Our Opinion
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Our Opinion
Riskometer
Moderate
₹70.9048 0.06%
As on 18-Mar-2026
As per SEBI's Riskometer.
Split between different types of investments
Split between categories of Equity investments
|
Fund name
|
Rating |
Our Opinion |
Risk
|
Return (%) |
|
Expense Ratio (%)
|
|---|---|---|---|---|---|---|
|
Kotak Banking and PSU Debt Fund - Direct Plan
|
|
|
Moderate
|
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0.40 |
|
 |
|
Moderate
|
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0.34 |
||
|
|
Low to Moderate
|
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0.36 |
||
 |
|
Moderate
|
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0.39 |
||
|
|
Low to Moderate
|
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0.20 |
₹5,409 Cr
--
100
1,000
100
1
About Kotak Banking and PSU Debt Fund - Direct Plan
Kotak Banking and PSU Debt Fund - Direct Plan is a debt mutual fund scheme of Kotak Mahindra Mutual Fund. Launched on January 01, 2013, it is currently managed by Deepak Agrawal and Dharmesh Thakar. The fund has an expense ratio of 0.40% with an overall AUM (Assets Under Management) of ₹5,409 Cr.
Kotak Banking and PSU Debt Fund - Direct Plan is mandated to invest at least 80 per cent of its assets in bonds issued by banks, public sector undertakings (PSUs) and public financial institutions. The fund allows minimum lumpsum investment of ₹100 and minimum SIP of ₹100.
Investment Strategy
The scheme seeks to generate income by predominantly investing in debt & money market securities issued by Banks, Public Sector Undertaking (PSUs), Public Financial Institutions (PFI), Municipal Bonds and Reverse repos in such securities, sovereign securities issued by the Central Government and State Governments, and/or any security unconditionally guaranteed by the Govt. of India.
Suitability
Banking and PSU funds are suitable for:
Note:
Capital Gains Taxation
Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.
Dividend Taxation
Subscribers of Value Research Fund Advisor can conveniently invest in the low-cost direct plan of Kotak Banking and PSU Debt Fund - Direct Plan through the Value Research Fund Advisor website.
Alternatively, mutual funds can also be purchased directly from the respective fund house’s website. For example, Kotak Banking and PSU Debt Fund - Direct Plan can be bought from the Kotak Mahindra Mutual Fund website. In such a case, if you are investing in multiple funds from different fund houses, you will need to transact separately on each fund house’s website.
The third option is to invest offline, by seeking assistance from a mutual fund distributor. Most banks also act as mutual fund distributors, and you can approach your bank for help in completing your investment.
The latest declared NAV of Kotak Banking and PSU Debt Fund - Direct Plan, is ₹70.9048 as of 19-Mar-2026.
| Company | Percentage of Portfolio |
|---|---|
|
Canara Bank CD 28/01/2027 |
6.96
|
|
Power Finance Corporation Ltd SR 237A NCD 7.60 13/04/2029 |
6.19
|
|
Indian Oil Corporation Ltd SR XXVI Debenture 7.36 16/07/2029 |
3.56
|
|
Gujarat State SDL 6.98 26/11/2032 |
3.17
|
|
Power Grid Corporation of India Ltd SR LXXIV Bonds 7.70 12/10/2033 |
3.00
|
Over the past five years, Kotak Banking and PSU Debt Fund - Direct Plan has delivered an annualised return of 6.80% as of 19-Mar-2026.
The minimum investment required to start investing in Kotak Banking and PSU Debt Fund - Direct Plan is ₹100 for the lump sum option and ₹100 for the SIP (Systematic Investment Plan) option.
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