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Bandhan Retirement Fund - Direct Plan - Growth

  • Regular
  • Direct
Category : Retirement Fund
Fund House : Bandhan Mutual Fund
  • NAV
    : ₹ 13.038 0.08%
    (as on 15th September, 2025)
Crisil Rating

Not Rated

Rank not available for the fund
Fund Size
: ₹ 180.6 Cr
(0.58% of Investment in Category)
 Expense Ratio
: 0.7%
(0.96% Category average)
Risk-O-Meter
High Risk

The fund has 76.24% investment in domestic equities of which 51.73% is in Large Cap stocks, 7.17% is in Mid Cap stocks, 3.27% in Small Cap stocks.The fund has 22.09% investment in Debt, of which 22.09% in Government securities.

This Scheme
VS
  • CRISIL Hybrid 50+50 - Moderate Index
  • NA
  • NA
  • Gold
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Returns (NAV as on 15th September, 2025)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 08-Sep-25 10095.20 0.95% - 0.83% 14/29
1 Month 14-Aug-25 10180.40 1.80% - 1.42% 12/29
3 Month 13-Jun-25 10220.30 2.20% - 1.56% 8/29
6 Month 13-Mar-25 11047.30 10.47% - 11.52% 17/29
YTD 01-Jan-25 10543.40 5.43% - 4.39% 6/29
1 Year 13-Sep-24 10294.50 2.94% 2.93% 2.40% 14/29
Since Inception 12-Oct-23 13038.00 30.38% 14.74% 12.98% 11/29
Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 15th September, 2025)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 13-Sep-24 12000 12577.1 4.81 % 9.01 %
SIP Calculator Detailed Returns Analysis
 

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 31st Aug,2025)

Portfolio Turnover Ratio : 220.00%  |   Category average turnover ratio is 32.89%  
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 : 76.24% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 76.24%
No of Stocks : 57 (Category Avg - 54.28) | Large Cap Investments : 51.73%| Mid Cap Investments : 7.17% | Small Cap Investments : 3.27% | Other : 14.07%

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 115.9 6.42% 0.93% 6.42% (Aug 2025) 4.8% (Sep 2024) 82.90 k 15.64 k
Bharti Airtel Ltd. Telecom - cellular & fixed line services 103.3 5.72% -0.05% 5.96% (Jun 2025) 4.98% (Dec 2024) 54.68 k 0.00
Reliance Industries Ltd. Refineries & marketing 98.1 5.43% -0.11% 5.99% (Sep 2024) 5.04% (Dec 2024) 72.31 k 0.00
Kotak Mahindra Bank Ltd. Private sector bank 63.9 3.54% 1.62% 3.54% (Aug 2025) 1.76% (Oct 2024) 32.60 k 15.00 k
Larsen & Toubro Ltd. Civil construction 61.7 3.42% -0.01% 3.68% (Nov 2024) 3.24% (Apr 2025) 17.13 k 0.00
HDFC Bank Ltd. Private sector bank 59.1 3.27% -0.18% 3.45% (Jul 2025) 3.01% (Sep 2024) 62.09 k 31.04 k
Tata Consultancy Services Ltd. Computers - software & consulting 54.1 2.99% 1.73% 2.99% (Aug 2025) 1.26% (Jul 2025) 17.53 k 10.00 k
Titan Company Ltd. Gems, jewellery and watches 50.5 2.80% 0.23% 2.98% (Sep 2024) 2.48% (Mar 2025) 13.92 k 0.00
Infosys Ltd. Computers - software & consulting 41.9 2.32% 0.78% 2.32% (Aug 2025) 1.54% (Jul 2025) 28.50 k 9.99 k
Maruti Suzuki India Ltd. Passenger cars & utility vehicles 35.5 1.97% 0.30% 1.97% (Aug 2025) 1.5% (Dec 2024) 2.40 k 0.00
- indicates change in weight in the portfolio. # indicates a new entry.
Detailed Portfolio Analysis
No of Debt Holding 1 (Category Avg - 8.31) | Modified Duration 10.13 Years (Category Avg - 5.40)| Yield to Maturity 7.16% (Category Avg - 6.66%)

Type of Holdings

Security Type
% Weight
Category Average
GOI 22.09% 23.58%
T-Bills 0.00% 0.00%
NCD & Bonds 0.00% 9.01%
PTC 0.00% 0.20%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 22.09% 23.59%
Low Risk 0.00% 0.00%
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 2.33%
Margin Margin 1.11%
Net Receivables Net Receivables 0.20%
Cash and Bank Cash and Bank 0.03%
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
ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan - Growth NA 82.28 1.37 2.75 8.86 7.36 11.56
ICICI Prudential Retirement Fund - Pure Debt Plan - Direct Plan - Growth NA 99.57 0.26 0.88 3.69 7.27 7.32
ICICI Prudential Retirement Fund - Pure Equity Plan - Direct Plan - Growth NA 1332.57 2.69 3.80 23.60 6.42 24.22
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan - Direct - Growth NA 17.26 0.28 0.64 3.21 6.35 6.59
Aditya Birla Sun Life Retirement Fund - The 50s Plan - Direct - Growth NA 26.38 0.91 1.86 7.06 5.72 9.57
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan - Direct Plan - Growth NA 915.91 3.05 4.23 19.80 5.10 20.97
Aditya Birla Sun Life Retirement Fund - The 40s Plan - Direct - Growth NA 114.25 2.24 2.13 13.80 4.24 14.14
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Direct Plan- Growth NA 159.59 0.42 0.69 5.73 4.19 9.70
Nippon India Retirement Fund - Income Generation Scheme - Direct Plan - Growth NA 150.54 0.04 0.30 5.08 4.04 9.38
SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - Growth NA 174.53 0.03 -0.26 4.70 3.94 8.60

More Funds from Bandhan Mutual Fund

Out of 70 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 45 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 15929.16 0.34 1.13 4.56 8.29 7.58
Bandhan Small Cap Fund - Direct Plan - Growth 5 14561.74 3.93 1.88 23.40 -0.51 30.01
Bandhan Liquid Fund - Direct Plan - Growth 3 13676.98 0.46 1.43 3.28 6.92 7.07
Bandhan Banking and PSU Fund - Direct Plan - Growth 5 13253.26 0.37 1.14 4.31 7.93 7.48
Bandhan Money Market Fund - Direct Plan - Growth 3 12728.29 0.47 1.56 4.18 7.94 7.58
Bandhan Bond Fund - Short Term - Direct Plan - Growth 5 10760.74 0.22 1.02 4.48 8.32 7.88
Bandhan Large & Mid Cap Fund - Direct Plan - Growth 4 10230.74 3.02 3.69 18.82 -0.51 24.31
Bandhan Value Fund - Direct Plan - Growth 2 9840.60 2.09 1.11 12.72 -4.66 17.60
Bandhan Arbitrage Fund - Direct Plan - Growth 4 8369.22 0.32 1.35 3.34 7.14 7.69
Bandhan Flexi Cap Fund - Direct Plan - Growth 3 7364.66 1.71 2.49 16.35 -0.69 14.84
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