Kotak Banking and PSU Debt Fund Direct-Growth
Debt: Banking and PSU Debt - Growth (Open ended) Factsheet
SEBI Riskometer: ModerateCategory: Debt: Banking and PSU DebtBenchmark: CRISIL Banking and PSU Debt A-II IndexCheck Portfolio Overlap →
NAV: ₹72.87+0.05%
07 Sept 2026
Rolling Returns Analysis
Rolling annualized returns of Kotak Banking and PSU Debt Fund Direct-Growth across 1Y, 3Y and 5Y windows — average, best, worst returns and percentage of positive return periods.
| Metric | 1 Yr Rolling Returns | 3 Yr Rolling Returns | 5 Yr Rolling Returns | 7 Yr Rolling Returns |
|---|---|---|---|---|
| Analysis period | 15 Jan, 2014 - 07 Sep, 2026 | 16 Feb, 2016 - 07 Sep, 2026 | 14 Mar, 2018 - 07 Sep, 2026 | 09 Apr, 2020 - 22 Jan, 2026 |
| Average returns | 8.42% | 8.24% | 8.16% | 8.37% |
| Standard deviation | 2.43% | 1.35% | 0.90% | 0.70% |
| Best returns | 13.56% 1 year ending on 13 Jul, 2020 | 10.98% 3 years ending on 09 Sep, 2016 | 9.71% 5 years ending on 13 Jul, 2020 | 10.04% 7 years ending on 23 Oct, 2020 |
| Worst returns | 2.75% 1 year ending on 17 Jun, 2022 | 5.30% 3 years ending on 17 Aug, 2023 | 6.48% 5 years ending on 23 Jan, 2026 | 7.38% 7 years ending on 09 Feb, 2024 |
| Period with positive return | 100.00% | 100.00% | 100.00% | 100.00% |
| Period with return > 5% | 88.38% | 100.00% | 100.00% | 100.00% |
| Period with return > 10% | 30.79% | 4.73% | 0.00% | 0.14% |
| Period with return > 15% | 0.00% | 0.00% | 0.00% | 0.00% |
| Beat % Category | 83.54% | 96.28% | 98.10% | 99.43% |
| Beat % Benchmark | 37.47% | 12.48% | 11.81% | 3.98% |
Trailing Returns
Point-to-point returns of Kotak Banking and PSU Debt Fund Direct-Growth vs category average for YTD, 1M, 6M, 1Y, 3Y, 5Y and 10Y periods — with category rank and total funds count.
-5%
0%
5%
10%
3.6%
3.6%
-8.1%
YTD
0.0%
0.2%
-3.2%
1 M
2.7%
2.8%
-1.9%
6 M
5.9%
5.6%
-5.0%
1 Y
7.4%
7.2%
7.7%
3 Y
6.5%
6.2%
7.8%
5 Y
7.4%
7.0%
11.7%
10 Y
Fund
Debt: Banking and PSU Debt
CRISIL Banking and PSU Debt A-II Index
| Name | YTD | 1 M | 6 M | 1 Y | 3 Y | 5 Y | 10 Y | Since Inception |
|---|---|---|---|---|---|---|---|---|
| Fund | 3.61% | 0.00% | 2.72% | 5.88% | 7.44% | 6.53% | 7.43% | 8.02% |
| Debt: Banking and PSU Debt | 3.61% | 0.18% | 2.84% | 5.56% | 7.15% | 6.22% | 7.03% | - |
| CRISIL Banking and PSU Debt A-II Index | -8.14% | -3.18% | -1.95% | -4.99% | 7.68% | 7.77% | 11.65% | - |
| Rank in category | 9 | 18 | 14 | 5 | 3 | 3 | 2 | - |
| Funds in category | 20 | 20 | 20 | 20 | 19 | 18 | 14 | - |
Period Returns
Calendar-year, quarterly and monthly return history of Kotak Banking and PSU Debt Fund Direct-Growth. Toggle between bar chart and table view to analyse periodic performance trends.
Historical Performance
Track NAV movement and cumulative returns of Kotak Banking and PSU Debt Fund Direct-Growth across 1M, 6M, 1Y, 3Y, 5Y and since-inception periods. Compare SIP and lumpsum growth over time.
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Frequently Asked Questions
What are the 1-year returns of Kotak Banking and PSU Debt Fund Direct-Growth?
Kotak Banking and PSU Debt Fund Direct-Growth has delivered a 1-year return of 5.88% as of 6 Sep 2026. During the same period, its benchmark CRISIL Banking and PSU Debt A-II Index returned -4.99%. The fund has outperformed its benchmark over this period.
What are the 3-year returns of Kotak Banking and PSU Debt Fund Direct-Growth?
Kotak Banking and PSU Debt Fund Direct-Growth has delivered a 3-year CAGR of 7.44% as of 6 Sep 2026. Its benchmark CRISIL Banking and PSU Debt A-II Index returned 7.68% CAGR over the same period. CAGR (Compounded Annual Growth Rate) is the right way to evaluate multi-year mutual fund performance as it smooths out year-to-year volatility.
What are the 5-year returns of Kotak Banking and PSU Debt Fund Direct-Growth?
Kotak Banking and PSU Debt Fund Direct-Growth has delivered a 5-year CAGR of 6.53% as of 6 Sep 2026. Its benchmark CRISIL Banking and PSU Debt A-II Index returned 7.77% CAGR over the same period. A 5-year track record is considered a more reliable indicator of fund quality than shorter-term performance, as it captures at least one full market cycle.
What are the returns of Kotak Banking and PSU Debt Fund Direct-Growth since inception?
Since its launch on 31 Dec 2012, Kotak Banking and PSU Debt Fund Direct-Growth has delivered a CAGR of 8.02%. Since-inception returns reflect the fund's full history and give the most complete picture of long-term performance.
How has Kotak Banking and PSU Debt Fund Direct-Growth performed vs its category over the long term?
Over the long term, Kotak Banking and PSU Debt Fund Direct-Growth has ranked 3 out of 19 funds in the Debt: Banking and PSU Debt category on a 3-year basis, and 3 out of 18 funds on a 5-year basis. Category rank is one of several factors to consider alongside risk metrics and rolling return consistency when evaluating a fund.
What is the Sharpe ratio of Kotak Banking and PSU Debt Fund Direct-Growth?
The Sharpe ratio of Kotak Banking and PSU Debt Fund Direct-Growth is 0.89 (as of 6 Sep 2026). The Sharpe ratio measures how much return the fund generates per unit of risk (volatility) taken. A Sharpe ratio above 1.0 is generally considered good — the higher the ratio, the better the risk-adjusted return.
What is the alpha of Kotak Banking and PSU Debt Fund Direct-Growth?
The alpha of Kotak Banking and PSU Debt Fund Direct-Growth is shown in the Alpha, Beta & Sharpe section above.
What is the beta of Kotak Banking and PSU Debt Fund Direct-Growth?
The beta of Kotak Banking and PSU Debt Fund Direct-Growth is shown in the Alpha, Beta & Sharpe section above.
What are the rolling returns of Kotak Banking and PSU Debt Fund Direct-Growth?
The average 1-year and 3-year rolling returns of Kotak Banking and PSU Debt Fund Direct-Growth is 8.42% and 8.24% respectively. Rolling returns show the fund's annualized return across every possible 1-year and 3-year investment window, making them a far more reliable measure of consistency than point-to-point returns, which depend heavily on the start and end date chosen.