Kotak Banking and PSU Debt Fund Direct Growth

Debt
Banking and PSU
Moderate Risk
+8.02%
3Y annualised
-0.01% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 09 Oct 2025
₹69.42
Rating
3
Min. SIP amount
₹100
Fund size
₹5,800.08Cr

Return calculator

Monthly SIP
One-Time
₹5,000 per month
Over the past
Total investment of 0
Would have become (%)

Holdings (57)

NameSectorInstrumentAssets
Power Finance Corporation Ltd.
FinancialNCD5.81%
SovereignGOI Sec5.23%
GOI
SovereignGOI Sec4.13%
FinancialBonds3.83%
Indian Oil Corporation Ltd.
EnergyDebenture3.34%
Power Grid Corporation Of India Ltd.
EnergyBonds3.17%
HDFC Bank Ltd.
FinancialDebenture2.70%
FinancialFRB2.65%
FinancialAd.Tier 2 Bnd2.41%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture2.39%
FinancialNCD2.29%
GOI
SovereignGOI Sec2.29%
LIC Housing Finance Ltd.
FinancialDebenture2.19%
FinancialBonds2.19%
FinancialBonds2.19%
GOI
SovereignGOI Sec1.86%
FinancialNCD1.77%
Export-Import Bank Of India
FinancialNCD1.76%
National Bank For Agriculture & Rural Development
FinancialDebenture1.76%
FinancialDebenture1.75%
National Bank For Financing Infrastructure And Development
FinancialDebenture1.70%
Union Bank of India
FinancialAdd. Tier 1 Bond1.69%
GOI
SovereignGOI Sec1.58%
HDFC Bank Ltd.
FinancialDebenture1.41%
National Housing Bank
FinancialBonds1.38%
HDFC Bank Ltd.
FinancialDebenture1.33%
Food Corporation of India
Consumer StaplesBonds1.33%
GOI
SovereignGOI FRB1.32%
Nuclear Power Corpn. Of India Ltd.
EnergyNCD1.32%
Small Industries Devp. Bank of India Ltd.
FinancialBonds/NCD1.32%
EnergyDebenture1.32%
Small Industries Devp. Bank of India Ltd.
FinancialBonds1.31%
FinancialDebenture1.24%
FinancialDebenture1.08%
National Bank For Agriculture & Rural Development
FinancialBonds1.05%
FinancialDebenture1.01%
HDFC Bank Ltd.
FinancialDebenture0.91%
Small Industries Devp. Bank of India Ltd.
FinancialBonds/NCD0.88%
Indian Railway Finance Corporation Ltd.
FinancialNCD0.88%
Food Corporation of India
Consumer StaplesNCD0.88%
HDFC Bank Ltd.
FinancialDebenture0.88%
CommunicationDebenture0.84%
HDFC Bank Ltd.
FinancialDebenture0.80%
Small Industries Devp. Bank of India Ltd.
FinancialBonds0.79%
Tamilnadu State
OthersSDL0.69%
Maharashtra State
OthersSDL0.68%
DME Development Ltd.
ConstructionDebenture0.55%
DME Development Ltd.
ConstructionDebenture0.54%
Gujarat State
ConstructionSDL0.53%
National Bank For Agriculture & Rural Development
FinancialDebenture0.44%
FinancialNCD0.44%
Maharashtra State
OthersSDL0.29%
SovereignGOI Sec0.17%
Mahanagar Telephone Nigam Ltd.
CommunicationNCD0.09%
FinancialNCD0.05%
FinancialDebenture0.02%
Gujarat State
ConstructionSDL0.01%
See All

Minimum investment amounts

Min. for 1st investment₹100
Min. for 2nd investment onwards₹100
Min. for SIP₹100

Returns and rankings

Category: Debt Banking and PSU
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns8.2%8.0%6.5%8.2%
Category average7.7%7.4%5.9%NA
Rank with in category1223NA
Understand terms

Expense ratio, exit load and tax

Expense ratio: 0.40%

Inclusive of GST

Exit load

Nil

Stamp duty

0.005% (from July 1st, 2020)

Tax implication

Returns are taxed as per your Income Tax slab.

Understand terms
Check past data

Fund management

Dharmesh Thakar
Jun 2025 - Present
View details

Education
PGeMBA in Finance
Experience
Prior to joining the Kotak AMC, he was associated with Trust Financial Consultancy Services Pvt Ltd.
Also manages these schemes

Fund house & investment objective

Fund house contact details

Address
The Capital Building, Behind ICICI Bank, G Block BKC, Bandra Kurla ComplexBandra (E) Mumbai 400051
Phone
022-61152100 / 1800-22-2626
Launch Date
05 Aug 1994
E-mail
NA
Website
Kotak Mahindra Mutual Fund
Asset Management Company
Custodian
Stock Holding Corp. of India Ltd.
Registrar & Transfer Agent
Cams
Address
7th Floor, Tower II, Rayala Towers, 158, Anna Salai,

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