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Bandhan Retirement Fund - Direct Plan - IDCW
★★★★★ TopFund est.
TopFund Score (fallback rating)
- Calculated by: TopFund — used only when no third-party rating exists for this fund
- Formula: 3-year trailing return percentile within category, adjusted ±1 star for expense ratio
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: A simplified 2-factor estimate, not equivalent to a rating agency's full analysis
TopFund Score: 78/100 · Good
How this score is calculated
- Star rating (35%)4/5
- 3Y CAGR (30%)14.33%
- Expense ratio (20%)0.96%
- AUM (15%)₹182 Cr
Not investment advice — an analytical read of public fund data. Methodology →
Bandhan Mutual Fund · Hybrid · Aggressive Hybrid
₹12.92
AUM: ₹181 Cr
NAV updated about 1 hour ago
Plan
Direct
Option
Idcw
Risk
High
Expense Ratio
0.96%
Exit Load
Nil
Fund Manager
Viraj Kulkarni
Inception
Oct 2023
Benchmark
CRISIL Hybrid 50+50 Moderate Index
Sharpe Ratio
-0.74
Std Dev (1Y)
8.55%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
-3.17%
3m
-1.73%
6m
+3.3%
1y
-0.69%
3y
+14.33%
5y
+11.48%
10y
+10.83%
since inception
+9.1%
TopFund's Take on Bandhan Retirement Fund - Direct Plan - IDCW
Bandhan Retirement Fund - Direct Plan - IDCW holds up reasonably well within the Aggressive Hybrid category, backed by a 4-star rating. Consistent 3-year performance combined with a strong rating makes this one of the more credible options in its space. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 78/100.
Cost: At 0.96%, the expense ratio runs 12% above the Aggressive Hybrid category average of 0.86%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.74 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 8.55% is on the lower side for a Aggressive Hybrid fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors who want a single fund blending equity growth with debt-driven stability. The High risk rating means near-term volatility should be expected — this isn't a fund to check daily.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about Bandhan Retirement Fund - Direct Plan - IDCW
The current NAV (Net Asset Value) of Bandhan Retirement Fund - Direct Plan - IDCW is ₹12.92. NAV is updated every business day after market close by AMFI.
1Y: -0.69% · 3Y CAGR: 14.33% · 5Y CAGR: 11.48%
The expense ratio of Bandhan Retirement Fund - Direct Plan - IDCW is 0.96% per annum. This is the annual fee charged by the fund to manage your investment.
Bandhan Retirement Fund - Direct Plan - IDCW is managed by Viraj Kulkarni at Bandhan Mutual Fund.
Bandhan Retirement Fund - Direct Plan - IDCW is classified as a High risk fund. It is suitable for investors with a long-term horizon of 3+ years.
Bandhan Retirement Fund - Direct Plan - IDCW is a Aggressive Hybrid fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in Bandhan Retirement Fund - Direct Plan - IDCW with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of Bandhan Retirement Fund - Direct Plan - IDCW is ₹182 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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