Bandhan Short Term Fund vs Franklin India Short Term Fund
Direct Plan, Growth option · Data as on 30-10-2026
Bandhan Short Term Fund and Franklin India Short Term Fund are both Short Duration funds. Bandhan Short Term Fund charges 0.39% a year and Franklin India Short Term Fund 0.34% (Direct plans). Their portfolios overlap 5.8%: they hold 2 of the same securities.
Franklin India Short Term Fund
Short Duration
- Expense ratio
- 0.34%
- NAV
- ₹10.06
Which is better, Bandhan Short Term or Franklin India Short Term? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Franklin India Short Term costs less: 0.34% a year against 0.39% (Direct plans).
- Franklin India Short Term fell less in its worst fall since 12-08-2026: −0.2% against −0.3%.
- Bandhan Short Term is the larger fund: ₹8,680 Cr against ₹231 Cr.
- Their portfolios overlap 5.8%: 2 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 Short Term Fund | Franklin India Short Term Fund |
|---|---|---|
| Fund house | Bandhan Mutual Fund | Franklin Templeton Mutual Fund |
| Category | Short Duration | Short Duration |
| AUM | ₹8,680 Cr (30-09-2026) | ₹231 Cr (30-09-2026) |
| NAV | ₹65.95 (Direct) | ₹10.06 (Direct) |
| Expense ratio (Direct) | 0.39% | 0.34% |
| Expense ratio (Regular) | 0.87% | 0.96% |
| Riskometer | Low to Moderate | Not available |
| Benchmark | NIFTY Short Duration Debt Index A-II | Not available |
| Launch date | 13-12-2000 | Not available |
| Minimum investment | ₹1,000 | Not available |
| Lock in | None | Not available |
| Fund managers | Suyash Choudhary | Not available |
| Exit load | Nil | Not available |
Bandhan Short Term vs Franklin India Short Term: 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 Short Term Fund (Direct) | +0.04% | +0.72% | +3.17% | +5.54% | +7.64% | +6.48% | +7.08% |
| Franklin India Short Term Fund (Direct) | +0.02% | -- | -- | -- | -- | -- | -- |
| Short Duration average | −0.14% | -- | -- | -- | -- | -- | -- |
Category average: the average of the 25 Short Duration funds, same plan type.
Bandhan Short Term vs Franklin India Short Term: Year-wise Returns
| Year | BandhanBandhan Short Term | Franklin IndiaFranklin India Short Term |
|---|---|---|
| 2026to date | +4.69% | -- |
| 2025 | +7.98% | -- |
| 2024 | +8.36% | -- |
| 2023 | +7.41% | -- |
| 2022 | +3.28% | -- |
| 2021 | +3.88% | -- |
Bandhan Short Term vs Franklin India Short Term: Rolling Returns
Every holding period of both funds
Bandhan Short Term vs Franklin India Short Term: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Bandhan Short Term Fund (Direct) | Franklin India Short Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.72% | +2.83% |
| Standard deviation | 1.42% | 0.68% |
| Sharpe ratio | 1.18 | -3.57 |
| Sortino ratio | 1.87 | -4.00 |
| Maximum drawdown | −2.5% (24-03-2020) | −0.2% (22-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 03-01-2013 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. 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 Short Term Fund (Direct)
Franklin India Short Term Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Bandhan Short Term Fund (Direct) | −0.3% | 14-08-2026 | 21-08-2026 | 07-09-2026 | 17 days | −0.1% |
| Franklin India Short Term Fund (Direct) | −0.2% | 09-10-2026 | 22-10-2026 | Not yet | -- | −0.1% |
From daily values since 12-08-2026, the first day every fund has.
Bandhan Short Term vs Franklin India Short Term: Portfolio Overlap
From each fund's latest monthly portfolio: Bandhan Short Term Fund, September 2026; Franklin India Short Term Fund, September 2026
Holdings in common
- Overlap
- 5.8%
- Held by both
- 2
- Only in Bandhan Short Term
- 80
- Only in Franklin India Short Term
- 7
| Security | % of Bandhan Short Term | % of Franklin India Short Term |
|---|---|---|
| Small Industries Dev Bank of India | 4.64% | 10.16% |
| 7.8% LIC Housing Finance Limited | 1.15% | 11.48% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 5.8% means 5.8% 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 Short Term Fund
| Security | % of fund |
|---|---|
| 7.48% National Bank For Agriculture and Rural Development | 4.58% |
| Canara Bank | 4.00% |
| HDFC Bank Limited | 3.95% |
| 7.07% Bajaj Finance Limited | 3.10% |
| HDFC Bank Limited | 3.07% |
Largest holdings only in Franklin India Short Term Fund
| Security | % of fund |
|---|---|
| 8.65% Bharti Telecom Ltd (05-Nov-2027) | 11.73% |
| 8.85% Power Finance Corporation Ltd (25-May-2029) | 11.44% |
| 6.95% REC Ltd (18-Feb-2028) | 11.19% |
| 7.58% Poonawalla Fincorp Ltd (08-Sep-2028) | 10.86% |
| 7.70% National Bank For Agriculture & Rural Development (30-Sep-2027) | 10.84% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Bandhan Short Term | Franklin India Short Term |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 86.8% | 92.3% |
| Cash and others | 13.2% | 7.7% |
Bandhan Short Term vs Franklin India Short Term: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Bandhan Short Term Fund | Franklin India Short Term Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.39% | 0.34% |
| Base expense ratio (Direct) | 0.31% | 0.26% |
| Total expense ratio (Regular) | 0.87% | 0.96% |
| Base expense ratio (Regular) | 0.72% | 0.80% |
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.
More comparisons
Each fund against the others of its category
Compare Bandhan Short Term with
Bandhan Short Term Fund vs Franklin India Short Term Fund: Frequently Asked Questions
What is the difference between Bandhan Short Term Fund and Franklin India Short Term Fund?
Both are Short Duration funds, run by Bandhan Mutual Fund and Franklin Templeton Mutual Fund. Their portfolios overlap 5.8%. Bandhan Short Term Fund charges 0.39% a year and Franklin India Short Term Fund 0.34%.
Which has the lower expense ratio, Bandhan Short Term Fund or Franklin India Short Term Fund?
Franklin India Short Term Fund charges less: 0.34% a year against 0.39%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Bandhan Short Term Fund and Franklin India Short Term Fund overlap?
5.8%. They hold 2 of the same securities, the largest shared ones being Small Industries Dev Bank of India, 7.8% LIC Housing Finance Limited. From each fund's latest monthly portfolio.
Can I invest in both Bandhan Short Term Fund and Franklin India Short Term Fund?
Yes. 5.8% of each fund's money sits in the same holdings, so the two hold mostly different investments.
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.