Kotak

Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option

Latest NAV

₹10.2444

As of

3 Jun 2026

3,087 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	+0.07%	+0.04%	+0.03	20 / 60	Q2
1W	+0.23%	+0.18%	+0.05	30 / 60	Q2
2W	+0.36%	+0.25%	+0.11	28 / 60	Q2
1M	-0.04%	+0.10%	-0.14	52 / 60	Q4
3M	-0.43%	-0.18%	-0.24	44 / 60	Q3
6M	-0.25%	+0.11%	-0.37	43 / 60	Q3
YTD	-0.26%	+0.01%	-0.27	45 / 60	Q3
1Y	-0.98%	+0.62%	-1.60	45 / 60	Q3
2Y	-0.36%	+2.02%	-2.38	55 / 60	Q4
3Y	-0.18%	+1.80%	-1.99	51 / 57	Q4
4Y	0.00%	+1.90%	-1.90	43 / 51	Q4
5Y	-0.36%	+1.49%	-1.84	45 / 50	Q4
7Y	-0.67%	+1.49%	-2.16	45 / 47	Q4
10Y	-0.60%	+1.37%	-1.98	36 / 37	Q4
Inception	-0.25%	+1.97%	-2.22	55 / 57	Q4

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	-0.26%	-0.12%	-0.14	38 / 51
2025	-0.01%	+2.37%	-2.37	43 / 52
2024	-0.34%	+2.35%	-2.69	51 / 53
2023	+0.31%	+2.08%	-1.77	27 / 51
2022	-0.98%	+1.10%	-2.08	44 / 50
2021	-1.47%	-0.84%	-0.63	40 / 50
2020	-1.10%	+2.60%	-3.70	44 / 47
2019	+0.10%	+1.86%	-1.76	31 / 45
2018	-0.45%	+1.66%	-2.11	45 / 46
2017	-0.91%	+0.89%	-1.80	38 / 46
2016	-1.40%	+2.60%	-3.99	43 / 43

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

-0.44%

144 windows

min -2.1% · max 1.7%

28% positive

3-Year rolling

-0.54%

120 windows

min -1.2% · max 0.6%

7% positive

5-Year rolling

-0.61%

96 windows

min -1.1% · max 0.1%

1% positive

7-Year rolling

-0.63%

71 windows

min -0.8% · max -0.2%

0% 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

1.50%

3-year · annualised

Sharpe ratio

-4.44

vs risk-free 6.5%

Sortino ratio

-6.37

Downside-only deviation

Max drawdown

-2.48%

Apr 2025 → May 2026

% positive months

44.4%

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 - IDCW Option - Direct Plan	HDFC	₹10.0227	3 Jun 2026
NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option	Nippon India	₹22.3658	3 Jun 2026
SBI Banking & PSU Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,520.0680	3 Jun 2026
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹12.9930	3 Jun 2026
Invesco India Banking and PSU Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,062.6489	3 Jun 2026
Bandhan Banking and PSU Fund - Direct Annual IDCW	Bandhan	₹12.0978	3 Jun 2026
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹104.7496	3 Jun 2026
Franklin India Banking and PSU Debt Fund - Direct - IDCW	Franklin India	₹11.5390	3 Jun 2026
Mirae Asset Banking and PSU Fund - Direct Plan - IDCW	Mirae Asset	₹13.7262	3 Jun 2026
Edelweiss Banking and PSU Debt Fund - Direct Plan - IDCW Option	Edelweiss	₹18.3577	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.2444
2 Jun 2026	₹10.2459
1 Jun 2026	₹10.2392
29 May 2026	₹10.2340
27 May 2026	₹10.2277
26 May 2026	₹10.2220
25 May 2026	₹10.2222
22 May 2026	₹10.2070
21 May 2026	₹10.1972
20 May 2026	₹10.2040

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 03 Jun 2026, the NAV of Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option is ₹10.2444. It's a Banking & PSU Fund from Kotak, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option has NAV history starting from 14 Aug 2013, a track record of about 12 years 9 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 - Monthly Payout of Income Distribution cum capital withdrawal option 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 - Monthly Payout of Income Distribution cum capital withdrawal option has delivered a absolute return of -0.98% — -1.6 pp behind the Banking & PSU Fund category average of 0.62%. The fund ranks #45 of 60 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option has delivered a CAGR of -0.18% — -1.99 pp behind the Banking & PSU Fund category average of 1.80%. The fund ranks #51 of 57 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option has delivered a CAGR of -0.36% — -1.84 pp behind the Banking & PSU Fund category average of 1.49%. The fund ranks #45 of 50 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option exactly 10 years ago would be worth approximately ₹94,140 today — a multiplier of 0.94×, based on the 10-year CAGR of -0.60%. The category average over the same window would have grown ₹1 lakh to ₹114,619.

A ₹10,000 monthly SIP in Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option over the last 5 years — total invested ₹600,000 — would be worth ₹596,628 today. That's an XIRR (money-weighted annualised return) of -0.22%.

A ₹10,000 monthly SIP for 10 years in Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option = ₹1,200,000 invested. It would currently be worth ₹1,173,714 (multiplier 0.98×). XIRR: -0.44%. 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 - Monthly Payout of Income Distribution cum capital withdrawal option ranks #45 out of 50 funds in the Banking & PSU Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 1.49%; this fund delivered -0.36%.

The worst peak-to-trough decline Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option has experienced over the last 5-year window is 2.52% — its NAV fell from a high on 13 Sep 2021 to a low on 21 May 2026. 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 - Monthly Payout of Income Distribution cum capital withdrawal option averaged -0.61% (best 0.11%, worst -1.09%). 1% of rolling windows ended positive. The 5-year Sharpe ratio is -5.12 — negative risk-adjusted performance.

In calendar year 2025, Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option returned -0.01% — lagging the Banking & PSU Fund category average of 2.37% by 2.37 pp. It ranked #43 of 52 in its category that year.

Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option 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 - Monthly Payout of Income Distribution cum capital withdrawal option 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: 2.5%. 5-year CAGR: -0.36%.

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