Bandhan 10 year Constant Maturity Gilt Fund
Bandhan Mutual Fund · Gilt 10Y Constant · Direct plan, growth option
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -1.2% | -1.1% |
| 3 months | -1.1% | -1.2% |
| 6 months | 3.3% | 2.5% |
| Year to date | 2.4% | 1.5% |
| 1 year | 3.5% | 2.5% |
| 3 years (CAGR) | 7.4% | 6.7% |
| 5 years (CAGR) | 5.7% | 5.6% |
| 7 years (CAGR) | 6.4% | 6.3% |
| 10 years (CAGR) | 7.8% | 7.4% |
| Since first NAV (CAGR) | 8.6% | – |
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 9.3% | 8.3% |
| 3Y rolling median | 9.0% | 8.2% |
| 3Y rolling worst | 2.8% | 3.4% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 8.8% | 8.1% |
| 5Y rolling worst | 5.4% | 5.5% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 3.3% | 3.1% |
| Sharpe ratio | 0.31 | 0.10 |
| Sortino ratio | 0.43 | 0.13 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −5.0% | −4.7% |
| Maximum drawdown, last 10Y | −5.0% | −4.8% |
| Maximum drawdown, last 5Y | −4.8% | −4.7% |
| Current drawdown | −2.1% | −2.1% |
| Recovery time of worst fall | 164 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
This scheme invests mainly in the markets below, which are also close to how many of them are benchmarked. Where those markets stand today:
- 1Y +2.2% · 3Y +6.3% p.a. · 5Y +5.2% p.a. (index fund NAV, after costs)
- −2.2% from its 52-week high (proxy NAV)
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
The Regular plan's expense ratio is 0.48% a year and the Direct plan's 0.26%, a gap of 0.22%; over the last 3 years the Direct plan returned 0.24 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹5,82,699.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
| Fund manager | Role | Managing since |
|---|---|---|
| Harshal Joshi | Primary | 15 May 2017 |
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 0.26% | 0.31% |
| AUM, whole scheme (₹ crore) | 285 | 285 |
| Riskometer | Moderate | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 4.2% | 1.3% TRI |
| Return, 3 years (AMFI) | 7.4% | 6.2% TRI |
| Return, 5 years (AMFI) | 5.7% | 4.9% TRI |
| Month-ends above category median (3Y CAGR) | 100% | 0% median |
| Month-ends in category top quartile (3Y) | 100% | 0% median |
| 7Y rolling CAGR, median (monthly windows) | 8.5% | 8.2% median |
Official benchmark: CRISIL 10 Year Gilt Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Gilt 10Y Constant Direct plans; how it is calculated.
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 2.4% | n/a | – |
| 2025 | 7.7% | n/a | – |
| 2024 | 9.9% | n/a | – |
| 2023 | 7.6% | n/a | – |
| 2022 | 0.9% | n/a | – |
| 2021 | 1.9% | n/a | – |
| 2020 | 13.4% | n/a | – |
| 2019 | 14.3% | n/a | – |
| 2018 | 11.8% | n/a | – |
| 2017 | 6.4% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,21,965 | 3.0% |
| 3 years | ₹3,60,000 | ₹3,93,530 | 5.9% |
| 5 years | ₹6,00,000 | ₹7,07,230 | 6.5% |
| 10 years | ₹12,00,000 | ₹17,23,773 | 7.0% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| SBI 10 YEAR CONSTANT MATURITY GILT FUND | Gilt 10Y Constant | 0.99 | 6.7% |
| ICICI Prudential 10 year Constant Maturity Gilt Fund | Gilt 10Y Constant | 0.99 | 7.0% |
| UTI 10 year Constant Maturity Gilt Fund | Gilt 10Y Constant | 0.99 | 6.7% |
| HDFC Nifty G-Sec Jun 2036 Index Fund | Debt Index Fund | 0.99 | 7.2% |
| SBI CRISIL IBX Gilt Index - June 2036 Fund | Debt Index Fund | 0.99 | 7.2% |
| Nippon India Nifty G-Sec Jun 2036 Maturity Index Fund | Debt Index Fund | 0.99 | 7.3% |
- What is the latest NAV of Bandhan 10 year Constant Maturity Gilt Fund?
- The NAV of the Direct plan (growth option) was ₹48.7084 on 1 Oct 2026, as published by AMFI.
- Which category is Bandhan 10 year Constant Maturity Gilt Fund in?
- It is classified as Gilt 10Y Constant in AMFI's daily NAV file. MFIC compares it with 5 Gilt 10Y Constant schemes (Direct plans).
- What returns has Bandhan 10 year Constant Maturity Gilt Fund delivered?
- Over one year the NAV changed by 3.5%. The 3-year CAGR is 7.4% (category median 6.7%) and the 5-year CAGR is 5.7% (category median 5.6%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 9.0%, the lowest was 2.8%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in Bandhan 10 year Constant Maturity Gilt Fund's NAV?
- The largest peak-to-trough fall in its available history was 5.0%; within the last five years it was 4.8% (category median 4.7%).
- How volatile is Bandhan 10 year Constant Maturity Gilt Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 3.3%, which is above the Gilt 10Y Constant category median of 3.1%.
- What would a monthly SIP in Bandhan 10 year Constant Maturity Gilt Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,07,230 on 1 Oct 2026, an annualised return (XIRR) of 6.5%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of Bandhan 10 year Constant Maturity Gilt Fund?
- The total expense ratio of the Direct plan is 0.26% a year, as disclosed to AMFI (median of Gilt 10Y Constant Direct plans: 0.31%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Bandhan 10 year Constant Maturity Gilt Fund?
- Assets under management of the whole scheme were ₹285 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Bandhan 10 year Constant Maturity Gilt Fund?
- AMFI lists the scheme's riskometer as “Moderate”, and its benchmark's as “Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of Bandhan 10 year Constant Maturity Gilt Fund and how has it compared?
- Its official benchmark is the CRISIL 10 Year Gilt Index. Over 3 years AMFI reports a return of 7.4% for this plan against 6.2% for the benchmark total return index; over 5 years 5.7% against 4.9%. Past performance does not indicate future results.
- How often has Bandhan 10 year Constant Maturity Gilt Fund beaten its category?
- At 100% of the 14 month-ends compared over the last 10 years, its 3-year return was above the median of Gilt 10Y Constant schemes (Direct plans); it was in the top quarter at 100% of them. A typical scheme would show about 50%.
- Who manages Bandhan 10 year Constant Maturity Gilt Fund?
- According to its Scheme Summary Document, Bandhan 10 year Constant Maturity Gilt Fund is managed by Harshal Joshi (since 15 May 2017).
- What is the minimum investment in Bandhan 10 year Constant Maturity Gilt Fund?
- The minimum application amount is Rs.1000. SIP details: SIP Details: Rs.100 , STP Details: Rs.1000 , SWP Details: Rs.200.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 3.5% and the Regular plan's by 3.3%. The Regular plan includes the services of a distributor.
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