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Kotak Banking and PSU Debt Fund Direct Growth
+7.53%
3Y annualised
+0.09% 1D
NAV: 10 Apr '26
₹71.03
Min. for SIP
₹100
Fund size (AUM)
₹5,172.76 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 | ₹61,320 | +2.20% | |
| 3 years | ₹1,80,000 | ₹1,99,547 | +10.86% | |
| 5 years | ₹3,00,000 | ₹3,56,522 | +18.84% | |
| 10 years | ₹6,00,000 | ₹8,66,722 | +44.45% |
Holdings (62)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| Power Finance Corporation Ltd. | Financial | NCD | 6.39% |
| Canara Bank | Financial | CD | 5.47% |
| Indian Oil Corporation Ltd. | Energy | Debenture | 3.68% |
| Gujarat State | Construction | SDL | 3.25% |
| Power Grid Corporation Of India Ltd. | Energy | Bonds | 3.10% |
| HDFC Bank Ltd. | Financial | Debenture | 2.97% |
| REC Ltd. | Financial | FRB | 2.91% |
| State Bank of India | Financial | Ad.Tier 2 Bnd | 2.76% |
| Small Industries Devp. Bank of India Ltd. | Financial | Debenture | 2.62% |
| REC Ltd. | Financial | NCD | 2.53% |
| LIC Housing Finance Ltd. | Financial | Debenture | 2.42% |
| National Bank For Agriculture & Rural Development | Financial | Bonds | 2.41% |
| Small Industries Devp. Bank of India Ltd. | Financial | Bonds | 2.40% |
| Power Finance Corporation Ltd. | Financial | NCD | 1.95% |
| National Bank For Agriculture & Rural Development | Financial | Debenture | 1.94% |
| Power Finance Corporation Ltd. | Financial | Debenture | 1.94% |
| Export-Import Bank Of India | Financial | NCD | 1.93% |
| ICICI Bank Ltd. | Financial | Debenture | 1.89% |
| National Bank For Financing Infrastructure And Development | Financial | Debenture | 1.87% |
| ICICI Bank Ltd. | Financial | Debenture | 1.87% |
| Union Bank of India | Financial | Add. Tier 1 Bond | 1.87% |
| Punjab National Bank | Financial | CD | 1.82% |
| National Bank For Agriculture & Rural Development | Financial | Bonds | 1.64% |
| HDFC Bank Ltd. | Financial | Debenture | 1.55% |
| National Housing Bank | Financial | Bonds | 1.50% |
| Nuclear Power Corpn. Of India Ltd. | Energy | NCD | 1.46% |
| Food Corporation of India | Consumer Staples | Bonds | 1.46% |
| Small Industries Devp. Bank of India Ltd. | Financial | Bonds/NCD | 1.45% |
| HDFC Bank Ltd. | Financial | Debenture | 1.45% |
| Small Industries Devp. Bank of India Ltd. | Financial | Bonds | 1.44% |
| Power Grid Corporation Of India Ltd. | Energy | Debenture | 1.35% |
| HDFC Bank Ltd. | Financial | Debenture | 1.35% |
| Karnataka State | Others | SDL | 1.32% |
| Tamilnadu State | Others | SDL | 1.23% |
| REC Ltd. | Financial | Debenture | 1.18% |
| REC Ltd. | Financial | Debenture | 1.11% |
| HDFC Bank Ltd. | Financial | Debenture | 1.00% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 0.97% |
| National Bank For Agriculture & Rural Development | Financial | Bonds | 0.97% |
| Food Corporation of India | Consumer Staples | NCD | 0.97% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 0.96% |
| HDFC Bank Ltd. | Financial | Debenture | 0.96% |
| Small Industries Devp. Bank of India Ltd. | Financial | Bonds/NCD | 0.96% |
| Small Industries Devp. Bank of India Ltd. | Financial | Debenture | 0.95% |
| Madhya Pradesh State | Others | SDL | 0.95% |
| ONGC Petro Additions Ltd. | Energy | Debenture | 0.94% |
| Mahanagar Telephone Nigam Ltd. | Communication | Debenture | 0.93% |
| HDFC Bank Ltd. | Financial | Debenture | 0.88% |
| Small Industries Devp. Bank of India Ltd. | Financial | Bonds | 0.87% |
| Tamilnadu State | Others | SDL | 0.76% |
| Maharashtra State | Others | SDL | 0.74% |
| Gujarat State | Construction | SDL | 0.58% |
| REC Ltd. | Financial | NCD | 0.48% |
| National Bank For Agriculture & Rural Development | Financial | Debenture | 0.48% |
| GOI | Sovereign | GOI Sec | 0.34% |
| Maharashtra State | Others | SDL | 0.32% |
| Indian Railway Finance Corporation Ltd. | Financial | Debenture | 0.10% |
| Mahanagar Telephone Nigam Ltd. | Communication | NCD | 0.10% |
| Power Finance Corporation Ltd. | Financial | NCD | 0.05% |
| Power Finance Corporation Ltd. | Financial | Debenture | 0.02% |
| Gujarat State | Construction | SDL | 0.01% |
| GOI | Sovereign | GOI Sec | 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% | +6.6% | +7.6% | +8.1% |
| Category average (Debt Banking and PSU) | +7.3% | +5.7% | +7.1% | -- |
| Rank (Debt Banking and PSU) | 2 | 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) | |
|---|---|---|---|---|
ICICI Prudential Banking & PSU Debt Direct Growth | +5.90% | +7.56% | 9,109.42 | |
TRUSTMF Banking & PSU Fund Direct Growth | +7.26% | +7.52% | 130.72 | |
UTI Banking & PSU Fund Direct Growth | +6.65% | +7.35% | 1,116.17 | |
Bandhan Banking and PSU Fund Direct Growth | +5.85% | +7.14% | 12,289.21 | |
Axis Banking & PSU Debt Direct Plan Growth | +5.73% | +7.13% | 12,598.09 | |
| 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 ₹5,36,924 Cr and the Latest NAV as of 10 Apr 2026 is ₹71.03.
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.
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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₹5,36,924.01 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,