What is the NAV of BANDHAN RETIREMENT FUND?

₹12.79 per unit as of 6 Oct 2026 (Direct plan, growth). NAV is declared daily on working days.

What is the expense ratio of BANDHAN RETIREMENT FUND?

0.96% a year for the Direct plan, as of 31 Aug 2026.

How large is BANDHAN RETIREMENT FUND?

₹185 crore under management as of 31 Jul 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 2.9 years.

BANDHAN RETIREMENT FUND

Bandhan Mutual FundDirectOpen-endedRetirement FundRiskometer: Moderately High Risk

NAV

₹12.79

as of 6 Oct 2026

BANDHAN RETIREMENT FUND is an open-ended Retirement Fund scheme from Bandhan Mutual Fund managing ₹185 crore (as of 31 Jul 2026). Its Direct-plan NAV is ₹12.79 as of 6 Oct 2026. The expense ratio is 0.96% a year. Managed by Gautam Kaul. This page is factual data only – it carries no rating and no recommendation.

Key facts

Expense ratio: 0.96% / yr; as of 31 Aug 2026
Fund size: ₹185 crore; as of 31 Jul 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 5 Oct 2026Benchmark: NIFTY 50 Hybrid Composite Debt 50:50 Index

Oct 2023Oct 2026

BANDHAN RETIREMENT FUND

₹127

+27% on ₹100 over 3.0 yrs

Retirement Fund average

₹129

+29% on ₹100 over 3.0 yrs

Returns vs category

Window	Fund	Category avg	Gap
3 months	-5.03%	–	–
6 months	-0.38%	–	–
1 year	-2.72%	–	–
3 years (CAGR)	8.46%	–	–

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.

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

-5.6% below peak

Oct 2023Deepest: -9.3%Oct 2026

Where the money actually is

Equity

62.3%

Bonds

21.2%

Cash

16.6%

Whole-portfolio split, as of 31 Jul 2026. Equity here is the NET position: this fund holds shares and sells futures against them, so the two largely cancel. The holdings below are gross, before that offset.

What it owns

65 positions · top 10 = 51.7%

Market-cap mix (equity sleeve)

Large 55.3%Mid 11.0%Small 4.9%Other 28.8%

as of 31 Jul 2026

Holdings by sector

Financial Services(3 in top 10)21.7%
- ICICI Bank Ltd4.66%
- HDFC Bank Ltd4.25%
- Kotak Mahindra Bank Ltd3.44%
Consumer Cyclical(1 in top 10)9.7%
- Titan Co Ltd3.67%
Industrials(1 in top 10)8.1%
- Larsen & Toubro Ltd3.65%
Communication Services(1 in top 10)7.5%
- Bharti Airtel Ltd5.83%
Basic Materials6.1%
Energy(1 in top 10)6.1%
- Reliance Industries Ltd5.11%
Consumer Defensive4.3%
Technology3.7%

Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 31 Jul 2026. Portfolio turnover 11.7% a year.

Other top holdings

7.3% Govt Stock 2053matures 19 Jun 205321.16%
Triparty Repo Trp_0308266.55%
Titan Company Limited August 2026 Futurederivative2.59%

Rows marked derivative are futures positions held against the shares listed beside them. A stock and its future largely cancel, so do not add the two together. Exposure figures are gross: funds that use derivatives (arbitrage, hedged books) hold offsetting positions, so concentration and turnover can read above 100%.

The debt it holds (debt sleeve)

Yield to maturity: 7.02% vs category 6.79%
Modified duration: 8.50 yrs vs category 5.29 yrs
Average maturity: 19.94 yrs vs category 11.63 yrs
Average coupon: 7.30%
Government securities: 21.2%

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 31 Jul 2026.

Portfolio characteristics as of 31 Jul 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 31 Jul 2026. Flows follow performance more than they predict it.

Quick answers

What is the NAV of BANDHAN RETIREMENT FUND?: ₹12.79 per unit as of 6 Oct 2026 (Direct plan, growth). NAV is declared daily on working days.
What is the expense ratio of BANDHAN RETIREMENT FUND?: 0.96% a year for the Direct plan, as of 31 Aug 2026.
How large is BANDHAN RETIREMENT FUND?: ₹185 crore under management as of 31 Jul 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 2.9 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

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One bet or two?

Check its overlap →

See whether it owns the same stocks as your other funds.

Other Retirement Fund funds

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.