Markets / Mutual funds / Retirement
Bandhan Mutual Fund · Solution oriented fund · Regular plan · IDCW
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. However, there can be no assurance that the investment objective of the scheme will be realized.
Bars: this plan; the thin mark is the Retirement average (regular plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | -0.1 | |||||||||||
| 2025 | -2.3 | -3.2 | +4.1 | +2.0 | +3.2 | +1.7 | -1.1 | -0.8 | +1.2 | +2.3 | +1.3 | -0.1 |
| 2026 | -2.0 | +0.3 | -7.5 | +6.5 | -0.4 | +1.7 | +1.3 | -0.7 | -3.5 | +0.5 | +6.1 |
Each month's change in NAV (the current month to the latest NAV).
Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.
| Holding | % of fund |
|---|---|
| HDFC Bank Limited INE040A01034 | 6.93% |
| Reliance Industries Limited INE002A01018 | 6.42% |
| ICICI Bank Limited INE090A01021 | 6.07% |
| Kotak Mahindra Bank Limited INE237A01036 | 4.83% |
| Titan Company Limited INE280A01028 | 4.38% |
| Bharti Airtel Limited INE397D01024 | 4.03% |
| Infosys Limited INE009A01021 | 3.72% |
| Maruti Suzuki India Limited INE585B01010 | 3.19% |
| Axis Bank Limited INE238A01034 | 2.64% |
| Tata Consultancy Services Limited INE467B01029 | 2.50% |
| Larsen & Toubro Limited INE018A01030 | 2.32% |
| ITC Limited INE154A01025 | 2.17% |
| Bajaj Finserv Limited INE918I01026 | 2.00% |
| Oil & Natural Gas Corporation Limited INE213A01029 | 1.93% |
| Eternal Limited INE758T01015 | 1.77% |
| Cipla Limited INE059A01026 | 1.66% |
| HDFC Life Insurance Company Limited INE795G01014 | 1.50% |
| Apollo Hospitals Enterprise Limited INE437A01024 | 1.45% |
| Life Insurance Corporation Of India INE0J1Y01017 | 1.42% |
| Cholamandalam Investment and Finance Company Ltd INE121A01024 | 1.36% |
| Trent Limited INE849A01020 | 1.29% |
| Hindustan Unilever Limited INE030A01027 | 1.28% |
| Hero MotoCorp Limited INE158A01026 | 1.24% |
| Jindal Steel Limited INE749A01030 | 1.21% |
| ICICI Life Insurance Limited INE726G01019 | 1.17% |
| Bajaj Finance Limited INE296A01032 | 1.07% |
| Info Edge (India) Limited INE663F01032 | 1.02% |
| Coal India Limited INE522F01014 | 0.96% |
| SBI Life Insurance Company Limited INE123W01016 | 0.95% |
| United Spirits Limited INE854D01024 | 0.76% |
| Tata Motors Passenger Vehicles Limited INE155A01022 | 0.76% |
| Lupin Limited INE326A01037 | 0.72% |
| Dabur India Limited INE016A01026 | 0.71% |
| Emami Limited INE548C01032 | 0.62% |
| Swiggy Limited INE00H001014 | 0.50% |
| Varun Beverages Limited INE200M01039 | 0.41% |
| Dhanuka Agritech Limited INE435G01025 | 0.39% |
| Sonata Software Limited INE269A01021 | 0.38% |
| Sobha Limited INE671H01015 | 0.32% |
| Holding | % of fund |
|---|---|
| Titan Company Limited November 2026 Future | -2.50% |
| Larsen & Toubro Limited November 2026 Future | -2.32% |
| Kotak Mahindra Bank Limited November 2026 Future | -2.32% |
| Reliance Industries Limited November 2026 Future | -2.11% |
| Holding | % of fund |
|---|---|
| 7.3% GOI (MD 19/06/2053) IN0020230051 | 21.39% |
| Net Current Assets | 0.52% |
| Net Receivables/Payables | 0.37% |
| Cash Margin - Derivatives | 0.14% |
| Triparty Repo TRP_021126_VAL | 0.04% |
| Cash / Bank Balance | 0.01% |
From the fund house's monthly portfolio (bandhanmutual.com), as on 31 Oct 2026. Percentages are of the fund's net assets; short positions are negative. Published about ten days after each month ends.
Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 Oct 2023).
| Fund size (average AUM, July - September 2026) | ₹183 cr across all plans · this plan ₹0.27 cr |
| Fund house | Bandhan Mutual Fund |
| Category | Solution oriented · Retirement |
| Plan | Regular |
| Option | IDCW |
| Expense ratio (TER) | Direct 1.11% · Regular 2.70% (5 Nov 2026) |
| Minimum investment | ₹1,000 · additional ₹1,000 |
| Scheme code (AMFI) | 152104 |
| ISIN | INF194KB1GV0 |
| NAV date | 6 Nov 2026 |
Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.
| Plan | NAV | 1 year |
|---|---|---|
| Direct · Growth | ₹13.5830 | +3.13% |
| Regular · Growth | ₹12.9120 | +1.46% |
| Regular · IDCW | ₹12.9130 | +1.46% |
| Fund | 1 year | 3 years (a year) |
|---|---|---|
| ICICI Prudential Retirement Fund Pure Equity Plan | +2.49% | +18.97% |
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | +1.68% | +16.07% |
| Aditya Birla Sun Life Retirement Fund-The 30s Plan | +11.39% | +16.00% |
| Tata Retirement Savings Fund-Progressive Plan | +6.71% | +13.55% |
| Axis Retirement Fund - Dynamic Plan | +1.19% | +13.32% |
| Tata Retirement Savings Fund-Moderate Plan | +6.31% | +12.87% |
| Union Retirement Fund | +3.53% | +12.45% |
| Axis Retirement Fund - Aggressive Plan | +1.02% | +12.44% |
Information only, not investment advice.
₹13.5720 as of 6 Nov 2026, from AMFI's official NAV data.
1 year: 3.11%, 3 years: 10.95% a year
Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.