Kotak Banking and PSU Debt Fund - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 68 (Category Avg - 58.09) | Modified Duration 3.45 Years (Category Avg - 3.04)| Yield to Maturity 7.00% (Category Avg - 6.71%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	18.78%	14.77%
CD	0.00%	5.35%
T-Bills	0.00%	0.03%
CP	0.00%	0.16%
NCD & Bonds	76.21%	72.21%
PTC	0.00%	0.94%

Category - Banking and PSU Fund

Security Type	% Weight	Category Average
Government Backed	18.78%	14.80%
Low Risk	76.21%	78.67%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Banking and PSU Fund

Debt holding in Portfolio (as on 30th Sep,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	3372.12	5.81%	33.00 k
Bond - Govt of India	GOI	Other			3031.07	5.23%	2.93 Cr
Bond - Govt of India	GOI	Other			2394.87	4.13%	2.43 Cr
Bond - National Housing Bank	NCD & Bonds	Financial institution	CARE AAA	CARE	2219.24	3.83%	22.50 k
Bond - Indian Oil Corporation Ltd.	NCD & Bonds	Refineries & marketing	AAA	CRISIL	1939.71	3.34%	19.00 k
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	1838.64	3.17%	20.00 k
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	1566.36	2.70%	1.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	INDAAA	FITCH	1538.74	2.65%	15.00 k
Bond - State Bank Of India	NCD & Bonds	Public sector bank	AAA	CRISIL	1400.31	2.41%	1.45 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1387.41	2.39%	13.50 k
Bond - Govt of India	GOI	Other			1327.68	2.29%	1.30 Cr
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	1330.20	2.29%	13.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	1271.65	2.19%	12.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1267.68	2.19%	12.50 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1267.33	2.19%	1.25 k
Bond - Govt of India	GOI	Other			1080.57	1.86%	1.10 Cr
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1028.99	1.77%	1.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	1021.55	1.76%	10.00 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1018.81	1.76%	1.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1017.41	1.75%	1.00 k
Bond - National Bank for Financing Infrastructure and Development	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	984.07	1.70%	10.00 k
Bond - Union Bank Of India	NCD & Bonds	Public sector bank	CARE AA+	CARE	978.60	1.69%	964.00
Bond - Govt of India	GOI	Other			916.75	1.58%	90.00 L
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	820.66	1.41%	8.00 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	798.08	1.38%	8.00 k
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	771.21	1.33%	7.50 k
Bond - Food Corporation of India Ltd.	NCD & Bonds	Other agricultural products	AAA	CRISIL	770.61	1.33%	739.00
Bond - Nuclear Power Corporation of India Limited	NCD & Bonds	Power generation	LAAA	ICRA	766.89	1.32%	7.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	764.29	1.32%	7.50 k
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	762.86	1.32%	10.53 k
Bond - Govt of India	GOI	Other			768.02	1.32%	74.32 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	760.72	1.31%	7.50 k
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	720.10	1.24%	700.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	624.46	1.08%	605.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	609.75	1.05%	6.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	587.51	1.01%	600.00
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	527.63	0.91%	500.00
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	510.05	0.88%	5.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	510.02	0.88%	5.00 k
Bond - Food Corporation of India Ltd.	NCD & Bonds	Other agricultural products	AAA	CRISIL	508.78	0.88%	500.00
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	508.77	0.88%	5.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	508.39	0.88%	5.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	507.88	0.88%	5.00 k
Bond - Mahanagar Telephone Nigam Ltd.	NCD & Bonds	Telecom - cellular & fixed line services	BWR AA+	BRICKWORK	484.75	0.84%	500.00
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	466.71	0.80%	4.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	CARE AAA	CARE	457.70	0.79%	4.50 k
Bond - Govt of India	GOI	Other			400.25	0.69%	40.00 L
Bond - Govt of India	GOI	Other			394.13	0.68%	38.50 L
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	318.45	0.55%	300.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	316.37	0.55%	300.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	315.98	0.54%	300.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	315.98	0.54%	300.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	315.41	0.54%	300.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	315.37	0.54%	300.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	315.19	0.54%	300.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	313.69	0.54%	300.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	313.39	0.54%	300.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	313.10	0.54%	300.00
Bond - Govt of India	GOI	Other			305.75	0.53%	30.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	255.21	0.44%	250.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	254.47	0.44%	2.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	INDAAA	FITCH	254.47	0.44%	2.50 k
Bond - Govt of India	GOI	Other			166.68	0.29%	16.67 L
Bond - Govt of India	GOI	Other			101.10	0.17%	10.00 L
Bond - Mahanagar Telephone Nigam Ltd.	NCD & Bonds	Telecom - cellular & fixed line services	CARE AAA	CARE	49.87	0.09%	500.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	26.52	0.05%	25.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	10.24	0.02%	10.00
Bond - Govt of India	GOI	Other			4.33	0.01%	43.90 k

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	4.69%
TREPS	TREPS	0.32%

Forum

NITINPIMPALE
MF Investment Help
Follow

7 days ago

purchase unit will adjust difference in NAV 10.263 View more

Posted by : NITINPIMPALE
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  purchase unit will adjust difference in NAV 10.263
  
  Repost Cancel
You will now receive notification when someone reply to this message.
krishna_ksvs
MF Investment Help
Follow

18 days ago

View more

Posted by : krishna_ksvs
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Repost Cancel
You will now receive notification when someone reply to this message.
The Fixed Income
Bonds
Follow

5 hrs ago

Park Your Money in a Safe & High-Return PSU Bond POWER FINANCE CORPORATION LIMITED 2029 ✔️ Coupon: 9.10% ✔️ Rating: CRISIL AAA Stable, ICRA AAA Stable, CARE AAA Stable ✔️ Tenor: 3y 5m (Maturity: 23/Mar/2029) PSU Bond | High Return Bond | Listed Invest with confidence in a highly-rated PSU bond offering steady returns and strong credibility. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dlJTdg-tfi/910-power-finance-corporation-limited-2029?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

Posted by : The Fixed Income
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Park Your Money in a Safe & High-Return PSU Bond POWER FINANCE CORPORATION LIMITED 2029 ✔️ Coupon: 9.10% ✔️ Rating: CRISIL AAA Stable, ICRA AAA Stable, CARE AAA Stable ✔️ Tenor: 3y 5m (Maturity: 23/Mar/2029) PSU Bond | High Return Bond | Listed Invest with confidence in a highly-rated PSU bond offering steady returns and strong credibility. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dlJTdg-tfi/910-power-finance-corporation-limited-2029?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
  Repost Cancel
You will now receive notification when someone reply to this message.
shravanashok
MF Investment Help
Follow

69 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

Posted by : shravanashok
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  need your suggestion for sbi psu fund direct growth stay or switch
  
  Repost Cancel
You will now receive notification when someone reply to this message.
ravisistla
MF Investment Help
Follow

82 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

Posted by : ravisistla
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
  Repost Cancel
You will now receive notification when someone reply to this message.
sunny85deol
MF Investment Help
Follow

119 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

Posted by : sunny85deol
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
  Repost Cancel
You will now receive notification when someone reply to this message.

+ See More

Advisory Alert: It has come to our attention that certain individuals are representing themselves as affiliates of Moneycontrol and soliciting funds on the false promise of assured returns on their investments. We wish to reiterate that Moneycontrol does not solicit funds from investors and neither does it promise any assured returns. In case you are approached by anyone making such claims, please write to us at grievanceofficer@nw18.com or call on 02268882347