Data shown is for informational purposes only and does not constitute investment advice. TopFund is not SEBI-registered. Consult a SEBI-registered advisor before investing.
Kotak Banking and PSU Debt Direct - Growth
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 3/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 67/100 · Good
How this score is calculated
- Star rating (35%)3/5
- 3Y CAGR (30%)7.25%
- Expense ratio (20%)0.4023%
- AUM (15%)₹4,937 Cr
Not investment advice — an analytical read of public fund data. Methodology →
Kotak Mahindra Mutual Fund · Debt · Banking and PSU
₹72.74
AUM: ₹4,936 Cr
NAV updated 3 days ago
Plan
Direct
Option
Growth
Risk
Moderate
Expense Ratio
0.4023%
Exit Load
Nil
Fund Manager
Deepak Agrawal
Inception
Jan 2013
Benchmark
CRISIL Banking and PSU Debt A-II Index
Sharpe Ratio
-0.66
Std Dev (1Y)
1.35%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+0.09%
3m
+0.59%
6m
+2.99%
1y
+5.5%
3y
+7.25%
5y
+6.41%
10y
+7.36%
since inception
+8.03%
TopFund's Take on Kotak Banking and PSU Debt Direct - Growth
Kotak Banking and PSU Debt Direct - Growth holds up reasonably well within the Banking and PSU category, currently carrying a 3-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 67/100.
Cost: At 0.4023%, the expense ratio runs 15% above the Banking and PSU category average of 0.35%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.66 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 1.35% is on the lower side for a Banking and PSU fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to conservative investors prioritising capital stability and predictable income over high growth.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about Kotak Banking and PSU Debt Direct - Growth
The current NAV (Net Asset Value) of Kotak Banking and PSU Debt Direct - Growth is ₹72.74. NAV is updated every business day after market close by AMFI.
1Y: 5.5% · 3Y CAGR: 7.25% · 5Y CAGR: 6.41%
The expense ratio of Kotak Banking and PSU Debt Direct - Growth is 0.4023% per annum. This is the annual fee charged by the fund to manage your investment.
Kotak Banking and PSU Debt Direct - Growth is managed by Deepak Agrawal at Kotak Mahindra Mutual Fund.
Kotak Banking and PSU Debt Direct - Growth is classified as a Moderate risk fund. It is suitable for investors with a moderate risk appetite.
Kotak Banking and PSU Debt Direct - Growth is a Banking and PSU fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in Kotak Banking and PSU Debt Direct - Growth with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of Kotak Banking and PSU Debt Direct - Growth is ₹4,937 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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