Dezerv

Fund Overview

Fund Size

Fund Size

₹158 Cr

Expense Ratio

Expense Ratio

2.33%

ISIN

ISIN

INF194KB1GN7

Minimum SIP

Minimum SIP

₹1,000

Exit Load

Exit Load

No Charges

Inception Date

Inception Date

19 Oct 2023

About this fund

Bandhan Retirement Fund Regular Growth is a Retirement mutual fund schemes offered by Bandhan Mutual Fund. This fund has been in existence for 6 months and 29 days, having been launched on 19-Oct-23.
As of 17-May-24, it has a Net Asset Value (NAV) of ₹11.52, Assets Under Management (AUM) of 157.87 Crores, and an expense ratio of 2.33%.
  • Bandhan Retirement Fund Regular Growth has given a CAGR return of 15.29% since inception.
  • The fund's asset allocation comprises around 51.58% in equities, 25.32% in debts, and 23.10% in cash & cash equivalents.
  • You can start investing in Bandhan Retirement 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.

Since Inception

+15.29%

(Cat Avg.)

Portfolio Summaryas of 30th April 2024

Equity81.43 Cr51.58%
Debt39.97 Cr25.32%
Others36.47 Cr23.10%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
Cash Offset For DerivativesCash - General Offset33.47 Cr21.20%
7.3% Govt Stock 2053Bond - Gov't/Treasury30.01 Cr19.01%
Reliance Industries LtdEquity10.61 Cr6.72%
7.18% Govt Stock 2037Bond - Gov't/Treasury9.95 Cr6.30%
ICICI Bank LtdEquity7.74 Cr4.90%
Bharti Airtel LtdEquity7.23 Cr4.58%
Larsen & Toubro LtdEquity6.16 Cr3.90%
Titan Co LtdEquity5 Cr3.16%
HDFC Bank LtdEquity4.72 Cr2.99%
Future on Reliance Industries LtdEquity - Future-4.65 Cr2.95%
Future on Bharti Airtel LtdEquity - Future-4.43 Cr2.81%
Axis Bank LtdEquity3.95 Cr2.50%
Future on ICICI Bank LtdEquity - Future-3.81 Cr2.41%
Future on Larsen & Toubro LtdEquity - Future-3.8 Cr2.41%
Future on Titan Corporation LimitedEquity - Future-3.53 Cr2.24%
ITC LtdEquity3.27 Cr2.07%
Future on Maruti Suzuki India LtdEquity - Future-3.09 Cr1.96%
Maruti Suzuki India LtdEquity3.08 Cr1.95%
Future on Kotak Mahindra Bank LtdEquity - Future-2.88 Cr1.82%
Future on Tata Consultancy Services LtdEquity - Future-2.88 Cr1.82%
Tata Consultancy Services LtdEquity2.88 Cr1.82%
HCL Technologies LtdEquity2.87 Cr1.82%
Kotak Mahindra Bank LtdEquity2.86 Cr1.81%
Future on HCL Technologies LtdEquity - Future-2.85 Cr1.81%
Info Edge (India) LtdEquity2.83 Cr1.79%
Jindal Steel & Power LtdEquity2.79 Cr1.76%
Infosys LtdEquity2.63 Cr1.67%
NHPC LtdEquity2.49 Cr1.57%
Power Finance Corp LtdEquity2.41 Cr1.52%
Zomato LtdEquity2.31 Cr1.47%
InterGlobe Aviation LtdEquity2.13 Cr1.35%
Tata Motors LtdEquity2.04 Cr1.29%
Cash Margin - DerivativesCash - Collateral2 Cr1.27%
Coal India LtdEquity1.96 Cr1.24%
Hero MotoCorp LtdEquity1.91 Cr1.21%
Lupin LtdEquity1.86 Cr1.18%
Hindalco Industries LtdEquity1.82 Cr1.15%
UNO Minda LtdEquity1.67 Cr1.06%
Abbott India LtdEquity1.6 Cr1.01%
Cipla LtdEquity1.56 Cr0.99%
Future on Bajaj Finserv LtdEquity - Future-1.54 Cr0.98%
Bajaj Finserv LtdEquity1.53 Cr0.97%
Tech Mahindra LtdEquity1.45 Cr0.92%
Hitachi Energy India Ltd Ordinary SharesEquity1.42 Cr0.90%
IndusInd Bank LtdEquity1.36 Cr0.86%
Cholamandalam Investment and Finance Co LtdEquity1.34 Cr0.85%
Apar Industries LtdEquity1.24 Cr0.79%
Varun Beverages LtdEquity1.08 Cr0.69%
Jindal Stainless LtdEquity1.06 Cr0.67%
Union Bank of IndiaEquity1.02 Cr0.64%
Dhanuka Agritech LtdEquity0.99 Cr0.63%
Macrotech Developers LtdEquity0.81 Cr0.52%
HDFC Life Insurance Company LimitedEquity0.77 Cr0.49%
Sobha LtdEquity0.77 Cr0.48%
Wipro LtdEquity0.76 Cr0.48%
Laurus Labs LtdEquity0.76 Cr0.48%
Max Financial Services LtdEquity0.73 Cr0.46%
Net Receivables/PayablesCash - Collateral0.65 Cr0.41%
Juniper Hotels LtdEquity0.65 Cr0.41%
Mahindra & Mahindra Financial Services LtdEquity0.63 Cr0.40%
Vishnu Chemicals LtdEquity0.62 Cr0.39%
TVS Motor Co LtdEquity0.57 Cr0.36%
Mankind Pharma LtdEquity0.57 Cr0.36%
Central Depository Services (India) LtdEquity0.53 Cr0.33%
Poonawalla Fincorp LtdEquity0.47 Cr0.30%
Zee Entertainment Enterprises LtdEquity0.38 Cr0.24%
PTC India Financial Services LtdEquity0.35 Cr0.22%
Triparty RepoCash - Repurchase Agreement0.34 Cr0.22%
Neogen Chemicals LtdEquity0.25 Cr0.16%
GAIL (India) LtdEquity0.18 Cr0.11%
SBI Cards and Payment Services Ltd Ordinary SharesEquity0.15 Cr0.09%
GPT Healthcare LtdEquity0.11 Cr0.07%
Cash / Bank BalanceCash - Collateral0.01 Cr0.01%
Cash Margin - CcilCash - Collateral0 Cr0.00%

Allocation By Market Cap (Equity)

Large Cap Stocks

37.58%

Mid Cap Stocks

12.26%

Small Cap Stocks

3.98%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

SectorAmount sortHoldings sort
Financial Services30.55 Cr19.35%
Consumer Cyclical17.23 Cr10.91%
Energy12.57 Cr7.96%
Technology12 Cr7.60%
Communication Services10.44 Cr6.62%
Industrials9.53 Cr6.04%
Basic Materials7.52 Cr4.77%
Healthcare6.46 Cr4.09%
Consumer Defensive4.36 Cr2.76%
Utilities2.67 Cr1.69%
Real Estate1.58 Cr1.00%

Risk & Performance Ratios

Standard Deviation

This fund

--

Cat. avg.

--

Lower the better

Sharpe Ratio

This fund

--

Cat. avg.

--

Higher the better

Sortino Ratio

This fund

--

Cat. avg.

--

Higher the better

Fund Managers

GK

Gautam Kaul

Since October 2023

Vishal Biraia

Vishal Biraia

Since January 2024

RB

Ritika Behera

Since October 2023

Additional Scheme Detailsas of 30th April 2024

ISININF194KB1GN7Expense Ratio2.33%Exit LoadNo ChargesFund Size₹158 CrAge19 Oct 2023Lumpsum Minimum₹1,000Fund StatusOpen Ended Investment CompanyBenchmarkCRISIL Hybrid 50+50 - Moderate 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

Withdrawal within 1 year

Flat 15% tax on realised gains (STCG - short term capital gains)

Withdrawal after 1 year

10% tax on realised gains above Rs. 1 lakh per financial year (LTCG - long term capital gains)

Note: Mutual funds are subject to capital gains taxation with surcharge and cess, based on prevailing income tax rules and investor income. Taxation applies to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Retirement Funds

Fund nameExpense RatioExit LoadFund size
1Y
Tata Retirement Savings Moderate Fund Regular Growth

Very High Risk

2.0%1.0%₹1977.17 Cr30.1%
Tata Retirement Savings Conservative Fund Regular Growth

Moderately High risk

2.2%1.0%₹165.87 Cr13.4%
Tata Retirement Savings Progressive Fund Regular Growth

Very High Risk

2.0%1.0%₹1835.96 Cr36.2%
Axis Retirement Savings Fund - Aggressive Plan Regular Growth

Very High Risk

2.3%0.0%₹839.31 Cr30.2%
Axis Retirement Savings Fund - Conservative Plan Direct Growth

High Risk

0.7%0.0%₹75.26 Cr19.1%
Axis Retirement Savings Fund - Aggressive Plan Direct Growth

Very High Risk

0.9%0.0%₹839.31 Cr31.9%
Axis Retirement Savings Fund - Dynamic Plan Regular Growth

Very High Risk

2.4%0.0%₹347.27 Cr31.0%
Axis Retirement Savings Fund - Dynamic Plan Direct Growth

Very High Risk

1.6%0.0%₹347.27 Cr32.9%
Axis Retirement Savings Fund - Conservative Plan Regular Growth

High Risk

2.1%0.0%₹75.26 Cr17.4%
Franklin India Pension Plan Regular Growth

Moderately High risk

2.3%3.0%₹503.50 Cr18.6%

About the AMC

Total AUM

₹1,34,828 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

0.4%0.0%₹1389.26 Cr-
Bandhan Nifty Smallcap 250 Index Fund Direct Growth

Very High Risk

0.2%0.0%₹28.94 Cr-
Bandhan Nifty Alpha 50 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹56.76 Cr-
Bandhan Retirement Fund Direct Growth

Very High Risk

0.6%0.0%₹157.87 Cr-
Bandhan Nifty IT Index Fund Direct Growth

Very High Risk

0.4%0.0%₹18.03 Cr-
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%₹286.43 Cr7.0%
Bandhan Overnight Fund Direct Growth

Low Risk

0.1%0.0%₹1362.17 Cr6.8%
Bandhan Liquid Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹13494.31 Cr7.4%
Bandhan Core Equity Fund Direct Growth

Very High Risk

0.8%1.0%₹4394.78 Cr58.3%
Bandhan Dynamic Bond Fund Direct Growth

Moderate Risk

0.8%0.0%₹2319.73 Cr7.8%
Bandhan Large Cap Fund Direct Growth

Very High Risk

0.9%0.0%₹1396.11 Cr34.4%
Bandhan Asset Allocation FOF Aggressive Plan Direct Growth

High Risk

0.5%1.0%₹17.98 Cr27.0%
Bandhan Government Securities Fund Investment Plan Direct Growth

Moderate Risk

0.5%0.0%₹2196.84 Cr8.1%
Bandhan Focused Equity Fund Direct Growth

Very High Risk

0.8%1.0%₹1542.62 Cr34.2%
Bandhan Government Securities Fund - Constant Maturity Plan Direct Growth

Moderate Risk

0.3%0.0%₹327.31 Cr6.4%
Bandhan Infrastructure Fund Direct Growth

Very High Risk

1.0%0.0%₹1171.09 Cr84.9%
Bandhan Regular Savings Fund Direct Growth

Moderately High risk

1.2%0.0%₹116.20 Cr10.5%
Bandhan Bond Fund - Medium Term Plan Direct Growth

Moderate Risk

0.8%0.0%₹1581.38 Cr6.2%
Bandhan Bond Fund - Income Plan Direct Growth

Moderate Risk

1.3%1.0%₹491.18 Cr5.9%
Bandhan Money Manager Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹4531.17 Cr7.5%
Bandhan Bond Fund - Short Term Plan Direct Growth

Moderate Risk

0.3%0.0%₹8649.34 Cr7.0%
Bandhan Nifty 50 Index Fund Direct Growth

Very High Risk

0.1%0.0%₹1219.39 Cr24.7%
Bandhan Sterling Value Fund Direct Growth

Very High Risk

0.7%1.0%₹8569.07 Cr44.5%
Bandhan Flexi Cap Fund Direct Growth

Very High Risk

1.2%1.0%₹7004.20 Cr36.9%
Bandhan Crisil IBX Gilt November 2026 Index Fund Direct Growth

Moderate Risk

0.2%0.0%₹113.86 Cr6.9%
Bandhan Tax Advantage (ELSS) Fund Direct Growth

Very High Risk

0.6%0.0%₹6432.29 Cr37.8%
Bandhan Low Duration Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹5228.75 Cr7.2%
Bandhan Asset Allocation FOF Conservative Plan Direct Growth

Moderately High risk

0.3%1.0%₹6.16 Cr12.6%
Bandhan Crisil IBX Gilt April 2026 Index Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹481.99 Cr6.6%
Bandhan Multi Cap Fund Direct Growth

Very High Risk

0.5%1.0%₹2093.84 Cr43.5%
Bandhan Financial Services Fund Direct Growth

Very High Risk

0.6%0.0%₹802.19 Cr-
Bandhan Floating Rate Fund Direct Growth

Moderate Risk

0.3%0.0%₹208.74 Cr7.1%
Bandhan Arbitrage Fund Direct Growth

Low Risk

0.4%0.0%₹5733.27 Cr8.3%
Bandhan US Equity Fund of Fund Direct Growth

Very High Risk

0.5%1.0%₹295.68 Cr42.6%
Bandhan CRISIL IBX Gilt June 2032 Index Fund Direct Growth

Moderate Risk

-0.0%₹381.32 Cr6.4%
Bandhan Crisil IBX Gilt September 2027 Index Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹168.11 Cr6.8%
Bandhan Crisil IBX Gilt April 2032 Index Fund Direct Growth

Moderate Risk

0.2%0.0%₹350.10 Cr6.7%
Bandhan Ultra Short Term Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹3962.02 Cr7.4%
Bandhan Asset Allocation FOF Moderate Plan Direct Growth

High Risk

0.4%1.0%₹18.35 Cr19.9%
Bandhan Equity Savings Fund Direct Growth

Moderate Risk

0.4%0.0%₹113.46 Cr11.5%
Bandhan US Treasury Bond 0-1 year Fund of Fund Direct Growth

Very High Risk

0.1%0.0%₹174.46 Cr6.5%
Bandhan Nifty100 Low Volatility 30 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹494.55 Cr31.5%
Bandhan All Seasons Bond Fund Direct Growth

Moderate Risk

0.1%0.0%₹116.93 Cr6.8%
Bandhan Nifty200 Momentum 30 Index Fund Direct Growth

Very High Risk

0.4%0.0%₹63.04 Cr69.2%
Bandhan Emerging Businesses Fund Direct Growth

Very High Risk

0.4%1.0%₹4994.19 Cr75.8%
Bandhan Hybrid Equity Fund Direct Growth

Very High Risk

1.1%1.0%₹693.61 Cr26.1%
Bandhan Nifty 100 Index Fund Direct Growth

Very High Risk

0.1%0.0%₹122.87 Cr30.9%
Bandhan Credit Risk Fund Direct Growth

Moderately High risk

0.7%1.0%₹350.99 Cr7.1%

Risk Level

Your principal amount will be at Very High Risk

Very High Risk
Wealth Monitor

Unlock Expert Insights!

Maximise Returns with our Wealth Monitor App. Try it now!

Still got questions?
We're here to help.

The NAV of Bandhan Retirement Fund Regular Growth, as of 17-May-2024, is ₹11.52.
The fund's allocation of assets is distributed as 51.58% in equities, 25.32% in bonds, and 23.10% in cash and cash equivalents.
The fund managers responsible for Bandhan Retirement Fund Regular Growth are:-
  1. Gautam Kaul
  2. Vishal Biraia
  3. Ritika Behera