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Two Banking & PSU funds side by side: returns, costs, size, risk and how much their portfolios overlap.
Kotak Banking and PSU Debt Direct vs Nippon India Banking and PSU Debt Fund, as of 9 Nov 2026: Kotak Banking and PSU Debt Direct NAV ₹73.22, 3Y CAGR 7.2%, expense ratio 0.40%; Nippon India Banking and PSU Debt Fund NAV ₹23.03, 3Y CAGR 7.0%, expense ratio 0.39%; about 0% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| Kotak Banking and PSU Debt Direct Direct Growth | Nippon India Banking and PSU Debt Fund Direct Growth | |
|---|---|---|
| Category | Banking & PSU | Banking & PSU |
| Fund house | Kotak Mahindra Mutual Fund | Nippon India Mutual Fund |
| Plan | Direct Plan · Growth | Direct Plan · Growth Option |
| NAV | ₹73.22 (9 Nov 2026) | ₹23.03 (9 Nov 2026) |
| 1Y return | 4.8% | 4.3% |
| 3Y CAGR | 7.2% | 7.0% |
| 5Y CAGR | 6.5% | 6.2% |
| Since launch (CAGR) | 8.0% | 7.5% |
| Expense ratio | 0.40% | 0.39% |
| AUM | ₹4,694 cr | ₹4,892 cr |
| Risk-o-meter | Moderate | Moderate |
| Benchmark | CRISIL Banking and PSU Debt A-II Index | CRISIL Banking and PSU Debt A-II Index |
| Exit load | — | Entry & Exit Load: Nil |
| Minimum SIP | ₹100 | ₹100 |
| Holdings | 60 | 104 |
| Top 10 holdings weight | 35.9% | 26.5% |
| Portfolio overlap | About 0% 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 →Kotak Banking and PSU Debt Direct has the higher 5-year CAGR (as of 9 Nov 2026): Kotak Banking and PSU Debt Direct 6.5% a year vs Nippon India Banking and PSU Debt Fund 6.2% a year. Past performance is not indicative of future results.
Nippon India Banking and PSU Debt Fund costs less: Kotak Banking and PSU Debt Direct charges 0.40% a year and Nippon India Banking and PSU Debt Fund 0.39% a year.
Nippon India Banking and PSU Debt Fund is larger: Kotak Banking and PSU Debt Direct manages ₹4,694 cr and Nippon India Banking and PSU Debt Fund ₹4,892 cr (as of 9 Nov 2026).
About 0% 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