Kotak Banking And Psu Debt Fund Overview
Category Banking and PSU Fund
BMSMONEY Rank 5
Rating
Growth Option 09-05-2025
NAV ₹64.84(R) -0.03% ₹67.52(D) -0.03%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 9.12% 7.44% 6.62% 7.48% 7.54%
Direct 9.52% 7.88% 7.06% 7.89% 7.94%
Benchmark
SIP (XIRR) Regular 9.45% 6.28% 6.3% 6.8% 7.11%
Direct 9.85% 6.7% 6.74% 7.23% 7.53%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
-0.07 -0.02 0.62 1.91% 0.0
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.15% 0.0% -0.66% 0.67 0.87%

NAV Date: 09-05-2025

Scheme Name NAV Rupee Change Percent Change
Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option 10.29
0.0000
-0.0300%
Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option 12.18
0.0000
-0.0300%
Kotak Banking and PSU Debt - Growth 64.84
-0.0200
-0.0300%
Kotak Banking and PSU Debt Direct - Growth 67.52
-0.0200
-0.0300%

Review Date: 09-05-2025

Beginning of Analysis

In the Banking and PSU Debt Fund category, Kotak Banking And Psu Debt Fund is the 5th ranked fund. The category has total 19 funds. The 4 star rating shows a very good past performance of the Kotak Banking And Psu Debt Fund in Banking and PSU Debt Fund. The fund has a Jensen Alpha of 1.91% which is higher than the category average of 1.9%. Here the fund has shown good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of -0.07 which is lower than the category average of -0.2.
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 0.68%, 2.84 and 4.62 in last one, three and six months respectively. In the same period the category average return was 0.71%, 2.83% and 4.59% respectively.
  • Kotak Banking And Psu Debt Fund has given a return of 9.52% in last one year. In the same period the Banking and PSU Debt Fund category average return was 9.27%.
  • The fund has given a return of 7.88% in last three years and ranked 3.0rd out of 19 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 7.62%.
  • The fund has given a return of 7.06% in last five years and ranked 3rd out of 15 funds in the category. In the same period the Banking and PSU Debt Fund category average return was 6.74%.
  • The fund has given a return of 7.94% in last ten years and ranked 3rd out of 13 funds in the category. In the same period the category average return was 7.56%.
  • The fund has given a SIP return of 9.85% in last one year whereas category average SIP return is 9.7%. The fund one year return rank in the category is 10th in 22 funds
  • The fund has SIP return of 6.7% in last three years and ranks 3rd in 19 funds. Dsp Banking & Psu Debt Fund has given the highest SIP return (6.78%) in the category in last three years.
  • The fund has SIP return of 6.74% in last five years whereas category average SIP return is 6.53%.

Kotak Banking And Psu Debt Fund Risk Analysis

  • The fund has a standard deviation of 1.15 and semi deviation of 0.87. The category average standard deviation is 1.34 and semi deviation is 0.96.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of -0.66. The category average VaR is -0.37 and the maximum drawdown is -0.87. The fund has a beta of 0.67 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

  • 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
    09-05-2025 64.8389 67.5221
    08-05-2025 64.8605 67.544
    07-05-2025 65.0002 67.6888
    06-05-2025 64.9788 67.6659
    02-05-2025 64.9491 67.6323
    30-04-2025 64.9259 67.6069
    28-04-2025 64.8571 67.5338
    25-04-2025 64.8407 67.5148
    24-04-2025 64.8856 67.5609
    23-04-2025 64.9085 67.5841
    22-04-2025 64.8708 67.5442
    21-04-2025 64.8369 67.5082
    17-04-2025 64.7398 67.4045
    16-04-2025 64.651 67.3114
    15-04-2025 64.5776 67.2344
    11-04-2025 64.5051 67.1562
    09-04-2025 64.4203 67.0666

    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.