Bandhan Balanced Advantage Fund - Direct Plan - IDCW

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.

Category : Dynamic Asset Allocation or Balanced Advantage

Fund House : Bandhan Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 17.116 0.12%
(as on 17th October, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 2263.32 Cr

(0.75% of Investment in Category)

Expense Ratio

: 0.76%

(0.73% Category average)

Risk-O-Meter

Moderately High Risk

Dynamic Asset Allocation or Balanced Advantage :Dynamic Asset Allocation or Balanced Advantage : The fund has 80.9% investment in domestic equities of which 48.25% is in Large Cap stocks, 6.33% is in Mid Cap stocks, 5.62% in Small Cap stocks.The fund has 18.06% investment in Debt, of which 11.2% in Government securities, 6.86% is in Low Risk securities.

1M
3M
6M
1Y
2Y
5Y
ALL

This Scheme

VS

NIFTY 50 Hybrid Composite Debt 50:50 Index

0%

0%

0%

0%

0%

0%

18.09%
NA
0.72%

1.44%

6.74%

4.28%

14.11%

13.94%

11.65%

NA
Gold

Compare with

Date : -
NAV : -

1M
3M
6M
9M
1Y
2Y
3Y
5Y
ALL

Date : -
Investment : -
Value on selected date : -

Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

₹

Investment Date
Sell Date

Investment Value

-
Sell Value

-
Profit/Loss

-
Annualised Returns

-

Date : -
Investment : -
Value on selected date : -

Returns (NAV as on 16th October, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	09-Oct-25	10082.60	0.83%	-	0.97%	26/34
1 Month	16-Sep-25	10073.40	0.73%	-	0.80%	22/34
3 Month	16-Jul-25	10117.40	1.17%	-	1.11%	16/34
6 Month	16-Apr-25	10657.70	6.58%	-	7.43%	23/34
YTD	01-Jan-25	10431.20	4.31%	-	5.52%	27/33
1 Year	16-Oct-24	10459.90	4.60%	4.60%	3.44%	16/33
2 Year	16-Oct-23	12736.80	27.37%	12.84%	14.15%	21/28
3 Year	14-Oct-22	14273.80	42.74%	12.56%	14.20%	21/25
5 Year	16-Oct-20	17627.80	76.28%	12.00%	13.90%	13/18
10 Year	16-Oct-15	25973.80	159.74%	10.01%	11.03%	7/10
Since Inception	10-Oct-14	27967.00	179.67%	9.78%	11.65%	24/33

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 16th October, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	16-Oct-24	12000	12591	4.92 %	9.24 %
2 Year	16-Oct-23	24000	26547.18	10.61 %	10.01 %
3 Year	14-Oct-22	36000	43059.61	19.61 %	11.96 %
5 Year	16-Oct-20	60000	79504.68	32.51 %	11.19 %
10 Year	16-Oct-15	120000	211684.78	76.4 %	10.93 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.

Portfolio (Updated on 30th Sep,2025)

Portfolio Turnover Ratio : 474.00% | Category average turnover ratio is 346.43%

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 : 80.90% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 80.90%

No of Stocks : 121 (Category Avg - 74.50) | Large Cap Investments : 48.25%| Mid Cap Investments : 6.33% | Small Cap Investments : 5.62% | Other : 20.7%

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
Bajaj Finance Ltd.	Non banking financial company (nbfc)	1098.9	4.86%	0.46%	6.17% (Mar 2025)	3.99% (Apr 2025)	11.00 L	-0.37 L
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	1065.6	4.71%	0.32%	4.71% (Sep 2025)	2.72% (Oct 2024)	5.67 L	40.38 k
ICICI Bank Ltd.	Private sector bank	817	3.61%	-0.30%	4.19% (May 2025)	3.27% (Oct 2024)	6.06 L	-0.29 L
Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	719.1	3.18%	0.22%	3.18% (Sep 2025)	2.11% (Mar 2025)	2.10 L	-0.17 k
HDFC Bank Ltd.	Private sector bank	697.5	3.08%	-0.14%	4.81% (Oct 2024)	1.41% (Dec 2024)	7.33 L	-0.35 L
Reliance Industries Ltd.	Refineries & marketing	669.2	2.96%	-0.08%	3.31% (Jun 2025)	2.92% (Dec 2024)	4.91 L	-0.18 L
State Bank Of India	Public sector bank	624.1	2.76%	0.11%	4.17% (Nov 2024)	1.71% (Apr 2025)	7.15 L	-0.35 L
Kotak Mahindra Bank Ltd.	Private sector bank	621	2.74%	0.44%	2.74% (Sep 2025)	1.36% (Oct 2024)	3.12 L	45.57 k
Tata Consultancy Services Ltd.	Computers - software & consulting	503.2	2.22%	-0.21%	2.83% (May 2025)	2.22% (Sep 2025)	1.74 L	-4.11 k
Titan Company Ltd.	Gems, jewellery and watches	426.1	1.88%	0.64%	1.88% (Sep 2025)	0.63% (Nov 2024)	1.27 L	49.17 k

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 15 (Category Avg - 29.21) | Modified Duration 5.04 Years (Category Avg - 3.13)| Yield to Maturity 6.73% (Category Avg - 6.63%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	10.10%	8.68%
CD	1.71%	0.43%
T-Bills	1.10%	1.16%
CP	2.14%	0.30%
NCD & Bonds	3.01%	11.10%
PTC	0.00%	0.31%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	11.20%	9.84%
Low Risk	6.86%	11.16%
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	2.23%
Margin	Margin	0.00%
Net Receivables	Net Receivables	-1.19%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th September, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

5.83vs6.94

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

0.74vs0.87

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.74vs0.92

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.06vs0.07

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

0.06vs1.4

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Prudential Balanced Advantage Fund - Direct Plan - Growth	NA	66750.51	0.97	3.52	8.34	8.99	14.54
WhiteOak Capital Balanced Advantage Fund - Direct Plan - Growth	NA	1897.02	0.99	2.21	7.65	8.45	0.00
UTI Balanced Advantage Fund - Direct Plan - Growth	NA	3067.28	0.88	2.19	6.29	7.24	0.00
Mirae Asset Balanced Advantage Fund - Direct Plan - Growth	NA	1933.78	0.76	1.19	6.67	6.78	14.50
Aditya Birla Sun Life Balanced Advantage Fund - Direct Plan - Growth	NA	8370.71	0.60	1.10	7.34	6.77	14.84
DSP Dynamic Asset Allocation Fund - Direct Plan - Growth	NA	3532.22	0.81	1.79	5.48	6.75	13.62
PGIM India Balanced Advantage Fund - Direct Plan - Growth	NA	938.46	1.01	2.04	8.07	6.25	12.99
Helios Balanced Advantage Fund - Direct Plan - Growth	NA	301.30	2.32	2.94	7.89	6.25	0.00
Franklin India Balanced Advantage Fund - Direct Plan - Growth	NA	2779.25	0.74	1.32	5.85	6.22	15.45
Baroda BNP Paribas Balanced Advantage Fund - Direct - Growth	NA	4361.97	1.05	0.88	8.88	6.21	16.30

Detailed Comparison

More Funds from Bandhan Mutual Fund

Out of 71 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 46 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	15902.88	0.76	1.21	3.37	8.21	7.88
Bandhan Small Cap Fund - Direct Plan - Growth	5	15737.73	-1.23	-2.32	13.32	-2.35	31.96
Bandhan Liquid Fund - Direct Plan - Growth	3	13140.66	0.48	1.43	3.01	6.79	7.08
Bandhan Banking and PSU Fund - Direct Plan - Growth	5	13081.90	0.70	1.25	3.25	7.90	7.63
Bandhan Money Market Fund - Direct Plan - Growth	3	12246.66	0.55	1.48	3.50	7.81	7.66
Bandhan Large & Mid Cap Fund - Direct Plan - Growth	4	10817.90	1.22	2.65	12.76	2.66	26.85
Bandhan Bond Fund - Short Term - Direct Plan - Growth	5	10673.19	0.85	1.25	3.51	8.46	8.25
Bandhan Value Fund - Direct Plan - Growth	2	9942.10	0.80	0.54	8.77	-2.30	19.63
Bandhan Arbitrage Fund - Direct Plan - Growth	4	8560.65	0.59	1.43	3.06	7.21	7.70
Bandhan Flexi Cap Fund - Direct Plan - Growth	3	7383.72	0.42	1.16	11.45	1.89	16.73