Kotak Banking and PSU Debt Fund vs Franklin India Banking & PSU Debt Fund
Kotak Banking and PSU Debt Fund (Direct) and Franklin India Banking & PSU Debt Fund (Direct) head to head: growth of ₹100, returns across every window, risk, cost, and portfolio overlap — every figure computed from AMFI NAV history, nothing supplied by a fund house. Both are Banking and PSU Fund schemes — see the best banking & psu mutual funds for the full ranking.
Head to head
NAVs as of 05 Oct 2026
Growth of ₹100 (rebased over the selected window)
Common period 25 Apr 2014 – 05 Oct 2026, limited by Franklin India Banking & PSU Debt Fund. Every series is rebased to ₹100 at the start of this window.
View as table
| Date | Kotak Banking and PSU Debt Fund | Franklin India Banking & PSU Debt Fund |
|---|---|---|
| 25 Apr 2014 | ₹100.00 | ₹100.00 |
| 09 May 2015 | ₹109.42 | ₹110.75 |
| 22 May 2016 | ₹119.35 | ₹120.93 |
| 05 Jun 2017 | ₹131.37 | ₹132.16 |
| 18 Jun 2018 | ₹138.59 | ₹139.18 |
| 02 Jul 2019 | ₹153.58 | ₹155.49 |
| 15 Jul 2020 | ₹174.14 | ₹175.47 |
| 29 Jul 2021 | ₹183.25 | ₹183.55 |
| 12 Aug 2022 | ₹190.13 | ₹190.07 |
| 26 Aug 2023 | ₹203.99 | ₹202.73 |
| 07 Sep 2024 | ₹221.17 | ₹218.98 |
| 21 Sep 2025 | ₹239.80 | ₹237.80 |
| 05 Oct 2026 | ₹253.45 | ₹253.57 |
| Metric | Kotak Mahindra · Direct NAV ₹72.82 Low to Moderate risk ★★★★☆ | Franklin Templeton · Direct NAV ₹25.36 Low to Moderate risk ★★★★★ | Category median Banking and PSU Fund · 20 funds |
|---|---|---|---|
| +5.13% | +6.04%Best in row | +4.70% | |
| +7.24% | +7.47%Best in row | +7.01% | |
| +6.40% | +6.49% | +6.23% | |
| +7.30% | +7.21% | +7.08% | |
| +8.02% | +7.76% | +7.48% | |
| +6.84% | +7.13%Best in row | — | |
| +7.87%Best in row | +7.52% | +7.52% | |
| +7.79%Best in row | +7.50% | +7.45% | |
| +7.84%Best in row | +7.57% | +7.56% | |
| Risk | |||
| 1.17% | 1.00%Best in row | 1.07% | |
| 0.63 | 0.97Best in row | 0.46 | |
| 0.91 | 1.47Best in row | 0.66 | |
| -2.84% | -3.64% | -2.96% | |
| 0.40% | 0.23%Best in row | 0.35% | |
| ₹5,070Cr | ₹1.11Cr | ₹3,999Cr | |
| ₹100 | ₹500 | — | |
| ₹100 | ₹5.00K | — | |
| Deepak Agrawal · 18.2y | Sandeep Manam | — | |
| 14 Aug 2013 | 25 Apr 2014 | — | |
| 7.3% | 1.5% | — | |
10 rows carry the same value for every fund — show
- Benchmark
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- Alpha
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- Beta
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- Upside capture
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- Downside capture
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- Exit load
- None
- Lock-in
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- Portfolio turnover
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- Holdings
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- Top 10 weight
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Best marks the strongest value in a row, and only where the gap is bigger than noise — a near-tie is left unmarked rather than dressed up as a result. SIP XIRR is a ₹10,000/month instalment over 5 years of real NAV history. Nothing here is supplied by a fund house. For research only — not investment advice.
Frequently asked questions
Which fund has delivered higher returns — Kotak Banking and PSU Debt Fund or Franklin India Banking & PSU Debt Fund?
Over the last 3 years, Franklin India Banking & PSU Debt Fund returned +7.47% CAGR against Kotak Banking and PSU Debt Fund's +7.24%, computed from AMFI NAV history. Over 5 years: Kotak Banking and PSU Debt Fund +6.40% vs Franklin India Banking & PSU Debt Fund +6.49% CAGR. Past returns don't guarantee future performance.
Which fund is cheaper — Kotak Banking and PSU Debt Fund or Franklin India Banking & PSU Debt Fund?
Franklin India Banking & PSU Debt Fund has the lower expense ratio: Kotak Banking and PSU Debt Fund charges 0.40% a year against Franklin India Banking & PSU Debt Fund's 0.23%. The expense ratio is deducted from the NAV daily, so a lower one compounds in the investor's favour.
Which fund is riskier — Kotak Banking and PSU Debt Fund or Franklin India Banking & PSU Debt Fund?
Kotak Banking and PSU Debt Fund has shown higher volatility (+1.17% annualized vs Franklin India Banking & PSU Debt Fund's +1.00%), measured as the annualized standard deviation of daily returns over the trailing 3 years. Worst 3-year drawdown: Kotak Banking and PSU Debt Fund -0.63% vs Franklin India Banking & PSU Debt Fund -0.62%.
Which fund manages more money — Kotak Banking and PSU Debt Fund or Franklin India Banking & PSU Debt Fund?
Kotak Banking and PSU Debt Fund is the larger fund: Kotak Banking and PSU Debt Fund manages ₹5,070Cr against Franklin India Banking & PSU Debt Fund's ₹1.11Cr in assets. Size cuts both ways — scale lowers costs, but a very large fund can find it harder to move in and out of positions.
Are Kotak Banking and PSU Debt Fund and Franklin India Banking & PSU Debt Fund in the same category?
Yes — both are Banking and PSU Fund schemes, so their returns, risk and cost are directly comparable against the same peer set.
Figures update daily from AMFI NAV history; ratings and ranks are WealthTicker’s own — see the methodology. This is data, not investment advice.