Bandhan Retirement Fund Direct Growth

Bandhan Retirement Fund Direct Growth

NAV as on 31-03-2025

₹ 12.16

-0.2%

1D

Inception Returns

14.6%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
289 people have invested ₹ 3.2L in Bandhan Retirement Fund Direct Growth in the last three months

About Bandhan Retirement Fund Direct Growth

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 ₹165 Cr worth of assets under management (AUM) as on Feb 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 14.56% since inception. Over the last 1 year the fund has given a CAGR return of 7.59%.

Holdings

Bandhan Retirement Fund Direct Growth has allocated its funds majorly in Government, Cash Equivalent, Financial Services, Consumer Cyclical, Communication, Tech, Industrial, 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.

Bandhan Retirement Fund Direct Growth Overview

Expense ratio0.74%
Benchmark
CRISIL Hybrid 50+50 - Moderate TR INR
AUM₹165 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

Trailing Returns

as on (31-Mar-25)

Period
Bandhan Retirement Fund Direct Growth
Retirement Index
1M
4.1%
-
3M
-1.5%
-
6M
-5.5%
-
1Y
7.6%
-

Fund Distribution

as on (28-Feb-25)

  • Equity 52.8%

  • Debt & Cash 47.2%

Large cap
55.7%

Mid cap
8.7%

Small cap
3.7%

Sector Allocation

Feb'25

Jan'25

Dec'24

Financial Services
28.3%
Consumer Cyclical
14%
Communication
10.7%
Tech
10.4%
Industrial
9.9%
Energy
9.1%
Basic Materials
7.2%
Consumer Defensive
4.5%
Health
3%
Utilities
1.8%
Real Estate
1.2%
All changes are between Oct'69 and Dec'69
Parameters
Feb'25
Jan'25
Dec'24
AUM
₹ 165.5 Cr
₹ 174.2 Cr
₹ 173.4 Cr
  • AUM of the fund stands at 165.5 Cr as of Feb'25
  • AUM decreased by 8.7 Cr between Feb'25 and Jan'25
Top Stocks bought last month
Hitachi Energy India Ltd Ordinary Shares's allocation increased from 1.02% to 1.23%
Hitachi Energy India Ltd Ordinary Shares's allocation increased from 1.02% to 1.23%
Lupin Ltd's allocation increased from 0.74% to 0.85%
Lupin Ltd's allocation increased from 0.74% to 0.85%
Info Edge (India) Ltd's allocation increased from 2.23% to 2.33%
Info Edge (India) Ltd's allocation increased from 2.23% to 2.33%
Top Stocks sold last month
Reliance Industries Ltd's allocation decreased from 5.39 % to 5.04 %
Reliance Industries Ltd's allocation decreased from 5.39 % to 5.04 %
Bharti Airtel Ltd's allocation decreased from 5.13 % to 4.98 %
Bharti Airtel Ltd's allocation decreased from 5.13 % to 4.98 %
ICICI Bank Ltd's allocation decreased from 5.04 % to 4.95 %
ICICI Bank Ltd's allocation decreased from 5.04 % to 4.95 %

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

Feb'25
Government
52%
Financial Services
28%
Consumer Cyclical
14%
Jan'25
Government
53%
Financial Services
27%
Consumer Cyclical
14%
Fund
Feb'25
Jan'25
Dec'24
No of Holdings
74
74
76
Top 5 Company Concentration
21.9%
22.1%
21.7%
Company having highest exposure
Reliance Industries Ltd (5.2%)
Reliance Industries Ltd (5.4%)
Reliance Industries Ltd (5%)
No of Sectors
12
12
12
Top 5 Sectors Concentration
115.7%
117.5%
112.5%
Sector having highest exposure
Government (52.4%)
Government (52.8%)
Government (48.3%)
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Gautam Kaul
Gautam Kaul
Fund Manager of Bandhan Retirement Fund Direct Growth, since 19 October 2023
Viraj Kulkarni
Viraj Kulkarni
Fund Manager of Bandhan Retirement Fund Direct Growth, since 2 December 2024
Fund House
Bandhan Asset Management Company Limited
Total AUM
₹1.67L Cr
as on 28-Feb-2025
Address
Bandhan Asset Management Company Limited,6th Floor, 841, One World Center,Jupiter Mill, Senapati Bapat Marg, Elphinstone Road (West), Mumbai
Phone
022-66289999
Website
investormf@bandhanamc.com

Bandhan Retirement Fund Direct Growth Highlights

Risk meter
pointer

Very High Risk

Investors understand that their principal will be at Very High Risk
About the fund

About the fund

This fund has delivered an average annual returns of 14.56% since inception which is more than its category average return of 10.21%
Fund Allocations

Fund Allocations

This fund has an allocation of 52.84% in Equity, 24.69% in Debt and 22.47% in Cash related instruments
AUM size ₹165 Cr

AUM size ₹165 Cr

This fund has AUM of ₹165 Cr which is less than its category average of ₹ 731 Cr
Expense Ratio 0.74%

Expense Ratio 0.74%

This fund has an expense ratio of 0.74% which is less than its category average expense ratio of 1.55%

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5Y CAGR

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5Y CAGR

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5Y CAGR

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Frequently Asked Questions for Bandhan Retirement Fund Direct Growth

The current NAV of Bandhan Retirement Fund Direct Growth is ₹12.16 as on 31-Mar-2025.
Existing (Absolute + CAGR) as on 31-Mar-2025.
Bandhan Retirement Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
4.06%
4.06%
6 Month Returns
-5.47%
-5.47%
1 Year Returns
7.59%
7.59%
3 Years Returns
0%
0%
5 Years Returns
0%
0%
With INDmoney, the process of investing is very simple and involves zero commission.
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  • 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.
0.74% as on March 2025
₹165 Cr as on March 2025
7.3% Govt Stock 2053(24.69%), Reliance Industries Ltd(5.24%), Bharti Airtel Ltd(5.19%), ICICI Bank Ltd(4.89%), Larsen & Toubro Ltd(3.28%) as on March 2025
Government(24.69%), Cash Equivalent(22.47%), Financial Services(14.96%) as on March 2025
AAA
100
Gautam Kaul, Viraj Kulkarni are the fund managers of Bandhan Retirement Fund Direct Growth
The Exit load of Bandhan Retirement Fund Direct Growth is 0%