HealthyDirect · Growth
Kotak Banking and PSU Debt Fund
Kotak Mahindra Mutual FundDebt Scheme - Banking and PSU Fund13.1 years
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.
- NAV
- 72.7012
- 15 Sept 2026
- 1Y
- +5.6%
- Trailing CAGR
- AUM
- ₹4,936.81 Cr
- 31 Aug 2026
- Volatility
- Low
- 1.5% annualized
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+5.6%
- 3Y+7.3%
- 5Y+6.4%
- 10Y+7.4%
- SI+8.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+4.9%
- 3Y+6.7%
- 5Y+6.9%
- 10Y+7.1%
- Since inception
- +8.0%
- Calendar-day CAGR
- Excess 1Y
- +0.4%
- Category median, same plan and option
- 3Y win rate
- +72%
- Windows beating the median
- 3Y percentile
- 75
- Vs comparable share classes
- Worst rolling 3Y
- +5.1%
- 2440 daily-ending windows
- Median rolling 3Y
- +8.1%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1955 daily-ending windows
- SIP 3Y XIRR
- +6.7%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 296 recovered episodes
- Longest recovery
- 75 days
- Trough to prior peak
- Current spell
- 32 days
- Days below latest peak
- Time below peak
- +41%
- NAV observations
6 Mar 2020 – 20 Apr 2020
Trough 24 Mar 2020 · recovered in 27 days
-2.8%
8 Jan 2021 – 26 Apr 2021
Trough 17 Mar 2021 · recovered in 40 days
-1.4%
9 Apr 2018 – 2 Jul 2018
Trough 17 May 2018 · recovered in 46 days
-1.1%
23 Apr 2020 – 6 May 2020
Trough 29 Apr 2020 · recovered in 7 days
-1.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
75
Vs category
52
Consistency
67
Risk-adjusted
100
Drawdown
93
Mean
78
Portfolio
31 Aug 2026 · 64 holdings · top 10 are 35.7%.
- Top 5
- 21.3%
- Top 10
- 35.7%
- Largest holding
- 6.7%
- Effective holdings
- 41.4
POWER FINANCE CORPORATION LIMITED SR 237A 7.60 BD 13AP29 FVRS1LAC
Financial
6.7%
Repo
Unspecified
4.1%
NATIONAL BANK FOR FINANCING INFRASTRUCTURE AND DEVELOPMENT SR NABFID20272 7.3700 BD 16JL29 FVRS1LAC
Financial
4.0%
POWER GRID CORPORATION OF INDIA LIMITED SR LXXIV 7.70 BD 12OT33 FVRS1LAC
Energy & Utilities
3.3%
Net Current Assets
Unspecified
3.3%
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 15 Sept 2026
Healthy
Engine status
Healthy
Doing its job
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 72% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
ITI Banking & PSU Debt Fund
ITI Mutual Fund
- 1Y
- +5.1%
- 3Y
- +7.0%
- Vol
- 0.8%
- Max DD
- -1.1%
- Sharpe
- 1.27
- 3Y win
- +52%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Franklin India Banking & PSU Debt Fund
Franklin Templeton Mutual Fund
- 1Y
- +6.5%
- 3Y
- +7.5%
- Vol
- 1.7%
- Max DD
- -3.6%
- Sharpe
- 1.49
- 3Y win
- +31%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
HDFC Banking and PSU Debt Fund
HDFC Mutual Fund
- 1Y
- +5.3%
- 3Y
- +7.2%
- Vol
- 1.6%
- Max DD
- -3.1%
- Sharpe
- 1.62
- 3Y win
- +45%
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns