Sharpe ratio
0.47Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+2.05%1Y Absolute Return
-0.65%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 Retirement Fund - Direct Plan - GrowthFund 3Y annualised return · 5Y history unavailable | ₹9,46,271 | ₹7,32,612 | ₹2,13,659 | +10.45% |
| 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₹1.11
₹1 Lakh since launch₹1.11 Lakh
Fund age3.1 yrs
Fund information
Scheme code152102
ISININF194KB1GU2
BenchmarkCRISIL Hybrid 50+50 Moderate Index
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio0.95%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
58th / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +125.14% | — | — |
| 3M | +4.40% | — | — |
| 6M | +11.98% | — | — |
| 1Y | +2.05% | — | +1.16% |
| 3Y | +10.45% | — | +8.74% |
| Since Launch | +10.52% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.67Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
9.31%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
1.08How 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%
Equity61.60%
Debt21.86%
Hedged Equity8.90%
Cash7.64%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 64 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 33071 GOI 19JU53 7.3 FV RS 100 | Entities | GOI Securities | 21.86% |
| Cash Margin | Unspecified | Cash Margin | 9.99% |
| Reverse Repo | Unspecified | Reverse Repo | 7.1% |
| Bharti Airtel Ltd | Technology | Equity | 5.54% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 5.12% |
| HDFC Bank Ltd | Financial | Equity | 4.58% |
| ICICI Bank Ltd | Financial | Equity | 4.51% |
| Larsen & Toubro Ltd | Industrials | Equity | 3.88% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 3.5% |
| Titan Company Ltd | Consumer Discretionary | Equity | 3.35% |
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
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.
GA
Gautam Kaul
Since 2023 · Prior to joining Bandhan Mutual Fund(formerly IDFC Mutual Fund), he has worked with Edelweiss AMC, Invesco Mutual Fund, Sahara India Asset Management Company Pvt. Ltd, IDBI AMC. and Mata Securities (India) Pvt. Ltd.
Mr. Kaul is a B.Com (H) and MBA (Finance).
VI
Vishal Biraia
Since 2024 · Prior to joining Bandhan Mutual Fund, he has worked with Max Life Insurance Company Ltd, Aviva India, Antique Stock Broking Ltd, Emkay Global Financial Services Ltd and Batlivala & Karani Securities India Pvt. Ltd.
Mr. Biraia has done B.E and CFA
VI
Viraj Kulkarni
Since 2024 · 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 very high-risk solution oriented scheme - retirement fund. Ahead of its category average over 3Y by 1.7 points. Ranks 58 of 106 in its category over 1 year.
Strengths
- Ahead of its category average over 3Y by 1.7 points.
- Losses and swings stayed contained — worst fall -9.8%, volatility 9.3%.
Weaknesses
- None
Ideal investor
- Needs a 3+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 9.3% volatility.
Risk drivers
- None