Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund is a mutual fund run by Kotak Mahindra Mutual Fund. On 30-09-2026, it managed ₹1,106 Cr of investors' money. In the year to 30-10-2026, its Direct plan returned 6.0% and its Regular plan returned 5.7%.
NAV (Direct plan)
₹10.67
▲ 0.02% · 30-10-2026
NAV (Regular plan)
₹10.64
▲ 0.02% · 30-10-2026
Expense ratio
0.13%Direct0.33%Regular
0.13%
A year
Riskometer
Low to Moderate
Set by the fund house
1 year return
6.0%Direct5.7%Regular
6.0%
Total
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹10.67 (up 0.02% that day); Regular Plan Growth ₹10.64 (up 0.02% that day).
This fund (Direct plan)
₹10.665
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund Returns
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
+0.21%
+1.27%
+3.13%
+5.95%
--
--
--
This fund (Regular)
+0.19%
+1.22%
+3.03%
+5.74%
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--
Category average
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Best in category
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Worst in category
--
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--
--
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Rank in category
--
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No category comparison is shown: this fund's category is too broad to compare, or has fewer than five funds. This fund's benchmark is CRISIL-IBX Financial Services 9 - 12 Months Debt Index. Returns of that index are not available to us.
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
2026to date
+4.93%
+4.75%
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 1-year holding period, plotted on the day it ended. There are 20 periods, one for each trading day from 29-09-2026 to 30-10-2026.
0%2%4%6%8%
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund (Direct)
Oct 2025 to Oct 2026Oct 2025 to Oct 2026Oct 2025 to Oct 2026Oct 2025 to Oct 2026Oct 2025 to Oct 2026Oct 2025 to Oct 2026
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund (Direct)
0%
Below 0%
0%
0-5%
100%
5-10%
0%
10-15%
0%
15-20%
0%
20-25%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
1 year
20
6.2%
5.9%
6.3%
0%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. Past returns do not promise future returns.
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund (Direct)This fund
Return (CAGR)
+5.95%
Standard deviation
0.62%
Sharpe ratio
1.13
Sortino ratio
1.69
Maximum drawdown
−0.23%
(22-05-2026)
From daily NAVs, 30-10-2025 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.
Measure
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund (Direct)This fund
Return (CAGR)
+6.01%
Standard deviation
0.60%
Sharpe ratio
1.22
Sortino ratio
1.84
Maximum drawdown
−0.23%
(22-05-2026)
From daily NAVs, 29-09-2025 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.
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.
−0.3%−0.2%−0.1%0%
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund (Direct)
2026
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund (Direct)
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund (Direct)
−0.23%
08-05-2026
22-05-2026
01-06-2026
10 days
−0.02%
From the Direct plan's daily NAV since 29-09-2025, adjusted for unit splits. "Time to climb back" runs from the bottom to the first day back at the old high.
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund Expense Ratio and Costs
What each plan charges a year, in force from 01-10-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Direct
0.10%
0.01%
0.00%
0.02%
0.13%
Regular
0.27%
0.01%
0.00%
0.05%
0.33%
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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
5.74%
5.95%
0.21%
₹1,05,740
₹1,05,950
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 29-09-2025 to 30-10-2026: 14 instalments, ₹1,40,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planKotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund (Direct)
₹1,40,000
₹1,45,105
₹5,105
6.0%
Regular planKotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund (Regular)
₹1,40,000
₹1,44,926
₹4,926
5.8%
₹0₹50,000₹1.0 L₹1.5 L
Direct planKotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund (Direct)
Regular planKotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund (Regular)
Amount invested
2026
Direct planKotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund (Direct)Regular planKotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund (Regular)Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
98.6%Debt
Asset
Fund
Debt
98.6%
Cash and others
1.4%
Credit rating
Bonds and money market papers by credit rating, % of the fund.
Rating
Fund
AAA and A1+
98.6%
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund Portfolio Holdings
As on 30-09-2026 · 20 holdings · from the fund house's monthly portfolio
Holdings
Rating
Weight%
REC LTD · Bond
ICRA AAA
11.30%
BAJAJ FINANCE LTD. · Commercial paper
CRISIL A1+
10.53%
LIC HOUSING FINANCE LTD. · Bond
CRISIL AAA
8.97%
L & T FINANCE LTD. · Commercial paper
CRISIL A1+
8.42%
TATA CAPITAL LTD. · Commercial paper
CRISIL A1+
8.42%
BAJAJ HOUSING FINANCE LTD. · Bond
CRISIL AAA
6.78%
National Housing Bank · Bond
CRISIL AAA
4.53%
TATA CAPITAL LTD. · Bond
ICRA AAA
4.53%
BANK OF BARODA · Certificate of deposit
FITCH A1+
4.43%
CANARA BANK · Certificate of deposit
CRISIL A1+
4.39%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA · Certificate of deposit
CARE A1+
4.24%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA · Certificate of deposit
CARE A1+
4.23%
HDFC BANK LTD. · Certificate of deposit
CARE A1+
2.63%
Power Finance Corporation Ltd. · Bond
CRISIL AAA
2.26%
TATA CAPITAL HOUSING FINANCE LTD. · Bond
CRISIL AAA
2.26%
TOYOTA FINANCIAL SERVICES INDIA LTD. · Bond
ICRA AAA
2.26%
Kotak Mahindra Prime Ltd.
CRISIL AAA
2.26%
CANARA BANK · Certificate of deposit
ICRA A1+
2.19%
Mahindra & Mahindra Financial Services Ltd. · Commercial paper
CRISIL A1+
2.19%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA · Certificate of deposit
CARE A1+
1.76%
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund Portfolio Overlap
Funds with the most similar portfolios, across every fund house and category
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
0.13%
Expense ratio (Regular)
0.33%
Category
Index
Risk
Low to Moderate
Launch date
24-09-2025
Minimum investment
₹100
Minimum additional investment
₹100
AUM
₹1,105.74 Cr (30-09-2026)
Lock in
None
Scheme code (Direct)
153875
ISIN (Direct)
INF174KA1XM9
Scheme code (Regular)
153877
ISIN (Regular)
INF174KA1XP2
NAV history
From 29-09-2025, 1.1 years
Benchmark
CRISIL-IBX Financial Services 9 - 12 Months Debt Index
Exit load
NIL
Tax on Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund returns
How the gain is taxed depends on what the fund holds. A fund with 65% or more in Indian stocks is taxed as an equity fund: 20% within 1 year, 12.5% after, on gains above ₹1.25 lakh a year.
A fund with 65% or more in debt is taxed at your slab rate. Any other fund: your slab rate within 2 years, 12.5% after.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Growth
₹10.665
30-10-2026
direct
IDCW
₹10.6651
30-10-2026
regular
Growth
₹10.6416
30-10-2026
regular
IDCW
₹10.6394
30-10-2026
About Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund is a mutual fund from Kotak Mahindra Mutual Fund. Its category is Index. It was launched on 24-09-2025. Its benchmark is CRISIL-IBX Financial Services 9 - 12 Months Debt Index. At the end of September 2026 it held 20 securities.
Fund Manager
Manu Sharma
Fund manager of Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund, since 24-09-2025
Frequently Asked Questions for Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund
What is the current NAV of Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund?
The Direct plan NAV is ₹10.665. The Regular plan NAV is ₹10.6416, as on 30-10-2026.
What are the returns of Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund?
The Direct plan returned +5.95% in 1 year. The Regular plan returned +5.74% in 1 year. These figures are as on 30-10-2026.
What is the expense ratio of Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund?
The Direct plan charges 0.13% a year. The Regular plan charges 0.33% a year. This is the figure the fund house reported to AMFI, in force from 01-10-2026.
What is the AUM of Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund?
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund managed ₹1,105.74 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund?
At the end of September 2026 the largest holdings were REC LTD (11.30%), BAJAJ FINANCE LTD. (10.53%), LIC HOUSING FINANCE LTD. (8.97%), L & T FINANCE LTD. (8.42%), TATA CAPITAL LTD. (8.42%). The fund held 20 securities in all.
How do I invest in Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund?
Through Kotak Mahindra Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹100. You can invest once or through a monthly SIP.
Who is the fund manager of Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund?
Manu Sharma (since 24-09-2025).
What is the exit load of Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund?
NIL
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
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.
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