Sharpe ratio
0.78Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+5.24%1Y Absolute Return
-0.03%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 Banking and PSU Fund - Direct GrowthFund 5Y annualised return | ₹8,52,756 | ₹7,32,612 | ₹1,20,144 | +6.30% |
| 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₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age13.7 yrs
Fund information
Scheme code121279
ISININF194K015G8
BenchmarkNifty Banking & PSU Debt Index A-II
CategoryDebt Scheme - Banking and PSU Fund
Expense ratio0.36%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
10th / 143 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.52% | — | — |
| 3M | +2.09% | — | — |
| 6M | +6.82% | — | — |
| 1Y | +5.24% | — | +1.68% |
| 3Y | +7.04% | — | +3.16% |
| 5Y | +6.30% | — | +2.94% |
| 10Y | +7.16% | — | — |
| Since Launch | +7.61% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.53Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
1.21%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
2.31How 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%
Debt97.07%
Cash2.93%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 99 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 7.74% |
| HDFC BANK LIMITED SR US003 7.70 NCD 16MY28 FVRS1LAC | Financial | Debenture | 4.09% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 11JUN27 | Financial | Certificate of Deposit | 3.85% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 181 7.37 BD 31JL29 FVRS1LAC | Financial | Non Convertible Debenture | 3.36% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25E 7.53 BD 24MR28 FVRS1LAC | Financial | Bonds | 2.89% |
| Reverse Repo | Unspecified | Reverse Repo | 2.42% |
| AXIS BANK LIMITED CD 16DEC26 | Financial | Certificate of Deposit | 2.39% |
| CANARA BANK CD 29JAN27 | Financial | Certificate of Deposit | 2.37% |
| Axis Bank Limited (26/02/2027) ** | Financial | Certificate of Deposit | 2.36% |
| HDFC BANK LIMITED SR V004 8.55 NCD 27MR29 FVRS10LAC | Financial | Debenture | 2.36% |
Fund management
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.
GA
Gautam Kaul
Since 2021 · Prior to joining Bandhan Mutual Fund(formerly IDFC Mutual Fund), he has worked with Edelweiss AMC, Invesco Mutual Fund, Sahara India Asset Management Company Pvt. Ltd, IDBI AMC. and Mata Securities (India) Pvt. Ltd.
Mr. Kaul is a B.Com (H) and MBA (Finance).
SU
Suyash Choudhary
Since 2021 · Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) he has worked with HSBC Asset Management (India) Pvt. Ltd., Standard Chartered Asset Management Co. Pvt. Ltd. and Deutsche Bank.
Mr. Choudhary is a B.A (H) Economics from Delhi University and PGDM from IIM Calcutta.
Compare similar funds
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Summary
A moderate-risk debt scheme - banking and psu fund. Recovered from its worst fall in 0 months. Financial makes up 77% — trouble in that sector hits the whole fund.
Strengths
- Recovered from its worst fall in 0 months.
- Same fund manager for 5+ years — the strategy has not chopped and changed.
- Ranks 10 of 143 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Financial makes up 77% — trouble in that sector hits the whole fund.