  • AUM decreased by 78.2 Cr between Jan'26 and Dec'25

Frequently Asked Questions for Kotak Banking and PSU Debt Fund

How do I invest in Kotak Banking and PSU Debt Fund?

INDmoney makes it simple to invest in the Kotak Banking and PSU Debt Fund. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘Kotak Banking and PSU Debt Fund’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

What is the current NAV of Kotak Banking and PSU Debt Fund?

The NAV of the fund today is ₹70.85. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

Kotak Banking and PSU Debt Fund fund has generated a return of 7.70% in 1 year, 7.93% in 3 years, 6.70% in 5 years.

Who is the fund manager of Kotak Banking and PSU Debt Fund?

The fund managers are Deepak Agrawal, Dharmesh Thakkar.

What is the expense ratio of the fund?

The expense ratio is 0.40%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹5530 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of Kotak Banking and PSU Debt Fund?

The top 3 holdings of the fund are Canara Bank(6.91%), Power Finance Corporation Limited(6.16%), Indian Oil Corporation Limited(3.55%)