Bandhan Financial Services Fund - Direct 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.

Category : Sectoral/Thematic

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

: ₹ 16.083 0.92%
(as on 17th November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 1104.52 Cr

(0.21% of Investment in Category)

Expense Ratio

: 0.61%

(0.88% Category average)

Risk-O-Meter

Very High Risk

Sectoral/Thematic :Sectoral/Thematic : The fund has 94.88% investment in domestic equities of which 35.06% is in Large Cap stocks, 12.72% is in Mid Cap stocks, 4.66% in Small Cap stocks.

Suitable For : Investors who have advanced knowledge of macro trends and prefer to take selective bets for higher returns compared to other Equity funds. At the same time, these investors should also be ready for possibility of moderate to high losses in their investments even though overall market is performing better.

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This Scheme

VS

Benchmark
Nifty Financial Services TRI

0.42%

5.04%

5.21%

20.16%

20.06%

15.38%

15.63%
NA
1.22%

5.29%

7.04%

9.18%

19.86%

22.07%

14.64%

NA
Gold

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VIP (Value Avg)

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Returns (NAV as on 17th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	10-Nov-25	10212.70	2.13%	-	1.06%	26/231
1 Month	17-Oct-25	10263.60	2.64%	-	2.14%	45/228
3 Month	14-Aug-25	10739.20	7.39%	-	4.73%	44/224
6 Month	16-May-25	10784.60	7.85%	-	8.05%	70/214
YTD	01-Jan-25	11346.00	13.46%	-	5.51%	33/200
1 Year	14-Nov-24	11705.20	17.05%	16.90%	8.71%	30/187
2 Year	17-Nov-23	15118.40	51.18%	22.92%	20.48%	35/143
Since Inception	28-Jul-23	16083.00	60.83%	22.84%	14.34%	24/199

Returns Calculator Detailed Returns Analysis

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

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	14-Nov-24	12000	13348.34	11.24 %	21.3 %
2 Year	17-Nov-23	24000	28746.97	19.78 %	18.37 %

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 31st Oct,2025)

Portfolio Turnover Ratio : 56.00% | Category average turnover ratio is 141.71%

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 : 94.88% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 94.88%

No of Stocks : 44 (Category Avg - 44.17) | Large Cap Investments : 35.06%| Mid Cap Investments : 12.72% | Small Cap Investments : 4.66% | Other : 42.44%

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
HDFC Bank Ltd.	Private sector bank	2187	19.80%	0.16%	20.1% (Aug 2025)	14.95% (Nov 2024)	22.15 L	33.71 k
ICICI Bank Ltd.	Private sector bank	1733.9	15.70%	1.93%	16.36% (Apr 2025)	13.77% (Sep 2025)	12.89 L	2.10 L
Axis Bank Ltd.	Private sector bank	588.5	5.33%	-1.27%	10.11% (Feb 2025)	5.33% (Oct 2025)	4.77 L	-1.39 L
Kotak Mahindra Bank Ltd.	Private sector bank	513.6	4.65%	0.42%	5.32% (Nov 2024)	3.75% (Jul 2025)	2.44 L	20.00 k
Bajaj Finance Ltd.	Non banking financial company (nbfc)	399.2	3.61%	-0.44%	4.39% (Mar 2025)	1.92% (Nov 2024)	3.83 L	-0.45 L
Max Financial Services Ltd.	Life insurance	272.7	2.47%	-0.50%	3.21% (Jun 2025)	1.06% (Nov 2024)	1.76 L	-0.23 L
One 97 Communications Ltd.	Financial technology (fintech)	267.7	2.42%	0.47%	2.42% (Oct 2025)	1.58% (Mar 2025)	2.05 L	22.25 k
State Bank Of India	Public sector bank	249.4	2.26%	-0.03%	2.29% (Sep 2025)	0% (Nov 2024)	2.66 L	-0.11 L
Cholamandalam Investment & Finance Co. Ltd.	Non banking financial company (nbfc)	228.2	2.07%	-1.73%	3.95% (Feb 2025)	2.07% (Oct 2025)	1.34 L	-1.15 L
PB Fintech Ltd.	Financial technology (fintech)	219	1.98%	-0.07%	3% (Dec 2024)	1.92% (Jun 2025)	1.23 L	-4.53 k

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

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	3.69%
Net Receivables	Net Receivables	1.22%
Margin	Margin	0.20%
Cash and Bank	Cash and Bank	0.01%

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
Nippon India Taiwan Equity Fund - Direct Plan - Growth	NA	421.51	2.75	14.90	45.71	45.35	37.04
Aditya Birla Sun Life International Equity Fund - Direct Plan - Growth	NA	273.51	0.99	2.73	14.92	29.78	15.95
Quant BFSI Fund - Direct Plan - Growth	NA	680.73	4.59	10.15	19.63	27.32	0.00
Franklin Asian Equity Fund - Direct - Growth	NA	297.12	1.74	8.55	17.85	24.60	13.66
HDFC Transportation and Logistics Fund - Direct Plan - Growth	NA	1733.63	-0.66	10.43	19.32	24.58	0.00
ITI Banking and Financial Services Fund - Direct Plan - Growth	NA	333.18	3.84	9.67	9.60	24.09	15.83
SBI Banking & Financial Services Fund - Direct Plan - Growth	NA	9273.44	3.03	7.61	12.01	23.52	21.10
DSP Banking & Financial Services Fund - Direct Plan - Growth	NA	1518.73	1.60	8.54	8.13	23.39	0.00
HDFC Defence Fund - Direct Plan - Growth	NA	7556.72	0.54	6.08	5.62	23.22	0.00
Nippon India Japan Equity Fund - Direct Plan - Growth	NA	292.35	2.30	3.80	13.49	23.18	17.98

Detailed Comparison

More Funds from Bandhan Mutual Fund

Out of 71 mutual fund schemes offered by this AMC, 7 is/are ranked 5 * , 5 is/are ranked 4 * , 7 is/are ranked 3 * , 6 is/are ranked 2 * , 1 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 Liquid Fund - Direct Plan - Growth	4	18114.52	0.49	1.46	3.01	6.70	7.06
Bandhan Small Cap Fund - Direct Plan - Growth	5	17380.29	3.11	5.01	10.86	8.48	32.98
Bandhan Corporate Bond Fund - Direct Plan - Growth	5	15704.65	0.49	1.52	2.93	8.30	7.77
Bandhan Money Market Fund - Direct Plan - Growth	1	14372.30	0.51	1.53	3.41	7.72	7.65
Bandhan Banking and PSU Fund - Direct Plan - Growth	5	12963.49	0.45	1.48	2.86	7.95	7.59
Bandhan Large & Mid Cap Fund - Direct Plan - Growth	5	11799.16	3.85	6.82	10.80	13.45	25.17
Bandhan Bond Fund - Short Term - Direct Plan - Growth	5	10766.48	0.43	1.51	3.04	8.57	8.02
Bandhan Value Fund - Direct Plan - Growth	2	10302.01	2.80	4.93	5.15	6.37	19.03
Bandhan Arbitrage Fund - Direct Plan - Growth	4	8747.55	0.52	1.44	3.16	6.98	7.81
Bandhan Flexi Cap Fund - Direct Plan - Growth	3	7645.00	2.97	4.33	6.89	11.09	16.27