Which has the lower expense ratio, Franklin India Banking & PSU Debt Fund - Direct - Growth or Kotak Banking and PSU Debt Direct - Growth?

Franklin India Banking & PSU Debt Fund - Direct - Growth's expense ratio is 0.23% versus Kotak Banking and PSU Debt Direct - Growth's 0.4%. A lower expense ratio directly improves your net returns over the long term, all else being equal.

Can I invest in both Franklin India Banking & PSU Debt Fund - Direct - Growth and Kotak Banking and PSU Debt Direct - Growth?

Yes, but check for portfolio overlap first if both funds are in the same category — holding two funds with very similar underlying stocks reduces the diversification benefit of investing in more than one fund.

Franklin India Banking & PSU Debt Fund - Direct - Growth vs Kotak Banking and PSU Debt Direct - Growth

Q: Franklin India Banking & PSU Debt Fund - Direct - Growth vs Kotak Banking and PSU Debt Direct - Growth — which has given better returns?

Franklin India Banking & PSU Debt Fund - Direct - Growth has a 1-year return of 5.82% versus Kotak Banking and PSU Debt Direct - Growth's 5.3%. Compare NAV, expense ratio and star rating above before deciding, and check consistency over 3-5 years rather than a single year.

Side-by-side comparison of NAV, returns, expense ratio and star rating.

Franklin India Banking & PSU Debt Fund - Direct - Growth

Franklin Templeton Mutual Fund

★★★★★

Debt · Banking and PSU Fund

Kotak Banking and PSU Debt Direct - Growth

Kotak Mahindra Mutual Fund

★★★★★

Debt · Banking and PSU Fund

Metric	Franklin India Banking...	Kotak Banking and PSU ...
NAV	₹25.09	₹72.55
Star Rating	★★★★★	★★★
Expense Ratio	0.23%	0.4%
AUM	₹583 Cr	₹5,008 Cr
1M Return	+0.54%	+1.12%
3M Return	+1.23%	+1.46%
6M Return	+2.69%	+2.5%
1Y Return	+5.82%	+5.3%
3Y CAGR	+7.39%	+7.47%
5Y CAGR	+6.27%	+6.52%
Risk Level	—	—
Fund Manager	Sachin Padwal-Desai, Umesh Sharma	Deepak Agrawal

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