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Mutual Funds
Banking and PSU Fund
Kotak Mahindra Mutual Fund
Kotak Banking and PSU Debt Fund - Regular Plan (G)

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.

Latest (Updated on 30th Sep 2025)

Crisil Rank
(Updated on 30th Jun 2025)

Crisil Rank
(Updated on 31st Mar 2025)

Crisil Rank
(Updated on 31st Dec 2024)

Crisil Rank
(Updated on 30th Sep 2024)

Crisil Rank

Returns (NAV as on 14th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	07-Nov-25	10032.10	0.32%	-	0.10%	12/22
1 Month	14-Oct-25	10073.20	0.73%	-	0.48%	13/22
3 Month	14-Aug-25	10192.00	1.92%	-	1.56%	15/22
6 Month	14-May-25	10309.20	3.09%	-	2.84%	5/22
YTD	01-Jan-25	10730.60	7.31%	-	6.96%	17/22
1 Year	14-Nov-24	10820.30	8.20%	8.20%	7.85%	17/22
2 Year	13-Nov-23	11706.80	17.07%	8.17%	7.87%	18/22
3 Year	14-Nov-22	12453.80	24.54%	7.58%	7.41%	12/21
5 Year	13-Nov-20	13446.00	34.46%	6.09%	5.82%	6/19
10 Year	13-Nov-15	20507.20	105.07%	7.44%	7.11%	6/17
Since Inception	29-Dec-98	67153.80	571.54%	7.34%	7.19%	13/21

Returns Calculator

SIP Returns (NAV as on 14th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	14-Nov-24	12000	12511.25	4.26 %	7.96 %
2 Year	13-Nov-23	24000	26066.45	8.61 %	8.14 %
3 Year	14-Nov-22	36000	40589.27	12.75 %	7.93 %
5 Year	13-Nov-20	60000	71754.61	19.59 %	7.08 %
10 Year	13-Nov-15	120000	173662.39	44.72 %	7.18 %

SIP Calculator

Compare performance

Category	1 D	1 M	3 M	6 M	YTD	1 Y	2 Y	3 Y	5 Y
This Fund	-0.02%	0.73%	1.92%	3.09%	7.30%	8.20%	8.17%	7.58%	6.09%
Nifty 50	0.12%	3.04%	5.19%	5.04%	9.58%	10.10%	15.39%	12.22%	15.17%
Benchmark: CRISIL Banking and PSU Debt A-II Index	0.00%	0.46%	1.50%	3.11%	6.82%	7.70%	7.69%	7.45%	5.93%
Category Average	-0.01%	0.48%	1.56%	2.84%	6.96%	7.85%	7.87%	7.41%	5.82%
Category Rank	14/21	1/22	1/22	3/22	1/22	1/22	1/22	3/21	3/19
Best in Category	0.09%	0.73%	1.92%	3.38%	7.30%	8.20%	8.17%	7.65%	6.99%
Worst in Category	-0.05%	0.25%	1.35%	2.10%	6.42%	7.25%	7.49%	7.03%	5.21%

quartely results (NAV as on 14th November, 2025)

Period

This Fund

Nifty 50

CRISIL Banking and PSU Debt A-II Index

Category Average

2025

7.31%

9.13%

5.93%

Q4 - 2025	1.26%	4.32%	--	0.92%
Q3 - 2025	0.85%	-3.64%	--	0.81%
Q2 - 2025	2.59%	10.15%	--	1.07%
Q1 - 2025	2.22%	-2.43%	--	1.56%

2024

7.88%

8.75%

6.56%

Q4 - 2024	1.41%	-8.34%	--	1.50%
Q3 - 2024	2.53%	6.91%	--	2.43%
Q2 - 2024	1.64%	7.48%	--	1.65%
Q1 - 2024	2.07%	3.31%	--	2.02%

2023

6.77%

19.48%

5.45%

Q4 - 2023	1.68%	11.33%	--	1.58%
Q3 - 2023	1.46%	1.07%	--	1.40%
Q2 - 2023	1.95%	10.29%	--	0.99%
Q1 - 2023	1.52%	-4.60%	--	1.55%

2022

3.6%

3.24%

2.84%

Q4 - 2022	1.57%	7.76%	--	1.56%
Q3 - 2022	1.69%	8.52%	--	1.32%
Q2 - 2022	-0.57%	-10.70%	--	-0.06%
Q1 - 2022	0.81%	-0.91%	--	0.56%

2021

3.88%

23.79%

2.78%

Q4 - 2021	0.71%	-1.02%	--	0.39%
Q3 - 2021	1.76%	12.36%	--	1.51%
Q2 - 2021	1.52%	5.75%	--	1.25%
Q1 - 2021	-0.22%	4.80%	--	0.06%

2020

10.41%

14.77%

7.9%

Q4 - 2020	2.51%	22.46%	--	1.04%
Q3 - 2020	1.27%	7.84%	--	1.11%
Q2 - 2020	3.55%	24.82%	--	3.81%
Q1 - 2020	2.34%	-29.43%	--	2.48%

2019

10.91%

11.53%

6.49%

Q4 - 2019	2.33%	7.12%	--	2.26%
Q3 - 2019	2.72%	-3.30%	--	2.77%
Q2 - 2019	2.54%	1.68%	--	1.69%
Q1 - 2019	2.76%	6.96%	--	2.57%

2018

6.62%

4.09%

4.9%

Q4 - 2018	2.98%	-1.32%	--	2.88%
Q3 - 2018	1.44%	3.29%	--	1.41%
Q2 - 2018	0.21%	4.36%	--	0.78%
Q1 - 2018	1.77%	-2.14%	--	1.73%

2017

6.17%

27.58%

4.48%

Q4 - 2017	0.63%	5.84%	--	0.82%
Q3 - 2017	1.78%	2.54%	--	1.68%
Q2 - 2017	2.18%	3.06%	--	1.96%
Q1 - 2017	1.45%	12.16%	--	1.40%

2016

9.9%

2.72%

7.2%

Q4 - 2016	2.14%	-6.39%	--	2.11%
Q3 - 2016	3.36%	3.40%	--	2.90%
Q2 - 2016	1.38%	7.45%	--	1.28%
Q1 - 2016	2.07%	-2.82%	--	2.17%

2015

8.53%

-4.08%

6.2%

Q4 - 2015	1.66%	-0.06%	--	1.58%
Q3 - 2015	2.31%	-5.96%	--	2.50%
Q2 - 2015	2.06%	-2.54%	--	1.53%
Q1 - 2015	2.27%	2.50%	--	2.37%

2014

9.49%

31.44%

7.38%

Q4 - 2014	2.12%	4.24%	--	2.48%
Q3 -	--	4.32%	--	--
Q2 - 2014	2.36%	13.25%	--	2.31%
Q1 - 2014	2.56%	6.39%	--	2.34%

Best Quarters

Period	This Fund	Nifty 50	CRISIL Banking and PSU Debt A-II Index	Category Average
Q2 - 2020	3.67%	24.82%	--	3.81%
Q2 - 2020	3.55%	24.82%	--	3.81%
Q3 - 2016	3.40%	3.40%	--	2.9%

Worst Quarters

Period	This Fund	Nifty 50	CRISIL Banking and PSU Debt A-II Index	Category Average
Q1 - 2021	-0.22%	4.80%	--	0.06%
Q2 - 2022	-0.57%	-10.70%	--	-0.06%
Q2 - 2022	-0.47%	-10.70%	--	-0.06%