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Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option
★★★★★ monitor_heart Health Score: 68/100 · GoodKotak Mahindra Mutual Fund · Debt · Banking and PSU Fund
₹13.04
AUM: ₹5,008 Cr
NAV updated about 1 month ago
Plan
—
Option
—
Risk
Moderate
Expense Ratio
0.4%
Exit Load
Nil
Fund Manager
Deepak Agrawal
Inception
Jan 2013
Benchmark
CRISIL Banking and PSU Debt A-II Index
Sharpe Ratio
-0.98
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
+1.12%
3m
+1.46%
6m
+2.5%
1y
+5.3%
3y
+7.47%
5y
+6.52%
10y
+7.63%
since inception
+1.42%
rate_review TopFund's Take on Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option
Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option holds up reasonably well within the Banking and PSU Fund 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 68/100.
Cost: At 0.4%, the expense ratio runs 14% above the Banking and PSU Fund 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 -0.98 — 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, 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.
donut_small Sector Allocation
pie_chart Asset Allocation
info Fund Snapshot
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tips_and_updates Tools & Guides for This Fund
Frequently Asked Questions about Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option
The current NAV (Net Asset Value) of Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option is ₹13.04. NAV is updated every business day after market close by AMFI.
1Y: 5.3% · 3Y CAGR: 7.47% · 5Y CAGR: 6.52%
The expense ratio is 0.4% per annum — the annual fee deducted from your investment to cover fund management costs.
Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option is managed by Deepak Agrawal at Kotak Mahindra Mutual Fund.
Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option is a Moderate risk fund. Suitable for investors with a moderate risk appetite.
Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option is a Banking and PSU Fund fund. SIP suitability depends on your investment goal and risk profile.
The Assets Under Management (AUM) of Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option is ₹5,009 crore as of the latest data.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.