BANDHAN FIXED TERM PLAN SERIES - 179 (3652 DAYS)
Bandhan Mutual Fund · Fixed Maturity Plan · Direct plan, growth option
NAV (₹), 1 Oct 2026
18.1431
1-day change
-0.03%
1Y return
5.3%
3Y CAGR
7.6%
5Y CAGR
6.6%
Max drawdown, 5Y
−2.8%
NAV history month-end NAV, ₹ · 14 Mar 2019 to 1 Oct 2026
Returns vs Fixed Maturity Plan median (24 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -0.1% | 0.3% |
| 3 months | 0.7% | 1.2% |
| 6 months | 2.6% | 2.9% |
| Year to date | 3.5% | 4.2% |
| 1 year | 5.3% | 5.8% |
| 3 years (CAGR) | 7.6% | 7.5% |
| 5 years (CAGR) | 6.6% | 6.5% |
| 7 years (CAGR) | 7.2% | 7.1% |
| 10 years (CAGR) | n/a | n/a |
| Since first NAV (CAGR) | 8.2% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.9% | 7.8% |
| 3Y rolling median | 6.7% | 7.6% |
| 3Y rolling worst | 4.8% | 6.0% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 7.1% | 7.0% |
| 5Y rolling worst | 6.5% | 6.5% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 1.9% | 0.9% |
| Sharpe ratio | 0.61 | 1.08 |
| Sortino ratio | 0.96 | 2.01 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −4.9% | −3.6% |
| Maximum drawdown, last 10Y | n/a | n/a |
| Maximum drawdown, last 5Y | −2.8% | −3.1% |
| Current drawdown | −0.3% | 0.0% |
| Recovery time of worst fall | 14 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 0.29% a year and the Direct plan's 0.04%, a gap of 0.25%; over the last 3 years the Direct plan returned 0.27 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 ₹6,79,936.
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 managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Harshal Joshi | Primary | 28 Jul 2021 |
Objective: The Scheme seeks to generate income by investing in a portfolio of debt and money market instruments maturing on or before the maturity of the scheme.
Stated asset allocation: Money market Instruments (including CBLO) - 0%-20%, Debt Securities - 80%-100%
Benchmark (tier 1): CRISIL Composite Bond Fund Index
Minimum application: Rs.5000
Allotment date: 13 Mar 2019
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 0.04% | 0.13% |
| AUM, whole scheme (₹ crore) | 375 | 149 |
| Riskometer | Moderate | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 5.4% | 3.8% TRI |
| Return, 3 years (AMFI) | 7.6% | 6.6% TRI |
| Return, 5 years (AMFI) | 6.5% | 5.7% TRI |
| Month-ends above category median (3Y CAGR) | 95% | 26% median |
| Month-ends in category top quartile (3Y) | 90% | 0% median |
Official benchmark: CRISIL Composite Bond Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Fixed Maturity Plan Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 3.5% | n/a | – |
| 2025 | 8.4% | n/a | – |
| 2024 | 9.3% | n/a | – |
| 2023 | 7.7% | n/a | – |
| 2022 | 3.5% | n/a | – |
| 2021 | 4.5% | n/a | – |
| 2020 | 11.7% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,23,086 | 4.8% |
| 3 years | ₹3,60,000 | ₹3,98,821 | 6.8% |
| 5 years | ₹6,00,000 | ₹7,18,562 | 7.1% |
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 facts
AMC: Bandhan Mutual Fund
Category: Fixed Maturity Plan
Plan / option: Direct · Growth
AMFI scheme code: 146701
ISIN: INF194KB1777
First NAV in MFIC data: 14 Mar 2019
History: 7.6 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Nippon India Fixed Maturity Plan - XLI - Series 8 | Fixed Maturity Plan | 1.00 | 7.6% |
| SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) | Fixed Maturity Plan | 0.99 | 7.6% |
| SBI Fixed Maturity Plan (FMP) - Series 6 (3668 Days) | Fixed Maturity Plan | 0.99 | 7.5% |
| Nippon India Fixed Maturity Plan - XLIII - Series 5 | Fixed Maturity Plan | 0.96 | 7.7% |
| SBI Fixed Maturity Plan (FMP) - Series 34 (3682 Days) | Fixed Maturity Plan | 0.93 | 7.4% |
| Kotak FMP Series 304 | Fixed Maturity Plan | 0.86 | 7.5% |
Questions about BANDHAN FIXED TERM PLAN SERIES - 179 (3652 DAYS)
- What is the latest NAV of BANDHAN FIXED TERM PLAN SERIES - 179 (3652 DAYS)?
- The NAV of the Direct plan (growth option) was ₹18.1431 on 1 Oct 2026, as published by AMFI.
- Which category is BANDHAN FIXED TERM PLAN SERIES - 179 (3652 DAYS) in?
- It is classified as Fixed Maturity Plan in AMFI's daily NAV file. MFIC compares it with 24 Fixed Maturity Plan schemes (Direct plans).
- What returns has BANDHAN FIXED TERM PLAN SERIES - 179 (3652 DAYS) delivered?
- Over one year the NAV changed by 5.3%. The 3-year CAGR is 7.6% (category median 7.5%) and the 5-year CAGR is 6.6% (category median 6.5%). 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 6.7%, the lowest was 4.8%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in BANDHAN FIXED TERM PLAN SERIES - 179 (3652 DAYS)'s NAV?
- The largest peak-to-trough fall in its available history was 4.9%; within the last five years it was 2.8% (category median 3.1%).
- How volatile is BANDHAN FIXED TERM PLAN SERIES - 179 (3652 DAYS)?
- Its annualised standard deviation of monthly returns over the last 36 months is 1.9%, which is above the Fixed Maturity Plan category median of 0.9%.
- What would a monthly SIP in BANDHAN FIXED TERM PLAN SERIES - 179 (3652 DAYS) 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 ₹7,18,562 on 1 Oct 2026, an annualised return (XIRR) of 7.1%. 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 FIXED TERM PLAN SERIES - 179 (3652 DAYS)?
- The total expense ratio of the Direct plan is 0.04% a year, as disclosed to AMFI (median of Fixed Maturity Plan Direct plans: 0.13%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is BANDHAN FIXED TERM PLAN SERIES - 179 (3652 DAYS)?
- Assets under management of the whole scheme were ₹375 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of BANDHAN FIXED TERM PLAN SERIES - 179 (3652 DAYS)?
- 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 FIXED TERM PLAN SERIES - 179 (3652 DAYS) and how has it compared?
- Its official benchmark is the CRISIL Composite Bond Index. Over 3 years AMFI reports a return of 7.6% for this plan against 6.6% for the benchmark total return index; over 5 years 6.5% against 5.7%. Past performance does not indicate future results.
- How often has BANDHAN FIXED TERM PLAN SERIES - 179 (3652 DAYS) beaten its category?
- At 95% of the 41 month-ends compared over the last 10 years, its 3-year return was above the median of Fixed Maturity Plan schemes (Direct plans); it was in the top quarter at 90% of them. A typical scheme would show about 50%.
- Who manages BANDHAN FIXED TERM PLAN SERIES - 179 (3652 DAYS)?
- According to its Scheme Summary Document, BANDHAN FIXED TERM PLAN SERIES - 179 (3652 DAYS) is managed by Harshal Joshi (since 28 Jul 2021).
- What is the minimum investment in BANDHAN FIXED TERM PLAN SERIES - 179 (3652 DAYS)?
- The minimum application amount is Rs.5000.
- 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 5.3% and the Regular plan's by 5.0%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Direct plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.