BANDHAN RETIREMENT FUND
NAV
₹13.35
as of 21 Aug 2026
BANDHAN RETIREMENT FUND is an open-ended Retirement Fund scheme from Bandhan Mutual Fund managing ₹183 crore (as of 30 Jun 2026). Its Direct-plan NAV is ₹13.35 as of 21 Aug 2026. The expense ratio is 0.71% a year. Managed by Gautam Kaul. This page is factual data only — it carries no rating and no recommendation.
Key facts
- Expense ratio
- 0.71% / yr
- as of 30 Jun 2026
- Fund size
- ₹183 crore
- as of 30 Jun 2026
- Exit load
- None
- SIP available
- Yes
- Launched
- 18 Oct 2023
- ISIN
- INF194KB1GU2
₹100 invested, fund vs category
The category line is the average of the funds in this category, built from NYVO’s own NAV data.
Rebased to 100data to 20 Aug 2026Benchmark: NIFTY 50 Hybrid Composite Debt 50:50 Index
BANDHAN RETIREMENT FUND
₹133
+33% on ₹100 over 2.8 yrs
Retirement Fund average
₹135
+35% on ₹100 over 2.8 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 6 months | 0.72% | – | – |
| 1 year | 2.75% | – | – |
| 3 years (CAGR) | 10.71% | – | – |
No category average is available for this fund. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.
A single return number depends on its start date. These are ALL the overlapping holding periods, so the worst case is visible — read that number first.
1-year holding periods
- Worst
- 1.5%
- Median
- 7.6%
- Best
- 28.0%
21 windows over the last 32 months, stepped monthly; 100% ended positive. Worst window began 1 Oct 2024. Windows overlap — this is the range of past start dates, not a probability of anything.
Distance below its own peak
Every dip below 0 is the fund trading under a previous high — how deep and for how long is what a drawdown feels like.
Right now
-1.0% below peak
Where the money actually is
Equity
61.6%
Bonds
21.9%
Cash
16.6%
Whole-portfolio split, as of 30 Jun 2026. The size split below covers only the equity slice of this.
What it owns
65 positions · top 10 = 52.8%
Market-cap mix (equity sleeve)
Large 50.8%Mid 10.4%Small 4.6%Other 34.1%
as of 30 Jun 2026
Holdings by sector
Financial Services(3 in top 10)22.0%
- HDFC Bank Ltd4.58%
- ICICI Bank Ltd4.51%
- Kotak Mahindra Bank Ltd3.50%
Consumer Cyclical(1 in top 10)9.0%
- Titan Co Ltd3.35%
Industrials(2 in top 10)8.8%
- Larsen & Toubro Ltd3.88%
- Hitachi Energy India Ltd Ordinary Shares2.83%
Communication Services(1 in top 10)6.9%
- Bharti Airtel Ltd5.54%
Energy(1 in top 10)6.2%
- Reliance Industries Ltd5.12%
- Basic Materials6.0%
- Consumer Defensive4.3%
- Technology3.3%
Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 30 Jun 2026. Portfolio turnover 12.7% a year.
Other top holdings
- 7.3% Govt Stock 2053matures 19 Jun 205321.86%
- Triparty Repo Trp_0107267.10%
The debt it holds (debt sleeve)
- Yield to maturity
- 6.90% vs category 6.79%
- Modified duration
- 8.68 yrs vs category 5.29 yrs
- Average maturity
- 20.05 yrs vs category 11.63 yrs
- Average coupon
- 7.30%
- Government securities
- 21.9%
Credit quality
- AAA
- 100.0%
Government securities are counted inside AAA by the data provider’s ladder; the sovereign share is listed separately above. Credit quality as of 30 Jun 2026.
Portfolio characteristics as of 30 Jun 2026. Yield to maturity is what the portfolio would return if every holding were held to maturity and paid in full. It is not a forecast of the fund’s return, and it is quoted before expenses.
Money in, money out
- Net flow, 12 months
- −₹0 cr
- Net flow, 3 months
- −₹2 cr
as of 30 Jun 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of BANDHAN RETIREMENT FUND?
- ₹13.35 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of BANDHAN RETIREMENT FUND?
- 0.71% a year for the Direct plan, as of 30 Jun 2026.
- How large is BANDHAN RETIREMENT FUND?
- ₹183 crore under management as of 30 Jun 2026, in the Retirement Fund category.
- How risky is BANDHAN RETIREMENT FUND?
- Its SEBI Riskometer reading is "Moderately High Risk". A goal-linked wrapper with a lock-in until retirement or five years.
- Who manages BANDHAN RETIREMENT FUND?
- Gautam Kaul, managing this fund for 2.8 years.
Where this fund sits
Its shelf, all funds
Rt · Retirement fund →
A goal-linked wrapper with a lock-in until retirement or five years.
The money map
How big this shelf is in India →
The whole industry sized by real money, from AMFI’s monthly data.
Side by side
Compare this fund →
Put it next to any other fund — growth, returns, risk and cost in one table.
One bet or two?
Check its overlap →
See whether it owns the same stocks as your other funds.
Other Retirement Fund funds
- HDFC Retirement Savings Fund - Equity Plan₹7,014 crore
- SBI Retirement Benefit Fund - Aggressive Plan₹3,159 crore
- Nippon India Retirement Fund- Wealth Creation Scheme₹3,135 crore
- Tata Retirement Savings Fund-Moderate Plan₹2,218 crore
- SBI Retirement Benefit Fund - Conservative Hybrid Plan₹256 crore
- Union Retirement Fund₹210 crore
- Tata Retirement Savings Fund-Conservative Plan₹169 crore
- HDFC Retirement Savings Fund - Hybrid-Debt Plan₹148 crore
Data: NYVO research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. The benchmark (NIFTY 50 Hybrid Composite Debt 50:50 Index) is named for reference only; its values are licensed and never shown. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.