Kotak Banking And Psu Debt Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 4
Rating
Growth Option 30-09-2026
NAV ₹69.54(R) +0.07% ₹72.77(D) +0.07%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 4.98% 6.87% 5.98% 6.58% 6.94%
Direct 5.35% 7.27% 6.4% 6.99% 7.34%
Benchmark
SIP (XIRR) Regular 4.49% 2.26% 5.13% 5.28% 5.38%
Direct 4.85% 2.63% 5.54% 5.69% 5.79%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.91 0.52 0.71 -0.37% 0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.58% -0.23% -0.28% 0.99 1.01%
Fund AUM As on: 30/12/2025 5704 Cr
Top Banking and PSU Fund
Fund Name Rank Rating
Franklin India Banking & Psu Debt Fund 1
ICICI Prudential Banking & PSU Debt Fund 2
UTI Banking & PSU Fund 3
Kotak Banking And Psu Debt Fund 4

NAV Date: 30-09-2026

Scheme Name NAV Rupee Change Percent Change
Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option 10.22
0.0100
0.0700%
Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option 13.06
0.0100
0.0700%
Kotak Banking and PSU Debt - Growth 69.54
0.0500
0.0700%
Kotak Banking and PSU Debt Direct - Growth 72.77
0.0500
0.0700%

Review Date: 30-09-2026

Beginning of Analysis

Kotak Banking And Psu Debt Fund is the 11th ranked fund in the Banking and PSU Debt Fund category. 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 -0.37% which is lower than the category average of -0.45%, showing poor performance. The fund has a Sharpe Ratio of 0.91 which is higher than the category average of 0.81.
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 0.16%, 0.34 and 2.93 in last one, three and six months respectively. In the same period the category average return was 0.18%, 0.58% and 3.13% respectively.
  • Kotak Banking And Psu Debt Fund has given a return of 5.35% in last one year. In the same period the Banking and PSU Debt Fund category average return was 5.01%.
  • The fund has given a return of 7.27% 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 7.06%.
  • The fund has given a return of 6.4% in last five years and ranked 4th out of seventeen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.26%.
  • The fund has given a return of 7.34% in last ten years and ranked 1st out of fourteen funds in the category. In the same period the category average return was 7.01%.
  • The fund has given a SIP return of 4.85% in last one year whereas category average SIP return is 4.94%. The fund one year return rank in the category is 8th in 20 funds
  • The fund has SIP return of 2.63% in last three years and ranks 6th in 19 funds. UTI Banking & PSU Fund has given the highest SIP return (3.19%) in the category in last three years.
  • The fund has SIP return of 5.54% in last five years whereas category average SIP return is 5.4%.

Kotak Banking And Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 1.58 and semi deviation of 1.01. The category average standard deviation is 1.46 and semi deviation is 0.96.
  • The fund has a Value at Risk (VaR) of -0.23 and a maximum drawdown of -0.28. The category average VaR is -0.33 and the maximum drawdown is -0.36. 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 % 0.14
    0.15
    		-0.13 | 0.49 10 | 20 Good
    3M Return % 0.25
    0.49
    		-0.14 | 1.50 15 | 20 Average
    6M Return % 2.75
    2.95
    		2.41 | 3.45 16 | 20 Poor
    1Y Return % 4.98
    4.65
    		3.81 | 5.80 5 | 20 Very Good
    3Y Return % 6.87
    6.68
    		6.20 | 7.18 4 | 19 Very Good
    5Y Return % 5.98
    5.88
    		5.22 | 7.48 4 | 17 Very Good
    7Y Return % 6.58
    6.38
    		5.79 | 7.19 4 | 15 Very Good
    10Y Return % 6.94
    6.64
    		6.20 | 6.94 1 | 14 Very Good
    1Y SIP Return % 4.49
    4.60
    		3.63 | 6.17 9 | 19 Good
    3Y SIP Return % 2.26
    2.15
    		1.62 | 2.94 6 | 18 Good
    5Y SIP Return % 5.13
    5.02
    		4.59 | 5.88 5 | 16 Good
    7Y SIP Return % 5.28
    5.16
    		4.74 | 6.11 4 | 14 Very Good
    10Y SIP Return % 5.38
    5.16
    		4.73 | 5.41 4 | 13 Very Good
    Standard Deviation 1.58
    1.46
    		0.98 | 2.08 14 | 19 Average
    Semi Deviation 1.01
    0.96
    		0.63 | 1.41 11 | 19 Average
    Max Drawdown % -0.28
    -0.36
    		-0.89 | 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
    		0.00 | 0.38 13 | 19 Average
    Sharpe Ratio 0.91
    0.81
    		0.53 | 1.29 6 | 19 Good
    Sterling Ratio 0.71
    0.67
    		0.63 | 0.71 2 | 19 Very Good
    Sortino Ratio 0.52
    0.44
    		0.26 | 0.81 6 | 19 Good
    Jensen Alpha % -0.37
    -0.45
    		-1.09 | 0.42 6 | 19 Good
    Treynor Ratio 0.02
    0.02
    		0.01 | 0.03 7 | 19 Good
    Modigliani Square Measure % 1.32
    1.18
    		0.77 | 1.88 6 | 19 Good
    Alpha % -0.42
    -0.75
    		-1.08 | -0.29 2 | 19 Very Good
    Return data last Updated On : Sept. 30, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.16 0.18 -0.11 | 0.51 10 | 20 Good
    3M Return % 0.34 0.58 -0.07 | 1.56 15 | 20 Average
    6M Return % 2.93 3.13 2.68 | 3.58 15 | 20 Average
    1Y Return % 5.35 5.01 4.09 | 6.10 5 | 20 Very Good
    3Y Return % 7.27 7.06 6.53 | 7.46 3 | 19 Very Good
    5Y Return % 6.40 6.26 5.61 | 7.75 4 | 17 Very Good
    7Y Return % 6.99 6.75 6.08 | 7.41 4 | 15 Very Good
    10Y Return % 7.34 7.01 6.45 | 7.34 1 | 14 Very Good
    1Y SIP Return % 4.85 4.94 3.91 | 6.43 8 | 20 Good
    3Y SIP Return % 2.63 2.49 1.92 | 3.19 6 | 19 Good
    5Y SIP Return % 5.54 5.40 4.99 | 6.16 4 | 17 Very Good
    7Y SIP Return % 5.69 5.52 5.13 | 6.37 4 | 15 Very Good
    10Y SIP Return % 5.79 5.52 5.06 | 5.79 1 | 14 Very Good
    Standard Deviation 1.58 1.46 0.98 | 2.08 14 | 19 Average
    Semi Deviation 1.01 0.96 0.63 | 1.41 11 | 19 Average
    Max Drawdown % -0.28 -0.36 -0.89 | 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 0.00 | 0.38 13 | 19 Average
    Sharpe Ratio 0.91 0.81 0.53 | 1.29 6 | 19 Good
    Sterling Ratio 0.71 0.67 0.63 | 0.71 2 | 19 Very Good
    Sortino Ratio 0.52 0.44 0.26 | 0.81 6 | 19 Good
    Jensen Alpha % -0.37 -0.45 -1.09 | 0.42 6 | 19 Good
    Treynor Ratio 0.02 0.02 0.01 | 0.03 7 | 19 Good
    Modigliani Square Measure % 1.32 1.18 0.77 | 1.88 6 | 19 Good
    Alpha % -0.42 -0.75 -1.08 | -0.29 2 | 19 Very Good
    Return data last Updated On : Sept. 30, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 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
    30-09-2026 69.5367 72.7701
    29-09-2026 69.4887 72.7192
    28-09-2026 69.4731 72.7021
    25-09-2026 69.5141 72.7429
    24-09-2026 69.5446 72.7742
    23-09-2026 69.6348 72.8678
    22-09-2026 69.6046 72.8355
    21-09-2026 69.6086 72.8391
    18-09-2026 69.5901 72.8176
    17-09-2026 69.5421 72.7667
    16-09-2026 69.521 72.7439
    15-09-2026 69.4809 72.7012
    11-09-2026 69.5671 72.7886
    10-09-2026 69.6576 72.8826
    09-09-2026 69.6762 72.9014
    08-09-2026 69.6556 72.8791
    07-09-2026 69.6493 72.8718
    04-09-2026 69.6175 72.8364
    03-09-2026 69.5778 72.7942
    02-09-2026 69.4994 72.7115
    01-09-2026 69.4506 72.6598
    31-08-2026 69.4423 72.6503

    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.