Bandhan Banking and PSU Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 74 (Category Avg - 58.59) | Modified Duration 2.55 Years (Category Avg - 3.12)| Yield to Maturity 6.43% (Category Avg - 6.58%)

Portfolio Summary (as on 31st Aug,2025)

Security Type	% Weight	Category Average
GOI	25.96%	15.74%
CD	5.21%	5.33%
T-Bills	0.00%	0.04%
CP	0.00%	0.04%
NCD & Bonds	64.71%	73.43%
PTC	0.00%	0.13%

Category - Banking and PSU Fund

Security Type	% Weight	Category Average
Government Backed	25.96%	15.78%
Low Risk	69.92%	78.93%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Banking and PSU Fund

Debt holding in Portfolio (as on 31st Aug,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			14328.12	10.81%	13.91 Cr
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	6237.18	4.71%	6.20 Cr
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	5281.52	3.99%	5.25 Cr
Bond - Govt of India	GOI	Other			5226.24	3.94%	5.05 Cr
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	5038.53	3.80%	5.00 Cr
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	4428.96	3.34%	4.40 Cr
Bond - Govt of India	GOI	Other			4373.04	3.30%	4.50 Cr
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	4270.51	3.22%	4.20 Cr
Bond - Nuclear Power Corporation of India Limited	NCD & Bonds	Power generation	LAAA	ICRA	4192.19	3.16%	4.10 Cr
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	3841.42	2.90%	3.80 Cr
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	3536.20	2.67%	3.50 Cr
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	3142.61	2.37%	3.15 Cr
Bond - Indian Oil Corporation Ltd.	NCD & Bonds	Refineries & marketing	AAA	CRISIL	3047.76	2.30%	2.98 Cr
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	2833.06	2.14%	2.80 Cr
Bond - Govt of India	GOI	Other			2842.11	2.14%	2.80 Cr
Bond - Govt of India	GOI	Other			2816.37	2.13%	2.75 Cr
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	2813.64	2.12%	2.80 Cr
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	2771.70	2.09%	2.75 Cr
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	2613.85	1.97%	2.60 Cr
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	2357.68	1.78%	2.50 Cr
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	2119.53	1.60%	2.10 Cr
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	2011.91	1.52%	2.00 Cr
Bond - Govt of India	GOI	Other			1955.40	1.48%	2.00 Cr
Bond - Hindustan Petroleum Corporation Ltd.	NCD & Bonds	Refineries & marketing	AAA	CRISIL	1947.93	1.47%	1.90 Cr
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	1883.14	1.42%	1.85 Cr
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1813.15	1.37%	1.80 Cr
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	1806.35	1.36%	1.80 Cr
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1667.98	1.26%	1.75 Cr
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	1525.94	1.15%	1.55 Cr
Bond - Govt of India	GOI	Other			1497.00	1.13%	1.50 Cr
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1436.33	1.08%	1.50 Cr
Bond - Govt of India	GOI	Other			1301.01	0.98%	1.29 Cr
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	1267.53	0.96%	1.25 Cr
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	1016.46	0.77%	1.00 Cr
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1014.45	0.77%	1.00 Cr
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	998.50	0.75%	1.00 Cr
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	A1+	ICRA	972.42	0.73%	1.00 Cr
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	912.81	0.69%	90.00 L
Bond - Nuclear Power Corporation of India Limited	NCD & Bonds	Power generation	AAA	CRISIL	830.50	0.63%	80.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	817.35	0.62%	80.00 L
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	788.01	0.59%	75.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	758.80	0.57%	75.00 L
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	594.04	0.45%	56.50 L
Bond - Nuclear Power Corporation of India Limited	NCD & Bonds	Power generation	AAA	CRISIL	558.06	0.42%	55.00 L
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	527.51	0.40%	50.00 L
Bond - NHPC Ltd.	NCD & Bonds	Power generation	CARE AAA	CARE	522.75	0.39%	50.00 L
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	520.12	0.39%	50.00 L
Bond - National Highways Authority of India	NCD & Bonds	Road assets–toll, annuity, hybrid-annuity	AAA	CRISIL	511.26	0.39%	50.00 L
Bond - Hindustan Petroleum Corporation Ltd.	NCD & Bonds	Refineries & marketing	AAA	CRISIL	508.92	0.38%	50.00 L
Bond - Indian Oil Corporation Ltd.	NCD & Bonds	Refineries & marketing	AAA	CRISIL	508.81	0.38%	50.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	508.01	0.38%	50.00 L
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	504.85	0.38%	50.00 L
Bond - ICICI Bank Ltd.	NCD & Bonds	Private sector bank	LAAA	ICRA	504.62	0.38%	50.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	502.49	0.38%	50.00 L
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	502.34	0.38%	50.00 L
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	475.61	0.36%	50.00 L
Bond - Hindustan Petroleum Corporation Ltd.	NCD & Bonds	Refineries & marketing	AAA	CRISIL	349.70	0.26%	35.00 L
Bond - National Highways Authority of India	NCD & Bonds	Road assets–toll, annuity, hybrid-annuity	AAA	CRISIL	314.76	0.24%	30.00 L
Bond - ICICI Bank Ltd.	NCD & Bonds	Private sector bank	LAAA	ICRA	295.85	0.22%	30.00 L
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	254.82	0.19%	25.00 L
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	254.49	0.19%	25.00 L
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	252.32	0.19%	25.00 L
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	251.31	0.19%	25.00 L
Bond - NHPC Ltd.	NCD & Bonds	Power generation	LAAA	ICRA	250.32	0.19%	25.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	248.88	0.19%	25.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	248.79	0.19%	25.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	179.72	0.14%	18.00 L
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	152.74	0.12%	15.00 L
Bond - Nuclear Power Corporation of India Limited	NCD & Bonds	Power generation	AAA	CRISIL	102.33	0.08%	10.00 L
Bond - NHPC Ltd.	NCD & Bonds	Power generation	CARE AAA	CARE	100.75	0.08%	10.00 L
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	100.32	0.08%	10.00 L
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	50.15	0.04%	5.00 L
Bond - Govt of India	GOI	Other			49.08	0.04%	5.00 L
Bond - Govt of India	GOI	Other			12.20	0.01%	1.20 L

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	3.47%
TREPS	TREPS	0.63%
Margin	Margin	0.02%

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hunch
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20 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more

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  JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss
  
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shravanashok
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35 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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The Fixed Income
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19 hrs ago

Boost Your Investment with a High-Return Secured NBFC Bond Vivriti Capital Limited – 2026 Bonds now listed on The Fixed Income ✔️ Coupon: 9.00% p.a. ✔️ Rating: CARE A+ Stable ✔️ Tenor: 1 year 1 month (Maturity: Nov 04, 2026) ✔️ Senior Secured | NBFC Bond | High Return | Listed Tap into a secured bond offering attractive returns from a trusted NBFC—perfect for investors seeking stability and growth in a short tenure. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJhbmJnPT0=/900-vivriti-capital-limited-2026?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Boost Your Investment with a High-Return Secured NBFC Bond Vivriti Capital Limited – 2026 Bonds now listed on The Fixed Income ✔️ Coupon: 9.00% p.a. ✔️ Rating: CARE A+ Stable ✔️ Tenor: 1 year 1 month (Maturity: Nov 04, 2026) ✔️ Senior Secured | NBFC Bond | High Return | Listed Tap into a secured bond offering attractive returns from a trusted NBFC—perfect for investors seeking stability and growth in a short tenure. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJhbmJnPT0=/900-vivriti-capital-limited-2026?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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sunny85deol
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86 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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Progrowth Finwealth
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86 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

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  Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time
  
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h_purandare
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92 days ago

Why are the NAVs of Indian Debt Mutual Funds going down after the rate cut View more

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