Bandhan Regular Savings Fund Direct Growth
HybridConservative AllocationModerately High risk
Direct
NAV (18-Jun-25)
Returns (Since Inception)
Fund Overview
Fund Size
₹117 Cr
Expense Ratio
1.05%
ISIN
INF194K015B9
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
01 Jan 2013
About this fund
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹35.66, Assets Under Management (AUM) of 116.61 Crores, and an expense ratio of 1.05%.
- Bandhan Regular Savings Fund Direct Growth has given a CAGR return of 8.49% since inception.
- The fund's asset allocation comprises around 24.68% in equities, 65.26% in debts, and 9.71% 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
+7.17%
+7.75% (Cat Avg.)
3 Years
+9.60%
+10.72% (Cat Avg.)
5 Years
+8.31%
+10.94% (Cat Avg.)
10 Years
+7.73%
+8.69% (Cat Avg.)
Since Inception
+8.49%
— (Cat Avg.)
Portfolio Summaryas of 31st May 2025
| Equity | ₹28.78 Cr | 24.68% |
| Debt | ₹76.1 Cr | 65.26% |
| Others | ₹11.73 Cr | 10.06% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.3% Govt Stock 2053 | Bond - Gov't/Treasury | ₹31.81 Cr | 27.28% |
| Bandhan Nifty 50 ETF | Mutual Fund - ETF | ₹16.92 Cr | 14.51% |
| 7.18% Govt Stock 2033 | Bond - Gov't/Treasury | ₹15.87 Cr | 13.61% |
| Bajaj Finance Limited | Bond - Corporate Bond | ₹10.03 Cr | 8.60% |
| Triparty Repo Trp_020625 | Cash - Repurchase Agreement | ₹9.03 Cr | 7.75% |
| Godrej Industries Limited | Bond - Corporate Bond | ₹5.11 Cr | 4.38% |
| Godrej Housing Finance Limited | Bond - Corporate Bond | ₹4.1 Cr | 3.51% |
| Muthoot Finance Limited | Bond - Corporate Bond | ₹4.05 Cr | 3.47% |
| 8.28% Govt Stock 2027 | Bond - Gov't/Treasury | ₹2.71 Cr | 2.32% |
| Titan Co Ltd | Equity | ₹2.67 Cr | 2.29% |
| Tata Consultancy Services Ltd | Equity | ₹2.45 Cr | 2.10% |
| Net Current Assets | Cash | ₹2.28 Cr | 1.96% |
| TVS Motor Co Ltd | Equity | ₹1.93 Cr | 1.66% |
| 7.38% Govt Stock 2027 | Bond - Gov't/Treasury | ₹1.24 Cr | 1.06% |
| UNO Minda Ltd | Equity | ₹1.24 Cr | 1.06% |
| Cholamandalam Investment and Finance Co Ltd | Equity | ₹1.16 Cr | 0.99% |
| Rec Limited | Bond - Corporate Bond | ₹1 Cr | 0.85% |
| Godrej Consumer Products Ltd | Equity | ₹0.97 Cr | 0.83% |
| HDFC Bank Ltd | Equity | ₹0.94 Cr | 0.80% |
| Corporate Debt Market Development Fund Class A2 | Mutual Fund - Open End | ₹0.41 Cr | 0.35% |
| Axis Bank Ltd | Equity | ₹0.34 Cr | 0.29% |
| 7.17% Govt Stock 2028 | Bond - Gov't/Treasury | ₹0.19 Cr | 0.16% |
| IndusInd Bank Ltd | Equity | ₹0.18 Cr | 0.15% |
| Cash Margin - Ccil | Cash - Repurchase Agreement | ₹0 Cr | 0.00% |
Allocation By Market Cap (Equity)
Large Cap Stocks
23.28%
Mid Cap Stocks
1.38%
Small Cap Stocks
--
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Consumer Cyclical | ₹5.84 Cr | 5.00% |
| Financial Services | ₹2.61 Cr | 2.24% |
| Technology | ₹2.45 Cr | 2.10% |
| Consumer Defensive | ₹0.97 Cr | 0.83% |
Risk & Performance Ratios
Standard Deviation
This fund
3.89%
Cat. avg.
3.91%
Lower the better
Sharpe Ratio
This fund
0.62
Cat. avg.
0.85
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
1.54
Higher the better
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 May 2025
ISIN | INF194K015B9 | Expense Ratio | 1.05% | Exit Load | No Charges | Fund Size | ₹117 Cr | Age | 12 years 5 months | 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:
- If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
- If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
- Holding the units: No tax is applicable as long as you continue to hold the units.
Dividend Taxation:
Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) 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 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% | ₹3188.48 Cr | 9.8% |
| 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 | 1.1% | 0.0% | ₹116.61 Cr | 7.2% |
| Nippon India Hybrid Bond Fund Direct Growth High Risk | 1.1% | 1.0% | ₹885.65 Cr | 9.4% |
| 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% |
About the AMC
Total AUM
₹1,69,192 Cr
Address
6th Floor, 841, One World Center, Mumbai, 400013
Other Funds by Bandhan Mutual Fund
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?
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What is the portfolio composition of Bandhan Regular Savings Fund Direct Growth?
Who manages the Bandhan Regular Savings Fund Direct Growth?
- Harshal Joshi
- Viraj Kulkarni
- Brijesh Shah
- Ritika Behera
- Gaurav Satra
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
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