Kotak CRISIL-IBX AAA Financial Services Index - Sep 2027 Fund - Direct Plan - 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 18 (Category Avg - 3.85) | Modified Duration 1.57 Years (Category Avg - 2.41)| Yield to Maturity 6.94% (Category Avg - 6.42%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	0.00%	14.65%
CD	0.00%	0.34%
T-Bills	0.00%	0.00%
CP	0.00%	0.36%
NCD & Bonds	95.86%	4.63%

Category - Index Funds/ETFs

Security Type	% Weight	Category Average
Government Backed	0.00%	0.00%
Low Risk	95.86%	5.33%
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 - Index Funds/ETFs

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

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Axis Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	CARE AAA	CARE	469.28	10.41%	4.62 k
Bond - Aditya Birla Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	458.04	10.16%	4.50 k
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	454.06	10.07%	450.00
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	407.47	9.04%	4.00 k
Bond - Tata Capital Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	405.99	9.01%	400.00
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	400.32	8.88%	4.00 k
Bond - Kotak Mahindra Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	355.78	7.89%	350.00
Bond - Mahindra & Mahindra Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	283.50	6.29%	280.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	INDAAA	FITCH	203.57	4.52%	2.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	202.83	4.50%	2.00 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	152.50	3.38%	150.00
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	152.25	3.38%	1.50 k
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	101.31	2.25%	100.00
Bond - Tata Capital Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	100.93	2.24%	100.00
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	50.92	1.13%	500.00
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	50.82	1.13%	500.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	50.81	1.13%	500.00
Bond - L&T Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	20.34	0.45%	200.00

Name	Type of Instrument	Weight (%)
TREPS	TREPS	2.57%
Net Receivables	Net Receivables	1.57%

Forum

NITINPIMPALE
MF Investment Help
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4 days ago

purchase unit will adjust difference in NAV 10.263 View more

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  purchase unit will adjust difference in NAV 10.263
  
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krishna_ksvs
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16 days ago

View more

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The Fixed Income
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3 days ago

Lock in Stable Returns from a State-Backed PSU! TELANGANA STATE INDUSTRIAL INFRASTRUCTURE CORPORATION LIMITED – 2028 Bond ✔️ Coupon: 9.35% p.a. ✔️ Tenor: 3y 2m (Maturity: 29/Dec/2028) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed Invest confidently in a state-backed PSU and watch your money grow steadily. Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJPdFpRPT0=/935-telangana-state-industrial-infrastructure-corporation-limited-2028?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Lock in Stable Returns from a State-Backed PSU! TELANGANA STATE INDUSTRIAL INFRASTRUCTURE CORPORATION LIMITED – 2028 Bond ✔️ Coupon: 9.35% p.a. ✔️ Tenor: 3y 2m (Maturity: 29/Dec/2028) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed Invest confidently in a state-backed PSU and watch your money grow steadily. Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJPdFpRPT0=/935-telangana-state-industrial-infrastructure-corporation-limited-2028?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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shravanashok
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66 days ago

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

Posted by : shravanashok
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  need your suggestion for sbi psu fund direct growth stay or switch
  
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ravisistla
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79 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
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  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.
  
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sunny85deol
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117 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
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  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.
  
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