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

IDCW
10.330.13% (+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

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

IDCW
DebtBanking & PSU Fund
Large-size FundAssets Under Mgmt: ₹ 5,714 Cr
Moderate RiskPrinciple investment will be at moderate risk
10.330.13% (+0.01)

Price Chart

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Returns
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SIP
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1M
6M
1Y
3Y
5Y
Max
SIP
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

DebtBanking & PSU Fund
Large-size FundAssets Under Mgmt: ₹ 5,714 Cr
Moderate RiskPrinciple investment will be at moderate risk

Key Metrics

Expense RatioExpense RatioNo LabelNo LabelNo LabelNo Label
0.397.375.50
No LabelNo LabelNo LabelNo LabelNo LabelNo Label
0.507.365.76

Scheme Info

PlanPlanLock inLock inExit LoadExit Load
IDCW0 yrs0.00%
Nil
SIP Inv.SIP Inv.Min. LumpsumMin. Lumpsum
Allowed₹ 100
Initial: ₹ 100 Incremental: ₹ 100
BenchmarkBenchmark
CRISIL Banking and PSU Debt Index

About Banking & PSU Fund

Banking and PSU funds are the debt funds that lend money to banks and public sector companies only. The risk of default is less as the borrowers are of high quality. The performance also depends on the interest rates in the economy.

Peers & Comparison

Comparing 3 mutual funds from 
DebtBanking & PSU Fund

Returns

Scheme

Ratios

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Mutual Fund1Y Returns1Y Returns3Y CAGR3Y CAGRLife CAGRLife CAGR
Kotak Banking and PSU Debt Fund(M-IDCW Payout)0.59%-0.18%-0.16%
Bandhan Banking & PSU Debt Fund(DD-IDCW)0.20%0.03%0.44%
Axis Banking & PSU Debt Fund(W-IDCW)0.33%0.08%0.32%
Aditya Birla SL Banking & PSU Debt(IDCW-Reinv)-5.91%-6.44%0.36%

Price Comparison

Compare Kotak Banking and PSU Debt Fund(M-IDCW Payout) with any MF, ETF, stock or index
Compare Kotak Banking and PSU Debt Fund(M-IDCW Payout) with any MF, ETF, stock or index
Kotak Banking and PSU Debt Fund(M-IDCW Payout)
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Asset Allocation

Actual

Target

Dec 2023

Mar 2024

Jun 2024

Sep 2024

ACTUAL
Cash & EquivalentsGovernment SecuritiesCorporate Debt0.27%3.14%24.69%71.90%

Dec 2023

Mar 2024

Jun 2024

Sep 2024

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Sector Distribution

+6 morePower GenerationPrivate BanksConsumer FinanceG-SecPublic Banks14.31 %6.39 %9.91 %17.93 %24.69 %26.76 %

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Tickertape Separator

Sector Weightage

Jun 23Sep 23Dec 23Mar 24Jun 24Sep 2437.65%35.26%31.20%24.66%29.99%26.76%
Public Banks as a % of total holdings for last six quarters
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Current Holdings

Debt

Others

  • Constituent
    Holding Weight
    3M Change
  • 7.18% Central Government - 2033
    SOV
    3M change : -1.84 %|SOV

    Holdings

    10.60 %

    -1.84 %
  • 7.1% Central Government - 2034
    Sov
    3M change : 5.38 %|Sov

    Holdings

    6.43 %

    5.38 %
  • 7.8% NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT
    FITCH AAA
    3M change : -0.71 %|FITCH AAA

    Holdings

    6.11 %

    -0.71 %

AMC Profile

Kotak Mahindra Asset Management Company Limited (KMAMC), a wholly owned subsidiary of Kotak Mahindra bank Limited (KMBL), is the Asset Manager for Kotak Mahindra Mutual Fund (KMMF). KMAMC has approximately 21 Lac investors in various schemes.

  • No.of Schemes

    73

  • Total AUM

    ₹ 4,61,458.09 Cr.

Fund Manager Profile

Deepak Agrawal

AUM:  ₹1,32,465.48 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 14yrs

Abhishek Bisen

AUM:  ₹1,19,614.14 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 6yrs

Manager Performance (0)

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Tax Implications

Invested period < 2 years

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments from 1st April 2023)

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments before 1st April 2023)

Gains are treated as long-term capital gains and taxed at 12.5%

Let’s calculate your returns after tax

Investment frequency

Monthly

One Time

Monthly Investment Amt. (₹)

Investment period (years)

CAGR (%)
This CAGR is calculated based on the actual past return given by the fund during the selected investment period. This is the annualised growth rate assuming monthly compounding.
Annual Income
As per the tax implications, in some cases, tax on MF returns depends on your annual income slab

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Opinions and Fund Reviews

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