Bandhan Bond Fund - Short Term - Direct Plan - IDCW - Annual

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 47 (Category Avg - 67.58) | Modified Duration 2.85 Years (Category Avg - 2.62)| Yield to Maturity 6.58% (Category Avg - 6.89%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	47.97%	20.36%
CD	13.68%	3.36%
T-Bills	0.00%	0.04%
CP	0.00%	0.67%
NCD & Bonds	36.02%	69.24%
PTC	0.00%	2.63%

Category - Short Duration Fund

Security Type	% Weight	Category Average
Government Backed	47.97%	20.39%
Low Risk	49.70%	75.89%
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 - Short Duration Fund

Debt holding in Portfolio (as on 30th Sep,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			42507.84	39.83%	41.35 Cr
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	4816.94	4.51%	4.75 Cr
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	4573.09	4.28%	4.50 Cr
Bond - Tata Capital Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	4439.18	4.16%	4.41 Cr
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	3053.58	2.86%	3.00 Cr
Bond - Govt of India	GOI	Other			3004.77	2.82%	3.05 Cr
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	2938.81	2.75%	3.00 Cr
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	2761.03	2.59%	2.75 Cr
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	2742.87	2.57%	2.70 Cr
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	2532.86	2.37%	2.50 Cr
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	2491.83	2.33%	2.45 Cr
Bond - Govt of India	GOI	Other			2483.48	2.33%	2.50 Cr
Bond - Govt of India	GOI	Other			2145.97	2.01%	2.15 Cr
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	1972.26	1.85%	2.00 Cr
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	A1+	ICRA	1954.40	1.83%	2.00 Cr
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	1948.40	1.83%	2.00 Cr
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1767.50	1.66%	1.75 Cr
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	1497.49	1.40%	1.50 Cr
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1014.68	0.95%	1.00 Cr
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1011.83	0.95%	1.00 Cr
Bond - Govt of India	GOI	Other			993.10	0.93%	1.00 Cr
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	974.99	0.91%	1.00 Cr
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	973.32	0.91%	1.00 Cr
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	942.96	0.88%	1.00 Cr
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	734.60	0.69%	75.00 L
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	608.13	0.57%	60.00 L
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	510.49	0.48%	50.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	507.01	0.48%	50.00 L
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	505.77	0.47%	50.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	503.40	0.47%	50.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	503.36	0.47%	50.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	502.41	0.47%	50.00 L
Bond - JIO Credit Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	499.71	0.47%	50.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	498.00	0.47%	50.00 L
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	489.66	0.46%	50.00 L
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	487.55	0.46%	50.00 L
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	486.86	0.46%	50.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	406.68	0.38%	40.00 L
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	400.40	0.38%	40.00 L
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	302.04	0.28%	30.00 L
Bond - Union Bank Of India	CD	Public sector bank	F1+	FITCH	246.99	0.23%	25.00 L
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	244.91	0.23%	25.00 L
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	198.00	0.19%	20.00 L
Bond - Govt of India	GOI	Other			20.74	0.02%	2.00 L
Bond - Govt of India	GOI	Other			10.32	0.01%	1.00 L
Bond - Govt of India	GOI	Other			10.00	0.01%	1.00 L
Bond - Govt of India	GOI	Other			8.63	0.01%	85.00 k