Kotak

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

Latest NAV

₹10.2435

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%	+0.01%	+0.01	25 / 60	Q2
1W	-0.87%	-0.06%	-0.81	60 / 60	Q4
2W	-1.03%	-0.13%	-0.90	60 / 60	Q4
1M	-0.13%	+0.04%	-0.16	38 / 60	Q3
3M	-0.24%	+0.62%	-0.85	53 / 60	Q4
6M	+0.19%	+1.01%	-0.81	35 / 60	Q3
YTD	-0.28%	+0.57%	-0.86	49 / 60	Q4
1Y	-0.13%	+1.29%	-1.42	36 / 60	Q3
2Y	-0.09%	+2.22%	-2.31	42 / 60	Q3
3Y	-0.12%	+1.98%	-2.10	49 / 57	Q4
4Y	-0.03%	+1.93%	-1.97	41 / 52	Q4
5Y	-0.28%	+1.64%	-1.93	44 / 50	Q4
7Y	-0.46%	+1.46%	-1.92	44 / 47	Q4
10Y	-0.59%	+1.38%	-1.98	36 / 37	Q4
Inception	-0.25%	+2.02%	-2.26	56 / 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	-0.28%	+0.54%	-0.83	42 / 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

-0.46%

146 windows

min -3.3% · max 2.7%

28% positive

3-Year rolling

-0.57%

122 windows

min -1.5% · max 1.2%

9% positive

5-Year rolling

-0.62%

97 windows

min -1.1% · max 0.0%

0% positive

7-Year rolling

-0.62%

73 windows

min -0.9% · max -0.1%

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

0.76%

3-year · annualised

Sharpe ratio

-8.68

vs risk-free 6.5%

Sortino ratio

-12.12

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	₹10.0100	17 Jul 2026
NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option	Nippon India	₹22.8275	17 Jul 2026
SBI Banking & PSU Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,547.1581	17 Jul 2026
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹13.1750	17 Jul 2026
Invesco India Banking and PSU Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,063.0787	17 Jul 2026
Bandhan Banking and PSU Fund - Direct Annual IDCW	Bandhan	₹12.3368	17 Jul 2026
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹106.6001	17 Jul 2026
Franklin India Banking and PSU Debt Fund - Direct - IDCW	Franklin India	₹11.5230	17 Jul 2026
Mirae Asset Banking and PSU Fund - Direct Plan - IDCW	Mirae Asset	₹13.9587	17 Jul 2026
Edelweiss Banking and PSU Debt Fund - Direct Plan - IDCW Option	Edelweiss	₹18.6172	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹10.2435
16 Jul 2026	₹10.2414
15 Jul 2026	₹10.2356
14 Jul 2026	₹10.2278
13 Jul 2026	₹10.3354
10 Jul 2026	₹10.3333
9 Jul 2026	₹10.3269
8 Jul 2026	₹10.3235
7 Jul 2026	₹10.3495
6 Jul 2026	₹10.3518

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 - Monthly Payout of Income Distribution cum capital withdrawal option is ₹10.2435. 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 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 - 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 -0.13% — -1.42 pp behind the Banking & PSU Fund category average of 1.29%. The fund ranks #36 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 -0.12% — -2.1 pp behind the Banking & PSU Fund category average of 1.98%. The fund ranks #49 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 -0.28% — -1.93 pp behind the Banking & PSU Fund category average of 1.64%. The fund ranks #44 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 ₹94,233 today — a multiplier of 0.94×, based on the 10-year CAGR of -0.59%. The category average over the same window would have grown ₹1 lakh to ₹114,739.

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 ₹598,358 today. That's an XIRR (money-weighted annualised return) of -0.11%.

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 ₹1,178,449 (multiplier 0.98×). XIRR: -0.36%. 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 #44 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 1.64%; this fund delivered -0.28%.

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 -0.62% (best -0.01%, worst -1.11%). 0% of rolling windows ended positive. The 5-year Sharpe ratio is -9.49 — 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: -0.28%.

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