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Kotak Banking and PSU Debt Fund(M-IDCW Payout)

IDCW
10.240.10% (-0.01)
Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Other Funds in the same category are generating better returns

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has not been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

OverviewPeersPortfolioFund ManagerOpinions

Asset Allocation

Actual

Target

Jun 2023

Sep 2023

Dec 2023

Mar 2024

ACTUAL
Certificate of DepositCash & EquivalentsGovernment SecuritiesCorporate Debt0.12%0.25%2.48%24.76%72.39%

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Tickertape Separator

Sector Distribution

+5 morePower GenerationPrivate BanksConsumer FinancePublic BanksG-Sec13.18 %6.15 %10.75 %20.51 %24.66 %24.76 %

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Tickertape Separator

Sector Weightage

Dec 22Mar 23Jun 23Sep 23Dec 23Mar 2420.54%21.59%16.52%19.20%18.88%24.76%
G-Sec as a % of total holdings for last six quarters
Tickertape Separator

Current Holdings

Debt

Others

  • Constituent
    Holding Weight
    3M Change
  • 7.18% Central Government - 2037
    SOV
    3M change : 7.34 %|SOV

    Holdings

    14.32 %

    7.34 %
  • 7.8% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT
    FITCH AAA
    3M change : 5.86 %|FITCH AAA

    Holdings

    5.86 %

    5.86 %
  • Central Government - 2033
    SOV
    3M change : -4.61 %|SOV

    Holdings

    5.08 %

    -4.61 %
  • 7.18% Central Government - 2033
    SOV
    3M change : 3.44 %|SOV

    Holdings

    4.71 %

    3.44 %
  • 7.69% HDFC BANK LTD.**
    CRISIL AAA
    3M change : 0.01 %|CRISIL AAA

    Holdings

    3.92 %

    0.01 %
  • 7.70% Power Grid Corporation of India Ltd.(^)**
    CRISIL AAA
    3M change : 0.02 %|CRISIL AAA

    Holdings

    3.38 %

    0.02 %
  • Rural Electrification Corporation Ltd. ( BEACON Trusteeship Limited) **
    CRISIL AAA
    3M change : -0.00 %|CRISIL AAA

    Holdings

    2.66 %

    -0.00 %
  • 7.77% Rural Electrification Corporation Ltd.**
    CRISIL AAA
    3M change : 1.01 %|CRISIL AAA

    Holdings

    2.61 %

    1.01 %
  • 7.69% Rural Electrification Corporation Ltd.**
    FITCH AAA(IND)
    3M change : 0.02 %|FITCH AAA(IND)

    Holdings

    2.53 %

    0.02 %
  • 7.67% LIC HOUSING FINANCE LTD.**
    CRISIL AAA
    3M change : 2.50 %|CRISIL AAA

    Holdings

    2.50 %

    2.50 %
  • State Bank Of India.**
    CRISIL AAA
    3M change : 0.02 %|CRISIL AAA

    Holdings

    2.34 %

    0.02 %
  • Union Bank of India - (AT1 Bonds)**
    CARE AA-
    3M change : -0.01 %|CARE AA-

    Holdings

    2.31 %

    -0.01 %
  • 7.83% SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA
    CRISIL AAA
    3M change : 1.43 %|CRISIL AAA

    Holdings

    2.27 %

    1.43 %
  • 7.37% Power Finance Corporation Ltd.
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    2.07 %

    0.00 %
  • Allahabad Bank
    CRISIL AA-
    3M change : -0.04 %|CRISIL AA-

    Holdings

    1.93 %

    -0.04 %
  • 7.43% SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**
    CRISIL AAA
    3M change : -1.24 %|CRISIL AAA

    Holdings

    1.91 %

    -1.24 %
  • Punjab National Bank**
    CRISIL AA+
    3M change : -0.01 %|CRISIL AA+

    Holdings

    1.81 %

    -0.01 %
  • 7.68% INDIAN RAILWAY FINANCE CORPORATION LTD.
    ICRA AAA
    3M change : 0.00 %|ICRA AAA

    Holdings

    1.68 %

    0.00 %
  • 7.77% Power Finance Corporation Ltd.
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    1.67 %

    0.00 %
  • 7.75% SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA
    CRISIL AAA
    3M change : 1.67 %|CRISIL AAA

    Holdings

    1.67 %

    1.67 %
  • 7.64% Rural Electrification Corporation Ltd.
    ICRA AAA
    3M change : 1.67 %|ICRA AAA

    Holdings

    1.67 %

    1.67 %
  • 7.59% Power Finance Corporation Ltd. ( BEACON TRUSTEESHIP LTD) (^)**
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    1.67 %

    0.00 %
  • Canara Bank
    FITCH IND AAA
    3M change : -0.01 %|FITCH IND AAA

    Holdings

    1.65 %

    -0.01 %
  • Power Finance Corporation Ltd. ( Milestone Trusteeship Services Pvt Ltd) (^)**
    CRISIL AAA
    3M change : -0.00 %|CRISIL AAA

    Holdings

    1.58 %

    -0.00 %
  • 7.4% Power Grid Corporation of India Ltd.
    CRISIL AAA
    3M change : -0.03 %|CRISIL AAA

    Holdings

    1.51 %

    -0.03 %
  • 7.75% HDFC BANK LTD.**
    CRISIL AAA
    3M change : 0.67 %|CRISIL AAA

    Holdings

    1.50 %

    0.67 %
  • 7.7% NUCLEAR POWER CORPORATION OF INDIA LTD.
    ICRA AAA
    3M change : 0.00 %|ICRA AAA

    Holdings

    1.26 %

    0.00 %
  • 7.8% HDFC BANK LTD.
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    1.26 %

    0.00 %
  • 7.8% HDFC BANK LTD.**
    CRISIL AAA
    3M change : 0.01 %|CRISIL AAA

    Holdings

    1.17 %

    0.01 %
  • 7.64% Power Finance Corporation Ltd.**
    ICRA AAA
    3M change : -1.24 %|ICRA AAA

    Holdings

    1.03 %

    -1.24 %
  • 8.01% Rural Electrification Corporation Ltd.**
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    1.03 %

    0.00 %
  • 9% HDFC BANK LTD.**
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    0.87 %

    0.00 %
  • 8.8% Food Corporation of India**
    CRISIL AAA(CE)
    3M change : -0.00 %|CRISIL AAA(CE)

    Holdings

    0.87 %

    -0.00 %
  • 7.79% SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    0.84 %

    0.00 %
  • Food Corporation of India ( Standalone Rating AA) **
    CRISIL AAA(CE)
    3M change : 0.83 %|CRISIL AAA(CE)

    Holdings

    0.83 %

    0.83 %
  • 7.77% HDFC BANK LTD.**
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    0.83 %

    0.00 %
  • 7.49% National Bank for Agriculture & Rural Development
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    0.83 %

    0.00 %
  • 7.05% Mahanagar Telephone Nigam Ltd. ( ) **
    CRISIL AAA(CE)
    3M change : 0.81 %|CRISIL AAA(CE)

    Holdings

    0.81 %

    0.81 %
  • 7.97% HDFC BANK LTD.**
    CRISIL AAA
    3M change : -0.08 %|CRISIL AAA

    Holdings

    0.76 %

    -0.08 %
  • 7.63% Maharashtra State Govt - 2035 - Maharashtra
    Sov
    3M change : 0.65 %|Sov

    Holdings

    0.65 %

    0.65 %
  • DME Development Limited ( SBICAP Trustee Company Ltd. Step up @ 0.25bps if downgrade below AA)
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    0.54 %

    0.00 %
  • DME Development Limited ( SBICAP Trustee Company Ltd. Step up @ 0.25bps if downgrade below AA)
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    0.54 %

    0.00 %
  • DME Development Limited ( SBICAP Trustee Company Ltd. Step up @ 0.25bps if downgrade below AA)
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    0.54 %

    0.00 %
  • DME Development Limited ( SBICAP Trustee Company Ltd. Step up @ 0.25bps if downgrade below AA)
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    0.54 %

    0.00 %
  • DME Development Limited ( SBICAP Trustee Company Ltd. Step up @ 0.25bps if downgrade below AA)
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    0.54 %

    0.00 %
  • DME Development Limited ( SBICAP Trustee Company Ltd. Step up @ 0.25bps if downgrade below AA)
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    0.54 %

    0.00 %
  • DME Development Limited ( SBICAP Trustee Company Ltd. Step up @ 0.25bps if downgrade below AA)
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    0.53 %

    0.00 %
  • DME Development Limited ( SBICAP Trustee Company Ltd. Step up @ 0.25bps if downgrade below AA)
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    0.53 %

    0.00 %
  • DME Development Limited ( SBICAP Trustee Company Ltd. Step up @ 0.25bps if downgrade below AA)
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    0.53 %

    0.00 %
  • DME Development Limited ( SBICAP Trustee Company Ltd. Step up @ 0.25bps if downgrade below AA)
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    0.53 %

    0.00 %
  • 7.55% SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA**
    CRISIL AAA
    3M change : 0.50 %|CRISIL AAA

    Holdings

    0.50 %

    0.50 %
  • 9% HDFC BANK LTD.**
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    0.44 %

    0.00 %
  • Bank Of Baroda ( IDBI Trustsheep Services Limite) - (AT1 bonds)
    CRISIL AA+
    3M change : -0.50 %|CRISIL AA+

    Holdings

    0.33 %

    -0.50 %
  • Bank Of Baroda
    FITCH AAA(IND)
    3M change : -0.00 %|FITCH AAA(IND)

    Holdings

    0.22 %

    -0.00 %
  • 7.59% Power Finance Corporation Ltd.**
    CRISIL AAA
    3M change : 0.17 %|CRISIL AAA

    Holdings

    0.17 %

    0.17 %
  • CANARA BANK**
    CRISIL A1+
    3M change : 0.12 %|CRISIL A1+

    Holdings

    0.12 %

    0.12 %
  • Rural Electrification Corporation Ltd.
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    0.09 %

    0.00 %
  • 7.8% Mahanagar Telephone Nigam Ltd. ( )
    CARE AAA(CE)
    3M change : 0.08 %|CARE AAA(CE)

    Holdings

    0.08 %

    0.08 %
  • 7.57% National Bank for Agriculture & Rural Development ( Axis Trustee Services Limite)
    FITCH AAA(IND)
    3M change : -1.58 %|FITCH AAA(IND)

    Holdings

    0.08 %

    -1.58 %
  • Power Finance Corporation Ltd.
    CRISIL AAA
    3M change : 0.00 %|CRISIL AAA

    Holdings

    0.04 %

    0.00 %
  • State Government - 2030 - Gujarat
    SOV
    3M change : 0.00 %|SOV

    Holdings

    0.01 %

    0.00 %
  • Canara Bank ( SBICAP Trustee Company Ltd) **
    CRISIL AA
    3M change : -1.33 %|CRISIL AA

    Holdings

    0.00 %

    -1.33 %
  • Mangalore Refinery and Petrochemicals Ltd. ( SBICAP TRUSTEE COMPANY LIMITE)
    FITCH AAA(IND)
    3M change : -0.81 %|FITCH AAA(IND)

    Holdings

    0.00 %

    -0.81 %
  • Central Government - 2025
    Sov
    3M change : -0.17 %|Sov

    Holdings

    0.00 %

    -0.17 %
  • 7.59% Small Industries Development Bank Of India ( IDBI Trusteeship Services Ltd) **
    CRISIL AAA
    3M change : -3.61 %|CRISIL AAA

    Holdings

    0.00 %

    -3.61 %
  • 7.4% National Bank for Agriculture & Rural Development ( Axis Trustee Services Limite) **
    CRISIL AAA
    3M change : -5.31 %|CRISIL AAA

    Holdings

    0.00 %

    -5.31 %
  • 7.51% Rural Electrification Corporation Ltd.**
    ICRA AAA
    3M change : -1.66 %|ICRA AAA

    Holdings

    0.00 %

    -1.66 %
  • Rural Electrification Corporation Ltd.**
    CRISIL AAA
    3M change : -0.75 %|CRISIL AAA

    Holdings

    0.00 %

    -0.75 %
  • 7.54% Small Industries Development Bank Of India
    ICRA AAA
    3M change : -0.83 %|ICRA AAA

    Holdings

    0.00 %

    -0.83 %
  • 7.5% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT**
    CRISIL AAA
    3M change : -1.66 %|CRISIL AAA

    Holdings

    0.00 %

    -1.66 %
  • 7.37% Central Government - 2028
    Sov
    3M change : -0.76 %|Sov

    Holdings

    0.00 %

    -0.76 %