Sharpe ratio
0.21Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.41%1Y Absolute Return
-0.23%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 Equity Savings Fund-Direct Plan-GrowthFund 5Y annualised return | ₹8,64,225 | ₹7,32,612 | ₹1,31,613 | +6.84% |
| 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₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age12.9 yrs
Fund information
Scheme code118477
ISININF194K01Z02
BenchmarkCRISIL Equity Saving
CategoryHybrid Scheme - Equity Savings
Expense ratio0.67%
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
22nd / 131 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +26.77% | — | — |
| 3M | +3.22% | — | — |
| 6M | +7.01% | — | — |
| 1Y | +4.41% | — | +1.29% |
| 3Y | +7.47% | — | +5.55% |
| 5Y | +6.84% | — | +4.44% |
| 10Y | +7.28% | — | — |
| Since Launch | +7.45% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.28Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
2.82%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
0.43How 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%
Hedged Equity45.90%
Debt32.05%
Equity20.57%
Cash1.47%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 113 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Cash Margin | Unspecified | Cash Margin | 46.5526% |
| Bandhan Money Market Fund Direct-Growth | Unspecified | Mutual Fund | 7.034% |
| POWER FINANCE CORPORATION LIMITED SR 248B 7.45 NCD 15JL28 FVRS1LAC | Financial | Bonds | 6.2699% |
| HDFC Bank Ltd | Financial | Equity | 4.3835% |
| Axis Bank Ltd | Financial | Equity | 4.0897% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 3.6427% |
| Larsen & Toubro Ltd | Industrials | Equity | 3.2854% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 3.2404% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 3.1854% |
| Bharti Airtel Ltd | Technology | Equity | 2.9981% |
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 2016 · 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
KA
Kapil Kankonkar
Since 2025 · Prior to joining the Bandhan AMC, he was associated with Kotak Securities Ltd, JM Financial Services Ltd,
Bachelor of Engineering, Master of Management Studies.
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 low to moderate-risk hybrid scheme - equity savings fund. Ahead of its category average over 3Y by 1.9 points. Has fallen sharply before — down -17.3% at its worst.
Strengths
- Ahead of its category average over 3Y by 1.9 points.
- Recovered from its worst fall in 4 months.
- Same fund manager for 10+ years — the strategy has not chopped and changed.
- Ranks 22 of 131 in its category over 1 year.
Weaknesses
- Has fallen sharply before — down -17.3% at its worst.
Ideal investor
- Needs a 2–3+ years horizon to ride out its low to moderate risk level.
Risk drivers
- None