Sharpe ratio
0.38Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+5.88%1Y Absolute Return
-0.39%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 Balanced Advantage Fund Direct Plan GrowthFund 5Y annualised return | ₹8,98,278 | ₹7,32,612 | ₹1,65,666 | +8.39% |
| 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₹1.10
₹1 Lakh since launch₹1.10 Lakh
Fund age12.1 yrs
Fund information
Scheme code131355
ISININF194KA1UH1
BenchmarkNIFTY 50 Hybrid Composite Debt 50:50 Index
CategoryHybrid Scheme - Dynamic Asset Allocation or Balanced Advantage
Expense ratio1.12%
Exit loadExit load of 0.50%, if redeemed within 90 days.
Minimum SIP₹100 SIP
Return comparison
8th / 145 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +75.51% | — | — |
| 3M | +8.86% | — | — |
| 6M | +14.61% | — | — |
| 1Y | +5.88% | — | +0.31% |
| 3Y | +10.92% | — | +7.18% |
| 5Y | +8.39% | — | +6.13% |
| 10Y | +10.46% | — | — |
| Since Launch | +9.65% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.52Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
8.51%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
0.37How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared to the drawdowns experienced.
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%
Equity55.09%
Debt33.13%
Hedged Equity11.36%
Cash0.42%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 168 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Cash Margin | Unspecified | Cash Margin | 11.3582% |
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 4.4226% |
| Axis Bank Limited (26/02/2027) ** | Financial | Certificate of Deposit | 4.2791% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 4.0621% |
| ICICI Bank Ltd | Financial | Equity | 3.9559% |
| HDFC Bank Ltd | Financial | Equity | 3.638% |
| Bajaj Finance Ltd | Financial | Equity | 3.4948% |
| Bharti Airtel Ltd | Technology | Equity | 3.263% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 2.7024% |
| HDFC BANK LIMITED CD 06NOV26 | Financial | Certificate of Deposit | 2.184% |
Fund management
RI
Ritika Behera
Since 2023 · Prior to Bandhan AMC Limited, she was associated with Ocean Dial Asset Management, Elara Securities Pvt Ltd. and Batlivala & Karani Securities Pvt Ltd.
Ms. Behera has done B.Com and MBA (Finance)
GA
Gaurav Satra
Since 2024 · Prior to joining Bandhan Mutual Fund, he has worked with various Consultancy Firms as a CA
Mr. Satra has done B.Com and CA
BR
Brijesh Shah
Since 2022 · 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.
VI
Vishal Biraia
Since 2024 · Prior to joining Bandhan Mutual Fund, he has worked with Max Life Insurance Company Ltd, Aviva India, Antique Stock Broking Ltd, Emkay Global Financial Services Ltd and Batlivala & Karani Securities India Pvt. Ltd.
Mr. Biraia has done B.E and CFA
MA
Manish Gunwani
Since 2024 · Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund), he has worked with Nippon India Mutual Fund, ICICI Prudential Mutual Fund as Fund Manager and as Analyst in various organisations: Vicisoft Technologies, Lehman Brothers, Brics Securities , Lucky Securities, SSKI Securities and Prime Securities.
Mr. Gunwani is a B.Tech. and PGDM.
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk hybrid scheme - dynamic asset allocation or balanced advantage fund. Ahead of its category average over 3Y by 3.7 points. Has fallen sharply before — down -25.9% at its worst.
Strengths
- Ahead of its category average over 3Y by 3.7 points.
- Recovered from its worst fall in 4 months.
- Well spread out — top 10 holdings are only 27% of the portfolio.
- Ranks 8 of 145 in its category over 1 year.
Weaknesses
- Has fallen sharply before — down -25.9% at its worst.
Ideal investor
- Needs a 4–5+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 8.5% volatility.
Risk drivers
- None