Bandhan Equity Savings Fund - Direct Plan - IDCW - Quarterly

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 : Equity Savings

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

: ₹ 13.517 0.13%
(as on 17th October, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 354.94 Cr

(0.68% of Investment in Category)

Expense Ratio

: 0.19%

(0.66% Category average)

Risk-O-Meter

Low to Moderate Risk

Equity Savings :Equity Savings : The fund has 66.24% investment in domestic equities of which 51.21% is in Large Cap stocks, 5.29% is in Mid Cap stocks, 2.36% in Small Cap stocks.The fund has 24.06% investment in Debt, of which 14.05% in Government securities, 10.01% is in Low Risk securities.

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This Scheme

VS

CRISIL Equity Savings Index

1.02%

2.09%

5.51%

7.4%

10.67%

10.92%

6.86%
NA
0.69%

1.95%

5.51%

6.43%

11.3%

11.7%

8.88%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 17th October, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	10-Oct-25	10043.10	0.43%	-	0.50%	18/25
1 Month	17-Sep-25	10068.80	0.69%	-	0.69%	14/25
3 Month	17-Jul-25	10162.80	1.63%	-	1.95%	14/23
6 Month	17-Apr-25	10363.60	3.64%	-	5.51%	22/23
YTD	01-Jan-25	10598.40	5.98%	-	6.20%	12/22
1 Year	17-Oct-24	10665.50	6.65%	6.66%	6.43%	8/22
2 Year	17-Oct-23	11820.10	18.20%	8.71%	11.30%	21/22
3 Year	17-Oct-22	12926.90	29.27%	8.93%	11.43%	21/22
5 Year	16-Oct-20	15515.90	55.16%	9.17%	11.70%	21/22
Since Inception	15-Apr-19	16444.40	64.44%	7.94%	8.88%	20/23

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 17th October, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	17-Oct-24	12000	12480.06	4 %	7.48 %
2 Year	17-Oct-23	24000	25973.46	8.22 %	7.79 %
3 Year	17-Oct-22	36000	40945.06	13.74 %	8.53 %
5 Year	16-Oct-20	60000	73904.33	23.17 %	8.26 %

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 : 759.00% | Category average turnover ratio is 771.71%

Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)

Equity Holding : 66.24% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 66.24%

No of Stocks : 47 (Category Avg - 79.60) | Large Cap Investments : 51.21%| Mid Cap Investments : 5.29% | Small Cap Investments : 2.36% | Other : 7.38%

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	170.5	4.80%	0.72%	4.82% (Apr 2025)	2.72% (Nov 2024)	1.26 L	29.22 k
HDFC Bank Ltd.	Private sector bank	141.6	3.99%	-0.21%	4.2% (Aug 2025)	3.31% (Jan 2025)	1.49 L	1.61 k
Axis Bank Ltd.	Private sector bank	141.5	3.99%	0.07%	3.99% (Sep 2025)	2.73% (Oct 2024)	1.25 L	0.00
Reliance Industries Ltd.	Refineries & marketing	124.6	3.51%	-0.20%	4.48% (Apr 2025)	3.46% (Feb 2025)	91.33 k	184.00
State Bank Of India	Public sector bank	109.3	3.08%	0.07%	3.11% (Oct 2024)	0% (Oct 2024)	1.25 L	0.00
Kotak Mahindra Bank Ltd.	Private sector bank	104.3	2.94%	-0.11%	4.16% (Mar 2025)	2.94% (Sep 2025)	52.35 k	448.00
Maruti Suzuki India Ltd.	Passenger cars & utility vehicles	96.5	2.72%	0.08%	2.72% (Sep 2025)	2.13% (Jun 2025)	6.02 k	72.00
Larsen & Toubro Ltd.	Civil construction	95.6	2.69%	-0.11%	3.63% (Oct 2024)	2.69% (Sep 2025)	26.14 k	179.00
Pidilite Industries Ltd.	Specialty chemicals	92.7	2.61%	-0.26%	3.29% (Jan 2025)	2.29% (Dec 2024)	63.12 k	31.71 k
Multi Commodity Exchange Of India Ltd.	Exchange and data platform	83.8	2.36%	-0.02%	2.55% (Jul 2025)	0% (Oct 2024)	10.75 k	0.00

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

Detailed Portfolio Analysis

No of Debt Holding 12 (Category Avg - 16.92) | Modified Duration 2.49 Years (Category Avg - 2.51)| Yield to Maturity 6.60% (Category Avg - 6.43%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	14.05%	9.79%
CD	0.00%	0.78%
T-Bills	0.00%	0.65%
CP	0.00%	0.28%
NCD & Bonds	10.01%	7.85%
PTC	0.00%	0.18%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	14.05%	10.44%
Low Risk	10.01%	8.97%
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 (%)
MF Units	MF Units	7.57%
TREPS	TREPS	1.73%
Margin	Margin	0.72%
Cash and Bank	Cash and Bank	0.00%
Net Receivables	Net Receivables	-0.32%

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

1.94vs3.57

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

0.31vs0.5

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

0.9vs1

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

0.06vs0.08

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

0.46vs1.43

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Edelweiss Equity Savings Fund - Direct Plan - Growth	NA	946.86	0.88	2.67	6.72	9.10	12.87
LIC MF Equity Savings Fund - Direct Plan - Growth	NA	29.82	0.10	1.01	6.21	8.57	11.25
Aditya Birla Sun Life Equity Savings Fund - Direct Plan - Growth	NA	911.51	0.81	2.17	5.49	8.24	10.17
Mirae Asset Equity Savings Fund - Direct Plan - Growth	NA	1669.56	0.74	1.37	6.30	7.66	12.68
ICICI Prudential Equity Savings Fund - Direct Plan - Growth	NA	16487.15	0.57	1.52	4.76	7.45	9.67
Kotak Equity Savings Fund - Direct Plan - Growth	NA	8782.37	0.95	2.98	6.89	7.23	13.39
PGIM India Equity Savings Fund - Direct Plan - Growth	NA	70.80	0.78	1.75	3.83	6.79	8.27
Bandhan Equity Savings Fund - Direct Plan - Growth	NA	354.94	0.71	1.65	3.69	6.74	9.02
Tata Equity Savings Fund - Direct Plan - Growth	NA	270.01	0.54	1.32	3.90	6.67	10.97
Sundaram Equity Savings Fund - Direct Plan - Growth Accumulation Plan	NA	1152.68	0.86	1.72	5.89	6.64	13.50

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	0.73	1.18	3.28	8.23	7.86
Bandhan Small Cap Fund - Direct Plan - Growth	5	15737.73	-2.11	-3.01	12.29	-1.27	31.78
Bandhan Liquid Fund - Direct Plan - Growth	3	13140.66	0.48	1.42	3.01	6.78	7.08
Bandhan Banking and PSU Fund - Direct Plan - Growth	5	13081.90	0.66	1.23	3.19	7.90	7.64
Bandhan Money Market Fund - Direct Plan - Growth	3	12246.66	0.53	1.47	3.48	7.80	7.66
Bandhan Large & Mid Cap Fund - Direct Plan - Growth	4	10817.90	0.77	2.27	11.37	3.84	26.39
Bandhan Bond Fund - Short Term - Direct Plan - Growth	5	10673.19	0.73	1.21	3.38	8.49	8.17
Bandhan Value Fund - Direct Plan - Growth	2	9942.10	0.56	0.60	7.48	-1.21	19.43
Bandhan Arbitrage Fund - Direct Plan - Growth	4	8560.65	0.63	1.53	3.07	7.24	7.73
Bandhan Flexi Cap Fund - Direct Plan - Growth	3	7383.72	0.24	1.54	9.96	3.35	16.61