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 20 Aug 2026
Growth of ₹100 (rebased over the selected window)
Common period 25 Apr 2014 – 20 Aug 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 |
| 05 May 2015 | ₹109.37 | ₹111.10 |
| 14 May 2016 | ₹119.20 | ₹120.86 |
| 24 May 2017 | ₹131.00 | ₹131.81 |
| 03 Jun 2018 | ₹138.07 | ₹138.77 |
| 13 Jun 2019 | ₹153.00 | ₹155.21 |
| 22 Jun 2020 | ₹171.08 | ₹172.94 |
| 02 Jul 2021 | ₹182.28 | ₹182.61 |
| 12 Jul 2022 | ₹188.85 | ₹188.56 |
| 22 Jul 2023 | ₹203.09 | ₹201.74 |
| 31 Jul 2024 | ₹219.19 | ₹217.22 |
| 10 Aug 2025 | ₹239.38 | ₹236.78 |
| 20 Aug 2026 | ₹253.26 | ₹252.19 |
| Metric | Kotak Mahindra · Direct NAV ₹72.77 Low to Moderate risk ★★★★★ | Franklin Templeton · Direct NAV ₹25.22 Low to Moderate risk ★★★★★ | Category median Banking and PSU Fund · 20 funds |
|---|---|---|---|
| +5.93% | +6.58%Best in row | +5.50% | |
| +7.53% | +7.61% | +7.29% | |
| +6.61%Best in row | +6.45% | +6.30% | |
| +7.49%Best in row | +7.32% | +7.24% | |
| +8.10%Best in row | +7.80% | +7.54% | |
| +7.13% | +7.23%Best in row | — | |
| +7.88%Best in row | +7.52% | +7.52% | |
| +7.81%Best in row | +7.51% | +7.48% | |
| +7.86%Best in row | +7.59% | +7.58% | |
| Risk | |||
| 1.16% | 0.99%Best in row | 1.05% | |
| 0.89 | 1.12Best in row | 0.74 | |
| 1.31 | 1.70Best in row | 1.10 | |
| -2.84%Best in row | -3.64% | -2.96% | |
| 0.40% | 0.23%Best in row | 0.35% | |
| ₹5,070Cr | ₹1.11Cr | ₹2,803Cr | |
| ₹100 | ₹500 | — | |
| ₹100 | ₹5.00K | — | |
| Abhishek Bisen | Sandeep Manam · 4.8y | — | |
| 14 Aug 2013 | 25 Apr 2014 | — | |
| 3.5% | 17.3% | — | |
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
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- 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 +7.61% CAGR against Kotak Banking and PSU Debt Fund's +7.53%, computed from AMFI NAV history. Over 5 years: Kotak Banking and PSU Debt Fund +6.61% vs Franklin India Banking & PSU Debt Fund +6.45% 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 (+1.16% annualized vs Franklin India Banking & PSU Debt Fund's +0.99%), 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.