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Two Banking & PSU funds side by side: returns, costs, size, risk and how much their portfolios overlap.
ICICI Prudential Banking and PSU Debt Fund vs Kotak Banking and PSU Debt Direct, as of 9 Nov 2026: ICICI Prudential Banking and PSU Debt Fund NAV ₹36.67, 3Y CAGR 7.1%, expense ratio 0.40%; Kotak Banking and PSU Debt Direct NAV ₹73.22, 3Y CAGR 7.2%, expense ratio 0.40%; about 16% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| ICICI Prudential Banking and PSU Debt Fund Direct Growth | Kotak Banking and PSU Debt Direct Direct Growth | |
|---|---|---|
| Category | Banking & PSU | Banking & PSU |
| Fund house | ICICI Prudential Mutual Fund | Kotak Mahindra Mutual Fund |
| Plan | Direct Plan · Growth | Direct Plan · Growth |
| NAV | ₹36.67 (9 Nov 2026) | ₹73.22 (9 Nov 2026) |
| 1Y return | 4.9% | 4.8% |
| 3Y CAGR | 7.1% | 7.2% |
| 5Y CAGR | 6.6% | 6.5% |
| Since launch (CAGR) | 8.0% | 8.0% |
| Expense ratio | 0.40% | 0.40% |
| AUM | ₹8,078 cr | ₹4,694 cr |
| Risk-o-meter | Moderate | Moderate |
| Benchmark | NIFTY Banking & PSU Debt Index A-II | CRISIL Banking and PSU Debt A-II Index |
| Exit load | Nil | — |
| Minimum SIP | — | ₹100 |
| Holdings | 96 | 60 |
| Top 10 holdings weight | 30.9% | 35.9% |
| Portfolio overlap | About 16% by weight, from the latest disclosed holdings | |
Returns are point-to-point for each plan, after its expense ratio; periods over one year are CAGR. Past performance is not indicative of future results.
Open in the compare tool: growth charts, SIP outcomes and shared holdings →ICICI Prudential Banking and PSU Debt Fund has the higher 5-year CAGR (as of 9 Nov 2026): ICICI Prudential Banking and PSU Debt Fund 6.6% a year vs Kotak Banking and PSU Debt Direct 6.5% a year. Past performance is not indicative of future results.
ICICI Prudential Banking and PSU Debt Fund costs less: ICICI Prudential Banking and PSU Debt Fund charges 0.40% a year and Kotak Banking and PSU Debt Direct 0.40% a year.
ICICI Prudential Banking and PSU Debt Fund is larger: ICICI Prudential Banking and PSU Debt Fund manages ₹8,078 cr and Kotak Banking and PSU Debt Direct ₹4,694 cr (as of 9 Nov 2026).
About 16% of their portfolios overlap by weight (the smaller weight of each common holding, summed), from the latest disclosed holdings.
Both are rated "Moderate" on SEBI's risk-o-meter.
We don't give recommendations. Jivani Markets is not a SEBI-registered investment adviser or research analyst. Whether a fund suits you depends on your goals, horizon and risk appetite; speak to a SEBI-registered investment adviser or an AMFI-registered mutual fund distributor before investing.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future results.
Returns are for Direct plans, after expenses (TER is already in the NAV). Research, not advice: we do not say a fund suits you. Disclaimer