Bandhan Banking and PSU Fund

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

The Bandhan Banking and PSU Fund is a 12 yrs 11 m old fund and has delivered average annual returns of 7.44% since inception. Bandhan Banking and PSU Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 6.37% 6.94% 5.8% 7.05% 7.44%

Q: How much does this mutual fund charge as expense ratio?

The Bandhan Banking and PSU Fund has an expense ratio of 0.66% , 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.

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹25.2735-0.01% 1 day change	7.44% p.a.	App exclusive #NA View Ranked Funds	₹12,651 Cr

Historical NAV & returns

NAV: ₹25.2735 as on Feb 02, 2026

This fund Category average

Bandhan Banking and PSU Fund overview

AUM (Fund size)	₹12,651 Cr
Exit load	0%
Lock-in Period	Nil
Age	12 yrs 11 m since Feb 26, 2013
Benchmark	Nifty Banking & PSU Debt Index A-II
Min. investment	SIP: ₹1000 & Lumpsum: ₹1000
Expense ratio	0.66% as on Feb 02, 2026
Plan type	Regular
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Bandhan Banking and PSU Fund 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 Feb 03, 2026

Period	This fund	Category average
1 Month	0.06%	0.0%
3 Months	0.61%	0.53%
6 Months	1.71%	1.68%
1 Year	6.37%	6.56%
2 Years	6.95%	7.17%
3 Years	6.94%	7.14%
4 Years	6.2%	6.33%
5 Years	5.8%	5.84%
7 Years	7.16%	6.83%
10 Years	7.05%	6.98%

Asset allocationas on Dec 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

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 63.77%

SOV 24.93%

A1+ 5.34%

Cash & Call Money 4.62%

Top Debt Holdings

GOI 22.68%

Indian Railway Finance Corporation Ltd. 3.36%

National Bank For Agriculture & Rural Development 3.09%

Indian Oil Corporation Ltd. 2.4%

Allocation by Instruments

Debenture 31.369999999999997%

GOI Securities 22.68%

Non Convertible Debenture 14.76%

Bonds 12.72%

Other Holdings

Others 4.42%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bandhan Banking and PSU Fund	0.06%	1.71%	6.37%	6.94%	5.8%	7.05%
ICICI Prudential Banking & PSU Debt Fund	-0.02%	2.01%	6.86%	7.41%	6.27%	7.39%
ITI Banking & PSU Debt Fund	0.14%	1.8%	6.24%	6.75%	5.88%	2.95%
Axis Banking & PSU Debt Fund	-0.03%	1.74%	6.66%	6.96%	5.8%	7.11%
Sundaram Banking & PSU Fund	-0.05%	1.73%	6.68%	7.22%	5.6%	6.52%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bandhan Banking and PSU Fund	1.0	1.23	0.62	0.99
ICICI Prudential Banking & PSU Debt Fund	0.93	1.08	1.17	1.58
ITI Banking & PSU Debt Fund	0.87	0.96	0.5	0.86
Axis Banking & PSU Debt Fund	1.08	1.31	0.62	0.93
Sundaram Banking & PSU Fund	1.17	1.43	0.78	1.29

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bandhan Banking and PSU Fund	N.A.	12,651 Cr	12 yrs 11 m	0.66%
ICICI Prudential Banking & PSU Debt Fund	N.A.	9,728 Cr	16 yrs 1 m	0.73%
ITI Banking & PSU Debt Fund	N.A.	37 Cr	5 yrs 3 m	0.7%
Axis Banking & PSU Debt Fund	N.A.	13,574 Cr	13 yrs 8 m	0.62%
Sundaram Banking & PSU Fund	N.A.	377 Cr	21 yrs 1 m	0.44%

View all Banking And Psu funds

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

Alpha	2.93 vs. 3.19 Underperformed at beating benchmark
Sharpe	0.62 vs. 3.7 Poor risk-adjusted returns
Beta	1.23 vs. 1.12 More sensitive to market's ups & downs
Standard deviation	1.0 vs. 1.13 More stable returns

Compare Bandhan Banking and PSU Fund in detail with

About this fund

About Bandhan Banking and PSU Fund

Bandhan Banking and PSU Fund is a Banking and PSU mutual fund scheme from Bandhan Mutual Fund. This fund has been in existence for 12 yrs 11 m, having been launched on 26/02/2013. Bandhan Banking and PSU Fund has ₹12,651 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Bandhan Banking and PSU Fund as of 02/02/2026 is ₹25.27. The fund has an expense ratio of 0.66%, which is higher than what most other Banking And Psu funds charge.

Bandhan Banking and PSU Fund returns of last 1-year are 6.43%. Since launch, it has delivered 7.44% average annual returns. The fund has doubled the money invested in it every 11 yrs.
Bandhan Banking and PSU Fund 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 credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in GOI, Indian Railway Finance Corporation Ltd., National Bank For Agriculture & Rural Development, Indian Oil Corporation Ltd., Hindustan Petroleum Corporation Ltd..

...

Fund AUM	12,651 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Suyash Choudhary

Mr. Choudhary is a B.A (H) Economics from Delhi University and PGDM from IIM Calcutta. Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) he has worked with HSBC Asset Management (India) Pvt. Ltd., Standard Chartered Asset Management Co. Pvt. Ltd. and Deutsche Bank.

Gautam Kaul

Mr. Kaul is a B.Com (H) and MBA (Finance). Prior to joining Bandhan Mutual Fund(formerly IDFC Mutual Fund), he has worked with Edelweiss AMC, Invesco Mutual Fund, Sahara India Asset Management Company Pvt. Ltd, IDBI AMC. and Mata Securities (India) Pvt. Ltd.

Investment objective

To achieve optimal returns by investing in money market and debt instruments issued by scheduled commercial banks.

Bandhan Mutual Fund details

No. of schemes	68 view all schemes
Total AUM	1,99,722 Cr as on Dec 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	1Y	3Y
Bandhan US Treasury Bond 0-1 year Specific Debt Passive FoF	N.A.	136 Cr	9.28%	N.A.
Bandhan Fixed Term Plan Series 179	N.A.	363 Cr	7.52%	7.97%
Bandhan Crisil IBX Gilt April 2032 Index Fund	N.A.	438 Cr	6.57%	N.A.
Bandhan Gilt Fund with 10 year Constant Duration Fund	N.A.	340 Cr	6.11%	7.78%
Bandhan CRISIL IBX 90:10 SDL Plus Gilt- April 2032 Index Fund	N.A.	420 Cr	5.81%	7.7%
Bandhan CRISIL IBX 90:10 SDL Plus Gilt-September 2027 Index Fund	N.A.	150 Cr	7.35%	7.53%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Bandhan Banking and PSU Fund?

The current Net Asset Value (NAV) of the Bandhan Banking and PSU Fund plan is approximately ₹25.2735 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Bandhan Banking and PSU Fund is a 12 yrs 11 m old fund and has delivered average annual returns of 7.44% since inception.

Bandhan Banking and PSU Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
6.37%	6.94%	5.8%	7.05%	7.44%

How much does this mutual fund charge as expense ratio?

The Bandhan Banking and PSU Fund has an expense ratio of 0.66%, 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 Banking and PSU Fund currently has assets under management (AUM) or fund size valued at approximately 12,651 Cr as on Dec 31, 2025.

To whom does Bandhan Banking and PSU Fund lend to?

The top 3 debt holdings of Bandhan Banking and PSU Fund are as follows

Holding Name	Percentage of Portfolio
GOI	22.68%
Indian Railway Finance Corporation Ltd.	3.36%
National Bank For Agriculture & Rural Development	3.09%

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 Banking and PSU Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	63.77%
SOV	24.93%
A1+	5.34%

What is risk level of Bandhan Banking and PSU Fund?

This is a Banking And Psu fund comes with Moderate 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 Banking and PSU Fund?

Redeeming your investments in the Bandhan Banking and PSU Fund 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 Banking and PSU

#NA

Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Return Outperformance: This fund has generated highest return amongst Banking and PSU funds in the last 10 Years.
Chance: This fund has generated a 7.12% annual return in 70% of times for investors holding for at least 5 years.
Exit Load: This fund has no exit load.
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.