Sharpe ratio
0.63Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.20%1Y Absolute Return
-0.37%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - GrowthFund 5Y annualised return | ₹8,41,485 | ₹7,32,612 | ₹1,08,873 | +5.76% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.09
₹1 Lakh since launch₹1.09 Lakh
Fund age13.9 yrs
Fund information
Scheme code118387
ISININF194K01P38
BenchmarkCRISIL 10-Year Gilt
CategoryDebt Scheme - Gilt Fund with 10 year constant duration
Expense ratio0.26%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
1st / 36 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +16.82% | — | — |
| 3M | -6.98% | — | — |
| 6M | +4.74% | — | — |
| 1Y | +3.20% | — | +0.30% |
| 3Y | +7.38% | — | +3.67% |
| 5Y | +5.76% | — | +2.59% |
| 10Y | +7.70% | — | — |
| Since Launch | +8.52% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.98Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
3.61%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
1.70How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt97.50%
Cash2.50%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
9 of 9 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| 7.54% GOVT OF INDIA RED 23-05-2036 | Entities | GOI Securities | 69.37% |
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 19.77% |
| STATE DEVELOPMENT LOAN 37028 KAR 04FB35 7.49 FV RS 100 | Unspecified | State Development Loan | 6.12% |
| GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 | Entities | GOI Securities | 1.73% |
| Net Current Assets | Unspecified | Net Current Assets | 1.33% |
| Reverse Repo | Unspecified | Reverse Repo | 1.17% |
| GOI Sec 7.18 14/08/2033 | Entities | GOI Securities | 0.35% |
| GOI Sec 8.24 15/02/2027 | Entities | GOI Securities | 0.15% |
| Others CBLO | Unspecified | CBLO | 0.01% |
Fund management
HA
Harshal Joshi
Since 2017 · Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) in 2008 he has worked with ICAP India Pvt. Ltd.
Mr. Joshi is PGDBM from N.L. Dalmia Institute of Management Studies and Research, Mumbai
BR
Brijesh Shah
Since 2024 · Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) he has worked with IDBI Mutual Fund, IndiaBulls Mutual Fund, Mata Securities & Twenty First Century.
Mr. Shah is a Post Graduate Diploma in Finance.
Compare similar funds
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Summary
A moderate-risk debt scheme - gilt fund with 10 year constant duration fund. Recovered from its worst fall in 5 months. Top 10 holdings make up 100% — a handful of stocks can swing returns sharply.
Strengths
- Recovered from its worst fall in 5 months.
- Same fund manager for 10+ years — the strategy has not chopped and changed.
- Ranks 1 of 36 in its category over 1 year.
Weaknesses
- Top 10 holdings make up 100% — a handful of stocks can swing returns sharply.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Top 10 holdings = 100% of the portfolio.
- Entities makes up 91% — trouble in that sector hits the whole fund.