Bandhan Banking & PSU Fund Direct Growth

Bandhan Banking & PSU Fund Direct Growth

Debt

Bandhan Mutual Fund

Banking & Psu

Get the latest NAV of Bandhan Banking & PSU 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.

₹25.64

NAV as on 16 Sep 2025

7.81%/per year

Since Inception

Absolute Gain%

▲▼

293 people have invested ₹ 52.9L in Bandhan Banking & PSU Fund Direct Growth in the last three months

Bandhan Banking & PSU Fund Performance vs. Banking and PSU Index

Fund returns vs Benchmark returns vs Category Average returns as on (16-Sep-25)

The fund has consistently outperformed the benchmark (Banking and PSU Index) over the last 1Y, 3Y, 5Y time periods.

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
0.38%
1.05%
4.32%
7.87%
7.49%
6.21%
Banking and PSU Index
0.28%
0.9%
4.23%
7.06%
6.4%
5.33%
Banking & Psu Avg
0.27%
0.88%
4.4%
7.68%
7.22%
6.52%
Best in Banking & Psu
0.45%
1.39%
4.9%
8.47%
7.83%
7.31%
Worst in Banking & Psu
0.17%
0.83%
3.96%
7.48%
7.01%
5.74%
Category Rank
11/12
11/12
7/12
5/12
3/11
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Bandhan Banking & PSU Fund Ranking and Peer Comparison

Ranked based on performance, risk management and cost efficiency

10
/12
11% Performance
86% Risk Management
81% Cost

Ranked 10 out of 12 mutual funds in the banking & psu category as per INDmoney.

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
Bandhan Banking & PSU Fund
10/12
13,253Cr
0.33%
7.87%
7.49%
-0.10
1.01
0.71
1.39
-0.22
Kotak Banking and PSU Debt Fund Direct Growth
1/12
5,795Cr
0.4%
7.95%
7.78%
0.06
1.25
0.85
1.71
0.41
HDFC Banking & PSU Debt Fund Direct Growth
2/12
5,890Cr
0.39%
8.05%
7.7%
-0.04
1.26
0.77
1.53
0.26
ICICI Prudential Banking and PSU Debt Fund Direct Growth
3/12
10,157Cr
0.39%
8.21%
7.86%
0.47
0.82
1.26
2.79
0.62
See all

Bandhan Banking & PSU Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

  • 1-time

  • SIP

Total Investment

0

Profit

Total Corpus

0

Absolute Return
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Bandhan Banking & PSU Fund Asset Allocation

See fund asset allocation details as on (14-Sep-25)

Fund Distribution

as on (14-Sep-25)

AAA
100%
Cash allocation has gone up from 7.6% to 9.3%
Cash allocation has gone up from 7.6% to 9.3%
Debt allocation has gone down from 92.1% to 90.3%
Debt allocation has gone down from 92.1% to 90.3%

Bandhan Banking & PSU Fund Sector Allocation

See fund sector allocation details as on (14-Sep-25)

Sector Allocation

Government
48.4%
Corporate
37.5%
Cash Equivalent
14.2%

Top 2 Sectors in August were Government, Corporate

Aug'25

Government

53%

Corporate

43%

Jul'25

Government

53%

Corporate

43%

Bandhan Banking & PSU Fund Direct Growth Overview

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

Expense ratio0.33%
Benchmark
NIFTY Banking & PSU Debt TR INR
AUM₹13253 Cr
Inception Date7 March, 2013
Min Lumpsum/SIP₹1000/₹100
Exit Load0%
Lock InNo Lock-in
TurnOver
179.96%
Risk
Risk meter
pointer
Moderate Risk

About Bandhan Banking & PSU Fund

Bandhan Banking & PSU Fund Direct Growth is a debt fund. This fund was started on 7 March, 2013. The fund is managed by Suyash Choudhary, Brijesh Shah, Gautam Kaul. This fund is suitable to keep your money safe.

Key Parameters

  1. Bandhan Banking & PSU Fund Direct Growth has ₹13253 Cr worth of assets under management (AUM) as on Sep 2025 and is more than category average.
  2. The fund has an expense ratio 0.3.

Returns

Bandhan Banking & PSU Fund Direct Growth has given a CAGR return of 7.81% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 7.87%, 7.49% and 6.21% respectively.

Holdings

Bandhan Banking & PSU Fund Direct Growth has allocated its funds majorly in Government, Corporate, Cash Equivalent. Its top holdings are 7.18% Govt Stock 2033, National Housing Bank, Indian Railway Finance Corporation Limited, 7.26% Govt Stock 2033, National Bank For Agriculture And Rural Development

Taxation

As it is a banking & psu mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of Bandhan Banking & PSU Fund Direct Growth

The Scheme seeks to generate returns through investments in debt and money market instruments predominantly issued by entities such as Banks, Public Sector Undertakings (PSUs) and Public Financial Institutions (PFIs).

Minimum Investment and lockin period

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

Fund Manager

Suyash Choudhary

Fund Manager of Bandhan Banking & PSU Fund Direct Growth, since 28 July 2021

Brijesh Shah

Fund Manager of Bandhan Banking & PSU Fund Direct Growth, since 10 June 2024

Gautam Kaul

Fund Manager of Bandhan Banking & PSU Fund Direct Growth, since 1 December 2021

Learn more about Bandhan Mutual Fund
Parameters
Aug'25
Jul'25
Jun'25
AUM
₹ 13.3K Cr
₹ 13.4K Cr
₹ 13.5K Cr
  • AUM of the fund stands at 13.3K Cr as of Aug'25
  • AUM decreased by 139.1 Cr between Aug'25 and Jul'25

Frequently Asked Questions for Bandhan Banking & PSU Fund Direct Growth

How do I invest in Bandhan Banking & PSU Fund?

INDmoney makes it simple to invest in the Bandhan Banking & PSU Fund. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘Bandhan Banking & PSU Fund’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

What is the current NAV of Bandhan Banking & PSU Fund?

The NAV of the fund today is ₹25.64. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

Bandhan Banking & PSU Fund fund has generated a return of 7.87% in 1 year, 7.49% in 3 years, 6.21% in 5 years.

Who is the fund manager of Bandhan Banking & PSU Fund?

The fund managers are Suyash Choudhary, Brijesh Shah, Gautam Kaul.

What is the expense ratio of the fund?

The expense ratio is 0.33%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹13253 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of Bandhan Banking & PSU Fund?

The top 3 holdings of the fund are 7.18% Govt Stock 2033(10.81%), National Housing Bank(4.71%), Indian Railway Finance Corporation Limited(3.99%)