Bandhan Low Duration Fund - Regular 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 89 (Category Avg - 77.09) | Modified Duration 0.88 Years (Category Avg - 0.89)| Yield to Maturity 6.46% (Category Avg - 6.70%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	8.62%	6.83%
CD	12.27%	19.26%
T-Bills	2.87%	3.86%
CP	3.73%	3.43%
NCD & Bonds	67.24%	59.25%
PTC	0.00%	2.31%

Category - Low Duration Fund

Security Type	% Weight	Category Average
Government Backed	11.49%	10.68%
Low Risk	83.24%	84.25%
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 - Low Duration Fund

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

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	3771.61	5.49%	3.75 Cr
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	3276.86	4.77%	3.25 Cr
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	2231.05	3.25%	2.20 Cr
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	2175.74	3.17%	2.25 Cr
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	2051.61	2.99%	2.05 Cr
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	2019.34	2.94%	2.00 Cr
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	2012.76	2.93%	2.00 Cr
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	2006.27	2.92%	2.00 Cr
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	1968.78	2.87%	2.00 Cr
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	1954.77	2.85%	1.95 Cr
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1934.77	2.82%	2.00 Cr
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1707.89	2.49%	1.70 Cr
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	1503.75	2.19%	1.50 Cr
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1495.00	2.18%	1.50 Cr
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	1459.53	2.13%	1.45 Cr
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	1373.08	2.00%	1.38 Cr
Bond - Cholamandalam Investment & Finance Co. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA+	ICRA	1318.32	1.92%	1.30 Cr
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	1223.86	1.78%	1.25 Cr
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1217.25	1.77%	1.20 Cr
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	1157.02	1.68%	1.15 Cr
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1016.50	1.48%	1.00 Cr
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	1006.40	1.47%	1.00 Cr
Bond - Govt of India	GOI	Other			1003.67	1.46%	1.00 Cr
Bond - T-Bill	T-Bills	Other			979.66	1.43%	1.00 Cr
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	977.78	1.42%	1.00 Cr
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	964.14	1.40%	95.00 L
Bond - Govt of India	GOI	Other			894.74	1.30%	85.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	757.39	1.10%	75.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	756.87	1.10%	75.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	754.43	1.10%	75.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	752.92	1.10%	75.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	752.87	1.10%	75.00 L
Bond - T-Bill	T-Bills	Other			740.18	1.08%	75.00 L
Bond - Kotak Mahindra Prime Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	709.05	1.03%	75.00 L
Bond - Govt of India	GOI	Other			682.92	0.99%	65.00 L
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	653.02	0.95%	65.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	652.62	0.95%	65.00 L
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	508.11	0.74%	50.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	507.14	0.74%	50.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	505.68	0.74%	50.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	505.13	0.74%	50.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	503.71	0.73%	50.00 L
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	502.63	0.73%	50.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	499.98	0.73%	50.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	499.82	0.73%	50.00 L
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	492.55	0.72%	50.00 L
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	491.93	0.72%	50.00 L
Bond - Kotak Mahindra Prime Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	480.93	0.70%	50.00 L
Bond - Govt of India	GOI	Other			419.47	0.61%	40.00 L
Bond - Govt of India	GOI	Other			368.88	0.54%	35.00 L
Bond - Tata Capital Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	353.26	0.51%	35.00 L
Bond - Govt of India	GOI	Other			261.46	0.38%	25.00 L
Bond - Govt of India	GOI	Other			261.13	0.38%	25.00 L
Bond - Govt of India	GOI	Other			259.68	0.38%	25.00 L
Bond - Govt of India	GOI	Other			258.24	0.38%	25.00 L
Bond - Govt of India	GOI	Other			253.76	0.37%	25.00 L
Bond - Govt of India	GOI	Other			252.72	0.37%	25.00 L
Bond - Cholamandalam Investment & Finance Co. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA+	ICRA	254.43	0.37%	25.00 L
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	253.43	0.37%	25.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	253.36	0.37%	25.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	253.14	0.37%	25.00 L
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	253.05	0.37%	25.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	252.80	0.37%	25.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	252.02	0.37%	25.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	251.43	0.37%	25.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	250.89	0.37%	25.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	250.81	0.37%	25.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	250.04	0.36%	25.00 L
Bond - T-Bill	T-Bills	Other			245.65	0.36%	25.00 L
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	243.72	0.35%	25.00 L
Bond - Govt of India	GOI	Other			208.28	0.30%	20.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	199.72	0.29%	20.00 L
Bond - Govt of India	GOI	Other			178.51	0.26%	17.00 L
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	146.97	0.21%	15.00 L
Bond - Tata Capital Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	122.08	0.18%	12.00 L
Bond - Govt of India	GOI	Other			104.74	0.15%	10.00 L
Bond - Govt of India	GOI	Other			104.03	0.15%	10.00 L
Bond - Govt of India	GOI	Other			101.90	0.15%	10.00 L
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	98.07	0.14%	10.00 L
Bond - Govt of India	GOI	Other			71.79	0.10%	7.00 L
Bond - Govt of India	GOI	Other			52.34	0.08%	5.06 L
Bond - Govt of India	GOI	Other			52.17	0.08%	5.00 L
Bond - Govt of India	GOI	Other			52.04	0.08%	5.00 L
Bond - Govt of India	GOI	Other			45.19	0.07%	4.30 L
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	49.00	0.07%	5.00 L
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	50.02	0.07%	5.00 L
Bond - Govt of India	GOI	Other			15.78	0.02%	1.50 L
Bond - Govt of India	GOI	Other			10.32	0.02%	1.00 L
Bond - Govt of India	GOI	Other			0.02	0.00%	200.00