DA
Deepak AgrawalLead
Since Aug 2008
AUM managed
₹1,59,985.03Cr
Tenure
Since Aug 2008
Funds
26
Kotak Banking & PSU Debt Gr
Banking and PSU FundKotak Mahindra Mutual Fund
NAV
₹69.35
-0.03% today
AUM
₹4,936.81 Cr
Fund size
Expense
0.75%
Regular plan
Min SIP
₹100
per month
Min Lumpsum
₹100
one-time
Exit Load
0.0
on redemption
Fund snapshot
Category rank#11 of 20
Risk-o-meterLow to Moderate Risk
BenchmarkCRISIL Banking and PSU Debt TR INR (100%)
Number of holdings58
Inception29 Dec 1998
Exit load0.0
Debt metrics
Modified duration3.27 yrs
Average maturity4.91 yrs
Yield to maturity7.37%
Average credit qualityAAA
Standard deviation1.65%
Capital gains tax
Debt
STCG · short-term
Slab RateShort-term gains taxed at slab rate
Debt fund gains are taxed at your income slab rate.
LTCG · long-term
Slab RateLong-term gains taxed at slab rate
Debt fund gains are taxed at your income slab rate.
Debt and other non-equity mutual fund gains are taxed at the investor's slab rate.
Fund managers
DT
Since Jun 2025
AUM managed
₹17,030.08Cr
Tenure
Since Jun 2025
Funds
2
DT
Since Jun 2025
AUM managed
₹4,936.81Cr
Tenure
Since Jun 2025
Funds
1
About Kotak Banking & PSU Debt Gr
Kotak Banking & PSU Debt Gr is an open-ended Banking and PSU Fund mutual fund scheme offered by Kotak Mahindra Mutual Fund under the regular plan with the growth option. Its latest net asset value (NAV) is ₹69.35 per unit and the scheme manages ₹4,936.81 Cr in assets under management. The fund charges an expense ratio of 0.75% and is benchmarked against CRISIL Banking and PSU Debt TR INR (100%). Over the trailing 5 years, Kotak Banking & PSU Debt Gr has delivered +5.90% returns. SEBI's riskometer places this scheme in the Low to Moderate Risk category, so read the scheme information document before investing.
Investment objective
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.
Regular Plan · Growth option · NAV as of 15 Oct 2026
Kotak Banking & PSU Debt Gr returns
| Period | Fund | Category average |
|---|---|---|
| 1 month | -0.18% | -0.17% |
| 3 months | +0.06% | +0.45% |
| 6 months | +1.81% | +2.15% |
| 1 year | +3.96% | +3.85% |
| 3 years | +6.76% | +6.59% |
| 5 years | +5.90% | +5.83% |
Rolling returns
| Period | Fund | Category average |
|---|---|---|
| 1 month | -- | +0.14% |
| 3 months | +2.16% | +0.42% |
| 6 months | +2.31% | +2.73% |
| 1 year | +5.46% | +4.21% |
| 3 years | +22.44% | +18.81% |
| 5 years | +35.38% | +28.81% |
Past performance is not indicative of future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
Kotak Banking & PSU Debt Gr — frequently asked questions
What is the NAV of Kotak Banking & PSU Debt Gr?
The latest net asset value (NAV) of Kotak Banking & PSU Debt Gr is ₹69.35 per unit, -0.03% over the previous trading day. NAV is declared by the AMC at the end of every business day.
What returns has Kotak Banking & PSU Debt Gr delivered?
Kotak Banking & PSU Debt Gr has returned +5.90% over the trailing 5 years (1 year: +3.96%, 3 years: +6.76%). Returns beyond one year are annualised. Past performance does not guarantee future returns.
What is the expense ratio of Kotak Banking & PSU Debt Gr?
Kotak Banking & PSU Debt Gr charges an expense ratio of 0.75% per annum. The expense ratio is deducted from the scheme's assets, so the NAV you see is already net of it.
How risky is Kotak Banking & PSU Debt Gr?
SEBI's riskometer classifies Kotak Banking & PSU Debt Gr as Low to Moderate Risk, which is typical for a Banking and PSU Fund scheme. Match the scheme's risk level to your own risk tolerance and investment horizon before investing.
What is the minimum investment in Kotak Banking & PSU Debt Gr?
You can start a SIP in Kotak Banking & PSU Debt Gr from ₹100 per month, and the minimum lumpsum investment is ₹100.
Who manages Kotak Banking & PSU Debt Gr?
Kotak Banking & PSU Debt Gr is managed by Kotak Mahindra Mutual Fund, holds ₹4,936.81 Cr in assets under management and invests across 58 holdings. This page covers the regular plan with the growth option.
Scheme identifiers
- Fund house
- Kotak Mahindra Mutual Fund
- Scheme category
- Debt
- Scheme sub-category
- Banking and PSU Fund
- Plan
- Regular plan
- Option
- Growth
- ISIN
- INF174K01FO3
- Scheme code
- FSGBR072IP