BANDHAN RETIREMENT FUND
Bandhan Mutual Fund · Retirement · Regular plan, growth option
| 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% | – |
| 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.
| 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 |
| 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.
The Regular plan's expense ratio is 2.55% a year and the Direct plan's 0.96%, a gap of 1.59%. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹35,27,766.
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 |
|---|---|---|
| Vishal Biraia | 28 Jan 2023 | |
| Viraj Kulkarni | Mr. Gautam Kaul | 2 Dec 2024 |
| Gautam Kaul | 28 Jul 2023 |
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 2.55% | 2.18% |
| AUM, whole scheme (₹ crore) | 175 | 269 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | -2.8% | 0.2% TRI |
Official benchmark: CRISIL Hybrid 50+50 - Moderate Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Retirement Regular plans; how it is calculated.
| 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.
| 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 | 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% |
- What is the latest NAV of BANDHAN RETIREMENT FUND?
- The NAV of the Regular plan (growth option) was ₹12.0710 on 1 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 expense ratio (TER) of BANDHAN RETIREMENT FUND?
- The total expense ratio of the Regular plan is 2.55% a year, as disclosed to AMFI (median of Retirement Regular plans: 2.18%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is BANDHAN RETIREMENT FUND?
- Assets under management of the whole scheme were ₹175 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of BANDHAN RETIREMENT FUND?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- Who manages BANDHAN RETIREMENT FUND?
- According to its Scheme Summary Document, BANDHAN RETIREMENT FUND is managed by Vishal Biraia (since 28 Jan 2023), Viraj Kulkarni (since 2 Dec 2024), Gautam Kaul (since 28 Jul 2023).
- What is the minimum investment in BANDHAN RETIREMENT FUND?
- The minimum application amount is Rs.1000. SIP details: SIP - Rs.100 SWP - Rs.200 STP - Rs.500/- and any amount thereafter (for Fixed amount / Fixed Percentage option).
- 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.
Every Monday: this scheme's NAV, 1-month and 1-year return beside its category median, 3-year CAGR and how far it is below its peak. Add more schemes from their pages or from your MFIC watchlist. Free; unsubscribe from any email.