Kotak Bond Fund - Regular Plan - IDCW - Annual

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 56 (Category Avg - 26.46) | Modified Duration 6.45 Years (Category Avg - 5.76)| Yield to Maturity 7.09% (Category Avg - 6.98%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	64.97%	65.04%
CD	0.00%	0.04%
T-Bills	0.00%	0.06%
NCD & Bonds	21.71%	27.03%
PTC	7.40%	1.86%

Category - Medium to Long Duration Fund

Security Type	% Weight	Category Average
Government Backed	64.97%	65.10%
Low Risk	29.11%	28.92%
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 - Medium to Long Duration Fund

Debt holding in Portfolio (as on 31st Oct,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			3042.11	14.82%	3.10 Cr
Bond - Govt of India	GOI	Other			1785.59	8.70%	1.80 Cr
Bond - National Housing Bank	NCD & Bonds	Financial institution	CARE AAA	CARE	1487.19	7.24%	15.00 k
Bond - Govt of India	GOI	Other			1193.32	5.81%	1.21 Cr
Bond - Govt of India	GOI	Other			1083.12	5.27%	1.08 Cr
Bond - Govt of India	GOI	Other			816.08	3.97%	80.00 L
Bond - Govt of India	GOI	Other			813.04	3.96%	80.00 L
Bond - Govt of India	GOI	Other			765.05	3.73%	75.00 L
Bond - Siddhivinayak Securitisation Trust	PTC	Ptc	AAA	CRISIL	760.17	3.70%	75.00
Bond - Shivshakti Securitisation Trust	PTC	Ptc	AAA	CRISIL	759.23	3.70%	75.00
Bond - Govt of India	GOI	Other			740.31	3.61%	73.30 L
Bond - Govt of India	GOI	Other			702.70	3.42%	70.00 L
Bond - Govt of India	GOI	Other			636.64	3.10%	65.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	519.41	2.53%	5.11 L
Bond - Govt of India	GOI	Other			458.57	2.23%	48.30 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	254.10	1.24%	2.50 k
Bond - Mahindra & Mahindra Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	253.93	1.24%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	253.36	1.23%	2.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	250.59	1.22%	2.50 k
Bond - Govt of India	GOI	Other			244.52	1.19%	25.00 L
Bond - Govt of India	GOI	Other			206.20	1.00%	20.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	191.12	0.93%	1.90 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	182.88	0.89%	1.80 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	168.00	0.82%	3.00 k
Bond - Govt of India	GOI	Other			141.63	0.69%	30.36 L
Bond - Govt of India	GOI	Other			136.50	0.66%	30.36 L
Bond - Govt of India	GOI	Other			128.66	0.63%	30.83 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	103.00	0.50%	100.00
Bond - Govt of India	GOI	Other			74.88	0.36%	15.36 L
Bond - Govt of India	GOI	Other			72.50	0.35%	25.19 L
Bond - Govt of India	GOI	Other			69.94	0.34%	25.19 L
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	64.40	0.31%	60.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	63.60	0.31%	60.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	63.46	0.31%	60.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	63.45	0.31%	60.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	63.41	0.31%	60.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	63.41	0.31%	60.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	63.25	0.31%	60.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	62.79	0.31%	60.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	62.75	0.31%	60.00
Bond - DME Development Ltd.	NCD & Bonds	Civil construction	AAA	CRISIL	62.64	0.31%	60.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	61.12	0.30%	60.00
Bond - Govt of India	GOI	Other			50.25	0.24%	5.00 L
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	40.45	0.20%	400.00
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	35.15	0.17%	350.00
Bond - Govt of India	GOI	Other			28.70	0.14%	5.67 L
Bond - Govt of India	GOI	Other			26.22	0.13%	5.67 L
Bond - Govt of India	GOI	Other			24.35	0.12%	5.67 L
Bond - Govt of India	GOI	Other			21.93	0.11%	5.67 L
Bond - Govt of India	GOI	Other			22.76	0.11%	2.26 L
Bond - Govt of India	GOI	Other			20.57	0.10%	2.00 L
Bond - Govt of India	GOI	Other			20.43	0.10%	2.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	20.19	0.10%	200.00
Bond - Govt of India	GOI	Other			15.96	0.08%	1.55 L
Bond - Govt of India	GOI	Other			0.04	0.00%	375.00
Bond - Govt of India	GOI	Other			0.03	0.00%	300.00