Bandhan Retirement Fund Direct Growth

Bandhan Retirement Fund Direct Growth

Get the latest NAV of Bandhan Retirement Fund Direct Growth. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹12.65

2.2%1D

NAV as on 12 May 2025

16.27%/per year

Since Inception

Absolute Gain%

263 people have invested ₹ 2.8L in Bandhan Retirement Fund Direct Growth in the last three months

Fund Performance

as on (12-May-25)

Period
This Fund
Retirement Index
1 Month
5.34%
-
3 Months
5.63%
-
6 Months
3.24%
-
1 Year
10.69%
-

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
Inception Returns
Bandhan Retirement Fund
-
172Cr
0.72%
10.69%
-
16.27%
Tata Retirement Savings Moderate Fund Direct Growth
2/10
2,067Cr
0.63%
13.98%
18.96%
15.92%
SBI Retirement Benefit Fund Aggressive Direct Growth
3/10
2,753Cr
0.88%
8.93%
19.88%
18.22%
HDFC Retirement Savings Fund Equity Direct Growth
4/10
5,983Cr
0.94%
13.6%
24.68%
20.62%

Bandhan Retirement Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

  • 1-time

  • SIP

Total Investment

0

Profit


Total Corpus

0

Absolute Return

Bandhan Retirement Fund Asset Allocation

as on (31-Mar-25)

Fund Distribution

as on (31-Mar-25)

Equity 54%

Debt & Cash 46%

Large cap
57%

Mid cap
8.9%

Small cap
3.8%

Bandhan Retirement Fund Sector Allocation

as on (31-Mar-25)

Sector Allocation

Equity 54%

Debt & Cash 46%

Financial Services
27.5%
Consumer Cyclical
14.1%
Tech
11.9%
Communication
10.2%
Energy
9.3%
Industrial
8.4%
Basic Materials
7.4%
Consumer Defensive
5%
Health
3.1%
Utilities
1.9%
Real Estate
1.2%

Top 3 Sectors in March were Government, Financial Services & Consumer Cyclical

Mar'25

Government

53%

Financial Services

29%

Consumer Cyclical

13%

Feb'25

Government

52%

Financial Services

28%

Consumer Cyclical

14%

Bandhan Retirement Fund Holdings Details

as on (30-Apr-25)

Equity

Debt & Cash

Holdings
Weight%
1M Change
Bharti Airtel Ltd
5.52%
0%
Reliance Industries Ltd
5.37%
0%
ICICI Bank Ltd
5.28%
0%
Larsen & Toubro Ltd
3.48%
0%
HDFC Bank Ltd
3.3%
0%
Top Stocks bought last month
Varun Beverages Ltd's allocation increased from 0.62% to 0.67%
Varun Beverages Ltd's allocation increased from 0.62% to 0.67%

Bandhan Retirement Fund Direct Growth Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio0.72%
Benchmark
CRISIL Hybrid 50+50 - Moderate TR INR
AUM₹172 Cr
Inception Date19 October, 2023
Min Lumpsum/SIP₹1000/₹100
Exit Load0%
Lock InNo Lock-in
TurnOver
35.34%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Very High Risk

About Bandhan Retirement Fund

Bandhan Retirement Fund Direct Growth is a hybrid fund. This fund was started on 19 October, 2023. The fund is managed by Gautam Kaul, Viraj Kulkarni. This fund gives you the benefit of diversification.

Key Parameters

  1. Bandhan Retirement Fund Direct Growth has ₹172 Cr worth of assets under management (AUM) as on Mar 2025 and is less than category average.
  2. The fund has an expense ratio 0.7.

Returns

Bandhan Retirement Fund Direct Growth has given a CAGR return of 16.27% since inception. Over the last 1 year the fund has given a CAGR return of 10.69%.

Holdings

Bandhan Retirement Fund Direct Growth has allocated its funds majorly in Government, Cash Equivalent, Financial Services, Consumer Cyclical, Communication, Industrial, Tech, Energy, Basic Materials, Consumer Defensive, Health, Utilities, Real Estate.

Taxation

As it is a retirement mutual fund the taxation is as follows:
If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:
For short term (less than a year) capital gains will be taxed at 20%
For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefit
Long term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).

Investment objective of Bandhan Retirement Fund Direct Growth

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. There is no assurance or guarantee that the objectives of the scheme will be realised.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 1000.00 and for SIP is INR 100.00. Bandhan Retirement Fund Direct Growth has no lock in period.

Fund Manager

Gautam Kaul

Fund Manager of Bandhan Retirement Fund Direct Growth, since 19 October 2023

Viraj Kulkarni

Fund Manager of Bandhan Retirement Fund Direct Growth, since 2 December 2024

Learn more about Bandhan Mutual Fund
Parameters
Mar'25
Feb'25
Jan'25
AUM
₹ 171.7 Cr
₹ 165.5 Cr
₹ 174.2 Cr
  • AUM of the fund stands at 171.7 Cr as of Mar'25
  • AUM increased by 6.2 Cr between Mar'25 and Feb'25

Frequently Asked Questions for Bandhan Retirement Fund Direct Growth

What is the current NAV of Bandhan Retirement Fund Direct Growth?

The current NAV of Bandhan Retirement Fund Direct Growth is ₹12.65 as on 12-May-2025.

What are the average returns of Bandhan Retirement Fund Direct Growth?

Existing (Absolute + CAGR) as on 12-May-2025.
Bandhan Retirement Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
5.34%
5.34%
6 Month Returns
3.24%
3.24%
1 Year Returns
10.69%
10.69%
3 Years Returns
0%
0%

How do I invest in Bandhan Retirement Fund Direct Growth?

With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.

What is the expense ratio of Bandhan Retirement Fund Direct Growth?

0.72% as on April 2025

What is net assets under management (AUM) of Bandhan Retirement Fund Direct Growth?

₹172 Cr as on April 2025

What are the top 5 holdings of Bandhan Retirement Fund Direct Growth?

7.3% Govt Stock 2053(24.41%), Bharti Airtel Ltd(5.52%), Reliance Industries Ltd(5.37%), ICICI Bank Ltd(5.28%), Larsen & Toubro Ltd(3.48%) as on April 2025

What are the top 3 sectors that this Bandhan Retirement Fund Direct Growth has invested in?

Government(24.41%), Cash Equivalent(21.59%), Financial Services(15.69%) as on April 2025

What is the credit rating breakup of Bandhan Retirement Fund Direct Growth?

AAA
100

Who is the manager of Bandhan Retirement Fund Direct Growth?

Gautam Kaul, Viraj Kulkarni are the fund managers of Bandhan Retirement Fund Direct Growth

What is the exit load of Bandhan Retirement Fund Direct Growth?

The Exit load of Bandhan Retirement Fund Direct Growth is 0%