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Previously called: Kotak Gilt Saving Direct-G

NAV as of ( Sep 09, 2022 )

55.01 0.01 % 1-D Change

8.32% p.a.

You get upto 0.43% extra returns

ET Money's Fund Report Card - Kotak Banking and PSU Debt Fund

ET Money Rank


Out of 16

Performance Quality info

Good drop-arrow

Generated returns consistently


Increased returns for each unit of additional risk info


Downside Protection info

Good drop-arrow

Controlled losses during market corrections


Delivered returns without frequent ups and downs


Minimum SIP amount is ₹
Minimum Lumpsum amount is ₹

By continuing, I agree to the Declaration and T&Cs.

none buyable frame

Fresh Investments closed in this fund!

This fund is no longer available to invest

This fund vs
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Scheme Details

ET Money Rank 4 Out of 16
VRO Rating 4
Expense ratio 0.36%  As on Aug 31, 2022
Exit Load 0%
AUM (Fund Size) 6,968 Crs
Lock-in No Lockin
Age 9 yrs 8 m Since Jan 01, 2013
Benchmark CRISIL Banking and PSU Debt
Min. Investment

SIP 1000  &

Lumpsum 5000

About Kotak Banking and PSU Debt Fund

Kotak Banking and PSU Debt Fund Direct-Growth is a Banking and PSU mutual fund scheme from Kotak Mahindra Mutual Fund . This fund has been in existence for 9 yrs 8 m, having been launched on 01/01/2013. Kotak Banking and PSU Debt Fund Direct-Growth has ₹6,968 Crores worth of assets under management (AUM) as on 30/06/2022 and is medium-sized fund of its category. The fund has an expense ratio of 0.36%, which is close to what most other Banking And Psu funds charge.
  • Kotak Banking and PSU Debt Fund Direct-Growth returns of last 1-year are 3.43%. Since launch, it has delivered 8.33% average annual returns. The fund has doubled the money invested in it every 9 yrs.
  • Kotak Banking and PSU Debt Fund Direct-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is above average.
  • The fund's credit profile is high indicating it has lent to borrowers whose quality is great. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
  • The fund's top holdings are in HDFC Bank Ltd., GOI, Small Industries Devp. Bank of India Ltd., Axis Bank Ltd., Reserve Bank of India.
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Total value Profit
This fund
Category Average
Bank FD

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Latest Asset & Portfolio Allocation

as on Aug 31, 2022
Top Stock Holdings

Bifurcation by Holding is not available for this fund

Allocation by Market Cap

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Allocation by Sector

Bifurcation by Sector is not available for this fund

Top Debt Holdings

HDFC Bank Ltd. 8.52%

GOI 7.91%

Small Industries Devp. Bank of India Ltd. 7.34%

Axis Bank Ltd. 6.17%

Allocation by Credit Quality

AAA 33.27%

A1+ 29.38%

SOV 25.25%

AA+ 6.05%

Allocation by Instruments

Certificate of Deposit 21.34%

Additional Tier 2 Bond 12.46%

Debenture 12.08%

GOI Securities Floating Rate Bond 11.68%

Other Holdings

Others 0.38%

Comparison with banking and psu Funds

as on Sep 12, 2022
0.69 % p.a
This fund


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Trailing Returns and Ranks

as on Sep 12, 2022
Period Trailing returns Category average Rank within category
1 month 0.69% 0.57% 4 / 18
3 months 2.1% 2.03% 5 / 18
6 months 1.77% 1.8% 5 / 18
1 year 3.39% 3.17% 4 / 18
3 years 6.69% 6.35% 4 / 16
5 years 7.27% 6.89% 4 / 16


Level of Risk in the Scheme


Sorry! Our analysts are busy working on analysing a risk rating for this scheme. Please bear with us in the meantime.

Kotak Banking and PSU Debt Fund


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.

  • Std. Dev : 2.15
  • Alpha : 4.76
  • Beta : 1.83
  • Sharpe : 1.4
  • Sortino : 2.7
Kotak Mahindra Mutual Fund

Kotak Mahindra Mutual Fund



See all schemes


₹2,83,897 Crs

As on Jun 30, 2022

  • Phone: 022-61152100 / 1800-22-2626
  • Address: The Capital Building,
    Behind ICICI Bank, G Block BKC, Bandra Kurla Complex
    Bandra (E)
    Mumbai, 400051

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Frequently asked questions

How are the returns of Kotak Banking and PSU Debt Fund ?

The Kotak Banking and PSU Debt Fund is a 9 yrs 8 m old fund and has delivered average annual returns of 8.32% since inception.

Kotak Banking and PSU Debt Fund Returns

1-Year 3-Year 5-Year Since Inception
3.39% 6.69% 7.27% 8.32%

NAV or Net Asset Value is the per-unit price of the Mutual Fund. The NAV of a Mutual Fund changes every day. It is calculated by taking the current value of the holdings of the fund at end of the day, subtracting the expenses, and dividing the value by the number of units issued to date.

The NAV of Kotak Banking and PSU Debt Fund for Sep 09, 2022 is 55.01 .

Kotak Banking and PSU Debt Fund has an ET Money Rank of # 4 of 16 and a consistency rating of 3 .

This indicates the fund has delivered above-average returns, however, the consistency at which it generates returns is not so great. If you are ok with sharp swings in your returns, you can go for this fund

On ET Money, Investing in Kotak Banking and PSU Debt Fund is fast, easy, and 100% paperless. And it takes only minutes. Here is what you need to do -

  1. Click on the Invest Now Button present on the top right-hand side.
  2. Enter your email id, select whether you want to do a one-time investment or start a SIP and add the amount
  3. Provide few more details needed including the bank account from which you will be making the payment and confirm.
  4. That's it. Your SIP or one-time investment in Kotak Banking and PSU Debt Fund is done.

The Expense Ratio of a Mutual Fund is the annual charges you pay to the Mutual Fund company for managing your investments in that fund. The Expense Ratio is a percentage of Assets Under Management (AUM) and is taken from the returns generated by the fund. For this reason, a fund with a lower expense ratio is always better because a smaller part of the returns will be taken and that means more returns for you.

The Expense Ratio of the direct plan of Kotak Banking and PSU Debt Fund is 0.36%.  .

Redeeming your investments in Kotak Banking and PSU Debt Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in Kotak Banking and PSU Debt Fund from anywhere else, you can go to the fund house website and put a request through it.

AUM or Asset Under Management is the total value of the assets held by a Mutual Fund scheme. For instance, for an equity Mutual Fund, the AUM will be the total value of its portfolio's equity shares (plus any other asset it might have invested in). The AUM of the fund changes every day because the price of the underlying asset fluctuates daily. However, the Mutual Fund company doesn't update it every day. It is updated only at the end of the month and released within few days of the next month.

The AUM of the fund is a good indicator of its popularity. A fund with a high AUM means a lot of money has been invested in it, and investors like it. However, the AUM should never be the primary criteria while selecting a fund. There are funds with huge AUMs that continue to perform well despite their size.

The AUM of Kotak Banking and PSU Debt Fund is ₹6,968 Crs.

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Kotak Banking and PSU Debt Fund allocation by credit quality is given below

Credit Quality Percentage of Portfolio
AAA 33.27%
A1+ 29.38%
SOV 25.25%

The top 3 debt holdings of Kotak Banking and PSU Debt Fund are as follows

Holding Name Percentage of Portfolio
HDFC Bank Ltd. 8.52%
GOI 7.91%
Small Industries Devp. Bank of India Ltd. 7.34%
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