Bandhan Ultra Short Duration Fund - Regular Plan - IDCW - Monthly

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 60 (Category Avg - 63.84) | Modified Duration 0.45 Years (Category Avg - 0.42)| Yield to Maturity 6.29% (Category Avg - 6.45%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	4.62%	3.13%
CD	20.27%	33.23%
T-Bills	7.75%	7.37%
CP	5.06%	9.20%
NCD & Bonds	58.56%	39.42%
PTC	0.00%	1.02%

Category - Ultra Short Duration Fund

Security Type	% Weight	Category Average
Government Backed	12.37%	10.50%
Low Risk	83.89%	82.86%
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 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	3056.29	6.87%	3.05 Cr
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	2756.73	6.19%	2.75 Cr
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	2662.30	5.98%	2.65 Cr
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	2175.74	4.89%	2.25 Cr
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	2150.89	4.83%	2.15 Cr
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1814.88	4.08%	1.80 Cr
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	1503.75	3.38%	1.50 Cr
Bond - T-Bill	T-Bills	Other			1478.75	3.32%	1.50 Cr
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	1458.36	3.28%	1.45 Cr
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	1453.22	3.26%	1.50 Cr
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	1373.08	3.08%	1.38 Cr
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1226.26	2.75%	1.25 Cr
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1007.94	2.26%	1.00 Cr
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1003.89	2.25%	1.00 Cr
Bond - Govt of India	GOI	Other			1003.67	2.25%	1.00 Cr
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	984.55	2.21%	1.00 Cr
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	983.62	2.21%	1.00 Cr
Bond - Kotak Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	985.04	2.21%	1.00 Cr
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	787.09	1.77%	80.00 L
Bond - T-Bill	T-Bills	Other			740.18	1.66%	75.00 L
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	738.05	1.66%	75.00 L
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	733.33	1.65%	75.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	704.25	1.58%	70.00 L
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	551.12	1.24%	55.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	508.25	1.14%	50.00 L
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	507.44	1.14%	50.00 L
Bond - Tata Capital Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	505.93	1.14%	50.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	501.91	1.13%	50.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	501.43	1.13%	50.00 L
Bond - Govt of India	GOI	Other			505.23	1.13%	50.00 L
Bond - T-Bill	T-Bills	Other			496.54	1.12%	50.00 L
Bond - T-Bill	T-Bills	Other			489.82	1.10%	50.00 L
Bond - Kotak Mahindra Prime Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	480.93	1.08%	50.00 L
Bond - Kotak Mahindra Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	400.65	0.90%	40.00 L
Bond - Cholamandalam Investment & Finance Co. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA+	ICRA	354.56	0.80%	35.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	352.13	0.79%	35.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	305.79	0.69%	30.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	272.51	0.61%	27.00 L
Bond - Cholamandalam Investment & Finance Co. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA+	ICRA	253.52	0.57%	25.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	252.56	0.57%	25.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	252.30	0.57%	25.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	251.31	0.56%	25.00 L
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	250.89	0.56%	25.00 L
Bond - T-Bill	T-Bills	Other			245.65	0.55%	25.00 L
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	245.17	0.55%	25.00 L
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	244.43	0.55%	25.00 L
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	240.79	0.54%	25.00 L
Bond - Govt of India	GOI	Other			202.17	0.45%	20.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	199.72	0.45%	20.00 L
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	100.56	0.23%	10.00 L
Bond - Tata Capital Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	100.41	0.23%	10.00 L
Bond - Govt of India	GOI	Other			100.17	0.23%	10.00 L
Bond - Govt of India	GOI	Other			52.11	0.12%	5.00 L
Bond - Govt of India	GOI	Other			50.97	0.11%	5.00 L
Bond - Govt of India	GOI	Other			50.82	0.11%	5.00 L
Bond - Govt of India	GOI	Other			50.81	0.11%	5.00 L
Bond - Govt of India	GOI	Other			50.52	0.11%	5.00 L
Bond - Tata Capital Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	50.80	0.11%	5.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	50.72	0.11%	5.00 L
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	50.32	0.11%	5.00 L