Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund
- NAV as on 9 Nov 2026
- ₹10.67+0.07%1 day
- Return since launch
- 5.9%
- 52-week range
- ₹10.08 — ₹10.67
- AUM
- ₹1,651 Cr
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund is a Short Duration debt fund from Kotak Mahindra Mutual Fund with ₹1,651 Cr under management, launched in 2025. The expense ratio is 0.33% and the SEBI riskometer reading is Low to Moderate.
Performance
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +5.8% against +4.3% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 6.0% | +1.7 pts | 4.3% | 4.5% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 0.3% | −0.2 pts | 0.5% | 0.5% |
| 3M | 1.2% | +0.8 pts | 0.4% | 0.4% |
| 6M | 3.1% | +0.5 pts | 2.6% | 2.7% |
| 1Y | 5.8% | +1.5 pts | 4.3% | 4.3% |
Since launch (17 Sep 2025): 5.9%
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
0.33%
Expense ratio as on 3 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 0.27%
- Brokerage
- 0.01%
- Transaction charges
- 0.00%
- Statutory levies
- 0.05%
- Exit load
- 0%
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL-IBX Financial Services 9-12 Months Debt
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Your principal is treated as being at low to moderate risk — typically short duration debt schemes.
Portfolio
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund portfolio
Portfolio as of 30 Sep 2026
Asset allocation
- Debt93.6%
- Other6.4%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| REC Ltd. | Financial | 11.30% | ₹125 Cr | +14.54% | +9.04% | +10.23% |
| Bajaj Finance Ltd. | Financial | 10.53% | ₹116 Cr | — | — | — |
| LIC Housing Finance Ltd. | Financial | 8.97% | ₹99.18 Cr | +3.61% | +2.24% | +5.11% |
| L&T Finance Ltd. | Financial | 8.42% | ₹93.14 Cr | — | — | — |
| Tata Capital Ltd. | Financial | 8.42% | ₹93.11 Cr | +10.36% | +8.41% | — |
| Bajaj Housing Finance Ltd. | Financial | 6.78% | ₹74.99 Cr | +13.83% | +8.43% | — |
| Small Industries Devp. Bank of India Ltd. | Financial | 6.00% | ₹66.38 Cr | +13.86% | — | +20.40% |
| National Housing Bank | Financial | 4.53% | ₹50.05 Cr | — | — | — |
| Tata Capital Ltd.(Partly Paid Equity) | Financial | 4.53% | ₹50.09 Cr | +7.29% | — | — |
| Bank Of Baroda | Financial | 4.43% | ₹48.96 Cr | — | +2.18% | +4.78% |
| HDFC Bank Ltd. | Financial | 2.63% | ₹29.13 Cr | +2.18% | +6.31% | +10.22% |
| Kotak Mahindra Prime Ltd. | Financial | 2.26% | ₹24.98 Cr | +0.72% | +0.45% | +6.11% |
| Power Finance Corporation Ltd. | Financial | 2.26% | ₹24.95 Cr | +4.35% | +2.70% | +10.23% |
| Tata Capital Housing Finance Ltd. | Financial | 2.26% | ₹24.98 Cr | — | — | — |
| Toyota Financial Services Ltd. | Financial | 2.26% | ₹25.04 Cr | +3.64% | — | — |
| Canara Bank | Financial | 2.19% | ₹24.26 Cr | +3.46% | +8.44% | — |
| Mahindra & Mahindra Financial Services Ltd. - Right Entitlement | Financial | 2.19% | ₹24.25 Cr | +3.46% | — | — |
| Others | Others | 1.42% | ₹15.59 Cr | -83.54% | +2.04% | -8.54% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Bajaj Finance Ltd. | 0.00% | 10.53% | +10.53% |
| company:6233 | 9.49% | 0.00% | -9.49% |
| L&T Finance Ltd. | 0.00% | 8.42% | +8.42% |
| LIC Housing Finance Ltd. | 2.36% | 8.97% | +6.61% |
| Others | 1.39% | -3.64% | -5.03% |
| Bank Of Baroda | 9.22% | 4.43% | -4.79% |
| company:5434 | 4.60% | 0.00% | -4.60% |
| company:5500 | 4.58% | 0.00% | -4.58% |
| National Housing Bank | 0.00% | 4.53% | +4.53% |
| Small Industries Devp. Bank of India Ltd. | 4.58% | 1.76% | -2.82% |
| Bajaj Housing Finance Ltd. | 9.14% | 6.78% | -2.36% |
| Kotak Mahindra Prime Ltd. | 0.00% | 2.26% | +2.26% |
| Tata Capital Housing Finance Ltd. | 0.00% | 2.26% | +2.26% |
| HDFC Bank Ltd. | 4.59% | 2.63% | -1.96% |
| REC Ltd. | 9.49% | 11.30% | +1.81% |
| Tata Capital Ltd. | 6.85% | 8.42% | +1.57% |
| Power Finance Corporation Ltd. | 2.84% | 2.26% | -0.58% |
| company:5655 | 0.46% | 0.00% | -0.46% |
| Tata Capital Ltd.(Partly Paid Equity) | 4.75% | 4.53% | -0.22% |
| Toyota Financial Services Ltd. | 2.37% | 2.26% | -0.11% |
| Canara Bank | 2.29% | 2.19% | -0.10% |
| Mahindra & Mahindra Financial Services Ltd. - Right Entitlement | 2.28% | 2.19% | -0.09% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹8,670 Cr | 0.89% | 4.9% | 6.3% | 6.6% |
 ICICI Prudential Short Term Fund | ₹18,468 Cr | 1.03% | 4.7% | 6.3% | 6.7% |
 Bandhan Short Term Fund | ₹8,628 Cr | 0.86% | 5.3% | 6.4% | 6.6% |
 Axis Short Term Fund | ₹7,395 Cr | 0.95% | 5.0% | 6.5% | 6.7% |
 Sundaram Short Term Fund | ₹190 Cr | 0.73% | 4.7% | 6.0% | 6.3% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to generate returns that are commensurate (before fees and expenses) with the performance of CRISILIBX Financial Services 9 -12 Months Debt Index that seeks to track the performance of Commercial Papers (CPs), Certificates of Deposit (CDs) & corporate bond securities maturing within 9 to 12 months from the date of inclusion in the index.
Fund managers
- Manu SharmaMr. Sharma has done M.Com and CA.He has over 17 years of experience in fields of Fixed Income Fund Management, Operations, Finance Audit and Taxation.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months3.15% absolute | ₹60,000 | ₹61,890 | 3.15% | |
| 1 year5.84% annualised | ₹1,20,000 | ₹1,23,865 | 3.22% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.