BANDHAN RETIREMENT FUND
Bandhan Mutual Fund · Retirement · Regular plan, growth option
NAV (₹), 2 Oct 2026
12.0710
1-day change
-0.46%
1Y return
-3.9%
3Y CAGR
n/a
5Y CAGR
n/a
Max drawdown, 5Y
n/a
NAV history month-end NAV, ₹ · 19 Oct 2023 to 1 Oct 2026
Returns vs Retirement median (29 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -4.1% | -4.5% |
| 3 months | -4.1% | -2.7% |
| 6 months | 2.5% | 4.9% |
| Year to date | -6.3% | -2.5% |
| 1 year | -3.9% | -0.1% |
| 3 years (CAGR) | n/a | 7.2% |
| 5 years (CAGR) | n/a | 7.0% |
| 7 years (CAGR) | n/a | 9.9% |
| 10 years (CAGR) | n/a | 9.0% |
| Since first NAV (CAGR) | 6.6% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 4.6% | 8.1% |
| 3Y rolling median | n/a | 11.3% |
| 3Y rolling worst | n/a | 4.3% |
| 3Y periods positive | n/a | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | n/a | 10.5% |
| 5Y rolling worst | n/a | 5.6% |
| 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.) | 9.3% | 10.9% |
| Sharpe ratio | 0.06 | 0.10 |
| Sortino ratio | 0.08 | 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 |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −10.1% | −18.1% |
| Maximum drawdown, last 10Y | n/a | −23.5% |
| Maximum drawdown, last 5Y | n/a | −12.7% |
| Current drawdown | −7.0% | −5.8% |
| Recovery time of worst fall | n/a | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -6.3% | n/a | – |
| 2025 | 6.6% | n/a | – |
| 2024 | 12.8% | 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 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,15,404 | -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 facts
AMC: Bandhan Mutual Fund
Category: Retirement
Plan / option: Regular · Growth
AMFI scheme code: 152103
ISIN: INF194KB1GN7
First NAV in MFIC data: 19 Oct 2023
History: 3.0 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| HDFC Retirement Fund - Equity Plan | Retirement | 0.98 | 7.0% |
| HDFC Retirement Fund - Hybrid-Equity Plan | Retirement | 0.98 | 5.4% |
| Baroda BNP Paribas Retirement Fund | Retirement | 0.97 | n/a |
| UTI Children's Hybrid Fund | Children's | 0.97 | 5.7% |
| UTI Retirement Fund | Retirement | 0.97 | 7.5% |
| Axis Retirement Fund - Aggressive Plan | Retirement | 0.97 | 8.5% |
Questions about BANDHAN RETIREMENT FUND
- What is the latest NAV of BANDHAN RETIREMENT FUND?
- The NAV of the Regular plan (growth option) was ₹12.0710 on 2 Oct 2026, as published by AMFI.
- Which category is BANDHAN RETIREMENT FUND in?
- It is classified as Retirement in AMFI's daily NAV file. MFIC compares it with 29 Retirement schemes (Regular plans).
- What was the largest fall in BANDHAN RETIREMENT FUND's NAV?
- The largest peak-to-trough fall in its available history was 10.1%.
- How volatile is BANDHAN RETIREMENT FUND?
- Its annualised standard deviation of monthly returns over the last 36 months is 9.3%, which is below the Retirement category median of 10.9%.
- 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 -2.3% and the Regular plan's by -3.9%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund Distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 2 Oct 2026. Category medians use Regular 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.