Bandhan Ultra Short 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 58 (Category Avg - 63.32) | Modified Duration 0.47 Years (Category Avg - 0.43)| Yield to Maturity 6.14% (Category Avg - 6.27%)

Portfolio Summary (as on 31st Jul,2025)

Security Type	% Weight	Category Average
GOI	5.16%	3.08%
CD	28.24%	36.03%
T-Bills	1.34%	7.24%
CP	9.02%	13.26%
NCD & Bonds	49.70%	34.14%
PTC	0.00%	0.78%

Category - Ultra Short Duration Fund

Security Type	% Weight	Category Average
Government Backed	6.50%	10.33%
Low Risk	86.96%	84.22%
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 - Ultra Short Duration Fund

Debt holding in Portfolio (as on 31st Jul,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	3866.42	8.88%	3.85 Cr
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	2658.80	6.11%	2.65 Cr
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	2220.81	5.10%	2.25 Cr
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	2167.26	4.98%	2.15 Cr
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	1507.39	3.46%	1.50 Cr
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1481.84	3.40%	1.50 Cr
Bond - Reliance Jio Infocomm Ltd.	CP	Telecom - equipment & accessories	P1+	CRISIL	1481.65	3.40%	1.50 Cr
Bond - Export Import Bank Of India	CP	Financial institution	P1+	CRISIL	1474.09	3.39%	1.50 Cr
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	1466.77	3.37%	1.50 Cr
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	1313.79	3.02%	1.31 Cr
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	1246.98	2.86%	1.25 Cr
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	1236.22	2.84%	1.25 Cr
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1222.61	2.81%	1.25 Cr
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1106.08	2.54%	1.10 Cr
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	974.70	2.24%	1.00 Cr
Bond - Tata Capital Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	806.86	1.85%	80.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	753.29	1.73%	75.00 L
Bond - Govt of India	GOI	Other			604.40	1.39%	60.00 L
Bond - T-Bill	T-Bills	Other			583.34	1.34%	58.39 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	556.43	1.28%	55.00 L
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	552.78	1.27%	55.00 L
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	508.82	1.17%	50.00 L
Bond - Govt of India	GOI	Other			508.40	1.17%	50.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	505.14	1.16%	50.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	504.79	1.16%	50.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	503.63	1.16%	50.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	503.11	1.16%	50.00 L
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	494.57	1.14%	50.00 L
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	494.49	1.14%	50.00 L
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	492.44	1.13%	50.00 L
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	491.79	1.13%	50.00 L
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	490.01	1.13%	50.00 L
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	489.90	1.13%	50.00 L
Bond - Export Import Bank Of India	CP	Financial institution	P1+	CRISIL	493.44	1.13%	50.00 L
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	487.04	1.12%	50.00 L
Bond - Cholamandalam Investment & Finance Co. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	480.80	1.10%	50.00 L
Bond - Sundaram Finance Limited	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	450.15	1.03%	45.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	304.05	0.70%	30.00 L
Bond - Govt of India	GOI	Other			257.10	0.59%	25.00 L
Bond - Govt of India	GOI	Other			256.29	0.59%	25.00 L
Bond - Govt of India	GOI	Other			254.91	0.59%	25.00 L
Bond - Cholamandalam Investment & Finance Co. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA+	ICRA	254.04	0.58%	25.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	252.13	0.58%	25.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	250.84	0.58%	25.00 L
Bond - Cholamandalam Investment & Finance Co. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA+	ICRA	250.68	0.58%	25.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	249.53	0.57%	25.00 L
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	243.36	0.56%	25.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	157.77	0.36%	15.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	151.50	0.35%	15.00 L
Bond - Govt of India	GOI	Other			152.85	0.35%	15.00 L
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	100.99	0.23%	10.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	50.81	0.12%	5.00 L
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	50.43	0.12%	5.00 L
Bond - Govt of India	GOI	Other			52.56	0.12%	5.00 L
Bond - Govt of India	GOI	Other			51.19	0.12%	5.00 L
Bond - Govt of India	GOI	Other			51.00	0.12%	5.00 L
Bond - Govt of India	GOI	Other			50.99	0.12%	5.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	50.01	0.11%	5.00 L

Name	Type of Instrument	Weight (%)
TREPS	TREPS	9.97%
Margin	Margin	0.01%
Net Receivables	Net Receivables	-3.44%

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hunch
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16 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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31 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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2 days ago

Maximise Your Portfolio with a High-Yield Secured Opportunity Electronica Finance Limited – 2029 Bonds are now listed on The Fixed Income. ✔️ Coupon: 13.00% p.a. ✔️ Rating: India Ratings A Stable ✔️ Tenor: 3 years 9 months (Maturity: Jun 28, 2029) ✔️ NBFC Bond | Senior Secured | High Return | Listed Step into a secured NBFC bond backed by strong ratings and double-digit returns, designed for investors aiming for growth with confidence. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dUJHdVpRPT0=/1300-electronica-finance-limited-2029?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Maximise Your Portfolio with a High-Yield Secured Opportunity Electronica Finance Limited – 2029 Bonds are now listed on The Fixed Income. ✔️ Coupon: 13.00% p.a. ✔️ Rating: India Ratings A Stable ✔️ Tenor: 3 years 9 months (Maturity: Jun 28, 2029) ✔️ NBFC Bond | Senior Secured | High Return | Listed Step into a secured NBFC bond backed by strong ratings and double-digit returns, designed for investors aiming for growth with confidence. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dUJHdVpRPT0=/1300-electronica-finance-limited-2029?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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sunny85deol
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81 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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82 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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88 days ago

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

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