HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund vs Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund
Direct Plan, Growth option · Data as on 30-10-2026
HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund is an Index fund and Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund is an Index fund. HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund charges 0.14% a year and Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund 0.13% (Direct plans). Their portfolios overlap 19.9%: they hold 5 of the same securities.
HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund
Index
- Expense ratio
- 0.14%
- NAV
- ₹10.41
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund
Index
- Expense ratio
- 0.13%
- NAV
- ₹10.67
Which is better, HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index or Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index costs less: 0.13% a year against 0.14% (Direct plans).
- Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index fell less in its worst fall since 24-03-2026: −0.2% against −0.2%.
- Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index is the larger fund: ₹1,106 Cr against ₹1,073 Cr.
- Their portfolios overlap 19.9%: 5 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund | Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund |
|---|---|---|
| Fund house | HDFC Mutual Fund | Kotak Mahindra Mutual Fund |
| Category | Index | Index |
| AUM | ₹1,073 Cr (30-09-2026) | ₹1,106 Cr (30-09-2026) |
| NAV | ₹10.41 (Direct) | ₹10.67 (Direct) |
| Expense ratio (Direct) | 0.14% | 0.13% |
| Expense ratio (Regular) | 0.32% | 0.33% |
| Riskometer | Low to Moderate | Low to Moderate |
| Benchmark | CRISIL-IBX Financial Services 9 to 12 Months Debt Index | CRISIL-IBX Financial Services 9 - 12 Months Debt Index |
| Launch date | 24-03-2026 | 24-09-2025 |
| Minimum investment | ₹100 | ₹100 |
| Lock in | None | None |
| Fund managers | Anupam Joshi, Praveen Jain | Manu Sharma |
| Exit load | NIL | NIL |
HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index vs Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund (Direct) | +0.21% | +1.33% | +3.18% | -- | -- | -- | -- |
| Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund (Direct) | +0.21% | +1.27% | +3.13% | +5.95% | -- | -- | -- |
HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index vs Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index: Year-wise Returns
| Year | HDFC CRISIL-IBX Financial Services 9-12HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index | Kotak CRISIL-IBX Financial Services 9 to 12Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index |
|---|---|---|
| 2026to date | -- | +4.93% |
HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index vs Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index: Rolling Returns
Every holding period of both funds
HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index vs Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund (Direct) | Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.90% | +6.01% |
| Standard deviation | 0.72% | 0.60% |
| Sharpe ratio | 2.25 | 1.22 |
| Sortino ratio | 3.61 | 1.84 |
| Maximum drawdown | −0.2% (22-05-2026) | −0.2% (22-05-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 24-03-2026 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund (Direct)
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund (Direct) | −0.2% | 08-05-2026 | 22-05-2026 | 01-06-2026 | 10 days | −0.0% |
| Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund (Direct) | −0.2% | 08-05-2026 | 22-05-2026 | 01-06-2026 | 10 days | −0.0% |
From daily values since 24-03-2026, the first day every fund has.
HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index vs Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index: Portfolio Overlap
From each fund's latest monthly portfolio: HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund, September 2026; Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund, September 2026
Holdings in common
- Overlap
- 19.9%
- Held by both
- 5
- Only in HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index
- 28
- Only in Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index
- 15
| Security | % of HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index | % of Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index |
|---|---|---|
| Tata Capital Ltd. | 4.67% | 4.53% |
| National Housing Bank | 4.66% | 4.53% |
| Tata Capital Ltd. | 4.34% | 8.42% |
| L&T Finance Ltd. | 4.34% | 8.42% |
| Canara Bank | 2.26% | 2.19% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 19.9% means 19.9% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund
| Security | % of fund |
|---|---|
| Panatone Finvest Ltd. | 6.84% |
| Small Industries Development Bank | 6.83% |
| Mahindra & Mahindra Financial Services Ltd. | 4.67% |
| Power Finance Corporation Ltd. | 4.67% |
| Kotak Mahindra Prime Ltd. | 4.66% |
Largest holdings only in Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund
| Security | % of fund |
|---|---|
| REC LTD | 11.30% |
| BAJAJ FINANCE LTD. | 10.53% |
| LIC HOUSING FINANCE LTD. | 8.97% |
| BAJAJ HOUSING FINANCE LTD. | 6.78% |
| BANK OF BARODA | 4.43% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index | Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 97.2% | 98.6% |
| Cash and others | 2.8% | 1.4% |
HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index vs Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund | Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.14% | 0.13% |
| Base expense ratio (Direct) | 0.10% | 0.10% |
| Total expense ratio (Regular) | 0.32% | 0.33% |
| Base expense ratio (Regular) | 0.25% | 0.27% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund vs Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund: Frequently Asked Questions
What is the difference between HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund and Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund?
HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund is an Index fund, Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund is an Index fund, run by HDFC Mutual Fund and Kotak Mahindra Mutual Fund. Their portfolios overlap 19.9%. HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund charges 0.14% a year and Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund 0.13%.
Which has the lower expense ratio, HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund or Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund?
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund charges less: 0.13% a year against 0.14%. These are the Direct plans' total expense ratios reported to AMFI.
How much do HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund and Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund overlap?
19.9%. They hold 5 of the same securities, the largest shared ones being Tata Capital Ltd., National Housing Bank, Tata Capital Ltd.. From each fund's latest monthly portfolio.
Which is riskier, HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund or Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund?
On SEBI's riskometer, HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund is rated Low to Moderate and Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund Low to Moderate. Over their common history, the standard deviation of daily returns was 0.72% and 0.60% a year.
Can I invest in both HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund and Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund?
Yes. 19.9% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund and Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund?
HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund: Anupam Joshi, Praveen Jain. Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund: Manu Sharma.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.