Kotak Banking and PSU Debt Fund

Primarily market-linked growth exposure

To generate income by predominantly investing in debt & money market securities issued by Banks, Public Sector Undertaking (PSUs), Public Financial Institutions (PFI), Municipal Bonds and Reverse repos in such securities, sovereign securities issued by the Central Government and State Governments, and / or any security unconditionally guaranteed by the Govt. of India. There is no assurance that or guarantee that the investment objective of the scheme will be achieved.

How the money may be invested

Debt & Money Market instruments issued by Banks, PSUs, PFIs and Municipal Bonds. - 80% to 100% - Low to Medium Central Government and State government securities/ other instruments - 0% to 20% - Low to Medium Units issued by REITs & InvITs - 0%-10%Low to Medium- The scheme shall ensure that for asset allocation limits as provided in above table, the base shall be considered as net assets excluding the extent of minimum stipulated eligible assets i.e. higher of 10% of net assets or LR-CRaR as prescribed at Annexure 1 of AMFI Best Practices Guidelines Circular No.93 / 2021-22 dated July 24, 2021.

SEBI category

Banking and PSU Fund

Fund type

An open ended debt scheme predominantly investing in Debt instruments of banks, Public Sector Undertakings, Public Financial Institutions and Municipal Bonds. A relatively high interest rate risk and moderate credit risk.

Primary benchmark

CRISIL Banking & PSU Debt A-II Index

Use the latest monthly portfolio

Top holdings are the largest securities currently owned by the scheme. Names and weights can change every month, so a copied list can become misleading. Open the AMC's current official portfolio or factsheet below and look for this exact fund name.

Manager and scheme tenure

Fund manager(s)

FM 1 Mr. Deepak Agrawal FM2 Mr. Dharmesh Thakar

Manager tenure on this scheme

Since FM 1 01/08/2008 FM 2 01/11/2022

Role / co-management

FM 1 Primary, FM 2 Primary

The tenure above is experience managing this scheme, not the manager's total career experience. For education, qualifications and prior roles, open the latest official AMC factsheet or manager profile below.

Latest NAV records

NAV is a per-unit accounting value. Compare returns, portfolio, risk and cost — never choose a fund only because its NAV looks low.

What you pay and how money moves

Stated expense ratio

Regular 0.75%, Direct 0.40%

Exit load

Nil

Minimum application

Rs. 100/- · multiples of Any amount thereafter Rs. 100

SIP frequency

SIP - Daily, Weekly, Monthly, Quarterly, Half – Yearly and Annually SWP - Daily, Weekly, Monthly, Quarterly, Half – Yearly and Annually STP - Daily, Weekly, Monthly & Quarterly

Minimum SIP amount

SIP - Rs. 100/- and any amount thereafter,SWP - Rs. 1000 STP - Rs. 1000

Minimum instalments

SIP - N.A SWP - 6 installments STP - 6 installments

How a mutual-fund investment is paid

1. Complete KYCIdentity, PAN, bank and contact verification are required.
2. Choose route and optionUnderstand direct vs regular and growth vs IDCW before selecting.
3. Choose SIP or lump sumSIP uses an automated mandate; lump sum is a one-time payment.
4. Receive units at applicable NAVCut-off time, cleared funds and scheme rules determine the applicable NAV.
5. Review, do not chaseTrack goal fit, risk, manager/mandate changes, costs and portfolio — not daily noise.

Download and verify at source

The packaged Scheme Summary PDF is the official AMFI file, unchanged. Live AMC links are included for time-sensitive factsheets, top holdings and portfolios.

Source verification date: 06 September 2026. If a live document differs from this page, rely on the newer official document.