Sharpe ratio
0.46Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+6.72%1Y Absolute Return
+0.00%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 Dynamic Bond Fund-Direct Plan-GrowthFund 5Y annualised return | ₹8,50,654 | ₹7,32,612 | ₹1,18,042 | +6.20% |
| 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 code118416
ISININF194K01N63
BenchmarkNIFTY Composite Debt Index A-III
CategoryDebt Scheme - Dynamic Bond
Expense ratio0.81%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
3rd / 160 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.25% | — | — |
| 3M | -0.89% | — | — |
| 6M | +8.82% | — | — |
| 1Y | +6.72% | — | +1.66% |
| 3Y | +7.81% | — | +3.62% |
| 5Y | +6.20% | — | +3.39% |
| 10Y | +7.25% | — | — |
| Since Launch | +8.15% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.71Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
2.53%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
1.17How 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%
Debt96.92%
Cash3.08%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 12 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100 | Entities | GOI Securities | 61.78% |
| GOI Sec 7.36 12/09/2052 | Entities | GOI Securities | 8.94% |
| EXPORT IMPORT BANK OF INDIA SR AA 03 7.12 BD 27JU30 FVRS1LAC | Financial | Bonds | 8.74% |
| REC LIMITED SR 247 A 6.87 BD 31MY30 FVRS1LAC | Financial | Bonds | 6.18% |
| GOVERNMENT OF INDIA 33071 GOI 19JU53 7.3 FV RS 100 | Entities | GOI Securities | 4.88% |
| TATA CAPITAL HOUSING FINANCE LIMITED SR E 7.685 NCD 24JL28 FVRS1LAC | Financial | Debenture | 2.99% |
| Net Current Assets | Unspecified | Net Current Assets | 2.78% |
| BAJAJ HOUSING FINANCE LIMITED 7.10 NCD 16OT28 FVRS1LAC | Financial | Debenture | 2.72% |
| Others Class A2 AIF | Unspecified | Alternative Investment Fund | 0.45% |
| Reverse Repo | Unspecified | Reverse Repo | 0.3% |
Fund management
SU
Suyash Choudhary
Since 2012 · 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.
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.
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Summary
A moderate-risk debt scheme - dynamic bond 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 14+ years — the strategy has not chopped and changed.
- Ranks 3 of 160 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 76% — trouble in that sector hits the whole fund.