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Bandhan Retirement Fund Direct Growth
HybridRetirementVery High Risk
Direct
NAV (21-Nov-24)
₹12.12-0.41%1D
Returns (Since Inception)
19.35%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹173 Cr
Expense Ratio
0.71%
ISIN
INF194KB1GU2
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
19 Oct 2023
About this fund
Bandhan Retirement Fund Direct Growth is a Retirement mutual fund schemes offered by Bandhan Mutual Fund. This fund has been in existence for 1 years, 1 months and 3 days, having been launched on 19-Oct-23.
As of 21-Nov-24, it has a Net Asset Value (NAV) of ₹12.12, Assets Under Management (AUM) of 172.89 Crores, and an expense ratio of 0.71%.
As of 21-Nov-24, it has a Net Asset Value (NAV) of ₹12.12, Assets Under Management (AUM) of 172.89 Crores, and an expense ratio of 0.71%.
- Bandhan Retirement Fund Direct Growth has given a CAGR return of 19.35% since inception.
- The fund's asset allocation comprises around 51.54% in equities, 24.06% in debts, and 24.40% in cash & cash equivalents.
- You can start investing in Bandhan Retirement Fund Direct Growth with a SIP of ₹1000 or a Lumpsum investment of ₹1000.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+18.97%
— (Cat Avg.)
Since Inception
+19.35%
— (Cat Avg.)
Portfolio Summaryas of 31st October 2024
| Equity | ₹89.1 Cr | 51.54% |
| Debt | ₹41.6 Cr | 24.06% |
| Others | ₹42.18 Cr | 24.40% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.3% Govt Stock 2053 | Bond - Gov't/Treasury | ₹41.6 Cr | 24.06% |
| Cash Offset For Derivatives | Cash - General Offset | ₹35.1 Cr | 20.30% |
| Reliance Industries Ltd | Equity | ₹9.63 Cr | 5.57% |
| Bharti Airtel Ltd | Equity | ₹8.82 Cr | 5.10% |
| ICICI Bank Ltd | Equity | ₹8.69 Cr | 5.03% |
| Larsen & Toubro Ltd | Equity | ₹6.21 Cr | 3.59% |
| Future on Bharti Airtel Ltd | Equity - Future | ₹-5.4 Cr | 3.12% |
| HDFC Bank Ltd | Equity | ₹5.39 Cr | 3.12% |
| Triparty Repo Trp_041124 | Cash - Repurchase Agreement | ₹4.74 Cr | 2.74% |
| Titan Co Ltd | Equity | ₹4.55 Cr | 2.63% |
| Icici Bank Limited November 2024 Future | Equity - Future | ₹-4.28 Cr | 2.48% |
| Future on Reliance Industries Ltd | Equity - Future | ₹-4.22 Cr | 2.44% |
| Axis Bank Ltd | Equity | ₹3.93 Cr | 2.27% |
| Future on Larsen & Toubro Ltd | Equity - Future | ₹-3.83 Cr | 2.21% |
| Future on HCL Technologies Ltd | Equity - Future | ₹-3.73 Cr | 2.16% |
| HCL Technologies Ltd | Equity | ₹3.71 Cr | 2.15% |
| ITC Ltd | Equity | ₹3.67 Cr | 2.12% |
| Info Edge (India) Ltd | Equity | ₹3.48 Cr | 2.01% |
| Infosys Ltd | Equity | ₹3.25 Cr | 1.88% |
| Titan Company Limited November 2024 Future | Equity - Future | ₹-3.22 Cr | 1.86% |
| Future on Kotak Mahindra Bank Ltd | Equity - Future | ₹-3.07 Cr | 1.77% |
| Kotak Mahindra Bank Ltd | Equity | ₹3.05 Cr | 1.76% |
| Future on Tata Consultancy Services Ltd | Equity - Future | ₹-3.01 Cr | 1.74% |
| Tata Consultancy Services Ltd | Equity | ₹2.99 Cr | 1.73% |
| Zomato Ltd | Equity | ₹2.9 Cr | 1.67% |
| Jindal Steel & Power Ltd | Equity | ₹2.76 Cr | 1.60% |
| Future on Maruti Suzuki India Ltd | Equity - Future | ₹-2.68 Cr | 1.55% |
| Maruti Suzuki India Ltd | Equity | ₹2.66 Cr | 1.54% |
| Power Finance Corp Ltd | Equity | ₹2.48 Cr | 1.43% |
| UNO Minda Ltd | Equity | ₹2.23 Cr | 1.29% |
| InterGlobe Aviation Ltd | Equity | ₹2.17 Cr | 1.25% |
| NHPC Ltd | Equity | ₹2.13 Cr | 1.23% |
| Hero MotoCorp Ltd | Equity | ₹2.09 Cr | 1.21% |
| Hitachi Energy India Ltd Ordinary Shares | Equity | ₹2.05 Cr | 1.19% |
| Coal India Ltd | Equity | ₹1.95 Cr | 1.13% |
| Hindalco Industries Ltd | Equity | ₹1.93 Cr | 1.12% |
| Max Financial Services Ltd | Equity | ₹1.86 Cr | 1.08% |
| Tech Mahindra Ltd | Equity | ₹1.84 Cr | 1.06% |
| Cipla Ltd | Equity | ₹1.72 Cr | 1.00% |
| Tata Motors Ltd | Equity | ₹1.69 Cr | 0.98% |
| Future on Bajaj Finserv Ltd | Equity - Future | ₹-1.67 Cr | 0.97% |
| Bajaj Finserv Ltd | Equity | ₹1.66 Cr | 0.96% |
| Vishnu Chemicals Ltd | Equity | ₹1.53 Cr | 0.89% |
| United Spirits Ltd | Equity | ₹1.45 Cr | 0.84% |
| Cholamandalam Investment and Finance Co Ltd | Equity | ₹1.43 Cr | 0.83% |
| Lupin Ltd | Equity | ₹1.37 Cr | 0.79% |
| Cash Margin - Derivatives | Cash - Collateral | ₹1.25 Cr | 0.72% |
| CG Power & Industrial Solutions Ltd | Equity | ₹1.13 Cr | 0.65% |
| Dhanuka Agritech Ltd | Equity | ₹1.12 Cr | 0.65% |
| Varun Beverages Ltd | Equity | ₹1.1 Cr | 0.63% |
| Net Receivables/Payables | Cash - Collateral | ₹1.07 Cr | 0.62% |
| Jindal Stainless Ltd | Equity | ₹1.01 Cr | 0.58% |
| Adani Ports & Special Economic Zone Ltd | Equity | ₹0.96 Cr | 0.56% |
| IndusInd Bank Ltd | Equity | ₹0.95 Cr | 0.55% |
| HDFC Life Insurance Co Ltd | Equity | ₹0.95 Cr | 0.55% |
| Wipro Ltd | Equity | ₹0.91 Cr | 0.53% |
| Macrotech Developers Ltd | Equity | ₹0.79 Cr | 0.46% |
| Central Depository Services (India) Ltd | Equity | ₹0.77 Cr | 0.45% |
| Union Bank of India | Equity | ₹0.77 Cr | 0.45% |
| TVS Motor Co Ltd | Equity | ₹0.69 Cr | 0.40% |
| Sobha Ltd | Equity | ₹0.68 Cr | 0.40% |
| Aadhar Housing Finance Ltd | Equity | ₹0.66 Cr | 0.38% |
| Mahindra & Mahindra Financial Services Ltd | Equity | ₹0.65 Cr | 0.37% |
| Mankind Pharma Ltd | Equity | ₹0.64 Cr | 0.37% |
| Jubilant Ingrevia Ltd Ordinary Shares | Equity | ₹0.55 Cr | 0.32% |
| PTC India Financial Services Ltd | Equity | ₹0.53 Cr | 0.31% |
| Juniper Hotels Ltd | Equity | ₹0.47 Cr | 0.27% |
| Poonawalla Fincorp Ltd | Equity | ₹0.36 Cr | 0.21% |
| Neogen Chemicals Ltd | Equity | ₹0.36 Cr | 0.21% |
| Zee Entertainment Enterprises Ltd | Equity | ₹0.32 Cr | 0.18% |
| ZF Commercial Vehicle Control Systems India Ltd | Equity | ₹0.24 Cr | 0.14% |
| GAIL (India) Ltd | Equity | ₹0.17 Cr | 0.10% |
| GPT Healthcare Ltd | Equity | ₹0.11 Cr | 0.06% |
| Sobha Ltd Ordinary Shares (Partly Paid Rs.5) | Equity | ₹0.05 Cr | 0.03% |
| Cash / Bank Balance | Cash - Collateral | ₹0.02 Cr | 0.01% |
| Cash Margin - Ccil | Cash - Repurchase Agreement | ₹0 Cr | 0.00% |
Allocation By Market Cap (Equity)
Large Cap Stocks
43.43%
Mid Cap Stocks
8.31%
Small Cap Stocks
4.13%
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹34.13 Cr | 19.74% |
| Consumer Cyclical | ₹17.51 Cr | 10.13% |
| Technology | ₹14.75 Cr | 8.53% |
| Communication Services | ₹12.62 Cr | 7.30% |
| Energy | ₹11.58 Cr | 6.70% |
| Industrials | ₹10.46 Cr | 6.05% |
| Basic Materials | ₹9.25 Cr | 5.35% |
| Consumer Defensive | ₹6.22 Cr | 3.60% |
| Healthcare | ₹3.85 Cr | 2.23% |
| Utilities | ₹2.31 Cr | 1.33% |
| Real Estate | ₹1.52 Cr | 0.88% |
Risk & Performance Ratios
Standard Deviation
This fund
--
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
--
Cat. avg.
--
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
--
Higher the better
Fund Managers
GK
Gautam Kaul
Since October 2023
BS
Brijesh Shah
Since June 2024
Vishal Biraia
Since January 2024
RB
Ritika Behera
Since October 2023
GS
Gaurav Satra
Since June 2024
Additional Scheme Detailsas of 31st October 2024
ISIN INF194KB1GU2 | Expense Ratio 0.71% | Exit Load No Charges | Fund Size ₹173 Cr | Age 1 year 1 month | Lumpsum Minimum ₹1,000 | Fund Status Open Ended Investment Company | Benchmark CRISIL Hybrid 50+50 - Moderate TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Retirement Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Tata Retirement Savings Moderate Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2161.97 Cr | 21.4% |
| Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk | 2.2% | 1.0% | ₹174.39 Cr | 11.1% |
| Tata Retirement Savings Progressive Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2088.63 Cr | 23.4% |
| Axis Retirement Savings Fund - Aggressive Plan Regular Growth Very High Risk | 2.2% | 0.0% | ₹922.37 Cr | 25.4% |
| Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk | 0.7% | 0.0% | ₹73.62 Cr | 16.4% |
| Axis Retirement Savings Fund - Aggressive Plan Direct Growth Very High Risk | 0.9% | 0.0% | ₹922.37 Cr | 27.0% |
| Axis Retirement Savings Fund - Dynamic Plan Regular Growth Very High Risk | 2.4% | 0.0% | ₹385.46 Cr | 30.4% |
| Axis Retirement Savings Fund - Dynamic Plan Direct Growth Very High Risk | 1.1% | 0.0% | ₹385.46 Cr | 32.1% |
| Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk | 2.1% | 0.0% | ₹73.62 Cr | 14.8% |
| Franklin India Pension Plan Regular Growth Moderately High risk | 2.3% | 3.0% | ₹511.17 Cr | 15.7% |
About the AMC
Bandhan Mutual Fund
Total AUM
₹1,57,157 Cr
Address
6th Floor, 841, One World Center, Mumbai, 400013
Other Funds by Bandhan Mutual Fund
Risk Level
Your principal amount will be at Very High Risk
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What is the current NAV of Bandhan Retirement Fund Direct Growth?
The NAV of Bandhan Retirement Fund Direct Growth, as of 21-Nov-2024, is ₹12.12.
What is the portfolio composition of Bandhan Retirement Fund Direct Growth?
The fund's allocation of assets is distributed as 51.54% in equities, 24.06% in bonds, and 24.40% in cash and cash equivalents.
Who manages the Bandhan Retirement Fund Direct Growth?
The fund managers responsible for Bandhan Retirement Fund Direct Growth are:-
- Gautam Kaul
- Brijesh Shah
- Vishal Biraia
- Ritika Behera
- Gaurav Satra
Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.