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Bandhan Retirement Fund - Direct Plan - Growth

  • Regular
  • Direct
Category : Retirement Fund
Fund House : Bandhan Mutual Fund
  • NAV
    : ₹ 13.126 -0.17%
    (as on 19th September, 2025)
Crisil Rating

Not Rated

Rank not available for the fund
Fund Size
: ₹ 180.6 Cr
(0.58% of Investment in Category)
 Expense Ratio
: 0.7%
(0.95% Category average)
Risk-O-Meter
High Risk

The fund has 76.24% investment in domestic equities of which 51.73% is in Large Cap stocks, 7.17% is in Mid Cap stocks, 3.27% in Small Cap stocks.The fund has 22.09% investment in Debt, of which 22.09% in Government securities.

This Scheme
VS
  • CRISIL Hybrid 50+50 - Moderate Index
  • NA
  • NA
  • Gold
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Returns (NAV as on 19th September, 2025)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 12-Sep-25 10075.20 0.75% - 1.26% 17/29
1 Month 19-Aug-25 10151.60 1.52% - 1.74% 10/29
3 Month 19-Jun-25 10319.20 3.19% - 2.29% 11/29
6 Month 19-Mar-25 10906.50 9.07% - 10.80% 17/29
YTD 01-Jan-25 10614.60 6.15% - 5.35% 7/29
1 Year 19-Sep-24 10355.80 3.56% 3.56% 3.30% 14/29
Since Inception 12-Oct-23 13126.00 31.26% 15.05% 13.19% 11/29
Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 19th September, 2025)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 19-Sep-24 12000 12640.09 5.33 % 10 %
SIP Calculator Detailed Returns Analysis
 

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 31st Aug,2025)

Portfolio Turnover Ratio : 220.00%  |   Category average turnover ratio is 47.53%  
Fund manager updated portfolio more frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for shorter duration than peers)
Equity Holding : 76.24% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 76.24%
No of Stocks : 57 (Category Avg - 54.28) | Large Cap Investments : 51.73%| Mid Cap Investments : 7.17% | Small Cap Investments : 3.27% | Other : 14.07%

Top 10 Stocks in Portfolio

How to read this table?
Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
ICICI Bank Ltd. Private sector bank 115.9 6.42% 0.93% 6.42% (Aug 2025) 4.8% (Sep 2024) 82.90 k 15.64 k
Bharti Airtel Ltd. Telecom - cellular & fixed line services 103.3 5.72% -0.05% 5.96% (Jun 2025) 4.98% (Dec 2024) 54.68 k 0.00
Reliance Industries Ltd. Refineries & marketing 98.1 5.43% -0.11% 5.99% (Sep 2024) 5.04% (Dec 2024) 72.31 k 0.00
Kotak Mahindra Bank Ltd. Private sector bank 63.9 3.54% 1.62% 3.54% (Aug 2025) 1.76% (Oct 2024) 32.60 k 15.00 k
Larsen & Toubro Ltd. Civil construction 61.7 3.42% -0.01% 3.68% (Nov 2024) 3.24% (Apr 2025) 17.13 k 0.00
HDFC Bank Ltd. Private sector bank 59.1 3.27% -0.18% 3.45% (Jul 2025) 3.01% (Sep 2024) 62.09 k 31.04 k
Tata Consultancy Services Ltd. Computers - software & consulting 54.1 2.99% 1.73% 2.99% (Aug 2025) 1.26% (Jul 2025) 17.53 k 10.00 k
Titan Company Ltd. Gems, jewellery and watches 50.5 2.80% 0.23% 2.98% (Sep 2024) 2.48% (Mar 2025) 13.92 k 0.00
Infosys Ltd. Computers - software & consulting 41.9 2.32% 0.78% 2.32% (Aug 2025) 1.54% (Jul 2025) 28.50 k 9.99 k
Maruti Suzuki India Ltd. Passenger cars & utility vehicles 35.5 1.97% 0.30% 1.97% (Aug 2025) 1.5% (Dec 2024) 2.40 k 0.00
- indicates change in weight in the portfolio. # indicates a new entry.
Detailed Portfolio Analysis
No of Debt Holding 1 (Category Avg - 8.31) | Modified Duration 10.13 Years (Category Avg - 5.44)| Yield to Maturity 7.16% (Category Avg - 6.72%)

Type of Holdings

Security Type
% Weight
Category Average
GOI 22.09% 23.58%
T-Bills 0.00% 0.00%
NCD & Bonds 0.00% 9.01%
PTC 0.00% 0.20%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 22.09% 23.59%
Low Risk 0.00% 0.00%
Moderate Risk 0.00% 0.00%
High Risk 0.00% 0.00%
Very High Risk 0.00% 0.00%
Others 0.00% 0.00%
Detailed Portfolio Analysis
Name Type of Instrument Weight (%)
TREPS TREPS 2.33%
Margin Margin 1.11%
Net Receivables Net Receivables 0.20%
Cash and Bank Cash and Bank 0.03%
Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 01st January, 1970)

    No data available. Ratios are only available for the funds which are 3 years old.

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
ICICI Prudential Retirement Fund - Pure Equity Plan - Direct Plan - Growth NA 1332.57 1.69 5.64 19.62 8.36 25.29
ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan - Growth NA 82.28 1.10 3.17 7.90 7.85 11.95
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan - Direct Plan - Growth NA 915.91 2.15 6.21 16.80 7.41 21.94
ICICI Prudential Retirement Fund - Pure Debt Plan - Direct Plan - Growth NA 99.57 0.61 0.94 3.56 7.27 7.39
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan - Direct - Growth NA 17.26 0.60 0.80 3.15 6.32 6.70
Aditya Birla Sun Life Retirement Fund - The 50s Plan - Direct - Growth NA 26.38 0.87 2.25 6.40 5.84 9.85
Aditya Birla Sun Life Retirement Fund - The 40s Plan - Direct - Growth NA 114.25 1.29 3.11 11.76 4.52 14.79
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Direct Plan- Growth NA 159.59 0.58 1.14 5.27 4.47 10.01
SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - Growth NA 174.53 0.71 0.43 4.42 4.42 9.01
Franklin India Retirement Fund - Direct - Growth NA 513.36 0.48 1.33 6.72 4.30 11.49

More Funds from Bandhan Mutual Fund

Out of 70 mutual fund schemes offered by this AMC, 6 is/are ranked 5 * , 5 is/are ranked 4 * , 7 is/are ranked 3 * , 5 is/are ranked 2 * , 2 is/are ranked 1 * , and 45 schemes are not ranked. See more about AMC

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Bandhan Corporate Bond Fund - Direct Plan - Growth 5 15929.16 0.52 1.08 4.42 8.20 7.62
Bandhan Small Cap Fund - Direct Plan - Growth 5 14561.74 3.57 5.55 19.64 1.70 31.68
Bandhan Liquid Fund - Direct Plan - Growth 3 13676.98 0.48 1.44 3.28 6.91 7.07
Bandhan Banking and PSU Fund - Direct Plan - Growth 5 13253.26 0.53 1.16 4.20 7.88 7.50
Bandhan Money Market Fund - Direct Plan - Growth 3 12728.29 0.48 1.55 4.13 7.96 7.60
Bandhan Bond Fund - Short Term - Direct Plan - Growth 5 10760.74 0.62 1.18 4.52 8.41 7.99
Bandhan Large & Mid Cap Fund - Direct Plan - Growth 4 10230.74 2.05 6.08 15.30 1.28 25.61
Bandhan Value Fund - Direct Plan - Growth 2 9840.60 1.58 2.59 10.54 -3.46 18.95
Bandhan Arbitrage Fund - Direct Plan - Growth 4 8369.22 0.40 1.37 3.40 7.24 7.67
Bandhan Flexi Cap Fund - Direct Plan - Growth 3 7364.66 1.29 3.56 14.50 0.21 16.05
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