Dezerv

Fund Overview

Fund Size

Fund Size

₹13,580 Cr

Expense Ratio

Expense Ratio

0.63%

ISIN

ISIN

INF194K01SN6

Minimum SIP

Minimum SIP

₹1,000

Exit Load

Exit Load

No Charges

Inception Date

Inception Date

07 Mar 2013

About this fund

Bandhan Banking & PSU Debt Fund Regular Growth is a Banking & PSU mutual fund schemes offered by Bandhan Mutual Fund. This fund has been in existence for 12 years, 3 months and 12 days, having been launched on 07-Mar-13.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹24.67, Assets Under Management (AUM) of 13579.65 Crores, and an expense ratio of 0.63%.
  • Bandhan Banking & PSU Debt Fund Regular Growth has given a CAGR return of 7.63% since inception.
  • The fund's asset allocation comprises around 0.00% in equities, 87.73% in debts, and 11.97% in cash & cash equivalents.
  • You can start investing in Bandhan Banking & PSU Debt Fund Regular Growth with a SIP of ₹1000 or a Lumpsum investment of ₹1000.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+8.87%

+9.07% (Cat Avg.)

3 Years

+7.32%

+7.52% (Cat Avg.)

5 Years

+6.06%

+6.14% (Cat Avg.)

10 Years

+7.30%

+6.53% (Cat Avg.)

Since Inception

+7.63%

(Cat Avg.)

Portfolio Summaryas of 31st May 2025

Debt11,913.49 Cr87.73%
Others1,666.15 Cr12.27%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
7.1% Govt Stock 2034Bond - Gov't/Treasury1,402.06 Cr10.32%
7.18% Govt Stock 2033Bond - Gov't/Treasury858.07 Cr6.32%
HDFC Bank LimitedBond - Corporate Bond804.35 Cr5.92%
Interest Rate Swaps (27/02/2026) Pay FixedInterest Rate Swap-600.03 Cr4.42%
Interest Rate Swaps (27/02/2026) Receive FloatingInterest Rate Swap600 Cr4.42%
6.79% Govt Stock 2034Bond - Gov't/Treasury595.66 Cr4.39%
Indian Railway Finance Corporation LimitedBond - Corporate Bond528.9 Cr3.89%
Small Industries Development Bank Of IndiaBond - Corporate Bond526.97 Cr3.88%
National Bank For Agriculture And Rural DevelopmentBond - Corporate Bond419.33 Cr3.09%
Indian Railway Finance Corporation LimitedBond - Corporate Bond418.43 Cr3.08%
HDFC Bank LimitedBond - Corporate Bond413.62 Cr3.05%
Export-Import Bank Of IndiaCash - Commercial Paper388.93 Cr2.86%
Nuclear Power Corporation Of India LimitedBond - Corporate Bond371.31 Cr2.73%
Small Industries Development Bank Of IndiaCash - CD/Time Deposit362.96 Cr2.67%
Ntpc LimitedBond - Corporate Bond354.22 Cr2.61%
Rec LimitedBond - Corporate Bond313.54 Cr2.31%
National Bank For Agriculture And Rural DevelopmentBond - Corporate Bond301.22 Cr2.22%
Odisha (Government of) 7.17%Bond - Sub-sovereign Government Debt291.12 Cr2.14%
Indian Oil Corporation LimitedBond - Corporate Bond286.47 Cr2.11%
National Housing BankBond - Corporate Bond281.4 Cr2.07%
Small Industries Development Bank Of IndiaBond - Corporate Bond281.31 Cr2.07%
Hindustan Petroleum Corp Ltd. 6.73%Bond - Gov't Agency Debt277.82 Cr2.05%
Rural Electrification Corporation LimitedBond - Corporate Bond261.73 Cr1.93%
Triparty Repo Trp_020625Cash - Repurchase Agreement251.9 Cr1.85%
Net Current AssetsCash251.4 Cr1.85%
Rec LimitedBond - Corporate Bond241.92 Cr1.78%
Power Finance Corporation Ltd.Bond - Corporate Bond227.72 Cr1.68%
National Housing BankBond - Corporate Bond221.97 Cr1.63%
7.26% Govt Stock 2033Bond - Gov't/Treasury212.64 Cr1.57%
HDFC Bank LimitedBond - Corporate Bond203.72 Cr1.50%
Export Import Bank Of IndiaBond - Corporate Bond201.65 Cr1.48%
Hindustan Petroleum Corporation LimitedBond - Corporate Bond196.25 Cr1.45%
National Housing BankBond - Corporate Bond178.82 Cr1.32%
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)Cash - CD/Time Deposit169.27 Cr1.25%
Power Finance Corporation Ltd.Bond - Corporate Bond165.97 Cr1.22%
Indian Oil Corporation LimitedBond - Corporate Bond103.14 Cr0.76%
HDFC Bank LimitedBond - Corporate Bond101.28 Cr0.75%
National Bank For Agriculture And Rural DevelopmentBond - Corporate Bond101.01 Cr0.74%
Power Finance Corporation Ltd.Bond - Corporate Bond100.14 Cr0.74%
National Housing BankBond - Corporate Bond90.18 Cr0.66%
Power Grid Corporation Of India LimitedBond - Corporate Bond79.54 Cr0.59%
Nuclear Power Corporation Of India LimitedBond - Corporate Bond56.2 Cr0.41%
Power Grid Corporation Of India LimitedBond - Corporate Bond51.19 Cr0.38%
Indian Railway Finance Corporation LimitedBond - Corporate Bond51.1 Cr0.38%
Ntpc LimitedBond - Corporate Bond50.57 Cr0.37%
Punjab National BankBond - Gov't Agency Debt48.07 Cr0.35%
Small Industries Development Bank Of IndiaCash - CD/Time Deposit47.89 Cr0.35%
NTPC Ltd.Cash - Commercial Paper47.64 Cr0.35%
ICICI Bank LimitedBond - Corporate Bond45.67 Cr0.34%
Corporate Debt Market Development Fund Class A2Mutual Fund - Open End40.77 Cr0.30%
Power Grid Corporation Of India LimitedBond - Corporate Bond28.13 Cr0.21%
Ntpc LimitedBond - Corporate Bond25.7 Cr0.19%
Export-Import Bank Of IndiaBond - Corporate Bond25.6 Cr0.19%
Export Import Bank Of IndiaBond - Corporate Bond25.3 Cr0.19%
Ntpc LimitedBond - Corporate Bond25.2 Cr0.19%
Nhpc LimitedBond - Corporate Bond25.06 Cr0.18%
Export Import Bank Of IndiaBond - Corporate Bond24.95 Cr0.18%
Indian Oil Corporation LimitedBond - Corporate Bond24.9 Cr0.18%
Rec LimitedBond - Corporate Bond24.88 Cr0.18%
Nuclear Power Corporation Of India LimitedBond - Corporate Bond20.96 Cr0.15%
Nuclear Power Corporation Of India LimitedBond - Corporate Bond10.31 Cr0.08%
Nhpc LimitedBond - Corporate Bond10.1 Cr0.07%
Power Grid Corporation Of India LimitedBond - Corporate Bond10.08 Cr0.07%
Canara Bank**Cash - CD/Time Deposit8.56 Cr0.06%
Power Grid Corporation Of India LimitedBond - Corporate Bond5.04 Cr0.04%
Power Finance Corporation LimitedBond - Corporate Bond5 Cr0.04%
Cash Margin - CcilCash - Repurchase Agreement1.65 Cr0.01%
07.18 Tn SDL 2027Bond - Gov't/Treasury1.23 Cr0.01%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

InstrumentsAmount sortHoldings sort
Bond - Corporate Bond8,322.05 Cr61.28%
Bond - Gov't/Treasury3,069.65 Cr22.60%
Interest Rate Swap-0.03 Cr8.84%
Cash - CD/Time Deposit588.68 Cr4.33%
Cash - Commercial Paper436.56 Cr3.21%
Bond - Gov't Agency Debt325.89 Cr2.40%
Bond - Sub-sovereign Government Debt291.12 Cr2.14%
Cash - Repurchase Agreement253.55 Cr1.87%
Cash251.4 Cr1.85%
Mutual Fund - Open End40.77 Cr0.30%

Risk & Performance Ratios

Standard Deviation

This fund

0.86%

Cat. avg.

1.35%

Lower the better

Sharpe Ratio

This fund

0.67

Cat. avg.

0.65

Higher the better

Sortino Ratio

This fund

--

Cat. avg.

1.44

Higher the better

Fund Managers

Suyash Choudhary

Suyash Choudhary

Since July 2021

GK

Gautam Kaul

Since December 2021

BS

Brijesh Shah

Since June 2024

Additional Scheme Detailsas of 31st May 2025

ISIN
INF194K01SN6
Expense Ratio
0.63%
Exit Load
No Charges
Fund Size
₹13,580 Cr
Age
12 years 3 months
Lumpsum Minimum
₹1,000
Fund Status
Open Ended Investment Company
Benchmark
NIFTY Banking & PSU Debt TR INR

Investment ObjectiveInvestment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Capital Gains Taxation:

  • For investments made on or after 1 April 2023: The entire capital gain is added to the investor's income and is taxed based on the applicable income tax slab.
  • For investments made before 1 April 2023:
    • If sold within 2 years of investment: The capital gains are added to the investor's income and taxed according to the applicable tax slab.
    • If sold after 2 years of investment: The capital gains are taxed at a flat rate of 12.5%.
  • Holding the units: No tax is applicable as long as you hold the units.

Dividend Taxation:

Dividends are considered part of the investor’s income and are taxed according to their applicable tax slab. Additionally, if an investor’s dividend income exceeds INR 5,000 in a financial year, a 10% Tax Deducted at Source (TDS) is withheld by the fund house before distributing the dividend.

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Banking & PSU Funds

Fund nameExpense RatioExit LoadFund size
1Y
Bajaj Finserv Banking and PSU Fund Regular Growth

Moderate Risk

0.9%0.0%₹142.07 Cr9.6%
Bajaj Finserv Banking and PSU Fund Direct Growth

Moderate Risk

0.3%0.0%₹142.07 Cr10.2%
HSBC Banking & PSU Debt Direct Growth

Moderate Risk

0.2%0.0%₹4294.57 Cr9.3%
LIC MF Banking & PSU Debt Fund Direct Growth

Moderate Risk

0.3%0.0%₹1931.59 Cr10.1%
Axis Banking & PSU Debt Fund Direct Growth

Moderate Risk

0.3%0.0%₹13470.40 Cr9.5%
Invesco India Banking & PSU Debt Fund Regular Growth

Moderate Risk

0.6%0.0%₹104.86 Cr9.4%
DSP Banking & PSU Debt Fund Regular Growth

Low to Moderate Risk

0.6%0.0%₹4104.46 Cr9.2%
DSP Banking & PSU Debt Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹4104.46 Cr9.6%
Edelweiss Banking and PSU Debt Fund Direct Growth

Low to Moderate Risk

0.4%0.0%₹270.43 Cr10.1%
Edelweiss Banking and PSU Debt Fund Regular Growth

Low to Moderate Risk

0.7%0.0%₹270.43 Cr9.8%

About the AMC

Total AUM

₹1,69,192 Cr

Address

6th Floor, 841, One World Center, Mumbai, 400013

Other Funds by Bandhan Mutual Fund

Fund nameExpense RatioExit LoadFund size
1Y
Bandhan Multi Asset Allocation Fund Direct Growth

Very High Risk

0.5%0.0%₹1928.26 Cr10.9%
Bandhan Nifty Smallcap 250 Index Fund Direct Growth

Very High Risk

0.2%0.0%₹54.86 Cr0.6%
Bandhan Nifty Alpha 50 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹448.36 Cr-8.6%
Bandhan Retirement Fund Direct Growth

Very High Risk

0.7%0.0%₹180.46 Cr5.9%
Bandhan Nifty IT Index Fund Direct Growth

Very High Risk

0.4%0.0%₹25.54 Cr14.1%
Bandhan Interval Fund - Series 17 Direct Growth

Moderate Risk

-0.0%--
Bandhan Fixed Term Plan Series 197 Direct Growth

Moderate Risk

-0.0%--
Bandhan Fixed Term Plan Series 179 Direct Growth

Moderate Risk

-0.0%₹334.47 Cr11.1%
Bandhan Overnight Fund Direct Growth

Low Risk

0.1%0.0%₹800.62 Cr6.5%
Bandhan Liquid Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹13625.91 Cr7.3%
Bandhan Core Equity Fund Direct Growth

Very High Risk

0.6%1.0%₹9106.59 Cr7.6%
Bandhan Dynamic Bond Fund Direct Growth

Moderate Risk

0.7%0.0%₹2938.61 Cr6.9%
Bandhan Large Cap Fund Direct Growth

Very High Risk

0.9%0.0%₹1862.19 Cr6.2%
Bandhan Asset Allocation FOF Aggressive Plan Direct Growth

High Risk

0.5%1.0%₹19.21 Cr6.7%
Bandhan Government Securities Fund Investment Plan Direct Growth

Moderate Risk

0.5%0.0%₹3431.61 Cr7.1%
Bandhan Focused Equity Fund Direct Growth

Very High Risk

0.8%1.0%₹1838.84 Cr10.3%
Bandhan Government Securities Fund - Constant Maturity Plan Direct Growth

Moderate Risk

0.1%0.0%₹371.62 Cr11.3%
Bandhan Infrastructure Fund Direct Growth

Very High Risk

0.8%0.0%₹1700.65 Cr-6.2%
Bandhan Regular Savings Fund Direct Growth

Moderately High risk

1.1%0.0%₹116.61 Cr7.2%
Bandhan Bond Fund - Medium Term Plan Direct Growth

Moderate Risk

0.6%0.0%₹1487.56 Cr9.9%
Bandhan Bond Fund - Income Plan Direct Growth

Moderate Risk

1.3%1.0%₹493.96 Cr7.1%
Bandhan Money Manager Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹10885.31 Cr8.3%
Bandhan Bond Fund - Short Term Plan Direct Growth

Low to Moderate Risk

0.3%0.0%₹10116.37 Cr10.0%
Bandhan Nifty 50 Index Fund Direct Growth

Very High Risk

0.1%0.0%₹1886.21 Cr6.2%
Bandhan Sterling Value Fund Direct Growth

Very High Risk

0.7%1.0%₹9961.02 Cr1.6%
Bandhan Flexi Cap Fund Direct Growth

Very High Risk

1.1%1.0%₹7356.66 Cr5.9%
Bandhan Crisil IBX Gilt November 2026 Index Fund Direct Growth

Moderate Risk

0.1%0.0%₹105.78 Cr9.0%
Bandhan Tax Advantage (ELSS) Fund Direct Growth

Very High Risk

0.6%0.0%₹6954.94 Cr2.7%
Bandhan Low Duration Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹6506.28 Cr8.3%
Bandhan Asset Allocation FOF Conservative Plan Direct Growth

Moderately High risk

0.2%1.0%₹6.25 Cr7.8%
Bandhan Crisil IBX Gilt April 2026 Index Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹439.97 Cr7.9%
Bandhan Multi Cap Fund Direct Growth

Very High Risk

0.6%1.0%₹2617.20 Cr4.7%
Bandhan Financial Services Fund Direct Growth

Very High Risk

0.6%0.0%₹1039.30 Cr15.2%
Bandhan Floating Rate Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹311.97 Cr10.0%
Bandhan Arbitrage Fund Direct Growth

Low Risk

0.3%0.0%₹9042.14 Cr7.8%
Bandhan US Equity Fund of Fund Direct Growth

Very High Risk

1.4%1.0%₹315.53 Cr11.9%
Bandhan CRISIL IBX Gilt June 2032 Index Fund Direct Growth

Moderate Risk

0.1%0.0%₹439.97 Cr11.4%
Bandhan Crisil IBX Gilt September 2027 Index Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹152.67 Cr9.7%
Bandhan Crisil IBX Gilt April 2032 Index Fund Direct Growth

Moderate Risk

0.2%0.0%₹544.17 Cr11.3%
Bandhan Ultra Short Term Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹4561.87 Cr7.8%
Bandhan Asset Allocation FOF Moderate Plan Direct Growth

High Risk

0.4%1.0%₹19.33 Cr7.5%
Bandhan Equity Savings Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹303.48 Cr7.4%
Bandhan US Treasury Bond 0-1 year Fund of Fund Direct Growth

Very High Risk

0.2%0.0%₹132.79 Cr8.1%
Bandhan Nifty100 Low Volatility 30 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹1499.21 Cr4.5%
Bandhan All Seasons Bond Fund Direct Growth

Moderately High risk

0.0%0.0%₹462.54 Cr9.2%
Bandhan Nifty200 Momentum 30 Index Fund Direct Growth

Very High Risk

0.4%0.0%₹132.27 Cr-14.0%
Bandhan Emerging Businesses Fund Direct Growth

Very High Risk

0.4%1.0%₹11743.70 Cr15.9%
Bandhan Hybrid Equity Fund Direct Growth

Very High Risk

1.0%1.0%₹903.65 Cr12.8%
Bandhan Nifty 100 Index Fund Direct Growth

Very High Risk

0.1%0.0%₹181.99 Cr3.7%
Bandhan Credit Risk Fund Direct Growth

Moderately High risk

0.7%1.0%₹282.69 Cr9.1%

Risk Level

Your principal amount will be at Moderate Risk

Moderate Risk
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The NAV of Bandhan Banking & PSU Debt Fund Regular Growth, as of 18-Jun-2025, is ₹24.67.
The fund has generated 8.87% over the last 1 year and 7.32% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
The fund's allocation of assets is distributed as 0.00% in equities, 87.73% in bonds, and 11.97% in cash and cash equivalents.
The fund managers responsible for Bandhan Banking & PSU Debt Fund Regular Growth are:-
  1. Suyash Choudhary
  2. Gautam Kaul
  3. Brijesh Shah