Bandhan Retirement 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 : Retirement Fund

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

: ₹ 13.19 0.04%
(as on 17th October, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 182.16 Cr

(0.58% of Investment in Category)

Expense Ratio

: 0.7%

(0.95% Category average)

Risk-O-Meter

High Risk

Retirement Fund :Retirement Fund : The fund has 73.84% investment in domestic equities of which 51.16% is in Large Cap stocks, 5.84% is in Mid Cap stocks, 3.28% in Small Cap stocks.The fund has 22.2% investment in Debt, of which 22.2% in Government securities.

1M
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This Scheme

VS

CRISIL Hybrid 50+50 - Moderate Index

0.95%

1.4%

5.67%

5.26%

12.99%

13.14%

9.78%
NA
0.61%

1.15%

7.51%

4.41%

14.46%

14.76%

12.9%

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	10072.50	0.73%	-	0.76%	14/29
1 Month	17-Sep-25	10054.10	0.54%	-	0.61%	17/29
3 Month	17-Jul-25	10210.60	2.11%	-	1.15%	5/29
6 Month	17-Apr-25	10687.10	6.87%	-	7.51%	17/29
YTD	01-Jan-25	10669.80	6.70%	-	5.87%	6/29
1 Year	17-Oct-24	10538.50	5.38%	5.39%	4.41%	8/29
2 Year	12-Oct-23	13190.00	31.90%	14.72%	14.46%	12/27
Since Inception	12-Oct-23	13190.00	31.90%	14.72%	12.90%	11/30

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	12692.81	5.77 %	10.85 %
2 Year	12-Oct-23	24000	26698.42	11.24 %	10.59 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 30th Sep,2025)

Portfolio Turnover Ratio : 213.00% | Category average turnover ratio is 42.90%

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 : 73.84% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 73.84%

No of Stocks : 55 (Category Avg - 53.59) | Large Cap Investments : 51.16%| Mid Cap Investments : 5.84% | Small Cap Investments : 3.28% | Other : 13.56%

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
ICICI Bank Ltd.	Private sector bank	111.8	6.13%	-0.29%	6.42% (Aug 2025)	4.89% (Feb 2025)	82.90 k
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	102.7	5.64%	-0.08%	5.96% (Jun 2025)	4.98% (Dec 2024)	54.68 k
Reliance Industries Ltd.	Refineries & marketing	98.6	5.41%	-0.02%	5.88% (Jun 2025)	5.04% (Dec 2024)	72.31 k
Kotak Mahindra Bank Ltd.	Private sector bank	65	3.57%	0.03%	3.57% (Sep 2025)	1.76% (Oct 2024)	32.60 k
Larsen & Toubro Ltd.	Civil construction	62.7	3.44%	0.02%	3.68% (Nov 2024)	3.24% (Apr 2025)	17.13 k
HDFC Bank Ltd.	Private sector bank	59.1	3.24%	-0.03%	3.45% (Jul 2025)	3.08% (Jan 2025)	62.09 k
Tata Consultancy Services Ltd.	Computers - software & consulting	50.6	2.78%	-0.21%	2.99% (Aug 2025)	1.26% (Jul 2025)	17.53 k
Titan Company Ltd.	Gems, jewellery and watches	46.9	2.57%	-0.23%	2.84% (Jan 2025)	2.48% (Mar 2025)	13.92 k
Infosys Ltd.	Computers - software & consulting	41.1	2.26%	-0.06%	2.32% (Aug 2025)	1.54% (Jul 2025)	28.50 k
Maruti Suzuki India Ltd.	Passenger cars & utility vehicles	38.5	2.11%	0.14%	2.11% (Sep 2025)	1.5% (Dec 2024)	2.40 k

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

Detailed Portfolio Analysis

No of Debt Holding 1 (Category Avg - 8.55) | Modified Duration 10.10 Years (Category Avg - 5.49)| Yield to Maturity 7.05% (Category Avg - 6.70%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	22.20%	23.75%
T-Bills	0.00%	0.00%
NCD & Bonds	0.00%	9.04%
PTC	0.00%	0.34%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	22.20%	23.76%
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	2.56%
Margin	Margin	1.10%
Net Receivables	Net Receivables	0.29%
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
ICICI Prudential Retirement Fund - Pure Equity Plan - Direct Plan - Growth	NA	1410.05	1.23	1.95	17.85	9.48	27.22
ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Direct Plan - Growth	NA	83.12	0.80	2.20	7.33	8.36	12.59
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan - Direct Plan - Growth	NA	937.42	1.05	2.41	15.65	8.19	23.51
ICICI Prudential Retirement Fund - Pure Debt Plan - Direct Plan - Growth	NA	98.13	0.74	1.03	2.58	7.45	7.60
Aditya Birla Sun Life Retirement Fund - The 40s Plan - Direct - Growth	NA	113.45	1.70	2.36	9.46	7.31	16.08
Aditya Birla Sun Life Retirement Fund - The 50s Plan - Direct - Growth	NA	26.37	1.01	1.87	4.87	6.74	10.30
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan - Direct - Growth	NA	17.09	0.62	1.03	2.35	6.42	6.97
Bandhan Retirement Fund - Direct Plan - Growth	NA	182.16	0.54	2.11	6.88	5.41	0.00
PGIM India Retirement Fund - Direct Plan - Growth	NA	91.92	-0.24	0.40	10.24	5.35	0.00
Franklin India Retirement Fund - Direct - Growth	NA	513.48	0.69	0.95	4.85	5.25	11.92

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

All funds

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NITINPIMPALE
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10 days ago

purchase unit will adjust difference in NAV 10.263 View more

Posted by : NITINPIMPALE
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  purchase unit will adjust difference in NAV 10.263
  
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krishna_ksvs
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22 days ago

View more

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The Fixed Income
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2 days ago

Invest in Stability with Long-Term Growth! 9.41% INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 2037 ✔️ Coupon: 9.41% ✔️ Rating: CARE AAA Stable ✔️ Tenor: 11y 9m (Maturity: 27/Jul/2037) Secured Bond | PSU Bond | High Return Bond | Listed Enjoy a secure, government-backed investment with steady returns over the long term. ???? Explore on The Fixed Income :https://www.thefixedincome.com/product/dUJHdFp3PT0=/941-india-infrastructure-finance-company-limited-2037?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

Posted by : The Fixed Income
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  Invest in Stability with Long-Term Growth! 9.41% INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 2037 ✔️ Coupon: 9.41% ✔️ Rating: CARE AAA Stable ✔️ Tenor: 11y 9m (Maturity: 27/Jul/2037) Secured Bond | PSU Bond | High Return Bond | Listed Enjoy a secure, government-backed investment with steady returns over the long term. ???? Explore on The Fixed Income :https://www.thefixedincome.com/product/dUJHdFp3PT0=/941-india-infrastructure-finance-company-limited-2037?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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shravanashok
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72 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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  need your suggestion for sbi psu fund direct growth stay or switch
  
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ravisistla
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85 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

Posted by : ravisistla
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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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122 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

Posted by : sunny85deol
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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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