Question 1

What is the current NAV of Bandhan Asset Allocation Conservative Direct- Growth?

Accepted Answer

The current Net Asset Value (NAV) of the Bandhan Asset Allocation Conservative - Direct Growth plan is approximately ₹36.6711 as of Oct 20, 2025.

Question 2

What are the returns of this mutual fund scheme?

Accepted Answer

The Bandhan Asset Allocation Conservative Direct- Growth is a 12 yrs 9 m old fund and has delivered average annual returns of 8.87% since inception.

Bandhan Asset Allocation Conservative Direct- Growth Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.84%	9.8%	8.62%	8.19%	8.87%

Question 3

How much does this mutual fund charge as expense ratio?

Accepted Answer

The Bandhan Asset Allocation Conservative - Direct Growth has an expense ratio of 0.18%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

Question 4

What is the AUM or fund size of this mutual fund?

Accepted Answer

The Bandhan Asset Allocation Conservative currently has assets under management (AUM) or fund size valued at approximately 6 Cr as on Sep 30, 2025.

Question 5

To whom does Bandhan Asset Allocation Conservative lend to?

Accepted Answer

The top 3 debt holdings of Bandhan Asset Allocation Conservative are as follows

Holding Name	Percentage of Portfolio
Others	0.04%

Question 6

What is the quality of borrowers this mutual fund scheme lends to?

Accepted Answer

The credit rating of the instruments in which the fund invests represents the quality of the borrower. The Bandhan Asset Allocation Conservative's debt portion's allocation by credit quality is given below

Holding Name	Percentage of Portfolio
Others	0.04%

Question 7

What is risk level of Bandhan Asset Allocation Conservative?

Accepted Answer

This is a Conservative Hybrid fund comes with Moderately High risk.

Question 8

Is there any lock-in period in this mutual fund?

Accepted Answer

No, this fund does not have any lock-in period.

Question 9

How do I invest in Bandhan Asset Allocation Conservative Direct- Growth?

Accepted Answer

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for Bandhan Asset Allocation Conservative - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the Bandhan Asset Allocation Conservative is complete.

Question 10

How can I redeem my investments in Bandhan Asset Allocation Conservative?

Accepted Answer

Redeeming your investments in the Bandhan Asset Allocation Conservative is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

Expense ratio	0.18% as on Sep 30, 2025
Exit load	1.0% Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 1 year.!
AUM (Fund size)	₹6 Cr
Lock-in Period	Nil
Age	12 yrs 9 m since Jan 01, 2013
Benchmark	CRISIL Hybrid 85+15 Conservative Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Risk	Moderately High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Period	This fund	Category average
1 Month	1.31%	1.14%
3 Months	2.01%	1.5%
6 Months	4.84%	3.75%
1 Year	7.84%	7.31%
2 Years	10.84%	11.07%
3 Years	9.8%	10.17%
4 Years	7.62%	8.59%
5 Years	8.62%	10.09%
7 Years	8.62%	9.4%
10 Years	8.19%	8.65%

Alpha	0.21 vs. 3.58 Underperformed at beating benchmark
Sharpe	0.88 vs. 3.54 Poor risk-adjusted returns
Beta	0.84 vs. 1.2 Less sensitive to market ups & downs
Standard deviation	3.22 vs. 3.48 More stable returns

Fund AUM	6 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

No. of schemes	68 view all schemes
Total AUM	1,87,716 Cr as on Sep 30, 2025
Address	One World Centre, 6th Floor, Tower 1C, Senapati Bapat Marg, Prabhadevi Mumbai, 400013

Bandhan Asset Allocation Conservative Direct- Growth

Historical NAV & returns

Bandhan Asset Allocation Conservative overview

Bandhan Asset Allocation Conservative Returns calculator

Trailing returns as on Oct 25, 2025

Asset allocationas on Sep 30, 2025

Key risk & return ratios Compared to other funds in the category

Compare Bandhan Asset Allocation Conservative in detail with

About this fund

About Bandhan Asset Allocation Conservative

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Bandhan Mutual Fund details

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Bandhan Asset Allocation Conservative Direct- Growth Returns

ET Money rank

Fund name	ETM Rank	AUM	1Y	5Y
Bandhan Aggressive Hybrid Fund	N.A.	1,224 Cr	12.14%	19.76%
Bandhan Asset Allocation Aggressive	N.A.	19 Cr	7.78%	15.51%
Bandhan Asset Allocation Moderate	N.A.	19 Cr	7.76%	12.22%
Bandhan Balanced Advantage Fund	N.A.	2,263 Cr	7.36%	12.14%
Bandhan Equity Savings Fund	N.A.	355 Cr	6.89%	9.2%

Credit Quality	Percentage of Portfolio
AAA	30.26405%
SOV	21.994676%
A1+	16.651388%