Kotak Banking and PSU Debt Fund Regular-Growth
The fund is rated 4 stars. The strongest areas were income potential of 7.44%, exposure to interest-rate changes of 2.56 years, latest three-year return of 6.23%, and balance between returns and downside risk, while annual fee of 0.75% provided some support.
This fund has a high YTM of 7.44%, its Modified Duration is high at 2.56 years, and its 3-Year Rolling Return is 6.233%, indicating high performance. It has sortino ratio of 1.174 which indicates high risk-reward ratio However, its AUM is None at 4936.806 crores, and its Expense Ratio is medium at 0.752%. Taking all these factors into account, the fund has been rated 4.0 stars.
Our score weighs long-term performance, risk and consistency — not just past returns.
Returns
As of 8 Oct 2026
Risk ratios
As of 30 Sep 2026
Debt metrics
Portfolio
As of 30 Sep 2026
Holdings (61)
| Holding | % of fund | Value | Shares |
|---|---|---|---|
| Power Finance Corporation Ltd.Coupon 7.60% · Maturity 13/04/2029 · Rating CRISIL AAA | 6.90% | ₹328.69 Cr | 33,000 |
| National Bank For Financing Infrastructure And DevelopmentCoupon 7.37% · Maturity 16/07/2029 · Rating CRISIL AAA | 4.15% | ₹197.57 Cr | 20,000 |
| Power Grid Corporation Of India Ltd.Coupon 7.70% · Maturity 12/10/2033 · Rating CRISIL AAA | 3.36% | ₹159.99 Cr | 20,004 |
| HDFC Bank Ltd.Coupon 8.55% · Maturity 27/03/2029 · Rating CRISIL AAA | 3.19% | ₹151.74 Cr | 1,500 |
| Canara BankMaturity 02/02/2027 · Rating CRISIL A1+ | 3.08% | ₹146.64 Cr | 15,000 |
| State Bank of IndiaCoupon 6.80% · Maturity 21/08/2035 · Rating CRISIL AAA | 2.94% | ₹139.83 Cr | 1,450 |
| Indian Oil Corporation Ltd.Coupon 7.36% · Maturity 16/07/2029 · Rating CRISIL AAA | 2.93% | ₹139.62 Cr | 14,000 |
| Others | 2.76% | ₹130.29 Cr | — |
| REC Ltd.Coupon 7.77% · Maturity 31/03/2028 · Rating CRISIL AAA | 2.73% | ₹130.09 Cr | 13,000 |
| Small Industries Devp. Bank of India Ltd.Coupon 7.83% · Maturity 24/11/2028 · Rating CRISIL AAA | 2.62% | ₹124.97 Cr | 12,500 |
Fund details
Income over a short to medium term investment horizon. Investment in debt & money market securities of PSUs, Banks, Public Financial Institutions, government securities and Municipal Bonds.
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.