Should I invest in Kotak Banking and PSU Debt Direct?

We don't give personal investment advice. Kotak Banking and PSU Debt Direct - Growth is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.1%. 5-year CAGR: 6.67%.

Kotak

Kotak Banking and PSU Debt Direct - Growth

Latest NAV

₹72.5392

As of

17 Jul 2026

3,118 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.02%	+0.02%	+0.00	8 / 22	Q2
1W	-0.01%	-0.03%	+0.02	6 / 22	Q2
2W	-0.17%	-0.11%	-0.06	16 / 22	Q3
1M	+0.74%	+0.69%	+0.05	6 / 22	Q2
3M	+1.91%	+1.77%	+0.15	8 / 22	Q2
6M	+3.33%	+3.20%	+0.13	6 / 22	Q2
YTD	+3.10%	+2.82%	+0.28	4 / 22	Q1
1Y	+5.64%	+5.37%	+0.27	6 / 22	Q2
2Y	+7.55%	+7.27%	+0.28	3 / 22	Q1
3Y	+7.53%	+7.24%	+0.30	1 / 20	Q1
4Y	+7.50%	+7.15%	+0.35	2 / 19	Q1
5Y	+6.67%	+6.38%	+0.29	3 / 18	Q1
7Y	+7.13%	+6.87%	+0.26	1 / 16	Q1
10Y	+7.58%	+7.20%	+0.38	1 / 15	Q1
Inception	+8.13%	+7.48%	+0.64	3 / 21	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+3.10%	+2.92%	+0.18	4 / 21
2025	+8.06%	+7.73%	+0.33	2 / 21
2024	+8.40%	+8.19%	+0.21	5 / 21
2023	+7.22%	+7.05%	+0.17	4 / 20
2022	+4.03%	+3.98%	+0.06	5 / 18
2021	+4.28%	+3.82%	+0.46	3 / 18
2020	+10.82%	+10.42%	+0.40	9 / 16
2019	+11.25%	+10.17%	+1.07	4 / 16
2018	+7.02%	+6.92%	+0.10	7 / 16
2017	+6.36%	+5.82%	+0.55	5 / 17
2016	+10.31%	+10.00%	+0.32	8 / 16

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+8.01%

146 windows

min 2.9% · max 12.3%

100% positive

3-Year rolling

+7.87%

122 windows

min 5.1% · max 10.0%

100% positive

5-Year rolling

+7.82%

97 windows

min 6.3% · max 9.3%

100% positive

7-Year rolling

+7.94%

73 windows

min 7.1% · max 9.6%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

1.54%

3-year · annualised

Sharpe ratio

0.53

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.63%

May 2026 → May 2026

% positive months

97.2%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Banking & PSU Fund

Scheme	Fund house	NAV	As of
HDFC Banking and PSU Debt Fund - Growth Option - Direct Plan	HDFC	₹25.4126	17 Jul 2026
Nippon India Banking and PSU Fund- Direct Plan-Growth Plan- Growth Option	Nippon India	₹22.8275	17 Jul 2026
SBI BANKING & PSU FUND - Direct Plan - Growth	SBI	₹3,512.4985	17 Jul 2026
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Growth	ICICI Prudential	₹36.3286	17 Jul 2026
Invesco India Banking and PSU Fund - Direct Plan - Growth Option	Invesco	₹2,569.5096	17 Jul 2026
Bandhan Banking and PSU Fund - Direct Growth	Bandhan	₹26.9584	17 Jul 2026
Aditya Birla Sun Life Banking & PSU Debt Fund- Direct Plan-Growth	Aditya Birla Sun Life	₹402.5843	17 Jul 2026
Franklin India Banking & PSU Debt Fund - Direct - Growth	Franklin India	₹25.0706	17 Jul 2026
Mirae Asset Banking and PSU Fund - Direct Plan - Growth	Mirae Asset	₹13.9659	17 Jul 2026
Edelweiss Banking and PSU Debt Fund - Direct Plan - Growth Option	Edelweiss	₹26.8769	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹72.5392
16 Jul 2026	₹72.5242
15 Jul 2026	₹72.4835
14 Jul 2026	₹72.4279
13 Jul 2026	₹72.5582
10 Jul 2026	₹72.5432
9 Jul 2026	₹72.4984
8 Jul 2026	₹72.4743
7 Jul 2026	₹72.6572
6 Jul 2026	₹72.6730

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of Kotak Banking and PSU Debt Direct - Growth is ₹72.5392. It's a Banking & PSU Fund from Kotak, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak Banking and PSU Debt Direct - Growth has NAV history starting from 14 Aug 2013, a track record of about 12 years 11 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Kotak Banking and PSU Debt Direct - Growth is managed by Kotak. It's classified by AMFI under the 'Banking & PSU Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Banking and PSU Debt Direct - Growth has delivered a absolute return of 5.64% — +0.27 pp ahead of the Banking & PSU Fund category average of 5.37%. The fund ranks #6 of 22 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Kotak Banking and PSU Debt Direct - Growth has delivered a CAGR of 7.53% — +0.3 pp ahead of the Banking & PSU Fund category average of 7.24%. The fund ranks #1 of 20 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Kotak Banking and PSU Debt Direct - Growth has delivered a CAGR of 6.67% — +0.29 pp ahead of the Banking & PSU Fund category average of 6.38%. The fund ranks #3 of 18 in its category — the top (Q1) quartile.

₹1 lakh invested in Kotak Banking and PSU Debt Direct - Growth exactly 10 years ago would be worth approximately ₹207,721 today — a multiplier of 2.08×, based on the 10-year CAGR of 7.58%. The category average over the same window would have grown ₹1 lakh to ₹200,461.

A ₹10,000 monthly SIP in Kotak Banking and PSU Debt Direct - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹719,935 today. That's an XIRR (money-weighted annualised return) of 7.22%.

A ₹10,000 monthly SIP for 10 years in Kotak Banking and PSU Debt Direct - Growth = ₹1,200,000 invested. It would currently be worth ₹1,746,335 (multiplier 1.46×). XIRR: 7.29%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Banking and PSU Debt Direct - Growth ranks #3 out of 18 funds in the Banking & PSU Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 6.38%; this fund delivered 6.67%.

The worst peak-to-trough decline Kotak Banking and PSU Debt Direct - Growth has experienced over the last 5-year window is 1.08% — its NAV fell from a high on 07 Apr 2022 to a low on 06 May 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Kotak Banking and PSU Debt Direct - Growth averaged 7.82% (best 9.35%, worst 6.33%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.00 — weak risk-adjusted performance.

In calendar year 2025, Kotak Banking and PSU Debt Direct - Growth returned 8.06% — beating the Banking & PSU Fund category average of 7.73% by 0.33 pp. It ranked #2 of 21 in its category that year.

Kotak Banking and PSU Debt Direct - Growth doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Kotak Banking and PSU Debt Direct - Growth is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.1%. 5-year CAGR: 6.67%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

Kotak Banking and PSU Debt Direct - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Banking & PSU Fund

Recent NAVs

Frequently asked questions

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