Bandhan Asset Allocation Moderate

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

The Bandhan Asset Allocation Moderate is a 15 yrs 9 m old fund and has delivered average annual returns of 9.46% since inception. Bandhan Asset Allocation Moderate Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.09% 12.25% 11.51% 8.97% 9.46%

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹41.4053+0.26% 1 day change	9.46% p.a.	App exclusive #NA View Ranked Funds	₹19 Cr

Historical NAV & returns

NAV: ₹41.4053 as on Oct 20, 2025

This fund Category average

Bandhan Asset Allocation Moderate overview

AUM (Fund size)	₹19 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	NIFTY 50 Hybrid Composite Debt 50:50 Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	1.03% as on Sep 30, 2025
Plan type	Regular
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 Oct 25, 2025

Period	This fund	Category average
1 Month	2.14%	1.81%
3 Months	2.45%	2.33%
6 Months	6.3%	6.05%
1 Year	7.09%	6.69%
2 Years	14.1%	14.04%
3 Years	12.25%	12.25%
4 Years	8.85%	8.85%
5 Years	11.51%	11.51%
7 Years	10.09%	10.09%
10 Years	8.97%	8.97%

Asset allocationas on Sep 30, 2025

Large Cap 36.29%

Mid Cap 5.38%

Small Cap 5.71%

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 19.104648%

SOV 17.491543%

A1+ 12.179634%

Cash & Call Money 2.448605%

Top Debt Holdings

Others 0.01%

Allocation by Instruments

Mutual Fund 98.65%

Reverse Repo 1.89%

Margin Money 0.01%

Other Holdings

Bandhan Large Cap Fund Direct-Growth 39.55%

Bandhan Bond Fund Short Term Plan Direct-Growth 29.19%

Bandhan Low Duration Fund Direct-Growth 14.1%

Bandhan Focused Fund Direct-Growth 8.43%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bandhan Asset Allocation Moderate	2.14%	6.3%	7.09%	12.25%	11.51%	8.97%
WhiteOak Capital Balanced Hybrid Fund	1.9%	6.95%	7.82%	9.69%	5.71%	2.81%
360 ONE Balanced Hybrid Fund	1.4%	4.9%	5.16%	8.6%	5.07%	2.51%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bandhan Asset Allocation Moderate	6.28	0.67	0.77	1.12
WhiteOak Capital Balanced Hybrid Fund	N.A.	N.A.	N.A.	N.A.
360 ONE Balanced Hybrid Fund	N.A.	N.A.	N.A.	N.A.

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bandhan Asset Allocation Moderate	N.A.	19 Cr	15 yrs 9 m	1.03%
WhiteOak Capital Balanced Hybrid Fund	N.A.	225 Cr	2 yrs	2.13%
360 ONE Balanced Hybrid Fund	N.A.	863 Cr	2 yrs 1 m	1.95%

View all Balanced Hybrid funds

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

Alpha	0.31 vs. 0.26 Higher outperformance against benchmark
Sharpe	0.77 vs. 3.71 Poor risk-adjusted returns
Beta	0.67 vs. 0.22 More sensitive to market's ups & downs
Standard deviation	6.28 vs. 2.09 More volatile performance

Compare Bandhan Asset Allocation Moderate in detail with

About this fund

About Bandhan Asset Allocation Moderate

Bandhan Asset Allocation Moderate is a Balanced 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 Moderate has ₹19 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 Moderate as of 20/10/2025 is ₹41.41. The fund has an expense ratio of 1.03%, which is higher than what most other Balanced Hybrid funds charge. Currently, the fund has a 47.38% allocation to equity and 49.57% to Debt.

Bandhan Asset Allocation Moderate returns of last 1-year are 5.26%. Since launch, it has delivered 9.47% average annual returns. The fund has doubled the money invested in it every 6 yrs.
Bandhan Asset Allocation Moderate 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 below average.
The fund's equity portion is primarily invested in Unclassified sectors. It has taken more exposure in Unclassified sectors compared to other funds in the category.
The debt portion of the fund has low credit quality indicating the quality of borrowers it has lent it to is not too great.
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 Fund Direct-Growth, Bandhan Liquid Fund Direct Plan-Growth.

...

Fund AUM	19 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 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 Asset Allocation Conservative	N.A.	6 Cr	7.23%	7.98%
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 Moderate?

The current Net Asset Value (NAV) of the Bandhan Asset Allocation Moderate plan is approximately ₹41.4053 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Bandhan Asset Allocation Moderate is a 15 yrs 9 m old fund and has delivered average annual returns of 9.46% since inception.

Bandhan Asset Allocation Moderate Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.09%	12.25%	11.51%	8.97%	9.46%

How much does this mutual fund charge as expense ratio?

The Bandhan Asset Allocation Moderate has an expense ratio of 1.03%, 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 Moderate currently has assets under management (AUM) or fund size valued at approximately 19 Cr as on Sep 30, 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
AAA	19.104648%
SOV	17.491543%
A1+	12.179634%

What is risk level of Bandhan Asset Allocation Moderate?

This is a Balanced Hybrid 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 can I redeem my investments in Bandhan Asset Allocation Moderate?

Redeeming your investments in the Bandhan Asset Allocation Moderate 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 Balanced Hybrid

#NA

Return Outperformance: This fund has generated highest return amongst Balanced Hybrid funds in the last 10 Years.
Chance: This fund has generated only 8.18% 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.