Sharpe ratio
1.34Return earned for the risk taken.
Good
Good risk-adjusted returns. The fund has delivered strong returns for its level of risk.
+5.85%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 Low Duration 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 code118371
ISININF194K01J77
BenchmarkNIFTY Low Duration Debt Index A-I
CategoryDebt Scheme - Low Duration Fund
Expense ratio0.37%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
33rd / 226 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.41% | — | — |
| 3M | +4.63% | — | — |
| 6M | +6.61% | — | — |
| 1Y | +5.85% | — | +2.45% |
| 3Y | +7.06% | — | +3.20% |
| 5Y | +6.44% | — | +3.00% |
| 10Y | +6.67% | — | — |
| Since Launch | +7.39% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
3.12Return earned while limiting downside risk.
Excellent
Excellent downside risk-adjusted returns. The fund has managed downside risk very effectively.
Standard deviation
0.63%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
6.05How 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%
Debt94.47%
Cash5.53%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 76 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 37010 182 DAYS TBILL 30JL26 FV RS 100 | Financial | Treasury Bills | 6.32% |
| AXIS BANK LIMITED CD 07DEC26 | Financial | Certificate of Deposit | 4.87% |
| HDFC BANK LIMITED CD 22JAN27 | Financial | Certificate of Deposit | 4.83% |
| PUNJAB NATIONAL BANK CD 05FEB27 | Financial | Certificate of Deposit | 4.82% |
| POWER FINANCE CORPORATION LIMITED SR 248B 7.45 NCD 15JL28 FVRS1LAC | Financial | Bonds | 4.62% |
| Net Current Assets | Unspecified | Net Current Assets | 4.57% |
| ICICI SECURITIES LIMITED 337D CP 25SEP26 | Financial | Commercial Paper | 3.7% |
| BAJAJ HOUSING FINANCE LIMITED 7.10 NCD 16OT28 FVRS1LAC | Financial | Debenture | 3.66% |
| TATA CAPITAL HOUSING FINANCE LIMITED SR D 8.10 NCD 19FB27 FVRS1LAC | Financial | Debenture | 3.61% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR I 6.66 BD 25OT28 FVRS1LAC | Financial | Non Convertible Debenture | 3.47% |
Fund management
HA
Harshal Joshi
Since 2021 · 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
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.
Compare similar funds
No comparable category funds are available yet.
Summary
A low to moderate-risk debt scheme - low duration fund. Losses and swings stayed contained — worst fall -1.2%, volatility 0.6%. Financial makes up 92% — trouble in that sector hits the whole fund.
Strengths
- Losses and swings stayed contained — worst fall -1.2%, volatility 0.6%.
- Recovered from its worst fall in 0 months.
- Same fund manager for 5+ years — the strategy has not chopped and changed.
- Ranks 33 of 226 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its low to moderate risk level.
Risk drivers
- Financial makes up 92% — trouble in that sector hits the whole fund.