Bandhan Asset Allocation Moderate Direct-Growth

Q: What are the returns of Bandhan Asset Allocation Moderate?

The Bandhan Asset Allocation Moderate is a 12 yrs 3 m old fund and has delivered average annual returns of 10.11% since inception. Bandhan Asset Allocation Moderate Returns 1-Year 3-Year 5-Year 10-Year Since Inception 9.84% 11.73% 13.89% 9.32% 10.11%

NAV as of Apr 23, 2025	Returns since inception	ET Money Rank	VRO Ratings
₹42.0008+0.32% 1 day change	10.11% p.a.	#NA View Ranked Funds	N.A.

Historical NAV & returns

NAV: ₹42.0008 as on Apr 23, 2025

This fund Category average

Bandhan Asset Allocation Moderate overview

VRO rating	N.A.
Expense ratio	0.41% as on Mar 31, 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)	₹19 Crs
Lock-in	No Lockin
Age	12 yrs 3 m since Jan 01, 2013
Benchmark	NIFTY 50 Hybrid Composite Debt 50:50 Index
Min. investment	SIP ₹500 & Lump. ₹1000
Risk	High

Bandhan Asset Allocation Moderate 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 Apr 24, 2025

Period	This fund	Category average
1 month	2.25%	3.01%
3 months	3.5%	4.58%
6 months	1.45%	2.72%
1 year	9.84%	12.05%
3 years	11.73%	14.6%
5 years	13.89%	17.76%
7 years	9.43%	11.65%
10 years	9.32%	11.11%

Asset allocationas on Mar 31, 2025

Large Cap 39.33453900000001%

Mid Cap 5.862336%

Small Cap 3.0179460000000002%

Other Cap 0.0048210000000024665%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

A1+ 24.492037%

SOV 15.979579%

AAA 11.864592%

AA+ 0.423176%

Top Debt Holdings

Others 0.01%

Allocation by Instruments

Mutual Fund 102.03999999999999%

Reverse Repo 0.73%

Margin Money 0.01%

Other Holdings

Bandhan Large Cap Fund Direct-Growth 38.55%

Bandhan Bond Fund Short Term Plan Direct-Growth 27.95%

Bandhan Low Duration Fund Direct-Growth 13.52%

Bandhan Focused Equity Fund Direct-Growth 11.24%

Peer comparison

Fund name	ETM Rank	AUM (in Crs.)	Fund age	Expense ratio
Bandhan Asset Allocation Moderate	N.A.	₹19 Crs	12 yrs 3 m	0.41%
Kotak Multi Asset Allocator FoF - Dynamic	N.A.	₹1,652 Crs	12 yrs 3 m	0.29%
Franklin India Dynamic Asset Allocation FoF	N.A.	₹1,272 Crs	12 yrs 3 m	1.12%
HSBC Aggressive Hybrid Active FoF	N.A.	₹38 Crs	11 yrs	0.11%
Aditya Birla Sun Life Financial Planning FOF Aggressive Plan	N.A.	₹209 Crs	12 yrs 3 m	0.42%
Aditya Birla Sun Life Asset Allocator FoF	N.A.	₹195 Crs	12 yrs 3 m	0.2%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bandhan Asset Allocation Moderate	2.25%	1.45%	9.84%	11.73%	13.89%	9.32%
Kotak Multi Asset Allocator FoF - Dynamic	3.08%	1.89%	12.41%	19.48%	23.97%	15.13%
Franklin India Dynamic Asset Allocation FoF	2.5%	1.95%	10.16%	15.03%	22.33%	11.34%
HSBC Aggressive Hybrid Active FoF	3.28%	-2.42%	8.36%	15.01%	21.4%	12.26%
Aditya Birla Sun Life Financial Planning FOF Aggressive Plan	3.85%	0.51%	12.37%	16.64%	20.7%	13.23%
Aditya Birla Sun Life Asset Allocator FoF	3.77%	3.2%	13.63%	16.51%	19.77%	12.65%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bandhan Asset Allocation Moderate	7.17	0.69	0.55	0.92
Kotak Multi Asset Allocator FoF - Dynamic	9.27	0.91	1.14	1.82
Franklin India Dynamic Asset Allocation FoF	7.27	0.66	0.98	1.61
HSBC Aggressive Hybrid Active FoF	12.06	0.95	0.53	0.84
Aditya Birla Sun Life Financial Planning FOF Aggressive Plan	10.77	1.08	0.75	1.19
Aditya Birla Sun Life Asset Allocator FoF	8.73	0.86	0.91	1.7

View all Hybrid Fof funds

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

Alpha	0.37 vs. 5.38 Underperformed at beating benchmark
Sharpe	0.55 vs. 4.55 Poor risk-adjusted returns
Beta	0.69 vs. 1.11 Less sensitive to market ups & downs
Standard deviation	7.17 vs. 7.2 More stable returns

Compare Bandhan Asset Allocation Moderate in detail with

About this fund

About Bandhan Asset Allocation Moderate

Bandhan Asset Allocation Moderate Direct-Growth is a Hybrid FoF mutual fund scheme from Bandhan Mutual Fund. This fund has been in existence for 12 yrs 3 m, having been launched on 01/01/2013. Bandhan Asset Allocation Moderate Direct-Growth has ₹19 Crores worth of assets under management (AUM) as on 31/03/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Bandhan Asset Allocation Moderate Direct-Growth as of 23/04/2025 is ₹42.00. The fund has an expense ratio of 0.41%, which is higher than what most other Hybrid Fof funds charge. Currently, the fund has a 48.21% allocation to equity and 52.95% to Debt.

Bandhan Asset Allocation Moderate Direct-Growth returns of last 1-year are 10.10%. Since launch, it has delivered 10.12% average annual returns. The fund has doubled the money invested in it every 6 yrs.
Bandhan Asset Allocation Moderate Direct-Growth scheme's ability to deliver returns consistently is lower than most funds of its category. Its ability to control losses in a falling market is below 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 Large Cap Fund Direct-Growth, Bandhan Bond Fund Short Term Plan Direct-Growth, Bandhan Low Duration Fund Direct-Growth, Bandhan Focused Equity Fund Direct-Growth, Bandhan Liquid Fund Direct Plan-Growth.

...

Fund AUM	₹19 Crs as on Mar 31, 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	66 view all schemes
Total AUM	₹1,67,339 Crs as on Mar 31, 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 (in Crs.)	1Y	5Y
Bandhan Aggressive Hybrid Fund	N.A.	₹819 Crs	15.22%	22.4%
Bandhan Asset Allocation Aggressive	N.A.	₹19 Crs	10.12%	18.68%
Bandhan Balanced Advantage Fund	N.A.	₹2,217 Crs	10.73%	14.76%
Bandhan Equity Savings Fund	N.A.	₹272 Crs	8.53%	11.01%
Bandhan Asset Allocation Conservative	N.A.	₹6 Crs	8.87%	9.5%

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of Bandhan Asset Allocation Moderate?

The current Net Asset Value (NAV) of the Bandhan Asset Allocation Moderate - Direct Growth plan is approximately ₹42.0008 as of Apr 23, 2025.

What are the returns of this mutual fund scheme?

The Bandhan Asset Allocation Moderate is a 12 yrs 3 m old fund and has delivered average annual returns of 10.11% since inception.

Bandhan Asset Allocation Moderate Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
9.84%	11.73%	13.89%	9.32%	10.11%

How much does this mutual fund charge as expense ratio?

The Bandhan Asset Allocation Moderate - Direct Growth has an expense ratio of 0.41%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

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

The Bandhan Asset Allocation Moderate currently has assets under management (AUM) or fund size valued at approximately ₹19 Crs crore as of Mar 31, 2025.

To whom does Bandhan Asset Allocation Moderate lend to?

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

Holding Name	Percentage of Portfolio
Others	0.01%

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 Moderate's debt portion's allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	24.492037%
SOV	15.979579%
AAA	11.864592%

What is risk level of Bandhan Asset Allocation Moderate?

This is a Hybrid Fof fund comes with High risk.

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

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

How do I invest in Bandhan Asset Allocation Moderate?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

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 Moderate and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in Bandhan Asset Allocation Moderate is complete.

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

Redeeming your investments in Bandhan Asset Allocation Moderate is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

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

ET Money rank

in Hybrid FoF

#NA

Age: This is the 3rd oldest Hybrid FoF fund.
Chance: This fund has generated only 7.85% annual return in 70% of times for investors holding for at least 5 years.
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.