Bandhan Retirement Fund - Direct (G)

Retirement Fund

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NAV
13.27(-0.25%)
Fund Size (CR)
₹183.96
Expense Ratio
0.69
Scheme Type
Active Fund
Value Research
-

Min. investment
₹1,000
Minimum Additional Investment
₹1,000
Minimum SIP Investment
₹100
Minimum Withdrawal
₹1
Exit Load
0%
Return Since Launch
13.08%

Absolute Return: -0.21%

Annualized Return: 0%

Basic Details

Scheme Manager

Vishal Biraia

Bench Mark

CRISIL Hybrid 50+50 - Moderate Index

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	4 February 2026	10058.98	0.59%	-	0.81%	62/106
1 Month	9 January 2026	10063.55	0.64%	-	1.15%	68/106
3 Month	11 November 2025	10046.07	0.46%	-	0.51%	57/106
6 Month	11 August 2025	10414.15	4.14%	-	3.76%	40/106
1 Year	11 February 2025	11116.50	11.16%	11.16%	10.82%	42/106
3 Year	-	-	-	-	-	-/-
5 Year	-	-	-	-	-	-/-
Since Inception	18 October 2023	13302.00	33.02%	13.08%	11.39%	31/106

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	3 March 2025	1,20,000	124524.47	3.77%	3.77%
3 Year	1 November 2023	2,80,000	306991.67	9.64%	3.12%
5 Year	-	-	-	-	-
10 Year	-	-	-	-	-

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Monthly Investment (₹)

Minimum value allowed is 500

Expected Returns Rate (%)

Minimum value allowed is 1

Time Period (in Years)

Minimum value allowed is 1

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Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

2.16%

Standard Deviation

0.59%

Beta

1.18%

Sharpe Ratio

0.03%

Treynor's Ratio

3.88%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
ICICI Bank	6.11%	82900	11.23	Equity	Banks
Bharti Airtel	5.85%	54683	10.77	Equity	Telecom-Service
Reliance Industr	5.48%	72306	10.09	Equity	Refineries
HDFC Bank	3.79%	75000	6.97	Equity	Banks
Larsen & Toubro	3.66%	17134	6.74	Equity	Infrastructure Developers & Operators
Kotak Mah. Bank	3.62%	163000	6.65	Equity	Banks
Titan Company	3.01%	13920	5.54	Equity	Diamond, Gems and Jewellery
TCS	2.98%	17525	5.47	Equity	IT - Software
Infosys	2.34%	26193	4.30	Equity	IT - Software
SBI	2.17%	37000	3.99	Equity	Banks

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Bandhan Retirement Fund - Direct (G)	183.96	0.64%	0.46%	4.14%	11.16%	-
ICICI Pru Retirement Fund - Pure Equity - Dir (G)	1652.05	2.78%	1.88%	9.62%	24.63%	28.07%
ICICI Pru Retirement Fund - Pure Equity - Dir (IDCW)	1652.05	2.78%	1.86%	9.59%	24.60%	28.05%
Aditya Birla SL Retirement-The 30s Plan-Dir (IDCW)	419.29	2.51%	2.35%	7.09%	21.94%	18.47%
Aditya Birla SL Retirement-The 30s Plan-Dir (G)	419.29	2.50%	2.35%	7.09%	21.93%	18.46%
ICICI Pru Retirement Fund - Hybrid AP - Dir (G)	1093.36	2.50%	2.64%	9.89%	21.81%	24.70%

List of Schemes under Bandhan Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
Bandhan Large Cap Fund	Equity	Very High	16.91%	4	₹1,979.87
Bandhan Balanced Advantage Fund	Hybrid	Very High	10.4%	2	₹2,240.09
Bandhan Crisil IBX Gilt April 2026 Index Fund	Other	Moderately Low	6.6%	0	₹364.84
Bandhan Nifty Smallcap 250 Index Fund	Other	Very High	7.88%	0	₹58.18
Bandhan Medium to Long Duration Fund	Debt	Moderate	4.38%	1	₹473.11
Bandhan Value Fund	Equity	Very High	12.17%	4	₹10,103.58
Bandhan Nifty Next 50 Index Fund	Other	Very High	0%	0	₹25.16
Bandhan Nifty 100 Index Fund	Other	Very High	14.08%	2	₹228.30
Bandhan Large & Mid Cap Fund	Equity	Very High	18.11%	5	₹13,967.60
Bandhan CRISIL IBX 90:10 SDL Plus Gilt-Apr 2032 Index Fund	Other	Moderately High	6.32%	0	₹423.76
Bandhan CRISIL IBX Gilt June 2027 Index Fund	Other	Moderate	7.61%	0	₹6,047.63
Bandhan CRISIL IBX Gilt April 2028 Index Fund	Other	Moderate	7.97%	0	₹3,866.21
Bandhan Flexi Cap Fund	Equity	Very High	14.55%	3	₹7,477.59
Bandhan Focused Fund	Equity	Very High	10.96%	3	₹1,993.81
Bandhan Midcap Fund	Equity	Very High	15.65%	3	₹1,903.49
Bandhan Healthcare Fund	Equity	Very High	0%	0	₹279.60
Bandhan BSE Healthcare Index Fund	Other	Very High	5.53%	0	₹15.72
Bandhan CRISIL-IBX Financial Services 3-6 Months Debt Index Fund	Other	Moderately Low	0%	0	₹381.24
Bandhan Retirement Fund	Solution Oriented	Very High	11.16%	0	₹183.96
Bandhan Infrastructure Fund	Equity	Very High	9.78%	3	₹1,428.17
Bandhan ELSS Tax Saver Fund	Equity	Very High	14.69%	4	₹7,059.87
Bandhan Short Duration Fund	Debt	Moderate	7.44%	1	₹10,155.00
Bandhan Transportation and Logistics Fund	Equity	Moderately High	30.55%	0	₹659.01
Bandhan Arbitrage	Hybrid	Low	6.86%	4	₹8,828.63
Bandhan Financial Services Fund	Equity	Very High	21.18%	0	₹1,120.94
Bandhan Gilt Fund with 10 year Constant Duration Fund	Debt	Moderate	6.97%	0	₹337.85
Bandhan Nifty Bank Index Fund	Other	Very High	23.59%	0	₹20.85
Bandhan Nifty 500 Value 50 Index Fund	Other	Very High	34.52%	0	₹23.75
Bandhan Gilt Fund	Debt	Moderate	4.35%	2	₹1,999.03
Bandhan Overnight Fund	Debt	Low	5.65%	3	₹843.50
Bandhan Aggressive Hybrid Passive FOF	Other	High	13.38%	3	₹18.66
Bandhan Aggressive Hybrid Fund	Hybrid	Very High	18.99%	3	₹1,632.43
Bandhan US specific Equity Active FOF	Other	Very High	12.11%	0	₹354.57
Bandhan Nifty100 Low Volatility 30 Index Fund	Other	Very High	11.72%	4	₹1,846.48
Bandhan Equity Savings Fund	Hybrid	Moderately Low	6.89%	4	₹400.04
Bandhan Banking and PSU Fund	Debt	Moderately Low	6.89%	4	₹12,553.48
Bandhan CRISIL IBX 90:10 SDL Plus Gilt-Nov 2026 Index Fund	Other	Moderately Low	7.4%	0	₹99.62
Bandhan US Treasury Bond 0-1 year specific Debt Passive FOF	Other	Very High	8.37%	0	₹138.97
Bandhan Low Duration Fund	Debt	Moderately Low	7.1%	2	₹5,927.39
Bandhan Nifty200 Momentum 30 Index Fund	Other	Very High	9.12%	1	₹127.28
Bandhan Corporate Bond Fund	Debt	Moderately Low	7.08%	4	₹14,579.52
Bandhan Nifty 200 Quality 30 Index Fund	Other	Very High	8.24%	0	₹12.12
Bandhan Gold ETF FOF	Other	High	0%	0	₹96.00
Bandhan Dynamic Bond Fund	Debt	Moderate	4.24%	1	₹2,274.86
Bandhan Nifty Midcap 150 Index Fund	Other	Very High	18.68%	0	₹30.85
Bandhan Small Cap Fund	Equity	Very High	15.86%	5	₹19,266.54
Bandhan CRISIL-IBX 10:90 Gilt + SDL Index-Dec 2029 Fund	Other	Moderate	0%	0	₹0.38
Bandhan Long Duration Fund	Debt	Moderate	2.74%	0	₹119.71
Bandhan BSE India Sector Leaders Index Fund	Other	Very High	0%	0	₹26.67
Bandhan Conservative Hybrid Passive FOF	Other	Moderately High	10.3%	3	₹5.60
Bandhan Nifty Total Market Index Fund	Other	Very High	13.72%	0	₹39.46
Bandhan Conservative Hybrid Fund	Hybrid	Moderate	7.54%	2	₹98.99
Bandhan Income Plus Arbitrage Active FOF	Other	Moderately Low	6.96%	0	₹1,609.85
Bandhan CRISIL IBX Gilt April 2032 Index Fund	Other	Moderately High	7.18%	0	₹439.04
Bandhan Multi-Asset Passive FOF	Other	High	14.2%	0	₹19.76
Bandhan Multi Asset Allocation Fund	Hybrid	High	26.64%	0	₹2,966.55
Bandhan Nifty 50 Index Fund	Other	Very High	13.64%	3	₹2,231.70
Bandhan Multi-Factor Fund	Equity	Very High	0%	0	₹623.68
Bandhan Business Cycle Fund	Equity	Very High	13.11%	0	₹1,341.75
Bandhan Multi Cap Fund	Equity	Very High	14.25%	3	₹2,802.94
Bandhan Nifty 500 Momentum 50 Index Fund	Other	Very High	8.43%	0	₹28.41
Bandhan Innovation Fund	Equity	Very High	19.24%	0	₹1,913.04
Bandhan Nifty Alpha 50 Index Fund	Other	Very High	10.05%	0	₹497.81
Bandhan Money Market Fund	Debt	Moderately Low	7.38%	3	₹15,693.51
Bandhan Ultra Short Duration Fund - Reg	Debt	Moderately Low	6.87%	2	₹3,566.24
Bandhan CRISIL IBX 90:10 SDL Plus Gilt-Sep 2027 Index Fund	Other	Moderate	7.66%	0	₹150.83
Bandhan Nifty IT Index Fund	Other	Very High	-14.74%	0	₹31.61
Bandhan Liquid Fund	Debt	Moderately Low	6.4%	3	₹15,367.16
Bandhan Floater Fund	Debt	Moderately Low	7.57%	2	₹277.99
Bandhan Medium Duration Fund	Debt	Moderate	6.73%	2	₹1,375.47
Bandhan Nifty Alpha Low Volatility 30 Index Fund	Other	Very High	7.09%	0	₹8.75
Bandhan Silver ETF FOF	Other	Very High	0%	0	₹132.07
Bandhan Credit Risk Fund	Debt	Moderate	6.75%	2	₹241.32

News

Bandhan Mutual Fund hereby announces a change in Key Personnel. The details of the change are as under:
Bandhan Mutual Fund has announced the appointment of Mr. C. N. Ram as an Independent Director on the Board of Directors of Bandhan AMC Limited ('the AMC') with effect from January 31, 2026.
Name: Mr. C.N. Ram
Age: 68 years
Designation: Independent Director
Qualification: PGDM & B. Tech (Electrical Engineering)
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Bandhan MF announces Income Distribution cum Capital Withdrawal (IDCW) under two schemes
Bandhan Mutual Fund has announced 28 January 2026 as the record date for declaration of Income Distribution cum Capital Withdrawal (IDCW) under the following schemes. The amount of IDCW (Rs. per unit) on the face value of Rs 10 per unit will be:
Bandhan Aggressive Hybrid Fund ' Regular Plan ' IDCW Option: 0.146
Bandhan Aggressive Hybrid Fund ' Direct Plan ' IDCW Option: 0.166
Bandhan Equity Savings Fund ' Regular Plan ' Monthly IDCW Option: 0.055
Bandhan Equity Savings Fund ' Direct Plan ' Monthly IDCW Option: 0.058
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Bandhan Mutual Fund announces change in fund manager under its schemes

Bandhan Mutual Fund has announced change in fund manager under the following schemes, With effect from 14 January 2026.

Change in Fund Manager:

Scheme Name	Existing Fund Manager(s)	New Fund Manager(s)
Bandhan Gold ETF	Gold Portion: Mr. Abhishek Jain Debt portion: Mr. Brijesh Shah	Mr. Abhishek Jain
Bandhan Silver ETF	Silver Portion: Mr. Abhishek Jain Debt portion: Mr. Brijesh Shah	Mr. Abhishek Jain

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Fund House Details & Investment Objective

Date of Incorporation

28 September 2023

Total AUM (Cr)

₹183.96

Bandhan Retirement Fund - Direct (G) is an Retirement Fund-oriented fund from the renowned AMC, Bandhan Mutual Fund. Launched in 28 September 2023, this fund is managed by Vishal Biraia. With assets under management (AUM) worth ₹183.96 (Cr), as of 12 February 2026, Bandhan Retirement Fund - Direct (G) is categorized as a Retirement Fund within its segment. The fund has generated a return of 13.08% since its launch.
The current NAV of Bandhan Retirement Fund - Direct (G) is ₹13.27, as on 12 February 2026. The fund's benchmark index is CRISIL Hybrid 50+50 - Moderate Index. You can invest in Bandhan Retirement Fund - Direct (G) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹100 while the minimum lumpsum investment is ₹1,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
The fund has generated undefined% and undefined% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 74.71% in Equity, 24.03% in Debt and 1.26% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 22.36% in Debt, 17.00% in Banks, 8.13% in IT-Software, 6.12% in Telecom-Services, 6.03% in Petroleum Products