Kotak Banking and PSU Debt Fund vs UTI Banking & PSU Debt Fund
Kotak Banking and PSU Debt Fund (Direct) and UTI 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 09 Oct 2026
Growth of ₹100 (rebased over the selected window)
Common period 06 Feb 2014 – 09 Oct 2026, limited by UTI 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 | UTI Banking & PSU Debt Fund |
|---|---|---|
| 06 Feb 2014 | ₹100.00 | ₹100.00 |
| 27 Feb 2015 | ₹109.91 | ₹109.88 |
| 18 Mar 2016 | ₹119.99 | ₹120.31 |
| 08 Apr 2017 | ₹132.11 | ₹133.73 |
| 29 Apr 2018 | ₹140.78 | ₹142.62 |
| 19 May 2019 | ₹153.72 | ₹141.42 |
| 08 Jun 2020 | ₹173.26 | ₹155.56 |
| 29 Jun 2021 | ₹186.23 | ₹163.70 |
| 19 Jul 2022 | ₹193.11 | ₹179.40 |
| 09 Aug 2023 | ₹207.99 | ₹192.29 |
| 29 Aug 2024 | ₹225.56 | ₹207.84 |
| 18 Sep 2025 | ₹244.98 | ₹226.09 |
| 09 Oct 2026 | ₹258.71 | ₹240.88 |
| Metric | Kotak Mahindra · Direct NAV ₹72.77 Low to Moderate risk ★★★★☆ | UTI · Direct NAV ₹24.12 Low to Moderate risk ★★★★★ | Category median Banking and PSU Fund · 20 funds |
|---|---|---|---|
| +4.82% | +5.98%Best in row | +4.51% | |
| +7.33% | +7.58%Best in row | +7.13% | |
| +6.41% | +7.78%Best in row | +6.22% | |
| +7.27%Best in row | +6.47% | +7.07% | |
| +8.01% | +7.18% | +7.47% | |
| +6.79% | +7.41%Best in row | — | |
| +7.86%Best in row | +6.87% | +7.52% | |
| +7.78%Best in row | +6.49% | +7.45% | |
| +7.84%Best in row | +6.92% | +7.55% | |
| Risk | |||
| 1.15% | 0.77%Best in row | 1.06% | |
| 0.72 | 1.41Best in row | 0.56 | |
| 1.07 | 2.27Best in row | 0.83 | |
| -2.84% | -6.74% | -2.96% | |
| 0.40% | 0.24%Best in row | 0.35% | |
| ₹4,928Cr | ₹1,449Cr | ₹2,902Cr | |
| ₹100 | ₹500 | — | |
| ₹100 | ₹20.00K | — | |
| Deepak Agrawal · 18.2y | Anurag Mittal | — | |
| 14 Aug 2013 | 06 Feb 2014 | — | |
| 8.7% | 2.5% | — | |
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 UTI Banking & PSU Debt Fund?
Over the last 3 years, UTI Banking & PSU Debt Fund returned +7.58% CAGR against Kotak Banking and PSU Debt Fund's +7.33%, computed from AMFI NAV history. Over 5 years: Kotak Banking and PSU Debt Fund +6.41% vs UTI Banking & PSU Debt Fund +7.78% CAGR. Past returns don't guarantee future performance.
Which fund is cheaper — Kotak Banking and PSU Debt Fund or UTI Banking & PSU Debt Fund?
UTI Banking & PSU Debt Fund has the lower expense ratio: Kotak Banking and PSU Debt Fund charges 0.40% a year against UTI Banking & PSU Debt Fund's 0.24%. 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 UTI Banking & PSU Debt Fund?
Kotak Banking and PSU Debt Fund has shown higher volatility (+1.15% annualized vs UTI Banking & PSU Debt Fund's +0.77%), 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 UTI Banking & PSU Debt Fund -0.41%.
Which fund manages more money — Kotak Banking and PSU Debt Fund or UTI Banking & PSU Debt Fund?
Kotak Banking and PSU Debt Fund is the larger fund: Kotak Banking and PSU Debt Fund manages ₹4,928Cr against UTI Banking & PSU Debt Fund's ₹1,449Cr 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 UTI 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.