Comparison of Two Mutual Fund: Scheme

Comparison of
two Mutual
Fund Scheme
HDFC Banking and PSU Debt Fund Direct Growth
Kotak Banking and PSU Debt Fund Direct Growth
COMPARISON OF TWO
MUTUAL FUND SCHEMES :
WHY ?
The purpose of comparing two Mutual

fund schemes :
● Evaluate key features
● Performance analysis
● Risk assessment
● Objective of funds
● Suitability of funds
● Investor education
FUNDS OVERVIEW
HDFC Banking and PSU Debt Kotak Banking and PSU Debt
Fund Direct Growth Fund Direct Growth
● Open-ended Debt Mutual Fund ● Open-ended Debt Mutual Fund
Scheme Scheme
● Scheme aims for income/capital ● To generate income through debt and
appreciation through debt and money money market securities.
market investments. ● Securities issued by Banks & PSUs,
● Predominantly invests in securities reverse repos in such securities.
issued by SCBs, PSUs, PFIs, Municipal ● Sovereign securities issued by Central
Corporations, and similar entities. and State Governments, guaranteed
● Focuses on fixed-income instruments securities by the Govt. of India.
for regular income.
● Seeks to provide a combination of
income and capital appreciation.
OPEN ENDED MUTUAL FUNDS
What are open ended mutual funds and its benefits ?
KEY BENEFITS
● Liquidity
● No fixed maturity
● Professional management
● Diversification
● Potential for regular income
● Capital appreciation
● Transparency
● Tax efficiency
HDFC Banking and PSU Kotak Banking and PSU
debt fund direct growth debt fund direct growth
HDFC MUTUAL FUND FUND HOUSE KOTAK MAHINDRA MUTUAL FUND
#2 in India RANK #5 in India
20 MAR 2014 DOI 01 JAN 2013
₹6,068 Crs AUM ₹5,951 Crs.
9 YRS 11 M AGE 11 YRS 2 M
₹21.5 NAV ₹61.2

(18-03-2024) (18-03-2024)
FUND MANAGERS
HDFC Banking and PSU Debt Fund
Direct Growth
Anil Bamboli (MAR 2014 - Present) Dhruv Muchhal (June 2023- Present)
Mr. Bamboli is a CFA from Association for Mr. Dhruv has done B.com, CA & CFA.
Investment Management and Research,
U.S.A, Masters in Management Studies Prior to joining HDFC MF, he has worked with
(Finance) and a Graduate in Cost and Motilal Oswal Financial Services Ltd., Goldman
Works Accountant from ICWAI. Prior to Sachs, CRISIL Global Research & Analytics and
joining HDFC AMC he has worked with SBI Deloitte Haskins & Sells
Fund Management for 11 years.
Collectively over 27 years of experience in

Fund Management and Research, Fixed
Income Dealing
FUND MANAGERS
KOTAK Banking and PSU Debt Fund Direct Growth
Mr. Deepak Agrawal Mr. Abhishek Bisen Ms. Palha Khanna

( JULY 2023 - Present)
(JAN 2013 - Present ) (NOV 2022 - Present)
Ms. Palha Khanna has experience

Mr. Agrawal is Post Graduate in His educational background is B.A spread over Debt and Credit
Commerce from Mumbai University, (Management) and MBA (Finance). Research, Analysis, Operations and
Chartered Accountant, Company Finance within the Fund
Secretary and CFA Mr. Abhishek has been associated Management Team at Kotak
with the company since October Mahindra Asset Management
Prior to joining HDFC MF, he has 2006. Prior to joining Kotak AMC, Company Limited (KMAMC). Prior to
worked with Motilal Oswal Financial Abhishek was working with joining KMAMC, Ms. Palha was
Services Ltd., Goldman Sachs, CRISIL Securities Trading Corporation Of associated with HDFC Asset
Global Research & Analytics and India Ltd. Management Company Limited,
Deloitte Haskins & Sells Also he has 2 years of Merchant where she was looking at Sales of
Banking experience. Equity and Fixed Income Products.
MINIMUM INVESTMENT REQUIRED
HDFC Banking and PSU Debt Fund KOTAK Banking and PSU Debt Fund
Direct Growth: Direct Growth:
Minimum Initial Investment: Rs. 100 Minimum Initial Investment: Rs. 100
Minimum Additional Investment: Rs. 100 Minimum Additional Investment: 100
Minimum SIP Investment: Rs. 100 Minimum SIP Investment: Rs. 100
ASSET ALLOCATION
RETURNS
RISK MEASURE
RETURN RATIOS FUND A FUND B
STANDARD DEVIATION 3.52 3.68
ALPHA 0.61 0.75
BETA 1.55 1.54
SHARPE 0.96 1.04

RISKOMETER
TOP HOLDINGS
KOTAK BANKING AND PSU DEBT

HDFC BANKING AND PSU
DEBT FUND FUND DIRECT GROWTH
GOI 16.63% GOI 17.83%
HDFC Bank Ltd. 8.1%

HDFC Bank Ltd. 10.92%
REC Ltd. 5.2%
SIDBI 7.13%
LIC Housing Finance Ltd.
3.73% NABARD 6.8%
PROS & CONS
PROS PROS
1. Exit load is zero 1. Exit load is zero
2. Lower expense ratio: 0.39% 2. Lower expense ratio: 0.37%
3. Average credit rating of the fund's 3. Average credit rating of the fund's
holdings: AAA This fund has holdings of the holdings: AAA This fund has holdings of
highest quality the highest quality
4. Consistently higher annualised returns 4. Consistently top ranked fund

than category average for the past 1Y, 3Y
and 5Y. 5. Consistently higher annualised returns
than category average for the past 1Y, 3Y,
5Y and 10Y
Thanks!
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Comparison of

The purpose of comparing two Mutual

HDFC MUTUAL FUND FUND HOUSE KOTAK MAHINDRA MUTUAL FUND

#2 in India RANK #5 in India

20 MAR 2014 DOI 01 JAN 2013

₹6,068 Crs AUM ₹5,951 Crs.

9 YRS 11 M AGE 11 YRS 2 M

₹21.5 NAV ₹61.2

Collectively over 27 years of experience in

Mr. Deepak Agrawal Mr. Abhishek Bisen Ms. Palha Khanna

Ms. Palha Khanna has experience

RETURN RATIOS FUND A FUND B

STANDARD DEVIATION 3.52 3.68

ALPHA 0.61 0.75

BETA 1.55 1.54

SHARPE 0.96 1.04

KOTAK BANKING AND PSU DEBT

GOI 16.63% GOI 17.83%

HDFC Bank Ltd. 8.1%

2. Lower expense ratio: 0.39% 2. Lower expense ratio: 0.37%

4. Consistently higher annualised returns 4. Consistently top ranked fund

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