Kotak Banking And Psu Debt Fund Datagrid
Category Banking and PSU Fund
BMSMONEY Rank 3
Rating
Growth Option 03-07-2026
NAV ₹69.49(R) +0.06% ₹72.66(D) +0.06%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 5.6% 7.37% 6.33% 6.95% 7.28%
Direct 5.97% 7.78% 6.75% 7.36% 7.68%
Benchmark
SIP (XIRR) Regular 6.86% 7.24% 6.98% 6.7% 6.96%
Direct 7.23% 7.63% 7.39% 7.11% 7.37%
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: 03-07-2026

Scheme Name NAV Rupee Change Percent Change
Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option 10.35
0.0100
0.0600%
Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option 13.06
0.0100
0.0600%
Kotak Banking and PSU Debt - Growth 69.49
0.0400
0.0600%
Kotak Banking and PSU Debt Direct - Growth 72.66
0.0400
0.0600%

Review Date: 03-07-2026

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 Kotak Banking And Psu Debt Fund has shown an average past performence 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 2.17%, 2.94 and 3.33 in last one, three and six months respectively. In the same period the category average return was 1.88%, 2.77% and 3.1% respectively.
  • Kotak Banking And Psu Debt Fund has given a return of 5.97% in last one year. In the same period the Banking and PSU Debt Fund category average return was 5.52%.
  • The fund has given a return of 7.78% in last three years and ranked 1.0st out of nineteen funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.42%.
  • The fund has given a return of 6.75% 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 6.48%.
  • The fund has given a return of 7.68% in last ten years and ranked 1st out of fourteen funds in the category. In the same period the category average return was 7.27%.
  • The fund has given a SIP return of 7.23% in last one year whereas category average SIP return is 6.59%. The fund one year return rank in the category is 3rd in 20 funds
  • The fund has SIP return of 7.63% in last three years and ranks 1st in 19 funds. The fund has given the highest SIP return in the category in last three years.
  • The fund has SIP return of 7.39% in last five years whereas category average SIP return is 7.1%.

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 % 2.14
    1.85
    		1.16 | 2.39 4 | 20 Very Good
    3M Return % 2.85
    2.69
    		1.83 | 3.21 7 | 20 Good
    6M Return % 3.15
    2.93
    		2.37 | 3.55 4 | 20 Very Good
    1Y Return % 5.60
    5.15
    		4.13 | 6.12 4 | 20 Very Good
    3Y Return % 7.37
    7.05
    		6.66 | 7.38 2 | 19 Very Good
    5Y Return % 6.33
    6.09
    		5.54 | 7.41 3 | 17 Very Good
    7Y Return % 6.95
    6.70
    		6.13 | 7.12 3 | 15 Very Good
    10Y Return % 7.28
    6.91
    		6.40 | 7.28 1 | 14 Very Good
    1Y SIP Return % 6.86
    6.22
    		5.06 | 7.16 3 | 20 Very Good
    3Y SIP Return % 7.24
    6.88
    		6.37 | 7.24 1 | 19 Very Good
    5Y SIP Return % 6.98
    6.72
    		6.31 | 7.33 3 | 17 Very Good
    7Y SIP Return % 6.70
    6.48
    		6.07 | 7.18 3 | 15 Very Good
    10Y SIP Return % 6.96
    6.66
    		6.23 | 6.96 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 : July 3, 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 % 2.17 1.88 1.18 | 2.41 4 | 20 Very Good
    3M Return % 2.94 2.77 1.96 | 3.28 7 | 20 Good
    6M Return % 3.33 3.10 2.52 | 3.70 4 | 20 Very Good
    1Y Return % 5.97 5.52 4.44 | 6.44 4 | 20 Very Good
    3Y Return % 7.78 7.42 6.99 | 7.78 1 | 19 Very Good
    5Y Return % 6.75 6.48 5.93 | 7.68 3 | 17 Very Good
    7Y Return % 7.36 7.07 6.41 | 7.45 2 | 15 Very Good
    10Y Return % 7.68 7.27 6.59 | 7.68 1 | 14 Very Good
    1Y SIP Return % 7.23 6.59 5.38 | 7.48 3 | 20 Very Good
    3Y SIP Return % 7.63 7.25 6.81 | 7.63 1 | 19 Very Good
    5Y SIP Return % 7.39 7.10 6.79 | 7.61 3 | 17 Very Good
    7Y SIP Return % 7.11 6.84 6.43 | 7.44 3 | 15 Very Good
    10Y SIP Return % 7.37 7.03 6.52 | 7.37 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 : July 3, 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
    03-07-2026 69.4941 72.6634
    02-07-2026 69.4551 72.622
    01-07-2026 69.3779 72.5405
    30-06-2026 69.3656 72.5269
    29-06-2026 69.2761 72.4326
    25-06-2026 69.1644 72.3132
    24-06-2026 69.0431 72.1856
    23-06-2026 68.9999 72.1397
    22-06-2026 68.9625 72.1
    19-06-2026 68.9363 72.0705
    18-06-2026 68.9213 72.0541
    17-06-2026 68.8749 72.0049
    16-06-2026 68.8871 72.017
    15-06-2026 68.8799 72.0088
    12-06-2026 68.8087 71.9322
    11-06-2026 68.7309 71.8502
    10-06-2026 68.789 71.9102
    09-06-2026 68.7157 71.833
    08-06-2026 68.5226 71.6303
    05-06-2026 68.3638 71.4623
    04-06-2026 68.1175 71.2042
    03-06-2026 68.0401 71.1226

    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.