Bandhan Regular Savings Fund Direct Growth

Fund Overview

Fund Size

₹103 Cr

Expense Ratio

1.04%

ISIN

INF194K015B9

Minimum SIP

₹1,000

Exit Load

No Charges

Inception Date

01 Jan 2013

About this fund

Bandhan Regular Savings Fund Direct Growth is a Conservative Allocation mutual fund schemes offered by Bandhan Mutual Fund. This fund has been in existence for 13 years and 10 days, having been launched on 01-Jan-13.
As of 09-Jan-26, it has a Net Asset Value (NAV) of ₹36.76, Assets Under Management (AUM) of 102.54 Crores, and an expense ratio of 1.04%.

Bandhan Regular Savings Fund Direct Growth has given a CAGR return of 8.37% since inception.
The fund's asset allocation comprises around 23.28% in equities, 60.20% in debts, and 16.08% in cash & cash equivalents.
You can start investing in Bandhan Regular Savings Fund Direct 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

+7.41%

+5.40% (Cat Avg.)

3 Years

+8.93%

+8.93% (Cat Avg.)

5 Years

+6.77%

+8.13% (Cat Avg.)

10 Years

+7.65%

+7.37% (Cat Avg.)

Since Inception

+8.37%

— (Cat Avg.)

Portfolio Summaryas of 31st December 2025

Equity	₹23.87 Cr	23.28%
Debt	₹61.73 Cr	60.20%
Others	₹16.91 Cr	16.49%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
7.3% Govt Stock 2053	Bond - Gov't/Treasury	₹13.02 Cr	12.73%
Bandhan Nifty 50 ETF	Mutual Fund - ETF	₹12.17 Cr	11.89%
Triparty Repo Trp_010126	Cash - Repurchase Agreement	₹9.92 Cr	9.70%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹9.12 Cr	8.91%
08.57 RJ Sdl 2028	Bond - Gov't/Treasury	₹5.25 Cr	5.13%
Kotak Mahindra Prime Limited	Bond - Corporate Bond	₹5.07 Cr	4.95%
Godrej Industries Limited	Bond - Corporate Bond	₹5.06 Cr	4.94%
Power Finance Corporation Limited	Bond - Corporate Bond	₹5 Cr	4.89%
Bajaj Housing Finance Limited	Bond - Corporate Bond	₹4.99 Cr	4.88%
Godrej Housing Finance Limited	Bond - Corporate Bond	₹4.07 Cr	3.97%
Muthoot Finance Limited	Bond - Corporate Bond	₹4.05 Cr	3.96%
Aadhar Housing Finance Limited	Bond - Corporate Bond	₹4.02 Cr	3.93%
Tata Capital Limited	Bond - Corporate Bond	₹3.04 Cr	2.98%
Titan Co Ltd	Equity	₹3.04 Cr	2.97%
8.28% Govt Stock 2027	Bond - Gov't/Treasury	₹2.68 Cr	2.61%
TVS Motor Co Ltd	Equity	₹2.59 Cr	2.53%
Tata Consultancy Services Ltd	Equity	₹2.27 Cr	2.22%
UNO Minda Ltd	Equity	₹1.58 Cr	1.54%
Net Current Assets	Cash	₹1.53 Cr	1.49%
7.38% Govt Stock 2027	Bond - Gov't/Treasury	₹1.23 Cr	1.20%
Cholamandalam Investment and Finance Co Ltd	Equity	₹1.23 Cr	1.20%
HDFC Bank Ltd	Equity	₹0.96 Cr	0.93%
Corporate Debt Market Development Fund Class A2	Mutual Fund - Open End	₹0.42 Cr	0.41%
Tvs Motor Company Limited	Preferred Stock	₹0.03 Cr	0.03%
Cash Margin - Ccil	Cash - Repurchase Agreement	₹0 Cr	0.00%

Allocation By Market Cap (Equity)

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Consumer Cyclical	₹7.2 Cr	7.04%
Technology	₹2.27 Cr	2.22%
Financial Services	₹2.18 Cr	2.13%

Risk & Performance Ratios

Fund Managers

Harshal Joshi

Since July 2021

Viraj Kulkarni

Since July 2022

Brijesh Shah

Since June 2024

Ritika Behera

Since October 2023

Gaurav Satra

Since June 2024

Additional Scheme Detailsas of 31st December 2025

ISIN

INF194K015B9

Expense Ratio

1.04%

Exit Load

No Charges

Fund Size

₹103 Cr

Age

13 years

Lumpsum Minimum

₹1,000

Fund Status

Open Ended Investment Company

Benchmark

CRISIL Hybrid 85+15 - ConservativeTR INR

Investment 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:

Dividend Taxation:

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 Conservative Allocation Funds

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Nippon India Capital Protection Oriented Fund II Plan A Direct Growth Low Risk	-	-	₹40.32 Cr	9.7%
Nippon India Capital Protection Oriented Fund II Plan A Regular Growth Low Risk	-	-	₹40.32 Cr	8.9%
SBI Capital Protection Oriented Fund Series A (Plan 8) Direct Growth Low to Moderate Risk	-	-	₹29.47 Cr	6.6%
SBI Capital Protection Oriented Fund Series A (Plan 8) Regular Growth Low to Moderate Risk	-	-	₹29.47 Cr	6.0%
ICICI Prudential Regular Savings Fund Direct Growth High Risk	1.0%	1.0%	₹3375.12 Cr	8.3%
Navi Regular Savings Fund Direct Growth Moderate Risk	0.3%	0.0%	₹35.76 Cr	11.3%
Bandhan Regular Savings Fund Direct Growth Moderately High risk	1.0%	0.0%	₹102.54 Cr	7.4%
Nippon India Hybrid Bond Fund Direct Growth High Risk	1.1%	1.0%	₹932.60 Cr	10.3%
ITI Conservative Hybrid Fund Regular Growth Moderate Risk	1.6%	0.0%	₹14.80 Cr	7.4%
ITI Conservative Hybrid Fund Direct Growth Moderate Risk	0.2%	0.0%	₹14.80 Cr	8.9%
Kotak Debt Hybrid Fund Direct Growth Moderately High risk	0.5%	1.0%	₹3131.78 Cr	5.9%
Navi Regular Savings Fund Regular Growth Moderate Risk	2.0%	0.0%	₹35.76 Cr	9.4%
HSBC Conservative Hybrid Fund Direct Growth Moderately High risk	1.2%	0.0%	₹148.63 Cr	3.2%
Bank of India Conservative Hybrid Fund Direct Growth Moderate Risk	1.2%	1.0%	₹65.78 Cr	5.1%
Axis Regular Saver Fund Regular Growth Very High Risk	2.2%	1.0%	₹234.68 Cr	6.2%
UTI Regular Savings Fund Direct Growth Moderately High risk	1.2%	1.0%	₹1701.31 Cr	6.4%
Axis Regular Saver Fund Direct Growth Very High Risk	1.1%	1.0%	₹234.68 Cr	7.5%
HDFC Hybrid Debt Fund Direct Growth Moderately High risk	1.2%	1.0%	₹3372.76 Cr	6.0%
Aditya Birla Sun Life Regular Savings Fund Direct Growth Moderately High risk	0.9%	1.0%	₹1549.13 Cr	8.4%
Baroda BNP Paribas Conservative Hybrid Fund Direct Growth Moderately High risk	0.5%	1.0%	₹832.75 Cr	6.8%
SBI Conservative Hybrid Fund Direct Growth High Risk	1.1%	1.0%	₹9851.37 Cr	7.3%
Sundaram Debt Oriented Hybrid Fund Direct Growth Moderately High risk	0.9%	0.0%	₹19.92 Cr	4.7%
Canara Robeco Conservative Hybrid Fund Direct Growth Moderately High risk	0.7%	1.0%	₹911.14 Cr	5.5%
LIC MF Conservative Hybrid Fund Direct Growth Moderately High risk	1.4%	1.0%	₹49.19 Cr	5.4%
DSP Regular Saving Fund Direct Growth Moderately High risk	0.5%	0.0%	₹180.21 Cr	8.0%
Franklin India Debt Hybrid Fund Direct Growth Moderately High risk	0.8%	0.0%	₹204.88 Cr	6.6%
Kotak Debt Hybrid Fund Regular Growth Moderately High risk	1.7%	1.0%	₹3131.78 Cr	4.6%
Aditya Birla Sun Life Regular Savings Fund Regular Growth Moderately High risk	1.8%	1.0%	₹1549.13 Cr	7.5%
LIC MF Conservative Hybrid Fund Regular Growth Moderately High risk	2.3%	1.0%	₹49.19 Cr	4.4%
Baroda BNP Paribas Conservative Hybrid Fund Regular Growth Moderately High risk	2.0%	1.0%	₹832.75 Cr	5.2%
HDFC Hybrid Debt Fund Regular Growth Moderately High risk	1.8%	1.0%	₹3372.76 Cr	5.4%
HSBC Conservative Hybrid Fund Regular Growth Moderately High risk	2.1%	0.0%	₹148.63 Cr	2.3%
Bank of India Conservative Hybrid Fund Regular Growth Moderate Risk	2.0%	1.0%	₹65.78 Cr	4.2%
Franklin India Debt Hybrid Fund Regular Growth Moderately High risk	1.4%	0.0%	₹204.88 Cr	5.9%
DSP Regular Saving Fund Regular Growth Moderately High risk	1.2%	0.0%	₹180.21 Cr	7.2%
Canara Robeco Conservative Hybrid Fund Regular Growth Moderately High risk	1.8%	1.0%	₹911.14 Cr	4.3%
SBI Conservative Hybrid Fund Regular Growth High Risk	1.5%	1.0%	₹9851.37 Cr	6.8%
Nippon India Hybrid Bond Fund Regular Growth High Risk	1.9%	1.0%	₹932.60 Cr	9.4%
ICICI Prudential Regular Savings Fund Regular Growth High Risk	1.7%	1.0%	₹3375.12 Cr	7.5%
UTI Regular Savings Fund Regular Growth Moderately High risk	1.8%	1.0%	₹1701.31 Cr	5.8%
Parag Parikh Conservative Hybrid Fund Regular Growth Moderately High risk	0.6%	1.0%	₹3167.68 Cr	7.1%
Parag Parikh Conservative Hybrid Fund Direct Growth Moderately High risk	0.3%	1.0%	₹3167.68 Cr	7.4%
Sundaram Debt Oriented Hybrid Fund Regular Growth Moderately High risk	1.9%	0.0%	₹19.92 Cr	3.8%
Bandhan Regular Savings Fund Regular Growth Moderately High risk	2.0%	0.0%	₹102.54 Cr	6.4%

About the AMC

Bandhan Mutual Fund

022-66289999

https://bandhanmutual.com/

Total AUM

₹2,00,531 Cr

Address

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

Other Funds by Bandhan Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Bandhan Healthcare Fund Direct Growth Very High Risk	0.7%	0.0%	₹291.59 Cr	-
Bandhan BSE India Sector Leaders Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹33.43 Cr	-
Bandhan Multi-Factor Fund Direct Growth Very High Risk	0.8%	0.0%	₹558.41 Cr	-
Bandhan CRISIL-IBX Financial Services 3-6 Months Debt Index Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹433.50 Cr	-
Bandhan CRISIL-IBX 10:90 Gilt + SDL Index - Dec 2029 Fund Direct Growth Moderate Risk	0.0%	0.0%	₹0.37 Cr	-
Bandhan Nifty Next 50 Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹23.69 Cr	-
Bandhan Fixed Maturity Plan (FMP) - Series 209 (93 Days) Direct Growth Low to Moderate Risk	-	0.0%	-	-
Bandhan Nifty Alpha Low Volatility 30 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹8.72 Cr	-
Bandhan Nifty 200 Quality 30 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹11.92 Cr	4.0%
Bandhan Nifty 500 Momentum 50 Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹31.52 Cr	-5.6%
Bandhan Nifty 500 Value 50 Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹19.38 Cr	17.1%
Bandhan Business Cycle Fund Direct Growth Very High Risk	0.6%	0.0%	₹1505.15 Cr	6.2%
Bandhan Nifty Midcap 150 Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹30.52 Cr	6.2%
Bandhan BSE Healthcare Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹18.09 Cr	-2.2%
Bandhan Nifty Bank Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹19.92 Cr	20.3%
Bandhan Nifty Total Market Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹40.48 Cr	6.3%
Bandhan Innovation Fund Direct Growth Very High Risk	0.6%	0.0%	₹1946.07 Cr	5.9%
Bandhan Long Duration Fund Direct Growth Moderate Risk	0.3%	0.0%	₹136.13 Cr	3.2%
Bandhan Multi Asset Allocation Fund Direct Growth Very High Risk	0.5%	0.0%	₹2522.53 Cr	21.1%
Bandhan Nifty Smallcap 250 Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹61.66 Cr	-6.2%
Bandhan Nifty Alpha 50 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹525.07 Cr	-8.4%
Bandhan Retirement Fund Direct Growth Moderately High risk	0.7%	0.0%	₹187.84 Cr	8.5%
Bandhan Nifty IT Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹31.20 Cr	-10.0%
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 Low to Moderate Risk	-	0.0%	₹334.47 Cr	8.3%
Bandhan Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹852.16 Cr	5.8%
Bandhan Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹17408.73 Cr	6.5%
Bandhan Core Equity Fund Direct Growth Very High Risk	0.6%	1.0%	₹12783.73 Cr	9.0%
Bandhan Dynamic Bond Fund Direct Growth Moderate Risk	0.7%	0.0%	₹2544.23 Cr	4.2%
Bandhan Large Cap Fund Direct Growth Very High Risk	0.9%	0.0%	₹2051.48 Cr	9.9%
Bandhan Asset Allocation FOF Aggressive Plan Direct Growth High Risk	0.3%	1.0%	₹19.35 Cr	7.0%
Bandhan Government Securities Fund Investment Plan Direct Growth Moderate Risk	0.5%	0.0%	₹2274.92 Cr	4.3%
Bandhan Focused Equity Fund Direct Growth Very High Risk	0.8%	1.0%	₹2090.34 Cr	0.3%
Bandhan Government Securities Fund - Constant Maturity Plan Direct Growth Moderate Risk	0.3%	0.0%	₹350.05 Cr	7.6%
Bandhan Infrastructure Fund Direct Growth Very High Risk	0.9%	0.0%	₹1566.47 Cr	-5.6%
Bandhan Regular Savings Fund Direct Growth Moderately High risk	1.0%	0.0%	₹102.54 Cr	7.4%
Bandhan Bond Fund - Medium Term Plan Direct Growth Moderate Risk	0.7%	0.0%	₹1406.08 Cr	7.2%
Bandhan Bond Fund - Income Plan Direct Growth Moderate Risk	1.3%	1.0%	₹482.12 Cr	4.6%
Bandhan Money Manager Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹14346.34 Cr	7.5%
Bandhan Bond Fund - Short Term Plan Direct Growth Moderate Risk	0.3%	0.0%	₹10530.18 Cr	7.8%
Bandhan Nifty 50 Index Fund Direct Growth Very High Risk	0.1%	0.0%	₹2186.20 Cr	10.4%
Bandhan Sterling Value Fund Direct Growth Very High Risk	0.7%	1.0%	₹10439.66 Cr	5.6%
Bandhan Flexi Cap Fund Direct Growth Very High Risk	1.1%	1.0%	₹7747.19 Cr	9.3%
Bandhan Crisil IBX Gilt November 2026 Index Fund Direct Growth Moderate Risk	0.1%	0.0%	₹103.03 Cr	7.7%
Bandhan Tax Advantage (ELSS) Fund Direct Growth Very High Risk	0.7%	0.0%	₹7327.18 Cr	8.2%
Bandhan Low Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹7046.04 Cr	7.4%
Bandhan Asset Allocation FOF Conservative Plan Direct Growth Moderately High risk	0.2%	1.0%	₹6.61 Cr	8.1%
Bandhan Crisil IBX Gilt April 2026 Index Fund Direct Growth Low Risk	0.2%	0.0%	₹371.40 Cr	6.8%
Bandhan Multi Cap Fund Direct Growth Very High Risk	0.6%	1.0%	₹2889.58 Cr	5.9%

Risk Level

Your principal amount will be at Moderately High risk

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What is the current NAV of Bandhan Regular Savings Fund Direct Growth?

The NAV of Bandhan Regular Savings Fund Direct Growth, as of 09-Jan-2026, is ₹36.76.

What are the returns of Bandhan Regular Savings Fund Direct Growth?

The fund has generated 7.41% over the last 1 year and 8.93% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of Bandhan Regular Savings Fund Direct Growth?

The fund's allocation of assets is distributed as 23.28% in equities, 60.20% in bonds, and 16.08% in cash and cash equivalents.

Who manages the Bandhan Regular Savings Fund Direct Growth?

The fund managers responsible for Bandhan Regular Savings Fund Direct Growth are:-

Harshal Joshi
Viraj Kulkarni
Brijesh Shah
Ritika Behera
Gaurav Satra

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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Fund Overview

Fund Size

₹103 Cr

Expense Ratio

1.04%

ISIN

INF194K015B9

Minimum SIP

₹1,000

Exit Load

No Charges

Inception Date

01 Jan 2013

Risk Level

Your principal amount will be at Moderately High risk