Should I invest in Kotak Banking and PSU Debt?

We don't give personal investment advice. Kotak Banking and PSU Debt - 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: 6.25%.

Kotak

Kotak Banking and PSU Debt - Growth

Latest NAV

₹69.3660

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.

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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	4 / 6	Q3
1W	-0.01%	-0.05%	+0.04	2 / 6	Q2
2W	-0.18%	-0.13%	-0.05	4 / 6	Q3
1M	+0.71%	+0.54%	+0.17	3 / 6	Q2
3M	+1.83%	+1.55%	+0.28	3 / 6	Q2
6M	+3.15%	+2.85%	+0.30	3 / 6	Q2
YTD	+2.91%	+2.42%	+0.48	2 / 6	Q2
1Y	+5.27%	+5.17%	+0.10	3 / 6	Q2
2Y	+7.16%	+7.18%	-0.02	3 / 6	Q2
3Y	+7.13%	+7.06%	+0.07	3 / 5	Q3
4Y	+7.08%	+7.00%	+0.08	2 / 5	Q2
5Y	+6.25%	+6.15%	+0.10	2 / 5	Q2
7Y	+6.72%	+6.64%	+0.08	1 / 5	Q1
10Y	+7.18%	+7.05%	+0.13	1 / 5	Q1
Inception	+7.76%	+7.62%	+0.14	3 / 6	Q2

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	+2.91%	+2.90%	+0.01	2 / 5
2025	+7.68%	+7.58%	+0.10	2 / 5
2024	+7.98%	+7.82%	+0.15	1 / 5
2023	+6.75%	+6.90%	-0.15	5 / 5
2022	+3.60%	+3.52%	+0.08	2 / 5
2021	+3.86%	+3.81%	+0.05	2 / 5
2020	+10.41%	+9.99%	+0.42	3 / 5
2019	+10.91%	+10.61%	+0.30	2 / 5
2018	+6.62%	+5.21%	+1.42	2 / 6
2017	+5.99%	+5.74%	+0.25	2 / 6
2016	+9.90%	+10.50%	-0.60	5 / 6

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

+7.63%

146 windows

min 2.5% · max 12.0%

100% positive

3-Year rolling

+7.49%

122 windows

min 4.7% · max 9.8%

100% positive

5-Year rolling

+7.43%

97 windows

min 5.9% · max 9.0%

100% positive

7-Year rolling

+7.55%

73 windows

min 6.7% · max 9.2%

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

0.28

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.64%

May 2026 → May 2026

% positive months

94.4%

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 - Growth Option	HDFC	₹24.3114	17 Jul 2026
Nippon India Banking and PSU Fund- Growth Plan- Growth Option	Nippon India	₹21.9066	17 Jul 2026
ICICI Prudential Banking and PSU Debt Fund - Growth	ICICI Prudential	₹34.7276	17 Jul 2026
Franklin India Banking & PSU Debt Fund - Growth	Franklin India	₹23.9221	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹69.3660
16 Jul 2026	₹69.3523
15 Jul 2026	₹69.3140
14 Jul 2026	₹69.2615
13 Jul 2026	₹69.3868
10 Jul 2026	₹69.3745
9 Jul 2026	₹69.3323
8 Jul 2026	₹69.3099
7 Jul 2026	₹69.4855
6 Jul 2026	₹69.5013

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 - Growth is ₹69.3660. It's a Banking & PSU Fund from Kotak, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak Banking and PSU Debt - 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 - 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 - Growth has delivered a absolute return of 5.27% — +0.1 pp ahead of the Banking & PSU Fund category average of 5.17%. The fund ranks #3 of 6 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Kotak Banking and PSU Debt - Growth has delivered a CAGR of 7.13% — +0.07 pp ahead of the Banking & PSU Fund category average of 7.06%. The fund ranks #3 of 5 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Kotak Banking and PSU Debt - Growth has delivered a CAGR of 6.25% — +0.1 pp ahead of the Banking & PSU Fund category average of 6.15%. The fund ranks #2 of 5 in its category — the second (Q2) quartile.

₹1 lakh invested in Kotak Banking and PSU Debt - Growth exactly 10 years ago would be worth approximately ₹200,061 today — a multiplier of 2.00×, based on the 10-year CAGR of 7.18%. The category average over the same window would have grown ₹1 lakh to ₹197,559.

A ₹10,000 monthly SIP in Kotak Banking and PSU Debt - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹712,602 today. That's an XIRR (money-weighted annualised return) of 6.81%.

A ₹10,000 monthly SIP for 10 years in Kotak Banking and PSU Debt - Growth = ₹1,200,000 invested. It would currently be worth ₹1,709,056 (multiplier 1.42×). XIRR: 6.87%. 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 - Growth ranks #2 out of 5 funds in the Banking & PSU Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 6.15%; this fund delivered 6.25%.

The worst peak-to-trough decline Kotak Banking and PSU Debt - Growth has experienced over the last 5-year window is 1.11% — 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 - Growth averaged 7.43% (best 8.97%, worst 5.91%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.27 — negative risk-adjusted performance.

In calendar year 2025, Kotak Banking and PSU Debt - Growth returned 7.68% — beating the Banking & PSU Fund category average of 7.58% by 0.10 pp. It ranked #2 of 5 in its category that year.

Kotak Banking and PSU Debt - 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 - 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: 6.25%.

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

Kotak Banking and PSU Debt - 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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