Kotak Banking And Psu Debt Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 3
Rating
Growth Option 15-05-2026
NAV ₹67.96(R) -0.17% ₹71.02(D) -0.16%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 4.19% 6.78% 6.0% 6.96% 7.15%
Direct 4.56% 7.19% 6.42% 7.37% 7.56%
Benchmark
SIP (XIRR) Regular 3.5% 4.28% 3.41% 4.94% 6.13%
Direct 3.87% 4.66% 3.8% 5.36% 6.55%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.93 0.46 0.69 -0.05% -0.53
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.32% -0.23% -0.29% 0.88 0.95%
Fund AUM As on: 30/12/2025 5704 Cr
Top Banking and PSU Fund
Fund Name Rank Rating
UTI Banking & PSU Fund 1
Franklin India Banking & Psu Debt Fund 2
Kotak Banking And Psu Debt Fund 3
ICICI Prudential Banking & PSU Debt Fund 4

NAV Date: 15-05-2026

Scheme Name NAV Rupee Change Percent Change
Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option 10.23
-0.0200
-0.1600%
Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option 12.77
-0.0200
-0.1700%
Kotak Banking and PSU Debt - Growth 67.96
-0.1100
-0.1700%
Kotak Banking and PSU Debt Direct - Growth 71.02
-0.1200
-0.1600%

Review Date: 15-05-2026

Beginning of Analysis

In the Banking and PSU Debt Fund category, Kotak Banking And Psu Debt Fund is the 11th ranked fund. The category has total 20 funds. The 3 star rating shows an average past performance of the Kotak Banking And Psu Debt Fund in Banking and PSU Debt Fund. The fund has a Jensen Alpha of -0.05% which is lower than the category average of -0.27%, showing poor performance. The fund has a Sharpe Ratio of 0.93 which is higher than the category average of 0.78.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Banking and PSU Debt Mutual Funds are a category of debt mutual funds that invest primarily in debt instruments issued by banks, public sector undertakings (PSUs), and public financial institutions. These funds must allocate a minimum of 80% of their total assets in debt securities issued by these entities. Banking and PSU Debt Mutual Funds are ideal for conservative investors seeking stable returns with relatively lower risk. However, they may not be suitable for those looking for higher returns or willing to take on more risk. Investors should also consider their investment horizon and tax implications before investing in these funds.

Kotak Banking And Psu Debt Fund Return Analysis

  • The fund has given a return of -0.22%, 0.35 and 1.36 in last one, three and six months respectively. In the same period the category average return was -0.13%, 0.43% and 1.38% respectively.
  • Kotak Banking And Psu Debt Fund has given a return of 4.56% in last one year. In the same period the Banking and PSU Debt Fund category average return was 4.34%.
  • The fund has given a return of 7.19% in last three years and ranked 3.0rd out of nineteen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.94%.
  • The fund has given a return of 6.42% in last five years and ranked 3rd out of seventeen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.14%.
  • The fund has given a return of 7.56% in last ten years and ranked 1st out of fourteen funds in the category. In the same period the category average return was 7.17%.
  • The fund has given a SIP return of 3.87% in last one year whereas category average SIP return is 3.7%. The fund one year return rank in the category is 6th in 20 funds
  • The fund has SIP return of 4.66% in last three years and ranks 3rd in 19 funds. Franklin India Banking & Psu Debt Fund has given the highest SIP return (5.17%) in the category in last three years.
  • The fund has SIP return of 3.8% in last five years whereas category average SIP return is 3.62%.

Kotak Banking And Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 1.32 and semi deviation of 0.95. The category average standard deviation is 1.29 and semi deviation is 0.93.
  • The fund has a Value at Risk (VaR) of -0.23 and a maximum drawdown of -0.29. The category average VaR is -0.33 and the maximum drawdown is -0.38. The fund has a beta of 0.78 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Banking and PSU Debt Fund Category
  • Good Performance in Banking and PSU Debt Fund Category
  • Poor Performance in Banking and PSU Debt Fund Category
  • Very Poor Performance in Banking and PSU Debt Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.25
    -0.16
    		-0.40 | 0.18 18 | 20 Poor
    3M Return % 0.27
    0.35
    		-0.07 | 1.00 12 | 20 Average
    6M Return % 1.18
    1.21
    		0.65 | 2.15 8 | 20 Good
    1Y Return % 4.19
    3.97
    		2.67 | 5.53 7 | 20 Good
    3Y Return % 6.78
    6.57
    		6.13 | 7.05 5 | 19 Very Good
    5Y Return % 6.00
    5.76
    		5.14 | 7.18 3 | 17 Very Good
    7Y Return % 6.96
    6.70
    		6.03 | 7.36 3 | 15 Very Good
    10Y Return % 7.15
    6.80
    		6.27 | 7.15 1 | 14 Very Good
    1Y SIP Return % 3.50
    3.33
    		2.11 | 5.21 8 | 20 Good
    3Y SIP Return % 4.28
    4.09
    		3.62 | 4.84 3 | 19 Very Good
    5Y SIP Return % 3.41
    3.26
    		2.84 | 4.17 4 | 17 Very Good
    7Y SIP Return % 4.94
    4.77
    		4.28 | 5.69 4 | 15 Very Good
    10Y SIP Return % 6.13
    5.86
    		5.38 | 6.13 1 | 14 Very Good
    Standard Deviation 1.32
    1.29
    		0.90 | 1.83 10 | 19 Good
    Semi Deviation 0.95
    0.93
    		0.61 | 1.35 10 | 19 Good
    Max Drawdown % -0.29
    -0.38
    		-0.91 | 0.00 7 | 19 Good
    VaR 1 Y % -0.23
    -0.33
    		-1.21 | 0.00 9 | 19 Good
    Average Drawdown % -0.13
    -0.17
    		-0.38 | 0.00 7 | 19 Good
    Sharpe Ratio 0.93
    0.78
    		0.45 | 1.28 5 | 19 Very Good
    Sterling Ratio 0.69
    0.66
    		0.61 | 0.71 3 | 19 Very Good
    Sortino Ratio 0.46
    0.38
    		0.19 | 0.79 6 | 19 Good
    Jensen Alpha % -0.05
    -0.27
    		-0.90 | 0.43 7 | 19 Good
    Treynor Ratio -0.53
    -0.57
    		-0.86 | -0.41 10 | 19 Good
    Modigliani Square Measure % 7.04
    6.85
    		6.38 | 7.56 6 | 19 Good
    Alpha % -0.39
    -0.70
    		-1.19 | -0.25 4 | 19 Very Good
    Return data last Updated On : May 15, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.22 -0.13 -0.38 | 0.20 18 | 20 Poor
    3M Return % 0.35 0.43 0.00 | 1.06 12 | 20 Average
    6M Return % 1.36 1.38 0.78 | 2.29 9 | 20 Good
    1Y Return % 4.56 4.34 2.94 | 5.86 7 | 20 Good
    3Y Return % 7.19 6.94 6.46 | 7.40 3 | 19 Very Good
    5Y Return % 6.42 6.14 5.53 | 7.45 3 | 17 Very Good
    7Y Return % 7.37 7.07 6.34 | 7.71 3 | 15 Very Good
    10Y Return % 7.56 7.17 6.50 | 7.56 1 | 14 Very Good
    1Y SIP Return % 3.87 3.70 2.38 | 5.53 6 | 20 Good
    3Y SIP Return % 4.66 4.44 3.91 | 5.17 3 | 19 Very Good
    5Y SIP Return % 3.80 3.62 3.24 | 4.44 4 | 17 Very Good
    7Y SIP Return % 5.36 5.14 4.67 | 5.94 3 | 15 Very Good
    10Y SIP Return % 6.55 6.23 5.72 | 6.55 1 | 14 Very Good
    Standard Deviation 1.32 1.29 0.90 | 1.83 10 | 19 Good
    Semi Deviation 0.95 0.93 0.61 | 1.35 10 | 19 Good
    Max Drawdown % -0.29 -0.38 -0.91 | 0.00 7 | 19 Good
    VaR 1 Y % -0.23 -0.33 -1.21 | 0.00 9 | 19 Good
    Average Drawdown % -0.13 -0.17 -0.38 | 0.00 7 | 19 Good
    Sharpe Ratio 0.93 0.78 0.45 | 1.28 5 | 19 Very Good
    Sterling Ratio 0.69 0.66 0.61 | 0.71 3 | 19 Very Good
    Sortino Ratio 0.46 0.38 0.19 | 0.79 6 | 19 Good
    Jensen Alpha % -0.05 -0.27 -0.90 | 0.43 7 | 19 Good
    Treynor Ratio -0.53 -0.57 -0.86 | -0.41 10 | 19 Good
    Modigliani Square Measure % 7.04 6.85 6.38 | 7.56 6 | 19 Good
    Alpha % -0.39 -0.70 -1.19 | -0.25 4 | 19 Very Good
    Return data last Updated On : May 15, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 30, 2026
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Kotak Banking And Psu Debt Fund NAV Regular Growth Kotak Banking And Psu Debt Fund NAV Direct Growth
    15-05-2026 67.9554 71.021
    14-05-2026 68.0678 71.1379
    13-05-2026 68.0507 71.1193
    12-05-2026 68.0671 71.1357
    11-05-2026 68.1272 71.1979
    08-05-2026 68.17 71.2405
    07-05-2026 68.1536 71.2227
    06-05-2026 68.086 71.1515
    05-05-2026 67.9727 71.0324
    04-05-2026 67.9941 71.054
    30-04-2026 67.9432 70.9981
    29-04-2026 68.0298 71.0879
    28-04-2026 68.0717 71.1311
    27-04-2026 68.1111 71.1715
    24-04-2026 68.0448 71.1001
    23-04-2026 68.0846 71.1411
    22-04-2026 68.1468 71.2054
    21-04-2026 68.1482 71.2062
    20-04-2026 68.1519 71.2093
    17-04-2026 68.1222 71.1763
    16-04-2026 68.131 71.1848
    15-04-2026 68.1239 71.1767

    Fund Launch Date: 02/Jan/2000
    Fund Category: Banking and PSU Fund
    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 & 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.
    Fund Description: An open-ended debt scheme predominantly investing in debt instruments of banks, public sector undertakings, public financial institutions and municipal bonds
    Fund Benchmark: CRISIL Banking and PSU Debt Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.