Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund vs SBI CRISIL IBX SDL Index - September 2027 Fund
Direct Plan, Growth option · Data as on 30-10-2026
Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund is an Index fund and SBI CRISIL IBX SDL Index - September 2027 Fund is a mutual fund. In the 3 years to 30-10-2026, Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund (Direct) returned 7.6% a year and SBI CRISIL IBX SDL Index - September 2027 Fund (Direct) returned 7.5% a year. Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund charges 0.09% a year and SBI CRISIL IBX SDL Index - September 2027 Fund 0.25% (Direct plans). Their portfolios overlap 43.8%: they hold 5 of the same securities.
Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund
Index
- 3 year return
- 7.6%
- Expense ratio
- 0.09%
- NAV
- ₹13.21
SBI CRISIL IBX SDL Index - September 2027 Fund
- 3 year return
- 7.5%
- Expense ratio
- 0.25%
- NAV
- ₹13.31
Which is better, Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index or SBI CRISIL IBX SDL Index - September 2027? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index returned more over 3 years: 7.6% a year against 7.5%.
- Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index returned more over 1 year: 5.3% against 5.2%.
- Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index costs less: 0.09% a year against 0.25% (Direct plans).
- Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index swung less over 3 years: a standard deviation of 0.9% a year against 0.9%.
- SBI CRISIL IBX SDL Index - September 2027 fell less in its worst fall since 25-11-2022: −0.4% against −0.4%.
- SBI CRISIL IBX SDL Index - September 2027 is the larger fund: ₹2,216 Cr against ₹144 Cr.
- Their portfolios overlap 43.8%: 5 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund | SBI CRISIL IBX SDL Index - September 2027 Fund |
|---|---|---|
| Fund house | Bandhan Mutual Fund | SBI Mutual Fund |
| Category | Index | Not available |
| AUM | ₹144 Cr (30-09-2026) | ₹2,216 Cr (30-09-2026) |
| NAV | ₹13.21 (Direct) | ₹13.31 (Direct) |
| Expense ratio (Direct) | 0.09% | 0.25% |
| Expense ratio (Regular) | 0.34% | 0.42% |
| Riskometer | Low to Moderate | Not available |
| Benchmark | CRISIL IBX 90:10 SDL Plus Gilt Index - September 2027 | Not available |
| Launch date | 24-11-2022 | Not available |
| Minimum investment | ₹1,000 | Not available |
| Lock in | None | Not available |
| Fund managers | Gautam Kaul, Harshal Joshi | Not available |
| Exit load | Nil | Not available |
Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index vs SBI CRISIL IBX SDL Index - September 2027: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund (Direct) | +0.03% | +0.89% | +2.68% | +5.32% | +7.61% | -- | -- |
| SBI CRISIL IBX SDL Index - September 2027 Fund (Direct) | −0.01% | +0.81% | +2.56% | +5.18% | +7.53% | -- | -- |
Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index vs SBI CRISIL IBX SDL Index - September 2027: Year-wise Returns
| Year | Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 IndexBandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index | SBI CRISIL IBX SDL Index - September 2027SBI CRISIL IBX SDL Index - September 2027 |
|---|---|---|
| 2026to date | +4.34% | +4.23% |
| 2025 | +8.21% | +8.10% |
| 2024 | +8.33% | +8.34% |
| 2023 | +7.41% | +7.23% |
Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index vs SBI CRISIL IBX SDL Index - September 2027: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 229 of them, one for each trading day from 25-11-2025 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund (Direct)
SBI CRISIL IBX SDL Index - September 2027 Fund (Direct)
to
Dec 2025Feb 2023
to
Feb 2026Apr 2023
to
Apr 2026Jun 2023
to
Jun 2026Aug 2023
to
Aug 2026Oct 2023
to
Oct 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.7% | 7.7% | 7.2% | 8.2% |
| SBI CRISIL IBX SDL Index - September 2027 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.6% | 7.6% | 7.1% | 8.1% |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. Every fund is measured over the days all of them have, from 25-11-2022. Past returns do not promise future returns.
Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index vs SBI CRISIL IBX SDL Index - September 2027: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 25-11-2022 to 30-10-2026: 48 instalments, ₹4,80,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 IndexBandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund (Direct) | ₹4,80,000 | ₹5,52,203 | ₹72,203 | 7.0% |
| SBI CRISIL IBX SDL Index - September 2027SBI CRISIL IBX SDL Index - September 2027 Fund (Direct) | ₹4,80,000 | ₹5,51,203 | ₹71,203 | 6.9% |
Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 IndexBandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund (Direct)
SBI CRISIL IBX SDL Index - September 2027SBI CRISIL IBX SDL Index - September 2027 Fund (Direct)
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 CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index vs SBI CRISIL IBX SDL Index - September 2027: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund (Direct) | SBI CRISIL IBX SDL Index - September 2027 Fund (Direct) |
|---|---|---|
| Return (CAGR) | +5.32% | +5.18% |
| Standard deviation | 0.89% | 0.84% |
| Sharpe ratio | 0.08 | -0.08 |
| Sortino ratio | 0.11 | -0.11 |
| Maximum drawdown | −0.4% (02-04-2026) | −0.3% (02-04-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund (Direct) | SBI CRISIL IBX SDL Index - September 2027 Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.61% | +7.53% |
| Standard deviation | 0.91% | 0.92% |
| Sharpe ratio | 1.73 | 1.63 |
| Sortino ratio | 2.73 | 2.61 |
| Maximum drawdown | −0.4% (02-04-2026) | −0.3% (02-04-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund (Direct) | SBI CRISIL IBX SDL Index - September 2027 Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.32% | +7.48% |
| Standard deviation | 1.03% | 1.12% |
| Sharpe ratio | 1.11 | 1.17 |
| Sortino ratio | 1.71 | 1.83 |
| Maximum drawdown | −0.4% (22-02-2023) | −0.4% (22-02-2023) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 25-11-2022 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. Beta and alpha compare each fund with its own benchmark's TRI.
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.
Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund (Direct)
SBI CRISIL IBX SDL Index - September 2027 Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund (Direct) | −0.4% | 02-02-2023 | 22-02-2023 | 13-03-2023 | 19 days | −0.0% |
| SBI CRISIL IBX SDL Index - September 2027 Fund (Direct) | −0.4% | 02-02-2023 | 22-02-2023 | 13-03-2023 | 19 days | −0.1% |
From daily values since 25-11-2022, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund (Direct)
SBI CRISIL IBX SDL Index - September 2027 Fund (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund (Direct)
SBI CRISIL IBX SDL Index - September 2027 Fund (Direct)
Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index vs SBI CRISIL IBX SDL Index - September 2027: Portfolio Overlap
From each fund's latest monthly portfolio: Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund, September 2026; SBI CRISIL IBX SDL Index - September 2027 Fund, September 2026
Holdings in common
- Overlap
- 43.8%
- Held by both
- 5
- Only in Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index
- 6
- Only in SBI CRISIL IBX SDL Index - September 2027
- 19
| Security | % of Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index | % of SBI CRISIL IBX SDL Index - September 2027 |
|---|---|---|
| 7.18% Tamilnadu SDL (MD 26/07/2027) | 17.81% | 19.07% |
| 7.2% Maharashtra SDL (MD 09/08/2027) | 15.40% | 15.67% |
| 7.33% Maharashtra SDL (MD 13/09/2027) | 20.33% | 7.16% |
| 7.38% GOI (MD 20/06/2027) | 6.53% | 2.96% |
| 7.47% Chhattisgarh SDL (MD 27/09/2027) | 0.42% | 1.59% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 43.8% means 43.8% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund
| Security | % of fund |
|---|---|
| 7.28% Madhya Pradesh SDL (MD 23/08/2027) | 14.00% |
| 7.25% Gujarat SDL (MD 12/07/2027) | 7.00% |
| 6.2% Rajasthan SDL (MD 29/07/2027) | 6.94% |
| 7.21% Tamilnadu SDL (MD 09/08/2027) | 3.50% |
| 8.49% Andhra Pradesh SDL (MD 21/08/2027) | 3.09% |
Largest holdings only in SBI CRISIL IBX SDL Index - September 2027 Fund
| Security | % of fund |
|---|---|
| 7.38% State Government of Karnataka 2027 | 11.84% |
| 6.27% State Government of Tamil Nadu 2027 | 10.36% |
| 7.45% State Government of Rajasthan 2027 | 8.42% |
| 7.25% State Government of Gujarat 2027 | 2.95% |
| 7.46% State Government of Madhya Pradesh 2027 | 2.50% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index | SBI CRISIL IBX SDL Index - September 2027 |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 95.7% | 92.9% |
| Cash and others | 4.3% | 7.1% |
Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index vs SBI CRISIL IBX SDL Index - September 2027: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund | SBI CRISIL IBX SDL Index - September 2027 Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.09% | 0.25% |
| Base expense ratio (Direct) | 0.08% | 0.20% |
| Total expense ratio (Regular) | 0.34% | 0.42% |
| Base expense ratio (Regular) | 0.29% | 0.35% |
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, transaction costs, and levies with GST.
Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund vs SBI CRISIL IBX SDL Index - September 2027 Fund: Frequently Asked Questions
What is the difference between Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund and SBI CRISIL IBX SDL Index - September 2027 Fund?
Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund is an Index fund, SBI CRISIL IBX SDL Index - September 2027 Fund is a mutual fund, run by Bandhan Mutual Fund and SBI Mutual Fund. Their portfolios overlap 43.8%. Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund charges 0.09% a year and SBI CRISIL IBX SDL Index - September 2027 Fund 0.25%.
Which has given higher returns, Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund or SBI CRISIL IBX SDL Index - September 2027 Fund?
Over 1 year: Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund +5.32%, SBI CRISIL IBX SDL Index - September 2027 Fund +5.18%. Over 3 years: Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund +7.61% a year, SBI CRISIL IBX SDL Index - September 2027 Fund +7.53% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund or SBI CRISIL IBX SDL Index - September 2027 Fund?
Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund charges less: 0.09% a year against 0.25%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund and SBI CRISIL IBX SDL Index - September 2027 Fund overlap?
43.8%. They hold 5 of the same securities, the largest shared ones being 7.18% Tamilnadu SDL (MD 26/07/2027), 7.2% Maharashtra SDL (MD 09/08/2027), 7.33% Maharashtra SDL (MD 13/09/2027). From each fund's latest monthly portfolio.
Which is better for SIP, Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund or SBI CRISIL IBX SDL Index - September 2027 Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹4,10,684 in Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund (XIRR 6.7% a year) and ₹4,09,980 in SBI CRISIL IBX SDL Index - September 2027 Fund (XIRR 6.6% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund and SBI CRISIL IBX SDL Index - September 2027 Fund?
Yes. 43.8% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
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.