Sharpe ratio
0.66Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.09%1Y Absolute Return
-0.52%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 ELSS Tax Saver Fund - Direct Plan - GrowthFund 5Y annualised return | ₹9,60,621 | ₹7,32,612 | ₹2,28,009 | +11.04% |
| 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₹1.17
₹1 Lakh since launch₹1.17 Lakh
Fund age13.9 yrs
Fund information
Scheme code118473
ISININF194K01Y29
BenchmarkBSE 500 TRI
CategoryEquity Scheme - ELSS
Expense ratio0.94%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
41st / 192 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +148.10% | — | — |
| 3M | +9.82% | — | — |
| 6M | +15.07% | — | — |
| 1Y | +3.09% | — | -0.21% |
| 3Y | +11.77% | — | +9.69% |
| 5Y | +11.04% | — | +7.74% |
| 10Y | +15.96% | — | — |
| Since Launch | +16.52% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.91Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
13.03%How much the fund’s returns fluctuate over time.
Moderate volatility
Returns can move up and down noticeably.
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
0.39How 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%
Equity94.63%
Cash5.34%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 64 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| HDFC Bank Ltd | Financial | Equity | 8.08% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 6.37% |
| ICICI Bank Ltd | Financial | Equity | 5.37% |
| Reverse Repo | Unspecified | Reverse Repo | 5.32% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 5.11% |
| Tata Consultancy Services Ltd | Technology | Equity | 3.67% |
| Axis Bank Ltd | Financial | Equity | 3.55% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 2.76% |
| Infosys Ltd | Technology | Equity | 2.68% |
| Sterlite Technologies Ltd | Technology | Equity | 2.66% |
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
DA
Daylynn Gerard Paul Pinto
Since 2016 · Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) he was associated with UTI AMC (Jul 2006-Sep 2016) as fund manager.
Mr. Pinto is a B.Com (H) and PGDM.
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk equity scheme - elss fund. Ahead of its category average over 3Y by 2.1 points. Has fallen sharply before — down -42.6% at its worst.
Strengths
- Ahead of its category average over 3Y by 2.1 points.
- Same fund manager for 10+ years — the strategy has not chopped and changed.
- Ranks 41 of 192 in its category over 1 year.
Weaknesses
- Has fallen sharply before — down -42.6% at its worst.
Ideal investor
- Needs a 5+ years (3-year lock-in) horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 13.0% volatility.
Risk drivers
- None