Sharpe ratio
0.37Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.09%1Y Absolute Return
-0.26%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 Conservative Hybrid Fund-Direct Plan-GrowthFund 5Y annualised return | ₹8,47,723 | ₹7,32,612 | ₹1,15,111 | +6.06% |
| 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 age13.9 yrs
Fund information
Scheme code118491
ISININF194K015B9
BenchmarkCRISIL Hybrid 85+15 Conservative Index
CategoryHybrid Scheme - Conservative Hybrid Fund
Expense ratio0.98%
Exit loadExit Load for units in excess of 10% of the investment,0.25% will be charged for redemption within 7 days.
Minimum SIP₹100 SIP
Return comparison
4th / 104 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +45.92% | — | — |
| 3M | +4.50% | — | — |
| 6M | +9.82% | — | — |
| 1Y | +4.09% | — | -0.90% |
| 3Y | +7.75% | — | +3.51% |
| 5Y | +6.06% | — | +2.85% |
| 10Y | +7.00% | — | — |
| Since Launch | +8.08% | — | — |
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
4.84%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
0.71How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative 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%
Debt67.60%
Equity24.00%
Cash8.40%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 28 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Bandhan Nifty 50 ETF-G Nifty 50 ETF-Growth | Unspecified | Mutual Fund | 11.63% |
| GOVERNMENT OF INDIA 33071 GOI 19JU53 7.3 FV RS 100 | Entities | GOI Securities | 8.3% |
| Reverse Repo | Unspecified | Reverse Repo | 6.28% |
| STATE DEVELOPMENT LOAN 20610 RAJ 11JL28 8.57 FV RS 100 | Unspecified | State Development Loan | 5.36% |
| RURAL ELECTRIFICATION CORPORATION LIMITED 7.77 SR 220-A BD 31MR28 FVRS1LAC | Financial | Non Convertible Debenture | 5.24% |
| GODREJ INDUSTRIES LIMITED SR II 8.40 NCD 27AG27 FVRS1LAC | Diversified | Non Convertible Debenture | 5.22% |
| LIC HOUSING FINANCE LIMITED TR- 353 7.75 LOA 23NV27 FVRS10LAC | Financial | Non Convertible Debenture | 5.21% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25A 7.70 BD 30SP27 FVRS1LAC | Financial | Debenture | 5.21% |
| BAJAJ HOUSING FINANCE LIMITED 7.10 NCD 16OT28 FVRS1LAC | Financial | Debenture | 5.14% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR I 6.66 BD 25OT28 FVRS1LAC | Financial | Non Convertible Debenture | 5.13% |
Fund management
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
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)
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.
HA
Harshal Joshi
Since 2021 · 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
VI
Viraj Kulkarni
Since 2022 · Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) he was associated with Franklin Templeton Asset Management (India) Pvt. Ltd. (May 2014-Sept. 2015) and Goldman Sachs Services India (June 2010-May 2012).
Mr. Kulkarni is a B.Tech. (Electronics), CFA and also holds a PGDM (Finance).
Compare similar funds
No comparable category funds are available yet.
Summary
A moderately high-risk hybrid scheme - conservative hybrid fund. Ahead of its category average over 3Y by 4.2 points.
Strengths
- Ahead of its category average over 3Y by 4.2 points.
- Recovered from its worst fall in 4 months.
- Well spread out — top 10 holdings are only 12% of the portfolio.
- Same fund manager for 5+ years — the strategy has not chopped and changed.
- Ranks 4 of 104 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 2–3+ years horizon to ride out its moderately high risk level.
Risk drivers
- None