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    Bandhan Retirement Fund

    SolutionDirect and Regular plans, Growth and IDCW options

    Data as on 30-10-2026

    Compare this fundTrack this fund

    Bandhan Retirement Fund is a mutual fund run by Bandhan Mutual Fund. On 31-08-2026, it managed ₹182 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 9.1% a year and its Regular plan returned 7.3% a year.

    NAV (Direct plan)
    ₹12.80
    ▲ 0.41%30-10-2026
    NAV (Regular plan)
    ₹12.17
    ▲ 0.40%30-10-2026
    Expense ratio
    1.03%Direct2.62%Regular
    Riskometer
    Very High
    Set by the fund house
    3 year return
    9.1%Direct7.3%Regular

    Bandhan Retirement Fund NAV Today

    NAV on 30-10-2026: Direct Plan Growth ₹12.80 (up 0.41% that day); Regular Plan Growth ₹12.17 (up 0.40% that day).

    Bandhan Retirement Fund Returns

    Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

    Trailing returns
    Period1M3M6M1Y3Y5Y10Y
    This fund (Direct)+0.47%−3.64%−1.17%−3.52%+9.08%----
    This fund (Regular)+0.34%−4.03%−1.97%−5.08%+7.28%----
    Category average--------------
    Best in category--------------
    Worst in category--------------
    Rank in category--------------

    No category comparison is shown: this fund's category is too broad to compare, or has fewer than five funds. This fund's benchmark is CRISIL Hybrid 50+50 - Moderate Index. Returns of that index are not available to us.

    Bandhan Retirement Fund Year-wise Returns

    Return of each calendar year
    YearDirectRegular
    2026to date−4.29%−5.58%
    2025+8.38%+6.62%
    2024+14.67%+12.76%

    Bandhan Retirement 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 1-year holding period, plotted on the day it ended. There are 506 periods, one for each trading day from 21-10-2024 to 30-10-2026.

    −5%0%5%10%15%20%25%30%
    Dec 2023
    to
    Dec 2024    Apr 2024
    to
    Apr 2025    Aug 2024
    to
    Aug 2025    Dec 2024
    to
    Dec 2025    May 2025
    to
    May 2026    Aug 2025
    to
    Aug 2026
    Bandhan Retirement Fund (Direct)

    Every holding period at a glance

    PeriodPeriodsMedianLowestHighestWith a loss
    1 year5066.1%−4.5%25.5%7%
    2 years2565.8%−0.4%16.2%2%

    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. Past returns do not promise future returns.

    Bandhan Retirement Fund Risk

    How much it swings, and the falls an investor had to sit through

    Risk and return

    MeasureBandhan Retirement Fund (Direct)This fund
    Return (CAGR)+9.08%
    Standard deviation8.35%
    Sharpe ratio0.37
    Sortino ratio0.50
    Maximum drawdown−9.8% (30-03-2026)

    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.

    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.

    −10%−8%−6%−4%−2%0%
    202420252026
    Bandhan Retirement Fund (Direct)
    Worst fallHigh before itBottomBack at the highTime to climb backBelow its high today
    Bandhan Retirement Fund (Direct)−9.8%02-01-202630-03-2026Not yet--−5.0%

    From the Direct plan's daily NAV since 19-10-2023, adjusted for unit splits. "Time to climb back" runs from the bottom to the first day back at the old high.

    Bandhan Retirement Fund Expense Ratio and Costs

    What each plan charges a year, in force from 01-10-2026

    PlanBase expense ratioBrokerageTransaction costsLevies and GSTTotal expense ratio
    Direct0.73%0.04%0.01%0.25%1.03%
    Regular2.10%0.04%0.01%0.47%2.62%

    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.

    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 lastRegularDirectDirect earned more by₹1 lakh became (Regular)₹1 lakh became (Direct)
    1 year−5.08%−3.52%1.56%₹94,920₹96,480
    3 years7.28%9.08%1.80% a year₹1,23,469₹1,29,788

    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 Retirement 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 19-10-2023 to 30-10-2026: 37 instalments, ₹3,70,000 in all.

    InvestmentInvestedValue nowGainReturn a year
    Direct planBandhan Retirement Fund (Direct) ₹3,70,000 ₹3,87,963 ₹17,963 3.0%
    Regular planBandhan Retirement Fund (Regular) ₹3,70,000 ₹3,77,732 ₹7,732 1.3%
    ₹0₹1.0 L₹2.0 L₹3.0 L₹4.0 L
    202420252026
    Direct planBandhan Retirement Fund (Direct)Regular planBandhan Retirement Fund (Regular)Amount invested

    From each plan's published NAV (Growth option), 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 Retirement Fund Asset Allocation

    Asset allocation as on 31-08-2026

    What the fund holds

    72.1%Equity

    AssetFund
    Equity72.1%
    Debt21.3%
    Cash and others6.6%

    Market cap of stocks

    Market capFund
    Large Cap56.2%
    Mid Cap11.1%
    Small Cap4.8%

    Share of the whole fund. 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.

    RatingFund
    Sovereign21.3%

    Bandhan Retirement Fund Sector Allocation

    Sector allocation of the fund's stocks as on 31-08-2026

    Largest sectors

    1. Banks16.7%

    2. Telecom - Services5.5%

    3. Petroleum Products5.1%

    4. Consumer Durables4.9%

    5. Construction3.8%

    6. IT - Software3.8%

    7. Electrical Equipment3.6%

    8. Automobiles3.4%

    9. Finance2.9%

    10. Retailing2.8%

    The ten largest of 28 sectors. The other 18 add up to 19.8%.

    Bandhan Retirement Fund Portfolio Holdings

    As on 31-08-2026 · 55 holdings · from the fund house's monthly portfolio

    HoldingsSector / RatingWeight%Holdings trend1M change
    7.3% GOI (MD 19/06/2053) · Government securitySOVEREIGN21.31%
    Bharti Airtel LimitedTelecom - Services5.45%
    Reliance Industries LimitedPetroleum Products5.08%
    ICICI Bank LimitedBanks4.80%
    HDFC Bank LimitedBanks4.09%
    Titan Company LimitedConsumer Durables3.91%
    Larsen & Toubro LimitedConstruction3.81%
    Kotak Mahindra Bank LimitedBanks3.76%
    Hitachi Energy India LimitedElectrical Equipment2.75%
    State Bank of IndiaBanks2.16%

    Bandhan Retirement 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.

    What Bandhan Retirement Fund bought and sold

    Bandhan Retirement Fund Portfolio Overlap

    Funds with the most similar portfolios, across every fund house and category

    FundOverlapHoldings in common
    SBI BSE 100 ETFETF · SBI45.3%32Compare
    Tata NIFTY 50 Exchange Traded FundIndex · Tata45.3%23Compare
    360 ONE ELSS Tax Saver Nifty 50 Index FundIndex · 360 ONE45.2%23Compare
    Bandhan Nifty 100 Index FundIndex · Bandhan45.2%31Compare
    Bandhan Nifty 50 Index FundIndex · Bandhan45.0%23Compare
    Zerodha Nifty 50 Index FundIndex · Zerodha44.9%22Compare
    Nippon India Index Fund - Nifty 50 PlanIndex · Nippon India44.8%22Compare
    SBI NIFTY Index FundIndex · SBI44.8%22Compare

    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 Retirement Fund Overview

    Fund facts from the scheme summary document, as on 16-10-2026

    Expense ratio (Direct)
    1.03%
    Expense ratio (Regular)
    2.62%
    Category
    Solution
    Risk
    Very High
    Benchmark
    CRISIL Hybrid 50+50 - Moderate Index
    Launch date
    13-10-2023
    Minimum investment
    ₹1,000
    Minimum additional investment
    Not available
    AUM
    ₹181.88 Cr (31-08-2026)
    Lock in
    5 years, or until retirement if earlier
    Scheme code (Direct)
    152102
    ISIN (Direct)
    INF194KB1GU2
    Scheme code (Regular)
    152103
    ISIN (Regular)
    INF194KB1GN7
    NAV history
    From 19-10-2023, 3.0 years
    Exit load
    Nil

    Tax on Bandhan Retirement Fund returns

    • How the gain is taxed depends on what the fund holds. A fund with 65% or more in Indian stocks is taxed as an equity fund: 20% within 1 year, 12.5% after, on gains above ₹1.25 lakh a year.
    • A fund with 65% or more in debt is taxed at your slab rate. Any other fund: your slab rate within 2 years, 12.5% after.
    • 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

    PlanOptionNAVAs on
    directGrowth₹12.79630-10-2026
    directIDCW₹12.78630-10-2026
    regularGrowth₹12.16830-10-2026
    regularIDCW₹12.16930-10-2026

    About Bandhan Retirement Fund

    Bandhan Retirement Fund is a mutual fund from Bandhan Mutual Fund. Its category is Solution. It was launched on 13-10-2023. Its benchmark is CRISIL Hybrid 50+50 - Moderate Index. At the end of August 2026 it held 55 securities.

    Fund Manager

    • Vishal Biraia

      Fund manager of Bandhan Retirement Fund, since 24-01-2024

    • Gautam Kaul

      Fund manager of Bandhan Retirement Fund, since 19-10-2023

    • Viraj Kulkarni

      Fund manager of Bandhan Retirement Fund, since 02-12-2024

    • Ritika Behera

      Fund manager of Bandhan Retirement Fund, since 02-12-2024

    • Gaurav Satra

      Fund manager of Bandhan Retirement Fund, since 02-12-2024

    • Brijesh Shah

      Fund manager of Bandhan Retirement Fund, since 02-12-2024

    See all funds of Bandhan Mutual Fund

    AUM change

    August 2026
    ₹181.88 Cr
    First month on file

    AUM moves with money invested or taken out, and with the value of what the fund holds.

    Compare Bandhan Retirement Fund with Other Funds

    Returns, risk, costs and the stocks they share, side by side

    Compare with any other fund

    Frequently Asked Questions for Bandhan Retirement Fund

    What is the current NAV of Bandhan Retirement Fund?

    The Direct plan NAV is ₹12.796. The Regular plan NAV is ₹12.168, as on 30-10-2026.

    What are the returns of Bandhan Retirement Fund?

    The Direct plan returned −3.52% in 1 year, +9.08% a year over 3 years. The Regular plan returned −5.08% in 1 year, +7.28% a year over 3 years. These figures are as on 30-10-2026.

    What is the expense ratio of Bandhan Retirement Fund?

    The Direct plan charges 1.03% a year. The Regular plan charges 2.62% a year. This is the figure the fund house reported to AMFI, in force from 01-10-2026.

    What is the AUM of Bandhan Retirement Fund?

    Bandhan Retirement Fund managed ₹181.88 Cr on 31-08-2026, as its fund house reported in its monthly portfolio.

    What are the top holdings of Bandhan Retirement Fund?

    At the end of August 2026 the largest holdings were 7.3% GOI (MD 19/06/2053) (21.31%), BHARTIARTL (5.45%), RELIANCE (5.08%), ICICIBANK (4.80%), HDFCBANK (4.09%). The fund held 55 securities in all.

    How do I invest in Bandhan Retirement 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 Retirement Fund?

    Vishal Biraia (since 24-01-2024), Gautam Kaul (since 19-10-2023), Viraj Kulkarni (since 02-12-2024), Ritika Behera (since 02-12-2024), Gaurav Satra (since 02-12-2024), Brijesh Shah (since 02-12-2024).

    What is the exit load of Bandhan Retirement Fund?

    Nil

    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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