Bandhan Asset Allocation Conservative

Q: What are the returns of this mutual fund scheme?

The Bandhan Asset Allocation Conservative is a 15 yrs 9 m old fund and has delivered average annual returns of 8.13% since inception. Bandhan Asset Allocation Conservative Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.23% 9.19% 7.98% 7.52% 8.13%

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹34.1612+0.13% 1 day change	8.13% p.a.	App exclusive #NA View Ranked Funds	₹6 Cr

Historical NAV & returns

NAV: ₹34.1612 as on Oct 20, 2025

This fund Category average

Bandhan Asset Allocation Conservative overview

AUM (Fund size)	₹6 Cr
Exit load	1.0% Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 1 year.!
Lock-in Period	Nil
Age	15 yrs 9 m since Jan 04, 2010
Benchmark	CRISIL Hybrid 85+15 Conservative Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	0.76% as on Sep 30, 2025
Plan type	Regular
Risk	Moderately High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Bandhan Asset Allocation Conservative Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Oct 25, 2025

Period	This fund	Category average
1 Month	1.27%	1.08%
3 Months	1.87%	1.29%
6 Months	4.55%	3.31%
1 Year	7.23%	6.41%
2 Years	10.24%	10.14%
3 Years	9.19%	9.25%
4 Years	7.0%	7.67%
5 Years	7.98%	9.12%
7 Years	7.94%	8.42%
10 Years	7.52%	7.66%

Asset allocationas on Sep 30, 2025

Large Cap 17.53%

Mid Cap 2.18%

Small Cap 1.86%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AAA 30.26405%

SOV 21.994676%

A1+ 16.651388%

Cash & Call Money 7.643999%

Top Debt Holdings

Others 0.04%

Allocation by Instruments

Mutual Fund 94.11%

Reverse Repo 6.0%

Margin Money 0.04%

Other Holdings

Bandhan Bond Fund Short Term Plan Direct-Growth 33.83%

Bandhan Low Duration Fund Direct-Growth 30.76%

Bandhan Large Cap Fund Direct-Growth 21.8%

Bandhan Liquid Fund Direct Plan-Growth 7.72%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bandhan Asset Allocation Conservative	1.27%	4.55%	7.23%	9.19%	7.98%	7.52%
ICICI Prudential Regular Savings Fund	0.83%	4.91%	8.44%	10.41%	9.94%	9.38%
SBI Conservative Hybrid Fund	1.06%	4.05%	6.59%	10.05%	11.0%	9.01%
HDFC Hybrid Debt Fund	1.37%	2.1%	5.41%	10.46%	11.19%	8.8%
Nippon India Conservative Hybrid Fund	1.19%	5.08%	9.09%	9.24%	8.94%	5.62%
Franklin India Conservative Hybrid Fund	1.24%	3.53%	6.98%	9.74%	8.95%	7.52%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bandhan Asset Allocation Conservative	3.22	0.84	0.7	1.07
ICICI Prudential Regular Savings Fund	2.94	0.75	1.2	1.74
SBI Conservative Hybrid Fund	3.34	0.82	1.0	1.67
HDFC Hybrid Debt Fund	3.95	0.98	0.95	1.6
Nippon India Conservative Hybrid Fund	1.9	0.45	1.27	2.13
Franklin India Conservative Hybrid Fund	3.49	0.9	0.84	1.28

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bandhan Asset Allocation Conservative	N.A.	6 Cr	15 yrs 9 m	0.76%
ICICI Prudential Regular Savings Fund	N.A.	3,264 Cr	21 yrs 8 m	1.72%
SBI Conservative Hybrid Fund	N.A.	9,859 Cr	24 yrs 8 m	1.54%
HDFC Hybrid Debt Fund	N.A.	3,348 Cr	21 yrs 11 m	1.75%
Nippon India Conservative Hybrid Fund	N.A.	902 Cr	21 yrs 10 m	1.88%
Franklin India Conservative Hybrid Fund	N.A.	203 Cr	25 yrs 1 m	1.42%

View all Conservative Hybrid funds

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

Alpha	-0.35 vs. 2.91 Underperformed at beating benchmark
Sharpe	0.7 vs. 2.94 Poor risk-adjusted returns
Beta	0.84 vs. 1.03 Less sensitive to market ups & downs
Standard deviation	3.22 vs. 3.47 More stable returns

Compare Bandhan Asset Allocation Conservative in detail with

About this fund

About Bandhan Asset Allocation Conservative

Bandhan Asset Allocation Conservative is a Conservative Hybrid mutual fund scheme from Bandhan Mutual Fund. This fund has been in existence for 15 yrs 9 m, having been launched on 04/01/2010. Bandhan Asset Allocation Conservative has ₹6 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Bandhan Asset Allocation Conservative as of 20/10/2025 is ₹34.16. The fund has an expense ratio of 0.76%, which is less than what most other Conservative Hybrid funds charge. Currently, the fund has a 21.57% allocation to equity and 70.56% to Debt.

Bandhan Asset Allocation Conservative returns of last 1-year are 6.45%. Since launch, it has delivered 8.14% average annual returns. The fund has doubled the money invested in it every 10 yrs.
Bandhan Asset Allocation Conservative scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund's equity portion is primarily invested in Unclassified sectors. It has taken less exposure in Unclassified sectors compared to other funds in the category.
The debt portion of the fund has moderate credit quality indicating the quality of borrowers it has lent it to is good.
The fund's top 5 holdings are in Bandhan Bond Fund Short Term Plan Direct-Growth, Bandhan Low Duration Fund Direct-Growth, Bandhan Large Cap Fund Direct-Growth, Bandhan Liquid Fund Direct Plan-Growth.

...

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

Fund managers

Viraj Kulkarni

Mr. Kulkarni is a B.Tech. (Electronics), CFA and also holds a PGDM (Finance). Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) he was associated with Franklin Templeton Asset Management (India) Pvt. Ltd. (May 2014-Sept. 2015) and Goldman Sachs Services India (June 2010-May 2012).

Investment objective

The scheme seeks to provide diversification across asset classes and generate a mix of capital appreciation and income predominantly through investment in equity funds and debt funds of IDFC Mutual Fund based on a defined asset allocation model.

Bandhan Mutual Fund details

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

More funds from Bandhan Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
Bandhan Asset Allocation Aggressive	N.A.	19 Cr	6.97%	14.65%
Bandhan Asset Allocation Moderate	N.A.	19 Cr	7.09%	11.51%
Bandhan Balanced Advantage Fund	N.A.	2,263 Cr	6.02%	10.64%
Bandhan Equity Savings Fund	N.A.	355 Cr	5.92%	8.11%
Bandhan Conservative Hybrid Fund	N.A.	102 Cr	5.78%	6.58%

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of Bandhan Asset Allocation Conservative?

The current Net Asset Value (NAV) of the Bandhan Asset Allocation Conservative plan is approximately ₹34.1612 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Bandhan Asset Allocation Conservative is a 15 yrs 9 m old fund and has delivered average annual returns of 8.13% since inception.

Bandhan Asset Allocation Conservative Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.23%	9.19%	7.98%	7.52%	8.13%

How much does this mutual fund charge as expense ratio?

The Bandhan Asset Allocation Conservative has an expense ratio of 0.76%, 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.

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

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

To whom does Bandhan Asset Allocation Conservative lend to?

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

Holding Name	Percentage of Portfolio
Others	0.04%

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

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

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

What is risk level of Bandhan Asset Allocation Conservative?

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

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

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

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

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.

ET Money rank

App exclusive

in Conservative Hybrid

#NA

Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 1 year.