Kotak Banking and PSU Debt vs Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund)
Banking and PSU Fund · Direct Plan – Growth · Compared on official AMFI NAV data · NAVs as of 13-Jul-2026
| Metric | Kotak Banking and PSU Debt | Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) |
|---|---|---|
| Latest NAV | ₹72.56 | ₹46.24 |
| 1-Year Return | +6.17% | +5.62% |
| 3-Year Return (CAGR) | +7.79% | +7.39% |
| 5-Year Return (CAGR) | N/A | N/A |
| Volatility (1Y, annualised) | 1.4% | 1.2% |
| Max Drawdown | −0.6% | −0.5% |
| Fund House | Kotak Mahindra Mutual Fund | Sundaram Mutual Fund |
Growth of ₹10,000
If you had invested ₹10,000 in each fund
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Kotak Banking and PSU Debt vs Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund): which is better?
Kotak Banking and PSU Debt and Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) 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 +7.39% — a gap of about 0.40 percentage points per year over that period.
Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and 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, Kotak Banking and PSU Debt's deepest drawdown in the stored history is −0.6% against −0.5% for Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund).
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 +7.39%).
- Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) has shown lower volatility over the trailing year.
- Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) has had the shallower maximum drawdown (−0.5%).
Frequently Asked Questions
Which fund has given higher returns — Kotak Banking and PSU Debt or Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund)?
Over the past 3 year period, Kotak Banking and PSU Debt has delivered higher returns: +7.79% versus +7.39% annualised. Past performance does not guarantee future results.
Which fund is less risky — Kotak Banking and PSU Debt or Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund)?
Based on the trailing year, Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) has shown lower day-to-day volatility (Kotak Banking and PSU Debt: 1.4%, Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund): 1.2% annualised). Volatility and drawdowns describe past behaviour, not future safety — both funds carry the market risk of their category.
Can I invest in both Kotak Banking and PSU Debt and Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund)?
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.