Bandhan Ultra Short to Short Term Fund is a Low Duration fund run by Bandhan Mutual Fund. On 30-09-2026, it managed ₹6,342 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 7.0% a year and its Regular plan returned 6.7% a year. Its benchmark, NIFTY Low Duration Debt Index A-I, returned 7.1% a year over the same 3 years.
NAV (Direct plan)
₹42.72
▲ 0.02% · 30-10-2026
NAV (Regular plan)
₹41.53
▲ 0.02% · 30-10-2026
Expense ratio
0.38%Direct0.69%Regular
0.38%
A year
Riskometer
Low to Moderate
Set by the fund house
3 year return
7.0%Direct6.7%Regular
7.0%
A year
Bandhan Ultra Short to Short Term Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹42.72 (up 0.02% that day); Regular Plan Growth ₹41.53 (up 0.02% that day).
This fund (Direct plan)
₹42.7232
Bandhan Ultra Short to Short Term Fund Returns vs NIFTY Low Duration Debt Index A-I
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)
+0.22%
+1.15%
+3.00%
+5.73%
+7.03%
+6.39%
+6.66%
This fund (Regular)
+0.20%
+1.06%
+2.84%
+5.39%
+6.73%
+6.11%
+6.41%
NIFTY Low Duration Debt Index A-I
+0.51%
+1.58%
+3.53%
+6.31%
+7.10%
+6.35%
--
Low Duration average
+0.18%
+1.12%
+2.95%
+5.79%
+7.22%
+6.58%
+6.73%
Best in Low Duration
+0.32%
+1.28%
+3.14%
+6.07%
+7.71%
+6.75%
+7.25%
Worst in Low Duration
+0.10%
+0.97%
+2.72%
+5.28%
+6.98%
+6.39%
+5.98%
Rank in Low Duration
7/25
12/25
9/25
15/23
18/20
17/17
10/15
Category rows compare the Direct plans of 25 Low Duration funds. Rank 1 is the highest return. The benchmark row is as on 30-09-2026, as NSE published it.
Bandhan Ultra Short to Short Term Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
2026to date
+4.74%
+4.47%
2025
+7.49%
+7.20%
2024
+7.59%
+7.31%
2023
+7.21%
+6.94%
2022
+4.30%
+4.03%
2021
+3.71%
+3.48%
Bandhan Ultra Short to Short Term 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 2,627 periods, one for each trading day from 04-01-2016 to 30-10-2026.
0%2%4%6%8%10%
Bandhan Ultra Short to Short Term Fund (Direct)
Category average, 25 Low Duration funds
Nov 2013 to Nov 2016Sept 2015 to Sept 2018Jul 2017 to Jul 2020May 2019 to May 2022Mar 2021 to Mar 2024Dec 2022 to Dec 2025
Bandhan Ultra Short to Short Term Fund (Direct)Category average, 25 Low Duration funds
0%
0%
Below 0%
7%
0%
0-5%
93%
100%
5-10%
0%
0%
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
3,103
7.6%
3.0%
10.6%
0%
7.7%
41%
2 years
2,868
7.5%
3.7%
10.0%
0%
7.4%
44%
3 years
2,627
7.4%
4.7%
9.6%
0%
7.3%
50%
5 years
2,144
6.4%
5.9%
8.8%
0%
6.6%
60%
7 years
1,662
6.7%
6.2%
8.7%
0%
6.7%
49%
10 years
934
7.1%
6.7%
7.5%
0%
7.1%
34%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
154
7.6%
2.6%
10.3%
0%
7.6%
36%
2 years
142
7.5%
3.3%
9.6%
0%
7.4%
35%
3 years
130
7.4%
4.2%
9.3%
0%
7.3%
35%
5 years
106
6.8%
5.3%
8.4%
0%
7.0%
31%
7 years
82
6.5%
5.9%
8.3%
0%
6.7%
25%
10 years
46
6.6%
6.5%
6.8%
0%
6.7%
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 25 Low Duration funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.
Bandhan Ultra Short to Short Term Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
Bandhan Ultra Short to Short Term Fund (Direct)This fund
Category average
Return (CAGR)
+5.73%
+5.78%
Standard deviation
0.63%
0.60%
Sharpe ratio
0.77
0.89
Sortino ratio
1.14
1.32
Maximum drawdown
−0.24%
(21-05-2026)
−0.22%
(21-05-2026)
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 Ultra Short to Short Term Fund (Direct)This fund
Category average
Return (CAGR)
+7.03%
+7.22%
Standard deviation
0.49%
0.48%
Sharpe ratio
2.07
2.48
Sortino ratio
3.43
4.27
Maximum drawdown
−0.24%
(21-05-2026)
−0.22%
(21-05-2026)
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.
Measure
Bandhan Ultra Short to Short Term Fund (Direct)This fund
Category average
Return (CAGR)
+6.39%
+6.59%
Standard deviation
0.51%
0.46%
Sharpe ratio
1.17
1.72
Sortino ratio
1.73
2.71
Maximum drawdown
−0.54%
(06-05-2022)
−0.39%
(06-05-2022)
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 Ultra Short to Short Term Fund (Direct)This fund
Category average
Return (CAGR)
+6.66%
+6.73%
Standard deviation
0.71%
1.02%
Sharpe ratio
1.78
1.31
Sortino ratio
3.31
1.79
Maximum drawdown
−1.2%
(24-03-2020)
−2.2%
(07-06-2019)
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 Ultra Short to Short Term Fund (Direct)This fund
Category average
Return (CAGR)
+7.38%
+7.40%
Standard deviation
0.68%
0.91%
Sharpe ratio
1.97
1.48
Sortino ratio
3.50
2.05
Maximum drawdown
−1.2%
(24-03-2020)
−2.2%
(07-06-2019)
From daily NAVs, 02-01-2013 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.
−2.5%−2%−1.5%−1%−0.5%0%
Bandhan Ultra Short to Short Term Fund (Direct)
Category average, 25 Low Duration funds
2014201620182020202220242026
Bandhan Ultra Short to Short Term Fund (Direct)Category average, 25 Low Duration funds
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
Bandhan Ultra Short to Short Term Fund (Direct)
−1.2%
09-03-2020
24-03-2020
27-03-2020
3 days
0.0%
Category average
−2.2%
03-06-2019
07-06-2019
26-08-2019
3 months
0.0%
From the Direct plan's daily NAV since 02-01-2013, adjusted for unit splits, and the average of the 25 Low Duration 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 Ultra Short to Short Term Fund vs Other Low Duration Funds
The five Low Duration 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 Ultra Short to Short Term 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
Low Duration median
Cost rank (1 = cheapest)
Direct
0.29%
0.03%
0.00%
0.06%
0.38%
0.34%
16/25
Regular
0.56%
0.03%
0.00%
0.10%
0.69%
0.86%
8/25
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 Low Duration 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
5.39%
5.73%
0.34%
₹1,05,390
₹1,05,730
3 years
6.73%
7.03%
0.30% a year
₹1,21,579
₹1,22,607
5 years
6.11%
6.39%
0.28% a year
₹1,34,518
₹1,36,303
10 years
6.41%
6.66%
0.25% a year
₹1,86,133
₹1,90,553
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 Ultra Short to Short Term 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 02-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planBandhan Ultra Short to Short Term Fund (Direct)
₹16,60,000
₹27,18,406
₹10,58,406
6.8%
Regular planBandhan Ultra Short to Short Term Fund (Regular)
Direct planBandhan Ultra Short to Short Term Fund (Direct)Regular planBandhan Ultra Short to Short Term Fund (Regular)Category averageCategory average, 25 Low Duration 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 Ultra Short to Short Term Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
92.5%Debt
Asset
Fund
Category
Debt
92.5%
93.9%
Cash and others
7.5%
6.0%
Credit rating
Bonds and money market papers by credit rating, % of the fund. Category: the average of 25 Low Duration funds.
Rating
Fund
Category
Sovereign
10.6%
8.9%
AAA and A1+
78.8%
72.7%
AA
3.1%
12.3%
Bandhan Ultra Short to Short Term Fund Portfolio Holdings
As on 30-09-2026 · 80 holdings · from the fund house's monthly portfolio
Holdings
Rating
Weight%
7.45% Power Finance Corporation Limited · Bond
CRISIL AAA
5.26%
91 Days Tbill (MD 01/10/2026) · Treasury bill
SOVEREIGN
4.65%
HDFC Bank Limited · Certificate of deposit
CARE A1+
4.63%
8.1% Tata Capital Housing Finance Limited · Bond
CRISIL AAA
4.34%
7.83% Bajaj Housing Finance Limited · Bond
CRISIL AAA
4.29%
91 Days Tbill (MD 08/10/2026) · Treasury bill
SOVEREIGN
3.94%
National Bank For Agriculture and Rural Development · Certificate of deposit
CRISIL A1+
3.86%
7.79% Small Industries Dev Bank of India · Bond
CRISIL AAA
3.55%
Axis Bank Limited
CRISIL A1+
3.09%
7.1% Bajaj Housing Finance Limited · Bond
CRISIL AAA
2.73%
6.66% National Bank For Agriculture and Rural Development · Bond
ICRA AAA
2.70%
8.1167% Bajaj Finance Limited · Bond
CRISIL AAA
2.68%
HDFC Bank Limited · Certificate of deposit
CARE A1+
2.46%
6.66% Small Industries Dev Bank of India · Bond
CRISIL AAA
1.70%
Canara Bank · Certificate of deposit
CRISIL A1+
1.55%
Bank of Baroda · Certificate of deposit
CARE A1+
1.55%
Canara Bank · Certificate of deposit
CRISIL A1+
1.54%
Small Industries Dev Bank of India · Certificate of deposit
CRISIL A1+
1.54%
Mahindra & Mahindra Financial Services Limited · Commercial paper
CRISIL A1+
1.53%
HDFC Bank Limited · Certificate of deposit
CARE A1+
1.53%
Punjab National Bank · Certificate of deposit
CRISIL A1+
1.46%
REC Limited · Commercial paper
CRISIL A1+
1.22%
7.835% LIC Housing Finance Limited · Bond
CRISIL AAA
1.21%
7.79% Small Industries Dev Bank of India · Bond
CRISIL AAA
1.18%
7.75% Small Industries Dev Bank of India · Bond
CRISIL AAA
1.18%
Mahindra & Mahindra Financial Services Limited · Commercial paper
CRISIL A1+
1.17%
National Bank For Agriculture and Rural Development · Certificate of deposit
ICRA A1+
1.16%
HDFC Bank Limited · Certificate of deposit
ICRA A1+
1.16%
HDFC Bank Limited · Certificate of deposit
CARE A1+
1.15%
7.83% Cholamandalam Investment and Finance Company Ltd · Bond
ICRA AA+
1.09%
8.05% Muthoot Finance Limited · Bond
CRISIL AA+
1.02%
7.83% National Bank For Agriculture and Rural Development · Bond
CRISIL AAA
0.95%
Axis Bank Limited
CRISIL A1+
0.85%
8.0409% Tata Capital Housing Finance Limited · Bond
CRISIL AAA
0.82%
7.53% National Bank For Agriculture and Rural Development · Bond
ICRA AAA
0.79%
7.18% Power Finance Corporation Limited · Bond
CRISIL AAA
0.79%
8.95% Muthoot Finance Limited · Bond
CRISIL AA+
0.79%
7.34% Small Industries Dev Bank of India · Bond
CRISIL AAA
0.78%
7.31% Bajaj Finance Limited · Bond
CRISIL AAA
0.78%
7.712% Tata Capital Housing Finance Limited · Bond
CRISIL AAA
0.78%
Bank of Baroda · Certificate of deposit
CARE A1+
0.77%
National Bank For Agriculture and Rural Development · Certificate of deposit
CRISIL A1+
0.77%
Bajaj Auto Credit Limited · Commercial paper
CRISIL A1+
0.77%
Axis Bank Limited
CRISIL A1+
0.77%
Small Industries Dev Bank of India · Certificate of deposit
CRISIL A1+
0.77%
Bajaj Finance Limited · Commercial paper
ICRA A1+
0.75%
7.7951% Bajaj Finance Limited · Bond
CRISIL AAA
0.71%
6.37% REC Limited · Bond
ICRA AAA
0.71%
7.1% Power Finance Corporation Limited · Bond
CRISIL AAA
0.55%
Punjab National Bank · Certificate of deposit
CRISIL A1+
0.54%
6.65% LIC Housing Finance Limited · Bond
CRISIL AAA
0.39%
6.85% National Bank For Agriculture and Rural Development · Bond
ICRA AAA
0.39%
National Bank For Agriculture and Rural Development · Commercial paper
ICRA A1+
0.39%
National Bank For Agriculture and Rural Development · Certificate of deposit
ICRA A1+
0.39%
8.3% Tata Capital Limited · Bond
ICRA AAA
0.39%
Export Import Bank of India · Certificate of deposit
CRISIL A1+
0.39%
Bajaj Finance Limited · Commercial paper
ICRA A1+
0.37%
Corporate Debt Market Development Fund Class A2
0.33%
7.75% Tata Capital Housing Finance Limited · Bond
CRISIL AAA
0.32%
8.09% REC Limited · Bond
CRISIL AAA
0.32%
8.28% Rajasthan SDL (MD 14/03/2028) · State government security
SOVEREIGN
0.32%
6.95% Maharashtra SDL (MD 30/06/2032) · State government security
SOVEREIGN
0.30%
8.2% Cholamandalam Investment and Finance Company Ltd · Bond
ICRA AA+
0.24%
8.06% REC Limited · Bond
CRISIL AAA
0.24%
7.73% Gujarat SDL (MD 08/04/2029) · State government security
SOVEREIGN
0.24%
8.63% Rajasthan SDL (MD 03/09/2028) · State government security
SOVEREIGN
0.24%
7.7215% Bajaj Finance Limited · Bond
CRISIL AAA
0.16%
7.59% Haryana SDL (MD 15/02/2027) · State government security
SOVEREIGN
0.16%
8.28% Rajasthan SDL (MD 21/02/2028) · State government security
SOVEREIGN
0.16%
7.38% GOI (MD 20/06/2027) · Government security
SOVEREIGN
0.11%
8.16% Rajasthan SDL (MD 09/05/2028) · State government security
SOVEREIGN
0.08%
8% Karnataka SDL (MD 17/01/2028) · State government security
SOVEREIGN
0.08%
8.79% Gujarat SDL (MD 12/09/2028) · State government security
SOVEREIGN
0.08%
8.18% Tamilnadu SDL (MD 19/12/2028) · State government security
SOVEREIGN
0.07%
8.37% Tamilnadu SDL (MD 06/03/2029) · State government security
SOVEREIGN
0.06%
8.32% Karnataka SDL (MD 06/02/2029) · State government security
SOVEREIGN
0.03%
8.44% Rajasthan SDL (MD 27/02/2029) · State government security
SOVEREIGN
0.02%
7.88% Madhya Pradesh SDL (MD 24/01/2028) · State government security
SOVEREIGN
0.02%
8.35% Gujarat SDL (MD 06/03/2029) · State government security
SOVEREIGN
0.02%
7.57% Gujarat SDL (MD 09/11/2026) · State government security
SOVEREIGN
0.00%
Bandhan Ultra Short to Short Term Fund Portfolio Overlap
Funds with the most similar portfolios, across every fund house and category
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 Ultra Short to Short Term Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
0.38%
Expense ratio (Regular)
0.69%
Category
Low Duration
Risk
Low to Moderate
Benchmark
NIFTY Low Duration Debt Index A-I
Launch date
17-01-2006
Minimum investment
₹100
Minimum additional investment
₹100
AUM
₹6,342.30 Cr (30-09-2026)
Lock in
None
Scheme code (Direct)
118371
ISIN (Direct)
INF194K01J77
Scheme code (Regular)
108632
ISIN (Regular)
INF194K01FU8
NAV history
From 02-01-2013, 13.8 years
Exit load
Nil
Tax on Bandhan Ultra Short to Short Term Fund returns
Bandhan Ultra Short to Short Term Fund is taxed as a debt fund: 65% or more of it is in bonds and money market papers.
For units bought on or after 01-04-2023, the gain is added to your income and taxed at your slab rate, however long you hold the units.
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
₹42.7232
30-10-2026
direct
Daily IDCW
₹10.1111
30-10-2026
direct
Monthly IDCW
₹10.1178
30-10-2026
direct
Periodic IDCW
₹13.9942
30-10-2026
direct
Quarterly IDCW
₹11.1505
30-10-2026
direct
Weekly IDCW
₹10.1033
30-10-2026
regular
Growth
₹41.5343
30-10-2026
regular
Daily IDCW
₹10.1015
30-10-2026
regular
Monthly IDCW
₹10.1044
30-10-2026
regular
Periodic IDCW
₹13.7914
30-10-2026
regular
Quarterly IDCW
₹11.2049
30-10-2026
regular
Weekly IDCW
₹10.1133
30-10-2026
About Bandhan Ultra Short to Short Term Fund
Bandhan Ultra Short to Short Term Fund is a mutual fund from Bandhan Mutual Fund. Its category is Low Duration. It was launched on 17-01-2006. Its benchmark is NIFTY Low Duration Debt Index A-I. At the end of September 2026 it held 80 securities.
Fund Manager
Harshal Joshi
Fund manager of Bandhan Ultra Short to Short Term Fund, since 28-07-2021
Frequently Asked Questions for Bandhan Ultra Short to Short Term Fund
What is the current NAV of Bandhan Ultra Short to Short Term Fund?
The Direct plan NAV is ₹42.7232. The Regular plan NAV is ₹41.5343, as on 30-10-2026.
What are the returns of Bandhan Ultra Short to Short Term Fund?
The Direct plan returned +5.73% in 1 year, +7.03% a year over 3 years, +6.39% a year over 5 years. The Regular plan returned +5.39% in 1 year, +6.73% a year over 3 years, +6.11% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of Bandhan Ultra Short to Short Term Fund?
The Direct plan charges 0.38% a year. The Regular plan charges 0.69% a year. This is the figure the fund house reported to AMFI, in force from 01-10-2026.
What is the AUM of Bandhan Ultra Short to Short Term Fund?
Bandhan Ultra Short to Short Term Fund managed ₹6,342.30 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of Bandhan Ultra Short to Short Term Fund?
At the end of September 2026 the largest holdings were 7.45% Power Finance Corporation Limited (5.26%), 91 Days Tbill (MD 01/10/2026) (4.65%), HDFC Bank Limited (4.63%), 8.1% Tata Capital Housing Finance Limited (4.34%), 7.83% Bajaj Housing Finance Limited (4.29%). The fund held 80 securities in all.
How do I invest in Bandhan Ultra Short to Short Term 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 ₹100. You can invest once or through a monthly SIP.
Who is the fund manager of Bandhan Ultra Short to Short Term Fund?
Harshal Joshi (since 28-07-2021).
What is the exit load of Bandhan Ultra Short to Short Term 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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