Bandhan Banking and PSU Fund · Regular · Growth
NAV
₹26.0800
as of 14 Jul 2026
Expense Ratio
0.66%
AUM
₹12,499 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.29%
- 3Y
- +6.89%
- 5Y
- +5.95%
- Since Inception
- +7.44%
SIP returns (XIRR)
- 1Y
- +6.18%
- 3Y
- +6.79%
- 5Y
- +6.60%
- Since Inception
- +7.02%
What history actually did — last 10 years (Jul 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,45,584 today — ₹6,00,000 invested, 6.8% XIRR.
₹6,00,000
Invested
₹8,45,584
Value today
6.8%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,95,972 today (7.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2016 would still hold ₹11,14,140.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Jul 2016 – Jul 2026) (22 Mar 2020) would be ₹1,52,465 today (1.52×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised0.43
Sharpe Ratio
—
Alpha
—
Beta
0.49
Sortino
1.12%
Std Dev
-0.56%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 17.37% Indian Railway Finance Corporation Limited **4.36%
- 26.68% Goi (Md 07/07/2040)4.17%
- 37.7% Hdfc Bank Limited **4.09%
- 4Canara Bank **2.84%
- 57.48% National Bank For Agriculture And Rural Development **2.47%
- 6Bank Of Baroda **2.43%
- 7Axis Bank Limited **2.39%
- 8Canara Bank **2.37%
- 98.55% Hdfc Bank Limited **2.36%
- 107.44% Power Finance Corporation Limited **2.26%
Investment Objective
Bandhan Banking and PSU Fund · Regular · Growth by Bandhan Mutual Fund is a Banking & PSU Debt fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Banking & PSU Debt category.
About This Fund
Bandhan Banking and PSU Fund · Regular · Growth is a Banking & PSU Debt mutual fund offered by Bandhan Mutual Fund. The fund has been operational for over 13 years. It manages assets worth ₹12,499 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY Banking & PSU Debt Index. The current expense ratio is 0.66%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations