Sharpe ratio
0.87Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.34%1Y Absolute Return
-0.09%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Kotak Banking and PSU Debt Direct - GrowthFund 5Y annualised return | ₹8,55,076 | ₹7,32,612 | ₹1,22,464 | +6.41% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age13.2 yrs
Fund information
Scheme code123693
ISININF174K01KH7
BenchmarkCRISIL Banking and PSU Debt A-II
CategoryDebt Scheme - Banking and PSU Fund
Expense ratio0.40%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
21st / 143 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +8.72% | — | — |
| 3M | +0.74% | — | — |
| 6M | +6.00% | — | — |
| 1Y | +4.34% | — | +1.68% |
| 3Y | +7.18% | — | +3.16% |
| 5Y | +6.41% | — | +2.94% |
| 10Y | +7.26% | — | — |
| Since Launch | +7.99% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.52Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
1.43%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
2.81How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt97.10%
Cash2.90%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 65 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| POWER FINANCE CORPORATION LIMITED SR 237A 7.60 BD 13AP29 FVRS1LAC | Financial | Non Convertible Debenture | 6.6542% |
| NATIONAL BANK FOR FINANCING INFRASTRUCTURE AND DEVELOPMENT SR NABFID20272 7.3700 BD 16JL29 FVRS1LAC | Financial | Bonds | 3.998% |
| INDIAN OIL CORPORATION LIMITED SR XXVI 7.36 NCD 16JL29 FVRS1LAC | Energy & Utilities | Debenture | 3.8297% |
| STATE DEVELOPMENT LOAN 36738 GUJ 26NV32 6.98 FV RS 100 | Industrials | State Development Loan | 3.3999% |
| POWER GRID CORPORATION OF INDIA LIMITED SR LXXIV 7.70 BD 12OT33 FVRS1LAC | Energy & Utilities | Bonds | 3.2342% |
| HDFC BANK LIMITED SR V004 8.55 NCD 27MR29 FVRS10LAC | Financial | Debenture | 3.0727% |
| REC LIMITED SR 220-B 7.69 BD 31MR33 FVRS1LAC | Financial | Floating Rate Bond | 3.0476% |
| STATE DEVELOPMENT LOAN 37024 GUJ 04FB32 7.17 FV RS 100 | Industrials | State Development Loan | 2.9925% |
| STATE BANK OF INDIA SR I 6.80 BD 21AG35 FVRS10LAC | Financial | Additional Tier 2 Bond | 2.8878% |
| Net Current Assets | Unspecified | Net Current Assets | 2.8598% |
Fund management
DE
Deepak Agrawal
Since 2012 · He has been associated with Kotak AMC since 2002.
Mr. Agrawal is Post Graduate in Commerce from Mumbai University, Chartered Accountant, Company Secretary and CFA.
DH
Dharmesh Thakar
Since 2025 · Prior to joining the Kotak AMC, he was associated with Trust Financial Consultancy Services Pvt Ltd.
PGeMBA in Finance
Compare similar funds
No comparable category funds are available yet.
Summary
A moderate-risk debt scheme - banking and psu fund. Losses and swings stayed contained — worst fall -2.8%, volatility 1.4%. Financial makes up 66% — trouble in that sector hits the whole fund.
Strengths
- Losses and swings stayed contained — worst fall -2.8%, volatility 1.4%.
- Recovered from its worst fall in 1 months.
- Same fund manager for 14+ years — the strategy has not chopped and changed.
- Ranks 21 of 143 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Financial makes up 66% — trouble in that sector hits the whole fund.