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BANDHAN RETIREMENT FUND
Regular Plan · IDCW · Bandhan Mutual Fund
Returns
Annualised (CAGR) returns for periods over a year.
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Rank in Category
| Period | This Fund | Category Avg. | Rank |
|---|---|---|---|
| 1W | +4.16% | +3.10% | 7 of 29 |
| 1M | +3.88% | +2.05% | 2 of 29 |
| 3M | -1.86% | -2.98% | 8 of 29 |
| 6M | +0.75% | +0.56% | 13 of 29 |
| YTD | -2.88% | -1.35% | 20 of 29 |
| 1Y | -1.91% | -1.13% | 18 of 29 |
| 2Y | +1.90% | +1.82% | 7 of 29 |
| 3Y | +8.09% | +7.99% | 7 of 27 |
| INCEPTION | +7.74% | — | — |
Ranked among: Solution Oriented Schemes ** - Retirement Fund.
Rolling Returns
| Period | Average | Best | Worst | Positive Periods | Consistency |
|---|---|---|---|---|---|
| 3M | +1.77% | +11.90% | -9.44% | 63% | 25% |
| 6M | +3.23% | +16.09% | -7.99% | 70% | 28% |
| 1Y | +5.00% | +23.37% | -6.18% | 84% | 34% |
| 2Y | +4.93% | +14.32% | -2.06% | 89% | 37% |
| 3Y | +7.21% | +8.10% | +6.60% | 100% | 43% |
Rolling returns show the average, best and worst outcome an investor would have seen entering at any point in the window.
NAV History
AUM Trend (₹ Cr, quarterly average)
Expense Ratio Trend
Portfolio · Sep 2026
Asset Allocation
- Equity73.16%
- Debt21.73%
- Cash5.11%
- Other0.00%
Market Cap Split
- Large Cap58.47%
- Mid Cap10.84%
- Small Cap4.81%
- Others25.88%
Fundamentals
| Fund | Category | |
|---|---|---|
| P/E | 21.58 | 24.10 |
| P/B | 2.78 | 3.50 |
| Price / Sales | 2.57 | 3.15 |
| Price / Cash Flow | 13.66 | 19.54 |
| Dividend Yield (%) | 1.63 | 1.37 |
Holdings · Sep 2026
| Holding | Sector | Weight | Change (1M) |
|---|---|---|---|
| 73GOI2053 | Debt | 22.01% | +0.70% |
| Reliance Industries | Petroleum Products | 6.56% | +1.48% |
| HDFC Bank | Banks | 6.50% | +2.41% |
| ICICI Bank | Banks | 5.61% | +0.81% |
| Kotak Bank | Banks | 4.37% | +0.61% |
| Titan | Consumer Durables | 3.66% | -0.25% |
| Bharti Airtel | Telecom - Services | 3.35% | -2.10% |
| Infosys | IT - Software | 3.13% | +1.50% |
| Maruti Suzuki | Automobiles | 2.67% | +0.88% |
| Axis Bank | Banks | 2.67% | +0.74% |
| Hitachi Energy | Electrical Equipment | 2.60% | -0.15% |
| Triparty Repo TRP_011026 | Reverse Repo / TREPS | 2.56% | — |
| Larsen & Toubro | Construction | 2.26% | -1.55% |
| Tata Consultancy Services | IT - Software | 2.06% | +0.74% |
| ITC | Diversified FMCG | 2.00% | +0.60% |
View all 57 holdings
| Bajaj Finserv | Finance | 1.79% | — |
| Info Edge | Retailing | 1.63% | -0.06% |
| Net Current Assets | Net Current Assets | 1.31% | — |
| Jindal Steel | Ferrous Metals | 1.30% | -0.01% |
| Hero Motocorp | Automobiles | 1.26% | +0.00% |
| Vishnu Chemicals | Chemicals & Petrochemicals | 1.15% | +0.07% |
| Max Financial Services | Insurance | 1.14% | -0.11% |
| Eternal | Retailing | 1.10% | +0.02% |
| Bajaj Finance | Finance | 1.10% | -0.06% |
| NHPC | Power | 1.08% | -0.01% |
| Coal India | Consumable Fuels | 1.05% | +0.10% |
| Cholamandalam Investment | Finance | 1.05% | -0.10% |
| Oil & Natural Gas Corporation | Oil | 1.04% | — |
| Berger Paints | Consumer Durables | 0.91% | -0.05% |
| Cipla | Pharmaceuticals & Biotechnology | 0.86% | +0.00% |
| United Spirits | Beverages | 0.78% | -0.04% |
| Star Health Insurance | Insurance | 0.77% | -0.01% |
| Net Receivables/Payables | Net Current Assets | 0.74% | — |
| Lupin | Pharmaceuticals & Biotechnology | 0.73% | -0.03% |
| Exide Industries | Auto Components | 0.71% | -0.02% |
| Jindal Stainless | Ferrous Metals | 0.64% | +0.06% |
| HDFC Life Insurance | Insurance | 0.60% | +0.00% |
| Cash Margin - Derivatives | Net Current Assets | 0.57% | — |
| Colgate Palmolive | Personal Products | 0.51% | -0.01% |
| M&M Financial Services | Finance | 0.50% | -0.05% |
| Dabur India | Personal Products | 0.48% | +0.02% |
| Varun Beverages | Beverages | 0.45% | +0.05% |
| Sonata Software | IT - Software | 0.44% | -0.04% |
| Lodha Developers | Realty | 0.43% | +0.00% |
| Emami | Personal Products | 0.41% | +0.03% |
| UNO Minda | Auto Components | 0.40% | -0.02% |
| Dhanuka Agritech | Fertilizers & Agrochemicals | 0.37% | +0.00% |
| Mankind Pharma | Pharmaceuticals & Biotechnology | 0.35% | +0.03% |
| Sobha | Realty | 0.34% | +0.00% |
| Tata Motors Passenger Vehicles | Automobiles | 0.33% | -0.01% |
| Jubilant Ingrevia | Chemicals & Petrochemicals | 0.28% | +0.00% |
| Wipro | IT - Software | 0.28% | -0.04% |
| Neogen Chemicals | Chemicals & Petrochemicals | 0.23% | +0.03% |
| Zee Entertainment | Entertainment | 0.11% | -0.02% |
| GAIL | Gas | 0.08% | +0.00% |
| Cash Margin - CCIL | Net Current Assets | 0.00% | — |
| Cash / Bank Balance | Net Current Assets | 0.00% | — |
Sector Allocation · Sep 2026
View all 25 sectors
Risk Metrics
Standard Deviation
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 9.07 | 10.03 | Low Volatility |
| 3Y | 8.43 | 9.44 | Low Volatility |
What is this?
Annualized population standard deviation of daily denomination-adjusted NAV returns, multiplied by sqrt(252). Values require a full timeframe of NAV history.
Sharpe Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | -0.89 | -0.86 | Below Average |
| 3Y | 0.21 | 0.13 | Above Average |
What is this?
Annualized Sharpe ratio calculated from month-end NAV returns using the latest available FBIL Overnight MIBOR rate as the risk-free rate. For schemes with less than three years of history, the 3Y value uses since-inception data. Applied risk-free rate: 5.73% (published 2026-10-28).
Sortino Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | -0.23 | 0.14 | Below Average |
| 3Y | 1.36 | 1.80 | Below Average |
What is this?
Annualized from daily NAV returns using a 0.00% minimum acceptable return; downside deviation includes only returns below this target.
Compare With Peers
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
ICICI Prudential Retirement Fund Hybrid Conservative Plan
Direct Plan · Growth
|
+3.76% | +9.45% | +8.46% | +9.46% |
|
ICICI Prudential Retirement Fund Pure Debt Plan
Regular Plan · IDCW
|
+2.93% | +5.47% | +4.89% | +6.02% |
|
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
Regular Plan · GROWTH
|
+2.07% | +4.62% | +3.81% | +4.09% |
|
Tata Retirement Savings Fund-Progressive Plan
Regular Plan · Growth Option
|
+1.88% | +10.99% | +8.44% | +13.46% |
|
Tata Retirement Savings Fund-Moderate Plan
Regular Plan · Growth Option
|
+1.79% | +10.45% | +8.40% | +13.39% |
|
Tata Retirement Savings Fund-Conservative Plan
Regular Plan · Growth Option
|
+1.77% | +6.41% | +5.30% | +8.15% |
|
SBI Retirement Benefit Fund - Conservative Plan
Regular Plan · IDCW
|
+1.68% | +6.18% | +6.34% | +6.80% |
|
SBI Retirement Benefit Fund - Conservative Hybrid Plan
Direct Plan · Growth
|
+1.40% | +7.18% | +7.48% | +8.87% |
|
PGIM India Retirement Fund
Direct Plan · Direct Growth
|
+1.12% | — | — | +9.54% |
|
Aditya Birla Sun Life Retirement Fund-The 30s Plan
Regular Plan · IDCW
|
+1.00% | +5.13% | +4.41% | +7.08% |
More From Bandhan AMC Limited
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
BANDHAN INNOVATION FUND
Direct Plan · Growth
|
+14.35% | — | — | +20.03% |
|
Bandhan BSE Healthcare Index Fund
Direct Plan · Growth
|
+14.13% | — | — | +8.12% |
|
Bandhan US Treasury Bond 0-1 year specific Debt Passive FOF
Direct Plan · IDCW
|
+10.64% | +8.91% | — | +8.51% |
|
Bandhan Gilt Fund
Direct Plan · Growth
|
+7.31% | +8.25% | +6.45% | +8.58% |
|
Bandhan CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
Direct Plan · Growth
|
+6.77% | — | — | +7.03% |
|
BANDHAN Dynamic Term Fund
Direct Plan · Growth
|
+6.71% | +7.89% | +6.20% | +8.15% |
|
Bandhan Money Market Fund
Direct Plan · Periodic IDCW
|
+6.56% | +7.39% | +6.77% | +4.70% |
|
BANDHAN LIQUID Fund
Direct Plan · Periodic IDCW
|
+6.46% | +6.88% | +6.41% | +1.51% |
|
BANDHAN Arbitrage Fund
Direct Plan · Growth
|
+6.43% | +7.26% | +6.79% | +6.91% |
|
BANDHAN ULTRA SHORT TERM FUND
Direct Plan · Periodic IDCW
|
+6.43% | +7.19% | +6.61% | +4.33% |
About This Scheme
Investment Objective
The investment objective of the Scheme is to provide long-term capital appreciation / income by investing in a mix of equity, debt and other instruments to help investors meet their retirement goals. However, there can be no assurance that the investment objective of the scheme will be realized.
Stated Asset Allocation
Securities belonging to the Equity and equity related instruments - 50%-100%, Debt Securities and Money Market Instruments (including Government securities, Securitised debt) - 0%- 50% Units issued by InvITs - 0% - 10%.
Exit Load
Nil
Fund Managers
Mr. Vishal Biraia (equity portion),Mr. Viraj Kulkarni (equity portion) Mr. Gautam Kaul (debt portion)
Equity Portion: Mr. Vishal Biraia, Mr. Viraj Kulkarni Debt Portion: Mr. Gautam Kaul
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns. Data is sourced from AMFI and fund houses via FinAPI and may lag official figures.