Bandhan Equity Savings Fund is an Equity Savings fund run by Bandhan Mutual Fund. On 31-08-2026, it managed ₹409 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 7.2% a year and its Regular plan returned 6.2% a year.
NAV (Direct plan)
₹36.41
▲ 0.25% · 30-10-2026
NAV (Regular plan)
₹32.42
▲ 0.25% · 30-10-2026
Expense ratio
0.63%Direct1.54%Regular
0.63%
A year
Riskometer
Low to Moderate
Set by the fund house
3 year return
7.2%Direct6.2%Regular
7.2%
A year
Bandhan Equity Savings Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹36.41 (up 0.25% that day); Regular Plan Growth ₹32.42 (up 0.25% that day).
This fund (Direct plan)
₹36.409
Bandhan Equity Savings Fund Returns vs Equity Savings Funds
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
+0.76%
−0.35%
+2.38%
+3.37%
+7.17%
+6.70%
+7.17%
This fund (Regular)
+0.68%
−0.58%
+1.92%
+2.43%
+6.18%
+5.67%
+6.12%
Equity Savings average
−0.02%
−0.68%
+1.71%
+2.12%
+8.55%
+7.55%
+8.43%
Best in Equity Savings
+0.76%
+0.84%
+5.12%
+6.16%
+12.81%
+9.34%
+9.65%
Worst in Equity Savings
−1.35%
−2.08%
−0.15%
−1.58%
+6.34%
+5.74%
+7.17%
Rank in Equity Savings
1/23
6/23
7/23
6/23
17/20
14/17
9/9
Category rows compare the Direct plans of 23 Equity Savings funds. Rank 1 is the highest return. This fund's benchmark is CRISIL Equity Savings Index. Returns of that index are not available to us, so the category average is the comparison.
Bandhan Equity Savings Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
2026to date
+2.22%
+1.46%
2025
+7.33%
+6.35%
2024
+8.64%
+7.60%
2023
+10.73%
+9.64%
2022
+3.55%
+2.49%
2021
+11.32%
+10.15%
Bandhan Equity Savings Fund Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 2,430 periods, one for each trading day from 02-01-2017 to 30-10-2026.
−5%0%5%10%15%
Bandhan Equity Savings Fund (Direct)
Category average, 23 Equity Savings funds
Oct 2014 to Oct 2017Jun 2016 to Jun 2019Feb 2018 to Feb 2021Oct 2019 to Oct 2022Jun 2021 to Jun 2024Jan 2023 to Jan 2026
Bandhan Equity Savings Fund (Direct)Category average, 23 Equity Savings funds
0%
0%
Below 0%
6%
3%
0-5%
91%
53%
5-10%
4%
43%
10-15%
0%
0%
15-20%
0%
0%
20-25%
0%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
2,922
7.2%
−11.6%
34.2%
2%
8.7%
22%
2 years
2,676
7.2%
−3.8%
20.6%
1%
9.8%
3%
3 years
2,430
7.7%
−0.6%
14.7%
0%
9.8%
0%
5 years
1,938
7.4%
2.4%
12.9%
0%
9.6%
0%
7 years
1,444
7.6%
6.7%
8.7%
0%
9.6%
0%
10 years
706
7.6%
7.1%
7.8%
0%
9.6%
0%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
142
7.0%
−17.8%
22.7%
4%
9.0%
25%
2 years
130
7.2%
−7.4%
15.6%
2%
9.1%
8%
3 years
118
7.6%
−3.5%
12.4%
1%
9.9%
5%
5 years
94
8.2%
0.3%
10.0%
0%
10.0%
0%
7 years
70
8.1%
7.1%
9.2%
0%
9.9%
0%
10 years
34
8.1%
7.3%
8.4%
0%
9.9%
0%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat category" counts the periods in which the fund did better than the average of the 23 Equity Savings funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.
Bandhan Equity Savings Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
Bandhan Equity Savings Fund (Direct)This fund
Category average
Return (CAGR)
+3.37%
+2.12%
Standard deviation
2.73%
4.23%
Sharpe ratio
-0.69
-0.74
Sortino ratio
-0.91
-0.98
Maximum drawdown
−2.2%
(30-03-2026)
−3.8%
(30-03-2026)
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bandhan Equity Savings Fund (Direct)This fund
Category average
Return (CAGR)
+7.17%
+8.75%
Standard deviation
2.34%
4.16%
Sharpe ratio
0.49
0.65
Sortino ratio
0.68
0.89
Maximum drawdown
−2.2%
(30-03-2026)
−3.8%
(28-02-2025)
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bandhan Equity Savings Fund (Direct)This fund
Category average
Return (CAGR)
+6.70%
+7.88%
Standard deviation
2.57%
4.34%
Sharpe ratio
0.35
0.48
Sortino ratio
0.48
0.65
Maximum drawdown
−3.3%
(17-06-2022)
−5.4%
(20-06-2022)
From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bandhan Equity Savings Fund (Direct)This fund
Category average
Return (CAGR)
+7.17%
+8.85%
Standard deviation
5.11%
5.49%
Sharpe ratio
0.35
0.63
Sortino ratio
0.46
0.84
Maximum drawdown
−17.3%
(23-03-2020)
−16.0%
(23-03-2020)
From daily NAVs, 28-10-2016 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bandhan Equity Savings Fund (Direct)This fund
Category average
Return (CAGR)
+7.36%
+8.86%
Standard deviation
4.54%
5.30%
Sharpe ratio
0.33
0.60
Sortino ratio
0.43
0.81
Maximum drawdown
−17.3%
(23-03-2020)
−16.0%
(23-03-2020)
From daily NAVs, 01-01-2014 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
−20%−15%−10%−5%0%
Bandhan Equity Savings Fund (Direct)
Category average, 23 Equity Savings funds
201520172019202120232025
Bandhan Equity Savings Fund (Direct)Category average, 23 Equity Savings funds
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
Bandhan Equity Savings Fund (Direct)
−17.3%
24-01-2020
23-03-2020
04-08-2020
4 months
−1.0%
Category average
−16.0%
12-02-2020
23-03-2020
18-08-2020
5 months
−1.6%
From the Direct plan's daily NAV since 01-01-2014, adjusted for unit splits, and the average of the 23 Equity Savings funds (Direct plans, each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
Bandhan Equity Savings Fund vs Other Equity Savings Funds
The five Equity Savings funds with the best three year return, and this fund. Direct plans.
AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.
Bandhan Equity Savings Fund Expense Ratio and Costs
What each plan charges a year, in force from 01-10-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Equity Savings median
Cost rank (1 = cheapest)
Direct
0.15%
0.08%
0.02%
0.38%
0.63%
1.28%
1/23
Regular
0.93%
0.08%
0.02%
0.51%
1.54%
2.20%
1/23
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Equity Savings funds' plans of the same type are sorted from the lowest total expense ratio to the highest.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
2.43%
3.37%
0.94%
₹1,02,430
₹1,03,370
3 years
6.18%
7.17%
0.99% a year
₹1,19,709
₹1,23,089
5 years
5.67%
6.70%
1.03% a year
₹1,31,752
₹1,38,300
10 years
6.12%
7.17%
1.05% a year
₹1,81,123
₹1,99,863
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
Bandhan Equity Savings Fund SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 01-12-2014 to 30-10-2026: 143 instalments, ₹14,30,000 in all.
Direct planBandhan Equity Savings Fund (Direct)Regular planBandhan Equity Savings Fund (Regular)Category averageCategory average, 23 Equity Savings fundsAmount invested
From each plan's published NAV (Growth option) and the category average, over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Bandhan Equity Savings Fund Asset Allocation
Asset allocation as on 31-08-2026
What the fund holds
65.9%Equity
Asset
Fund
Category
Equity
65.9%
67.5%
Debt
24.9%
18.7%
Cash and others
9.2%
14.1%
Market cap of stocks
Market cap
Fund
Category
Large Cap
62.4%
52.2%
Mid Cap
3.5%
9.5%
Small Cap
0.0%
5.3%
Share of the whole fund. Category: the average of the Equity Savings funds that hold stocks. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Credit rating
Bonds and money market papers by credit rating, % of the fund. Category: the average of 23 Equity Savings funds.
Rating
Fund
Category
Sovereign
8.4%
7.7%
AAA and A1+
16.5%
7.2%
Bandhan Equity Savings Fund Sector Allocation
Sector allocation of the fund's stocks as on 31-08-2026
Largest sectors
Banks20.1%
Pharmaceuticals & Biotechnology5.3%
Automobiles3.6%
Petroleum Products3.2%
Cement & Cement Products3.1%
Construction3.0%
Chemicals & Petrochemicals2.9%
Telecom - Services2.9%
Diversified FMCG2.8%
IT - Software2.7%
The ten largest of 23 sectors. The other 13 add up to 16.3%.
Bandhan Equity Savings Fund Portfolio Holdings
As on 31-08-2026 · 67 holdings · from the fund house's monthly portfolio
Holdings
Sector / Rating
Weight%
Holdings trend
1M change
Bandhan Money Market Fund -Direct Plan-Growth
6.97%
7.48% National Bank For Agriculture and Rural Development · Bond
CRISIL AAA
4.38%
Axis Bank Limited
Banks
3.87%
Kotak Mahindra Bank Limited
Banks
3.76%
HDFC Bank Limited
Banks
3.66%
Reliance Industries Limited
Petroleum Products
3.22%
Larsen & Toubro Limited
Construction
2.95%
Canara Bank
Banks
2.93%
Pidilite Industries Limited
Chemicals & Petrochemicals
2.91%
Bharti Airtel Limited
Telecom - Services
2.90%
8.1% Bajaj Housing Finance Limited · Bond
CRISIL AAA
2.45%
6.54% GOI (MD 17/01/2032) · Government security
SOVEREIGN
2.43%
7.1% Bajaj Housing Finance Limited · Bond
CRISIL AAA
2.41%
ICICI Bank Limited
Banks
2.34%
State Bank of India
Banks
2.30%
ITC Limited
Diversified FMCG
2.15%
Sun Pharmaceutical Industries Limited
Pharmaceuticals & Biotechnology
1.91%
Grasim Industries Limited
Cement & Cement Products
1.91%
Bajaj Finserv Limited
Finance
1.89%
Nestle India Limited
Food Products
1.89%
Maruti Suzuki India Limited
Automobiles
1.82%
Aurobindo Pharma Limited
Pharmaceuticals & Biotechnology
1.34%
Titan Company Limited
Consumer Durables
1.29%
8.43% Uttar Pradesh SDL (MD 06/03/2029) · State government security
SOVEREIGN
1.26%
8.3% Gujarat SDL (MD 13/03/2029) · State government security
SOVEREIGN
1.26%
8.28% Gujarat SDL (MD 13/02/2029) · State government security
SOVEREIGN
1.26%
7.18% GOI (MD 24/07/2037) · Government security
SOVEREIGN
1.24%
7.7% REC Limited · Bond
CRISIL AAA
1.23%
Punjab National Bank
Banks
1.23%
7.45% Power Finance Corporation Limited · Bond
CRISIL AAA
1.22%
7.85% Bajaj Finance Limited · Bond
CRISIL AAA
1.22%
7.37% National Bank For Financing Infrastructure And Development · Bond
CRISIL AAA
1.21%
7.34% REC Limited · Bond
CRISIL AAA
1.21%
7.02% Bajaj Housing Finance Limited · Bond
CRISIL AAA
1.21%
CG Power and Industrial Solutions Limited
Electrical Equipment
1.20%
SBI Life Insurance Company Limited
Insurance
1.07%
Tata Steel Limited
Ferrous Metals
1.06%
Tata Power Company Limited
Power
0.97%
TVS Motor Company Limited
Automobiles
0.95%
Asian Paints Limited
Consumer Durables
0.82%
Bajaj Auto Limited
Automobiles
0.80%
Hindalco Industries Limited
Non - Ferrous Metals
0.80%
Apollo Hospitals Enterprise Limited
Healthcare Services
0.77%
Tata Consultancy Services Limited
IT - Software
0.76%
Britannia Industries Limited
Food Products
0.71%
NTPC Limited
Power
0.71%
UltraTech Cement Limited
Cement & Cement Products
0.70%
HCL Technologies Limited
IT - Software
0.68%
Hindustan Unilever Limited
Diversified FMCG
0.67%
JSW Steel Limited
Ferrous Metals
0.67%
Cipla Limited
Pharmaceuticals & Biotechnology
0.67%
Bajaj Finance Limited
Finance
0.66%
7.04% Tamilnadu SDL (MD 19/03/2030) · State government security
SOVEREIGN
0.66%
Wipro Limited
IT - Software
0.65%
Torrent Pharmaceuticals Limited
Pharmaceuticals & Biotechnology
0.64%
Infosys Limited
IT - Software
0.61%
Dabur India Limited
Personal Products
0.55%
Dr. Reddy's Laboratories Limited
Pharmaceuticals & Biotechnology
0.54%
Shree Cement Limited
Cement & Cement Products
0.54%
Bharat Electronics Limited
Aerospace & Defense
0.48%
Adani Ports and Special Economic Zone Limited
Transport Infrastructure
0.44%
8.26% Maharashtra SDL (MD 02/01/2029) · State government security
SOVEREIGN
0.25%
Glenmark Pharmaceuticals Limited
Pharmaceuticals & Biotechnology
0.23%
Aditya Birla Capital Limited
Finance
0.12%
Container Corporation of India Limited
Transport Services
0.09%
ICICI Prudential Life Insurance Company Limited
Insurance
0.06%
Kwality Walls (India) Limited
Food Products
0.00%
Bandhan Equity Savings Fund Stocks Bought and Sold
August 2026 is the first month we hold for this fund, so there is no earlier month to compare it with.
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
Bandhan Equity Savings Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
0.63%
Expense ratio (Regular)
1.54%
Category
Equity Savings
Risk
Low to Moderate
Benchmark
CRISIL Equity Savings Index
Launch date
09-06-2008
Minimum investment
₹1,000
Minimum additional investment
₹1,000
AUM
₹409.39 Cr (31-08-2026)
Lock in
None
Scheme code (Direct)
118477
ISIN (Direct)
INF194K01Z02
Scheme code (Regular)
108995
ISIN (Regular)
INF194K01581
NAV history
From 01-01-2014, 12.8 years
Exit load
Exit Load for units in excess of 10% of the investment,0.25% will be charged for redemption within 7 days.
Tax on Bandhan Equity Savings Fund returns
Bandhan Equity Savings Fund is taxed as an equity fund: 65% or more of it is in Indian stocks, counting its hedged positions.
Units sold within 1 year: the gain is taxed at 20%.
Units held longer: gains above ₹1.25 lakh in a financial year, across all your equity funds and shares, are taxed at 12.5%.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Growth
₹36.409
30-10-2026
direct
Quarterly IDCW
₹13.154
30-10-2026
direct
Annual IDCW
₹14.024
30-10-2026
direct
Monthly IDCW
₹11.367
30-10-2026
regular
Growth
₹32.418
30-10-2026
regular
Monthly IDCW
₹10.697
30-10-2026
regular
Annual IDCW
₹12.566
30-10-2026
regular
Quarterly IDCW
₹12.519
30-10-2026
About Bandhan Equity Savings Fund
Bandhan Equity Savings Fund is a mutual fund from Bandhan Mutual Fund. Its category is Equity Savings. It was launched on 09-06-2008. Its benchmark is CRISIL Equity Savings Index. At the end of August 2026 it held 67 securities.
Fund Manager
Kapil Kankonkar
Fund manager of Bandhan Equity Savings Fund, since 16-06-2025
Viraj Kulkarni
Fund manager of Bandhan Equity Savings Fund, since 01-07-2022
Harshal Joshi
Fund manager of Bandhan Equity Savings Fund, since 20-10-2016
Ritika Behera
Fund manager of Bandhan Equity Savings Fund, since 16-06-2025
Gaurav Satra
Fund manager of Bandhan Equity Savings Fund, since 16-06-2025
Brijesh Shah
Fund manager of Bandhan Equity Savings Fund, since 16-06-2025
Frequently Asked Questions for Bandhan Equity Savings Fund
What is the current NAV of Bandhan Equity Savings Fund?
The Direct plan NAV is ₹36.409. The Regular plan NAV is ₹32.418, as on 30-10-2026.
What are the returns of Bandhan Equity Savings Fund?
The Direct plan returned +3.37% in 1 year, +7.17% a year over 3 years, +6.70% a year over 5 years. The Regular plan returned +2.43% in 1 year, +6.18% a year over 3 years, +5.67% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of Bandhan Equity Savings Fund?
The Direct plan charges 0.63% a year. The Regular plan charges 1.54% a year. This is the figure the fund house reported to AMFI, in force from 01-10-2026.
What is the AUM of Bandhan Equity Savings Fund?
Bandhan Equity Savings Fund managed ₹409.39 Cr on 31-08-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of Bandhan Equity Savings Fund?
At the end of August 2026 the largest holdings were Bandhan Money Market Fund -Direct Plan-Growth (6.97%), 7.48% National Bank For Agriculture and Rural Development (4.38%), AXISBANK (3.87%), KOTAKBANK (3.76%), HDFCBANK (3.66%). The fund held 67 securities in all.
How do I invest in Bandhan Equity Savings Fund?
Through Bandhan Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹1,000. You can invest once or through a monthly SIP.
Who is the fund manager of Bandhan Equity Savings Fund?
What is the exit load of Bandhan Equity Savings Fund?
Exit Load for units in excess of 10% of the investment,0.25% will be charged for redemption within 7 days.
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.
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