Which has the lower expense ratio, Kotak Banking and PSU Debt - Growth or UTI Banking & PSU Fund - Direct Plan - Growth Option?

Kotak Banking and PSU Debt - Growth's expense ratio is 0.4% versus UTI Banking & PSU Fund - Direct Plan - Growth Option's 0.25%. A lower expense ratio directly improves your net returns over the long term, all else being equal.

Can I invest in both Kotak Banking and PSU Debt - Growth and UTI Banking & PSU Fund - Direct Plan - Growth Option?

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.

Kotak Banking and PSU Debt - Growth vs UTI Banking & PSU Fund - Direct Plan - Growth Option

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

Kotak Banking and PSU Debt - Growth has a 1-year return of 5.3% versus UTI Banking & PSU Fund - Direct Plan - Growth Option's 5.51%. 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.

Kotak Banking and PSU Debt - Growth

Kotak Mahindra Mutual Fund

★★★★★

Debt · Banking and PSU Fund

UTI Banking & PSU Fund - Direct Plan - Growth Option

UTI Mutual Fund

★★★★★

Debt · Banking and PSU Fund

Metric	Kotak Banking and PSU ...	UTI Banking & PSU Fund...
NAV	₹69.37	₹23.76
Star Rating	★★★	★★★★★
Expense Ratio	0.4%	0.25%
AUM	₹5,008 Cr	₹1,226 Cr
1M Return	+1.12%	+0.52%
3M Return	+1.46%	+1.49%
6M Return	+2.5%	+2.65%
1Y Return	+5.3%	+5.51%
3Y CAGR	+7.47%	+7.15%
5Y CAGR	+6.52%	+7.48%
Risk Level	—	—
Fund Manager	Deepak Agrawal	Sudhir Agrawal

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