Sharpe ratio
-6.28Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
+6.52%1Y Absolute Return
+0.04%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 LIQUID Fund -Direct Plan-GrowthFund 5Y annualised return | ₹8,55,711 | ₹7,32,612 | ₹1,23,099 | +6.44% |
| 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 age13.9 yrs
Fund information
Scheme code118364
ISININF194K01I60
BenchmarkNIFTY Liquid Index A-I
CategoryDebt Scheme - Liquid Fund
Expense ratio0.07%
Exit loadExit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days.
Minimum SIP₹100 SIP
Return comparison
43rd / 360 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +6.69% | — | — |
| 3M | +6.21% | — | — |
| 6M | +6.58% | — | — |
| 1Y | +6.52% | — | -3.10% |
| 3Y | +6.89% | — | -0.91% |
| 5Y | +6.44% | — | -1.97% |
| 10Y | +6.04% | — | — |
| Since Launch | +6.77% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-21.91Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
0.19%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
29.77How 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
Portfolio111%
Debt111.38%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 85 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| HDFC BANK LIMITED CD 11SEP26 | Financial | Certificate of Deposit | 7.5633% |
| BANK OF BARODA CD 23JUL26 | Financial | Certificate of Deposit | 4.7291% |
| BAJAJ FINANCE LIMITED 91D CP 01SEP26 | Financial | Commercial Paper | 4.6932% |
| UNION BANK OF INDIA CD 24SEP26 | Financial | Certificate of Deposit | 3.8992% |
| PUNJAB NATIONAL BANK CD 15SEP26 | Financial | Certificate of Deposit | 3.5926% |
| GOVERNMENT OF INDIA 37448 091 DAYS TBILL 20AG26 FV RS 100 | Financial | Treasury Bills | 3.5191% |
| GOVERNMENT OF INDIA 37456 091 DAYS TBILL 28AG26 FV RS 100 | Financial | Treasury Bills | 3.1385% |
| RELIANCE RETAIL VENTURES LIMITED 91D CP 02SEP26 | Diversified | Commercial Paper | 3.13% |
| UNION BANK OF INDIA CD 04SEP26 | Financial | Certificate of Deposit | 3.1298% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA 91D CP 08SEP26 | Financial | Commercial Paper | 3.1265% |
Fund management
BR
Brijesh Shah
Since 2021 · 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 2015 · 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
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Summary
A low to moderate-risk debt scheme - liquid fund. Same fund manager for 11+ years — the strategy has not chopped and changed.
Strengths
- Same fund manager for 11+ years — the strategy has not chopped and changed.
- Ranks 43 of 360 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Suited for a few days to 3 months and emergency or idle cash.
Risk drivers
- None