Franklin India Banking & PSU Debt Fund vs Kotak Banking and PSU Debt
Banking and PSU Fund · Direct Plan – Growth · Compared on official AMFI NAV data · NAVs as of 13-Jul-2026
| Metric | Franklin India Banking & PSU Debt Fund | Kotak Banking and PSU Debt |
|---|---|---|
| Latest NAV | ₹25.05 | ₹72.56 |
| 1-Year Return | +6.59% | +6.17% |
| 3-Year Return (CAGR) | +7.73% | +7.79% |
| 5-Year Return (CAGR) | N/A | N/A |
| Volatility (1Y, annualised) | 1.2% | 1.4% |
| Max Drawdown | −0.6% | −0.6% |
| Fund House | Franklin Templeton Mutual Fund | Kotak Mahindra Mutual Fund |
Growth of ₹10,000
If you had invested ₹10,000 in each fund
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Franklin India Banking & PSU Debt Fund vs Kotak Banking and PSU Debt: which is better?
Franklin India Banking & PSU Debt Fund and Kotak Banking and PSU Debt are both banking and psu fund mutual funds (direct plan, growth option). This comparison uses each fund's official AMFI NAV history — the same daily data the fund houses publish — to compare returns, volatility and drawdowns side by side.
On 3-year returns (annualised), Kotak Banking and PSU Debt leads with +7.79% against +7.73% — a gap of about 0.06 percentage points per year over that period.
Franklin India Banking & PSU Debt Fund has been the steadier fund over the past year, with annualised volatility of 1.2% versus 1.4%. Looking at worst falls, Franklin India Banking & PSU Debt Fund's deepest drawdown in the stored history is −0.6% against −0.6% for Kotak Banking and PSU Debt.
Which fund suits you depends on your horizon and appetite for swings: the higher-return fund is only the better pick if you can hold through its rougher months. Use the ₹10,000 growth chart above to see how each fund actually behaved through market cycles, and consider consulting a SEBI-registered adviser before investing. This comparison is informational, not investment advice.
Key takeaways
- Kotak Banking and PSU Debt has delivered higher 3-year returns (+7.79% vs +7.73%).
- Franklin India Banking & PSU Debt Fund has shown lower volatility over the trailing year.
- Franklin India Banking & PSU Debt Fund has had the shallower maximum drawdown (−0.6%).
Frequently Asked Questions
Which fund has given higher returns — Franklin India Banking & PSU Debt Fund or Kotak Banking and PSU Debt?
Over the past 3 year period, Kotak Banking and PSU Debt has delivered higher returns: +7.79% versus +7.73% annualised. Past performance does not guarantee future results.
Which fund is less risky — Franklin India Banking & PSU Debt Fund or Kotak Banking and PSU Debt?
Based on the trailing year, Franklin India Banking & PSU Debt Fund has shown lower day-to-day volatility (Franklin India Banking & PSU Debt Fund: 1.2%, Kotak Banking and PSU Debt: 1.4% annualised). Volatility and drawdowns describe past behaviour, not future safety — both funds carry the market risk of their category.
Can I invest in both Franklin India Banking & PSU Debt Fund and Kotak Banking and PSU Debt?
Yes — many investors split a SIP across two funds. If both funds are from the same category, remember they will hold overlapping stocks, so diversification benefits may be smaller than they appear. Check each scheme's portfolio before doubling up within one category.
More Banking and PSU Fund comparisons
Returns, volatility and drawdowns are computed from official AMFI NAV history for direct-growth plans and may differ slightly from fund-house factsheets due to date conventions. Mutual fund investments are subject to market risks. This comparison is for informational purposes only — not investment advice.