Kotak CRISIL-IBX Financial Services 9-12 Months Debt Index 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 14 (Category Avg - 3.73) | Modified Duration 0.73 Years (Category Avg - 2.23)| Yield to Maturity 6.63% (Category Avg - 6.28%)

Portfolio Summary (as on 31st Oct,2025)

Category - Index Funds/ETFs

Category - Index Funds/ETFs

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	756.38	11.58%	7.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	755.95	11.57%	7.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	754.29	11.55%	7.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	704.27	10.78%	7.00 k
Bond - Tata Capital Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	652.32	9.99%	500.00
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	504.13	7.72%	50.00
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	497.02	7.61%	500.00
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	428.68	6.56%	4.50 k
Bond - Kotak Mahindra Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	301.07	4.61%	300.00
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	252.02	3.86%	2.50 k
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	251.24	3.85%	250.00
Bond - Bank Of Baroda	CD	Public sector bank	PR1+	CARE	236.85	3.63%	2.50 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	48.16	0.74%	500.00
Bond - Union Bank Of India	CD	Public sector bank	F1+	FITCH	48.06	0.74%	500.00

Name	Type of Instrument	Weight (%)
TREPS	TREPS	3.90%
Net Receivables	Net Receivables	1.31%