Kotak Banking And PSU Debt Fund Direct-IDCW Monthly

  • 3 Months
  • 6 Months
  • 1 Year
  • 3 Years
  • 5 Years
  • RSI
3 Months Returns : 0.48%
NAV: ₹10.27 as on Thu Nov 05, 2026
Fund NAV

Fund Overview of Kotak Banking And PSU Debt Fund Direct-IDCW Monthly

  • ₹4,675.2 Cr
    AUM
  • ₹10.27
    NAV
  • 0.40%
    Expense Ratio
  • Debt
    Fund Category
As on Thu Nov 05, 2026
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Minimum amount you can invest: ₹500

Maximum amount you can invest: ₹1,00,000

We have used a return rate of 15% for our calculations.

The total value of your investment after 10 years will be
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Kotak Banking And PSU Debt Fund Direct-IDCW Monthly Return Comparison

Tenure Absolute(%) Annualised(%) Category Average(%)
3 Months 0.48% NA 0.71%
6 Months 2.96% NA 4.51%
1 Year 4.80% 4.80% 8.39%
2 Years 13.49% 6.53% 8.14%
3 Years 23.31% 7.23% 7.57%
5 Years 36.61% 6.44% 6.29%
7 Years 58.95% 6.84% NA
10 Years 102.28% 7.30% 7.57%
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As on Thu Nov 05, 2026

Dividend of Kotak Banking And PSU Debt Fund Direct-IDCW Monthly : 0.89%

Dividends are declared by the fund house based on the income generated from the underlying assets. While many mutual funds distribute dividends annually, the payout frequency ultimately depends on the fund house’s decision

Asset Allocation of Kotak Banking And PSU Debt Fund Direct-IDCW Monthly

debt instruments

92.65%

other assets or cash equivalents

7.35%
Top Holdings
Goi Sec 7.18 14/08/2033
6.88%
Canara Bank Cd 28jan27
6.96%
Canara Bank Cd 28jan27
6.81%
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lac
5.66%
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lac
5.94%
 
Top Sectors
Financial
115.25%
Entities
6.88%
Detailed Portfolio Analysis
As on Thu Nov 05, 2026
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About Fund

About Kotak Banking And PSU Debt Fund Direct-IDCW Monthly

Kotak Banking And PSU Debt Fund Direct-IDCW Monthly is one Debt mutual fund offered by Kotak Mahindra Mutual Fund. Launched on 01 Jan 2013, the fund aims 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. It manages assets worth ₹4,675.2 crore as on Sat Oct 31, 2026. The expense ratio stands at 0.4019%.
The portfolio allocation consists of 92.65% in debt instruments, 7.35% in other assets or cash equivalents.Managed by Deepak Agrawal, it has delivered a return of 4.80% in the last year, a total return since inception of 7.95%.
The latest dividend was declared on 14 Jul 2026 at 0.89% of face value.
Those exploring investment options frequently consider various best sip plans to grow goal-based savings habits.

Read more
  • Dharmesh Thakar

    Fund Manager

  • PGeMBA in Finance

    Manager Education

  • Deepak Agrawal

    Fund Manager

  • Mr. Agrawal is Post Graduate in Commerce from Mumbai University, Chartered Accountant, Company Secretary and CFA.

    Manager Education

Key Metrics of Kotak Banking And PSU Debt Fund Direct-IDCW Monthly

  • Standard Deviation
    1.75%
  • Mean
    6.80%
  • Sharpe Ratio
    0.70%
  • Sortino Ratio
    1.23%

Kotak Banking And PSU Debt Fund Direct-IDCW Monthly Fund Details

Fund Names Kotak Banking And PSU Debt Fund Direct-IDCW Monthly
Inception Date 01 Jan 2013
Lock In No Lock-in
SIP Minimum Investment amount ₹100
SWP Minimum Investment amount ₹1000
STP Minimum Investment amount ₹1000
 
Risk Principal at moderate risk
Category Average Annual Returns 8.39
More Details
Highest NAV in last 52 weeks & Lowest NAV in last 52 weeks

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Kotak Banking And PSU Debt Fund Direct-IDCW Monthly Fund Returns Comparison

Compare Kotak Banking And PSU Debt Fund Direct-IDCW Monthly with other mutual funds in the same category

Kotak Banking And PSU Debt Fund Direct-IDCW Monthly

UTI Banking & PSU Debt Fund Direct-flexi IDCW

UTI Banking & PSU Debt Fund Direct-Growth

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Top Performing Mutual Funds

Fund Names AUM (Cr) 1M 3M 1Yr 3Yr 5Yr
UTI Banking & PSU Debt Fund Direct-flexi IDCW trend ₹1,448 0.35% 1.39% 5.84% 7.43% 7.80%
UTI Banking & PSU Debt Fund Direct-Growth trend ₹1,448 0.35% 1.39% 5.84% 7.43% 7.80%
UTI Banking & PSU Debt Fund Direct-IDCW Half Yearly trend ₹1,448 0.35% 1.39% 5.84% 7.43% 7.80%
UTI Banking & PSU Debt Fund Direct-IDCW Monthly trend ₹1,448 0.35% 1.39% 5.84% 7.43% 7.80%
UTI Banking & PSU Debt Fund Direct-IDCW Quarterly trend ₹1,448 0.35% 1.39% 5.84% 7.43% 7.80%
UTI Banking & PSU Debt Fund Direct-IDCW Yearly trend ₹1,448 0.35% 1.39% 5.84% 7.43% 7.80%
UTI Banking & PSU Debt Fund Regular-flexi IDCW trend ₹1,448 0.33% 1.33% 5.58% 7.17% 7.52%
UTI Banking & PSU Debt Fund Regular-Growth trend ₹1,448 0.33% 1.33% 5.58% 7.17% 7.52%
UTI Banking & PSU Debt Fund Regular-IDCW Half Yearly trend ₹1,448 0.33% 1.33% 5.58% 7.17% 7.52%
UTI Banking & PSU Debt Fund Regular-IDCW Monthly trend ₹1,448 0.33% 1.33% 5.58% 7.17% 7.52%
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increase growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns

More funds from Kotak Mahindra Mutual Fund

Fund Names AUM (Cr) 1M 3M 6M 1Yr 3Yr
Kotak Banking And PSU Debt Fund Direct-Growth increase ₹4,675 0.43% 0.48% 2.96% 4.80% 7.23%
Kotak Banking And PSU Debt Fund Regular-Growth increase ₹4,675 0.40% 0.40% 2.78% 4.43% 6.84%
Kotak Banking And PSU Debt Fund Regular-IDCW Monthly increase ₹4,675 0.40% 0.40% 2.78% 4.43% 6.84%
increase growth is based on 1-month returns of the funds

Kotak Banking And PSU Debt Fund Direct-IDCW Monthly Calculator

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Top Mutual Funds

Fund Names AUM (Cr) NAV 3Yr 5Yr 10Yr
Bandhan Banking And PSU Debt Fund Regular-Growth trend ₹11,848 ₹26.39 6.75% 5.98% 6.86%
Bandhan Banking And PSU Debt Fund Direct-Growth trend ₹11,848 ₹27.27 7.07% 6.30% 7.16%
Bandhan Banking And PSU Debt Fund Regular-IDCW trend ₹11,848 ₹14.25 6.75% 5.98% 6.86%
Bandhan Banking And PSU Debt Fund Direct-IDCW trend ₹11,848 ₹14.34 7.07% 6.30% 7.16%
Bandhan Banking And PSU Debt Fund Regular-IDCW Daily trend ₹11,848 ₹10.88 6.75% 5.98% 6.86%
Bandhan Banking And PSU Debt Fund Direct-IDCW Daily trend ₹11,848 ₹10.48 7.07% 6.30% 7.16%
Bandhan Banking And PSU Debt Fund Regular-IDCW Fortnightly trend ₹11,848 ₹10.64 6.75% 5.98% 6.86%
Bandhan Banking And PSU Debt Fund Direct-IDCW Fortnightly trend ₹11,848 ₹10.48 7.07% 6.30% 7.16%
Bandhan Banking And PSU Debt Fund Direct-IDCW Monthly trend ₹11,848 ₹10.47 7.07% 6.30% 7.16%
Bandhan Banking And PSU Fund Debt Regular-IDCW Monthly trend ₹11,848 ₹10.71 6.75% 5.98% 6.86%
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Top funds are based on Fund AUM

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Kotak Banking And PSU Debt Fund Direct-IDCW Monthly Detailed Portfolio

Stocks Sector % of Holding Value
Goi Sec 7.18 14/08/2033Entities6.88%₹411.59 Cr
Canara Bank Cd 28jan27Financial6.96%₹376.31 Cr
Canara Bank Cd 28jan27Financial6.81%₹374.05 Cr
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lacFinancial5.66%₹338.79 Cr
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lacFinancial5.94%₹338.62 Cr
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lacFinancial5.89%₹338.30 Cr
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lacFinancial5.89%₹338.30 Cr
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lacFinancial5.81%₹337.21 Cr
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lacFinancial-—
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lacFinancial5.99%₹335.94 Cr
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lacFinancial6.19%₹334.71 Cr
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lacFinancial6.65%₹333.97 Cr
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lacFinancial6.65%₹333.97 Cr
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lacFinancial6.07%₹333.72 Cr
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lacFinancial6.39%₹330.48 Cr
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lacFinancial6.43%₹329.57 Cr
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lacFinancial6.67%₹329.37 Cr
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lacFinancial6.67%₹329.37 Cr
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lacFinancial6.67%₹329.37 Cr
Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lacFinancial6.90%₹328.69 Cr
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Top Debt Funds

Fund Names NAV 3Yr 5Yr 52 weeks high
UTI Banking & PSU Debt Fund Direct-flexi IDCW increase ₹20.85 7.43% 7.80% -
UTI Banking & PSU Debt Fund Direct-Growth increase ₹24.19 7.43% 7.80% -
UTI Banking & PSU Debt Fund Direct-IDCW Half Yearly increase ₹16.05 7.43% 7.80% -
UTI Banking & PSU Debt Fund Direct-IDCW Monthly increase ₹13.82 7.43% 7.80% -
UTI Banking & PSU Debt Fund Direct-IDCW Quarterly increase ₹18.00 7.43% 7.80% -
UTI Banking & PSU Debt Fund Direct-IDCW Yearly increase ₹13.85 7.43% 7.80% -
UTI Banking & PSU Debt Fund Regular-flexi IDCW increase ₹15.90 7.17% 7.52% -
UTI Banking & PSU Debt Fund Regular-Growth increase ₹23.70 7.17% 7.52% -
UTI Banking & PSU Debt Fund Regular-IDCW Half Yearly increase ₹15.83 7.17% 7.52% -
UTI Banking & PSU Debt Fund Regular-IDCW Monthly increase ₹13.53 7.17% 7.52% -
View More
increase growth is based on 5Y returns of the funds

Frequently Asked Questions

Kotak Banking And PSU Debt Fund Direct-IDCW Monthly

What is the current AUM of Kotak Banking And PSU Debt Fund Direct-IDCW Monthly?

As of Sat Oct 31, 2026, Kotak Banking And PSU Debt Fund Direct-IDCW Monthly manages assets worth ₹4,675.2 crore

How has Kotak Banking And PSU Debt Fund Direct-IDCW Monthly performed recently?

  • 3 Months: 0.48%
  • 6 Months: 2.96%

What is the long-term performance of Kotak Banking And PSU Debt Fund Direct-IDCW Monthly?

  • 3 Years CAGR: 7.23%
  • 5 Years CAGR: 6.44%
  • Since Inception: 7.95%

What is the portfolio composition of Kotak Banking And PSU Debt Fund Direct-IDCW Monthly?

Debt: 92.65%, Others: 7.35%.

Who manages Kotak Banking And PSU Debt Fund Direct-IDCW Monthly?

Kotak Banking And PSU Debt Fund Direct-IDCW Monthly is managed by Deepak Agrawal from Kotak Mahindra Mutual Fund.

When was the last dividend declared by Kotak Banking And PSU Debt Fund Direct-IDCW Monthly?

Latest dividend was declared on 14 Jul 2026 at 0.89% of face value.

Which are the top companies Kotak Banking And PSU Debt Fund Direct-IDCW Monthly has invested in?

  • GOI Sec 7.18 14/08/2033 – 6.88% of the fund's portfolio
  • CANARA BANK CD 28JAN27 – 6.96% of the fund's portfolio
  • CANARA BANK CD 28JAN27 – 6.81% of the fund's portfolio
  • POWER FINANCE CORPORATION LIMITED SR 237A 7.60 BD 13AP29 FVRS1LAC – 5.66% of the fund's portfolio
  • POWER FINANCE CORPORATION LIMITED SR 237A 7.60 BD 13AP29 FVRS1LAC – 5.94% of the fund's portfolio

Which are the major sectors Kotak Banking And PSU Debt Fund Direct-IDCW Monthly focuses on?

  • Financial – 115.25% of the fund's portfolio
  • Entities – 6.88% of the fund's portfolio
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