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Invest in direct mutual funds at zero charges via lump sump investments or SIPs
Kotak Banking and PSU Debt Fund Direct Growth
+7.47%
3Y annualised
+0.11% 1D
NAV: 12 Jun '26
₹71.93
Min. for SIP
₹100
Fund size (AUM)
₹5,008.73 Cr
Expense ratio
0.40%
Rating
3
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹61,610 | +2.68% | |
| 3 years | ₹1,80,000 | ₹1,99,648 | +10.92% | |
| 5 years | ₹3,00,000 | ₹3,57,199 | +19.07% | |
| 10 years | ₹6,00,000 | ₹8,66,494 | +44.42% |
Holdings (67)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| POWER FINANCE CORPORATION LIMITED SR 237A 7.60 BD 13AP29 FVRS1LAC | Financial | Non Convertible Debenture | 6.43% |
| CANARA BANK CD 28JAN27 | Financial | Certificate of Deposit | 5.09% |
| INDIAN OIL CORPORATION LIMITED SR XXVI 7.36 NCD 16JL29 FVRS1LAC | Energy & Utilities | Debenture | 3.70% |
| STATE DEVELOPMENT LOAN 36738 GUJ 26NV32 6.98 FV RS 100 | Industrials | State Development Loan | 3.27% |
| POWER GRID CORPORATION OF INDIA LIMITED SR LXXIV 7.70 BD 12OT33 FVRS1LAC | Energy & Utilities | Bonds | 3.13% |
| HDFC BANK LIMITED SR V004 8.55 NCD 27MR29 FVRS10LAC | Financial | Debenture | 2.98% |
| REC LIMITED SR 220-B 7.69 BD 31MR33 FVRS1LAC | Financial | Floating Rate Bond | 2.92% |
| STATE DEVELOPMENT LOAN 37024 GUJ 04FB32 7.17 FV RS 100 | Industrials | State Development Loan | 2.88% |
| Net Current Assets | Unspecified | Net Current Assets | 2.86% |
| STATE BANK OF INDIA SR I 6.80 BD 21AG35 FVRS10LAC | Financial | Additional Tier 2 Bond | 2.78% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR V 7.83 BD 24NV28 FVRS1LAC | Financial | Debenture | 2.64% |
| RURAL ELECTRIFICATION CORPORATION LIMITED 7.77 SR 220-A BD 31MR28 FVRS1LAC | Financial | Non Convertible Debenture | 2.55% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC | Financial | Bonds | 2.43% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR III 7.34 BD 26FB29 FVRS1LAC | Financial | Bonds | 2.42% |
| POWER FINANCE CORPORATION LTD. SERIES 203 B 7.75 BD 11JU30 FV10LAC | Financial | Non Convertible Debenture | 1.96% |
| POWER FINANCE CORPORATION LTD. SR BS221B 7.59 BD 17JN28 FVRS10LAC | Financial | Debenture | 1.95% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 24H 7.62 BD 10MY29 FVRS1LAC | Financial | Debenture | 1.94% |
| EXPORT IMPORT BANK OF INDIA SR Z02 7.40 BD 14MR29 FVRS1LAC | Financial | Non Convertible Debenture | 1.94% |
| ICICI BANK LIMITED SR DNV25T2 7.40 BD 28NV40 FVRS1CR | Financial | Debenture | 1.91% |
| ICICI BANK LIMITED SR DJU21LB 6.45 BD 15JU28 FVRS10LAC | Financial | Debenture | 1.91% |
| Union Bank of India SR-XX Additional Tier 1 Bo 9.50 | Financial | Additional Tier 1 Bond | 1.89% |
| NATIONAL BANK FOR FINANCING INFRASTRUCTURE AND DEVELOPMENT SR NABFID2026-3 6.67 BD 30MY30 FVRS1LAC | Financial | Debenture | 1.88% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25E 7.53 BD 24MR28 FVRS1LAC | Financial | Bonds | 1.66% |
| NATIONAL HOUSING BANK 7.14 BD 17NV34 FVRS1LAC | Financial | Bonds | 1.51% |
| FOOD CORPORATION OF INDIA 8.8 LOA 22MR28 FVRS10LAC | Consumer Staples | Bonds | 1.47% |
| 7.7% Nuclear Power Corporation Of India Limited | Energy & Utilities | Non Convertible Debenture | 1.47% |
| LIC HOUSING FINANCE LTD.** | Financial | Debenture | 1.46% |
| HDFC BANK LIMITED SR US002 7.80 NCD 03MY33 FVRS1LAC | Financial | Debenture | 1.46% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR II 7.47 BD 05SP29 FVRS1LAC | Financial | Bonds/NCDs | 1.45% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR IX 7.39 BD 21MR30 FVRS1LAC | Financial | Bonds | 1.45% |
| POWER GRID CORPORATION OF INDIA LIMITED SR LXX 7.40 BD 17FB33 FVRS1LAC | Energy & Utilities | Debenture | 1.37% |
| HDFC BANK LIMITED SR AA010 7.80 NCD 06SP32 FVRS10LAC | Financial | Debenture | 1.36% |
| STATE DEVELOPMENT LOAN 37028 KAR 04FB35 7.49 FV RS 100 | Unspecified | State Development Loan | 1.33% |
| STATE DEVELOPMENT LOAN 37068 TN 11FB36 7.54 FV RS 100 | Unspecified | State Development Loan | 1.25% |
| RURAL ELECTRIFICATION CORPORATION LIMITED SR I 8.01 BD 24MR28 FVRS10LAC | Financial | Debenture | 1.19% |
| Repo | Unspecified | Repo | 1.12% |
| REC LIMITED SR XII 6.45 BD 07JN31 FVRS10LAC | Financial | Debenture | 1.12% |
| HDFC BANK LIMITED SR U003 9 NCD 01NV28 FVRS10LAC | Financial | Debenture | 1.00% |
| HDFC BANK LIMITED SR AB001 7.69 NCD 27JN33 FVRS1LAC | Financial | Debenture | 0.97% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 178 7.46 BD 18JU29 FVRS1LAC | Financial | Non Convertible Debenture | 0.97% |
| FOOD CORPORATION OF INDIA SR VII A 7.60 LOA 09JN30 FVRS10LAC | Consumer Staples | Non Convertible Debenture | 0.97% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 181 7.37 BD 31JL29 FVRS1LAC | Financial | Non Convertible Debenture | 0.97% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25C 7.44 BD 24FB28 FVRS1LAC | Financial | Bonds | 0.97% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR VII 7.42 BD 12MR29 FVRS1LAC | Financial | Bonds/NCDs | 0.97% |
| STATE DEVELOPMENT LOAN 35726 MP 19MR32 7.14 FV RS 100 | Unspecified | State Development Loan | 0.96% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR II 6.74 BD 10JN29 FVRS1LAC | Financial | Debenture | 0.95% |
| ONGC PETRO ADDITIONS LIMITED SR XIV 6.99 NCD 30OT30 FVRS1LAC | Energy & Utilities | Debenture | 0.94% |
| MAHANAGAR TELEPHONE NIGAM LIMITED. SR V/2020 7.05 LOA 110T30 FVRS10LAC | Technology | Debenture | 0.93% |
| HDFC BANK LIMITED SR AB002 7.97 NCD 17FB33 FVRS1LAC | Financial | Debenture | 0.88% |
| STATE DEVELOPMENT LOAN 36510 TN 17SP33 7.19 FV RS 100 | Unspecified | State Development Loan | 0.76% |
| STATE DEVELOPMENT LOAN 33896 MH 31JN35 7.63 FV RS 100 | Unspecified | State Development Loan | 0.75% |
| STATE DEVELOPMENT LOAN 33928 GUJ 07FB31 7.42 FV RS 100 | Industrials | State Development Loan | 0.59% |
| HDFC BANK LIMITED SR US006 7.75 NCD 13JU33 FVRS1LAC | Financial | Debenture | 0.58% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25A 7.70 BD 30SP27 FVRS1LAC | Financial | Debenture | 0.49% |
| REC LIMITED SR 223B 7.46 BD 30JU28 FVRS1LAC | Financial | Debenture | 0.49% |
| RURAL ELECTRIFICATION CORPORATION LIMITED SR 156 7.7 BD 10DC27 FVRS10LAC | Financial | Non Convertible Debenture | 0.49% |
| REC LIMITED SR 248A 6.52 BD 31JN28 FVRS1LAC | Financial | Debenture | 0.48% |
| PUNJAB NATIONAL BANK CD 04FEB27 | Financial | Certificate of Deposit | 0.46% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 0.35% |
| Others Class A2 AIF | Unspecified | Alternative Investment Fund | 0.35% |
| STATE DEVELOPMENT LOAN 36420 MH 10SP33 7.18 FV RS 100 | Unspecified | State Development Loan | 0.32% |
| IRFC TX SR-16E SR 167 7.65 BD 30DC32 FVRS10LAC | Financial | Debenture | 0.10% |
| MAHANAGAR TELEPHONE NIGAM LIMITED. SR VIII TR C 7.80 BD 07NV33 FVRS1LAC | Technology | Non Convertible Debenture | 0.10% |
| POWER FINANCE CORPORATION LTD. SERIES 184 B 9.10 BD 23MR29 FVRS10LAC | Financial | Non Convertible Debenture | 0.05% |
| POWER FINANCE CORPORATION LTD. SR 223 7.64 BD 22FB33 FVRS1LAC | Financial | Debenture | 0.02% |
| STATE DEVELOPMENT LOAN 29648 GUJ 04NV30 6.46 FV RS 100 | Industrials | State Development Loan | 0.01% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 0.00% |
See All
Minimum investments
Min. for 1st investment
₹100
Min. for 2nd investment
₹100
Min. for SIP
₹100
Returns and rankings
Annualised returns
Absolute returns
| Name | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +7.5% | +6.5% | +7.6% | +8.1% |
| Category average (Debt Banking and PSU) | +7.3% | +5.7% | +7.1% | -- |
| Rank (Debt Banking and PSU) | 1 | 3 | 1 | -- |
Exit load, stamp duty and tax
Exit load
Nil
Stamp duty on investment: 0.005% (from July 1st, 2020)
from July 1st 2020
Tax implication
Returns are taxed as per your Income Tax slab.
Check past data
Compare similar funds
| Name | 1Y | 3Y | Fund Size(Cr) | |
|---|---|---|---|---|
 | +5.39% | +7.46% | 8,943.23 | |
 | +5.82% | +7.39% | 583.15 | |
 | +5.51% | +7.15% | 1,226.91 | |
 | +5.38% | +7.11% | 12,043.76 | |
 | +5.05% | +7.07% | 12,219.33 | |
| Compare | ||||
Fund management
DADeepak AgrawalJan 2013 - PresentView details
DA
Deepak Agrawal
Jan 2013 - Present
View details
DTDharmesh ThakarJun 2025 - PresentView details
DT
Dharmesh Thakar
Jun 2025 - Present
View details
About Kotak Banking and PSU Debt Fund Direct Growth
Kotak Banking and PSU Debt Fund Direct Growth is a Debt Mutual Fund Scheme launched by Kotak Mahindra Mutual Fund. This scheme was made available to investors on 05 Aug 1994. Deepak Agrawal is the Current Fund Manager of Kotak Banking and PSU Debt Fund Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹5,85,946 Cr and the Latest NAV as of 12 Jun 2026 is ₹71.93.
The Kotak Banking and PSU Debt Fund Direct Growth is rated Moderate risk. Minimum SIP Investment is set to ₹100. Minimum Lumpsum Investment is ₹100.
;
Investment Objective
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.;
Fund benchmarkCRISIL Banking and PSU Debt A-II Index
Fund house
Rank (total assets)#5 in India
Total AUM₹5,85,945.71 Cr
Date of Incorporation05 Aug 1994
Launch Date05 Aug 1994
AddressThe Capital Building, Behind ICICI Bank, G Block BKC, Bandra Kurla ComplexBandra (E) Mumbai 400051
Websitewww.camsonline.com
Address7th Floor, Tower II, Rayala Towers, 158, Anna Salai,