Kotak Banking and PSU Debt Growth

Kotak Banking and PSU Debt Growth

Debt

Kotak Mutual Fund

Banking & Psu

Get the latest NAV of Kotak Banking and PSU Debt Growth. 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.

₹65.58

NAV as on 23 Jun 2025

Absolute Gain%

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Fund Performance

as on (23-Jun-25)

Period
This Fund
Banking and PSU Index
1 Month
-0.02%
0.16%
3 Months
3.11%
3.01%
6 Months
4.92%
4.86%
1 Year
9.17%
8.85%
3 Years
7.76%
7.45%
5 Years
6.35%
6.05%

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
Inception Returns
Kotak Banking and PSU Debt Growth
-
6,198Cr
0.75%
9.17%
7.76%
-
HDFC Banking & PSU Debt Fund Regular
4/12
6,114Cr
0.78%
9.06%
7.52%
7.71%
Nippon India Banking & PSU Debt Fund Regular
5/12
5,931Cr
0.77%
9.17%
7.58%
7.52%
SBI Banking and PSU Fund Regular
6/12
4,074Cr
0.79%
9.06%
7.32%
7.53%
See all

Kotak Banking and PSU Debt Growth Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

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Total Investment

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Profit

Total Corpus

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Absolute Return
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Kotak Banking and PSU Debt Growth Asset Allocation

See fund asset allocation details as on (14-Jun-25)

Fund Distribution

as on (14-Jun-25)

Debt & Cash 99.7%

AAA
97.5%
AA
2.5%
Cash allocation has gone up from 3.4% to 4.5%
Cash allocation has gone up from 3.4% to 4.5%
Debt allocation has gone down from 96.3% to 95.3%
Debt allocation has gone down from 96.3% to 95.3%

Kotak Banking and PSU Debt Growth Sector Allocation

See fund sector allocation details as on (14-Jun-25)

Sector Allocation

Debt & Cash 99.7%

Corporate
53.7%
Government
43.3%
Cash Equivalent
3%

Top 2 Sectors in May were Corporate, Government

May'25

Corporate

55%

Government

40%

Apr'25

Corporate

54%

Government

42%

Kotak Banking and PSU Debt Growth Overview

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

Expense ratio0.75%
Benchmark
CRISIL Banking and PSU Debt TR INR
AUM₹6198 Cr
Inception Date29 December, 1998
Min Lumpsum/SIP₹100/₹100
Exit Load0%
Lock InNo Lock-in
TurnOver
171.04%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Low to Moderate Risk

About Kotak Banking and PSU Debt Growth

Kotak Banking and PSU Debt Growth is a debt fund. This fund was started on 29 December, 1998. The fund is managed by Deepak Agrawal. This fund is suitable to keep your money safe.

Key Parameters

  1. Kotak Banking and PSU Debt Growth has ₹6198 Cr worth of assets under management (AUM) as on Dec 1969 and is more than category average.
  2. The fund has an expense ratio 0.8.

Returns

Kotak Banking and PSU Debt Growth has given a CAGR return of 0.00% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 9.17%, 7.76% and 6.35% respectively.

Holdings

Kotak Banking and PSU Debt Growth has allocated its funds majorly in Corporate, Government, Cash Equivalent. Its top holdings are 7.18% Govt Stock 2033, Power Finance Corporation Limited, 7.1% Govt Stock 2034, National Housing Bank, Indian Oil Corporation 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 Growth

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 Growth has no lock in period.

Fund Manager

Deepak Agrawal

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

Learn more about Kotak Mutual Fund
Parameters
May'25
Apr'25
Mar'25
AUM
₹ 6.2K Cr
₹ 6K Cr
₹ 6K Cr
  • AUM of the fund stands at 6.2K Cr as of May'25
  • AUM increased by 200.1 Cr between May'25 and Apr'25

Frequently Asked Questions for Kotak Banking and PSU Debt Growth

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

INDmoney makes it simple to invest in the Kotak Banking and PSU Debt Growth. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘Kotak Banking and PSU Debt Growth’.
  • 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 Growth?

The NAV of the fund today is ₹65.58. 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 Growth fund has generated a return of 9.17% in 1 year, 7.76% in 3 years, 6.35% in 5 years.

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

The fund managers are Deepak Agrawal.

What is the exit load of the fund?

The exit load is . Exit load is a fee levied for ‘exiting’ the fund earlier than a stipulated period, usually 1 year.

What is the expense ratio of the fund?

The expense ratio is 0.75%. 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 ₹6198 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 Growth?

The top 3 holdings of the fund are 7.18% Govt Stock 2033(8.36%), Power Finance Corporation Limited(5.47%), 7.1% Govt Stock 2034(4.53%)