Bandhan Equity Savings Fund

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

The Bandhan Equity Savings Fund is a 17 yrs 5 m old fund and has delivered average annual returns of 6.85% since inception. Bandhan Equity Savings Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 5.92% 7.81% 8.11% 6.58% 6.85%

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

The Bandhan Equity Savings Fund has an expense ratio of 1.1% , 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 Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹31.666+0.05% 1 day change	6.85% p.a.	App exclusive #NA View Ranked Funds	₹355 Cr

Historical NAV & returns

NAV: ₹31.666 as on Oct 20, 2025

This fund Category average

Bandhan Equity Savings Fund overview

AUM (Fund size)	₹355 Cr
Exit load	0.25% Exit Load for units in excess of 10% of the investment,0.25% will be charged for redemption within 7 days.!
Lock-in Period	Nil
Age	17 yrs 5 m since May 05, 2008
Benchmark	CRISIL Equity Saving
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	1.1% as on Sep 30, 2025
Plan type	Regular
Risk	Low to Moderate
Short term capital gains (STCG)	Returns taxed at 20% if you redeem before 1 year
Long term capital gains (LTCG)	After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%

Bandhan Equity Savings 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 Oct 25, 2025

Period	This fund	Category average
1 Month	0.83%	1.26%
3 Months	1.41%	2.14%
6 Months	3.0%	4.86%
1 Year	5.92%	6.75%
2 Years	8.17%	11.04%
3 Years	7.81%	10.14%
4 Years	6.44%	7.98%
5 Years	8.11%	10.48%
7 Years	7.62%	9.05%
10 Years	6.58%	8.03%

Asset allocationas on Sep 30, 2025

Large Cap 10.25%

Mid Cap 1.02%

Small Cap 0%

Other Cap 0%

Top holdings

ICICI Bank Ltd.4.8%

HDFC Bank Ltd.3.99%

Axis Bank Ltd.3.99%

Reliance Industries Ltd.3.51%

Top sectors

Financial 20.7%

Consumer Staples 7.28%

Automobile 5.88%

Energy 5.449999999999999%

Cash 55.71143869%

SOV 15.30731219%

AAA 10.00109635%

A1+ 6.793225%

Top Debt Holdings

Gujarat State 5.82%

Indian Railway Finance Corporation Ltd. 4.3%

GOI 4.27%

Tata Capital Ltd. 2.87%

Allocation by Instruments

Cash Margin 55.71143869%

State Development Loan 9.79187972%

Mutual Fund 7.57496093%

Non Convertible Debenture 5.7033932499999995%

Other Holdings

Bandhan Money Manager Fund Direct-Growth 7.57%

Others 1.73%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bandhan Equity Savings Fund	0.83%	3.0%	5.92%	7.81%	8.11%	6.58%
Kotak Equity Savings Fund	0.94%	6.3%	8.15%	11.82%	11.63%	9.4%
UTI Equity Savings Fund	1.72%	3.73%	6.44%	10.88%	11.89%	6.41%
Edelweiss Equity Savings Fund	1.47%	6.12%	9.28%	11.47%	11.03%	9.07%
Tata Equity Savings Fund	1.05%	3.36%	6.57%	10.04%	9.86%	7.58%
ICICI Prudential Equity Savings Fund	1.14%	4.4%	7.47%	9.03%	9.83%	8.2%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bandhan Equity Savings Fund	2.09	0.26	0.57	0.96
Kotak Equity Savings Fund	5.05	0.66	1.02	1.29
UTI Equity Savings Fund	4.21	0.56	0.98	1.48
Edelweiss Equity Savings Fund	3.63	0.46	1.25	1.69
Tata Equity Savings Fund	3.57	0.47	0.91	1.51
ICICI Prudential Equity Savings Fund	2.32	0.28	1.0	1.66

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bandhan Equity Savings Fund	N.A.	355 Cr	17 yrs 5 m	1.1%
Kotak Equity Savings Fund	N.A.	8,782 Cr	11 yrs 1 m	1.76%
UTI Equity Savings Fund	N.A.	733 Cr	7 yrs 2 m	1.64%
Edelweiss Equity Savings Fund	N.A.	947 Cr	11 yrs 1 m	1.58%
Tata Equity Savings Fund	N.A.	270 Cr	28 yrs 7 m	1.13%
ICICI Prudential Equity Savings Fund	N.A.	16,487 Cr	10 yrs 11 m	0.98%

View all Equity Savings funds

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

Alpha	0.02 vs. 3.22 Underperformed at beating benchmark
Sharpe	0.57 vs. 3.22 Poor risk-adjusted returns
Beta	0.26 vs. 0.73 Less sensitive to market ups & downs
Standard deviation	2.09 vs. 3.8 More stable returns

Compare Bandhan Equity Savings Fund in detail with

About this fund

About Bandhan Equity Savings Fund

Bandhan Equity Savings Fund is a Equity Savings mutual fund scheme from Bandhan Mutual Fund. This fund has been in existence for 17 yrs 5 m, having been launched on 05/05/2008. Bandhan Equity Savings Fund has ₹355 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 Equity Savings Fund as of 20/10/2025 is ₹31.67. The fund has an expense ratio of 1.1%, which is higher than what most other Equity Savings funds charge. Currently, the fund has a 11.27% allocation to equity and 32.14% to Debt.

Bandhan Equity Savings Fund returns of last 1-year are 5.81%. Since launch, it has delivered 6.86% average annual returns. The fund has doubled the money invested in it every 11 yrs.
Bandhan Equity Savings 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 above average.
The fund's equity portion is primarily invested in Financial, Unclassified, Consumer Staples, Automobile, Energy sectors. It has taken less exposure in Financial, 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 Money Manager Fund Direct-Growth, Gujarat State, ICICI Bank Ltd., Indian Railway Finance Corporation Ltd., GOI.

...

Fund AUM	355 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Harshal Joshi

Mr. Joshi is PGDBM from N.L. Dalmia Institute of Management Studies and Research, Mumbai Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) in 2008 he has worked with ICAP India Pvt. Ltd.

Nemish Sheth

Mr. Sheth is a B.Com, PGDM(FINANCE) Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund), he has worked with Nippon Life India Asset Management Ltd. and ICICI Prudential Asset Management Company Ltd.

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).

Kapil Kankonkar

Bachelor of Engineering, Master of Management Studies. Prior to joining the Bandhan AMC, he was associated with Kotak Securities Ltd, JM Financial Services Ltd,

Investment objective

The scheme seeks to generate income by predominantly investing in arbitrage opportunities in the cash and derivatives segments of the equity markets along with debt and money market instruments and to generate long-term capital appreciation by investing a portion of the Schemes assets in equity and equity related instruments.

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 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 Equity Savings Fund?

The current Net Asset Value (NAV) of the Bandhan Equity Savings Fund plan is approximately ₹31.666 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Bandhan Equity Savings Fund is a 17 yrs 5 m old fund and has delivered average annual returns of 6.85% since inception.

Bandhan Equity Savings Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
5.92%	7.81%	8.11%	6.58%	6.85%

How much does this mutual fund charge as expense ratio?

The Bandhan Equity Savings Fund has an expense ratio of 1.1%, 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 Equity Savings Fund currently has assets under management (AUM) or fund size valued at approximately 355 Cr as on Sep 30, 2025.

What are the top stock holdings of Bandhan Equity Savings Fund?

The Bandhan Equity Savings Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
ICICI Bank Ltd.	4.8%
HDFC Bank Ltd.	3.99%
Axis Bank Ltd.	3.99%
Reliance Industries Ltd.	3.51%
State Bank of India	3.08%
Kotak Mahindra Bank Ltd.	2.94%
Maruti Suzuki India Ltd.	2.72%
Larsen & Toubro Ltd.	2.69%
Pidilite Industries Ltd.	2.61%
Multi Commodity Exchange Of India Ltd.	2.36%

What are the top sectors Bandhan Equity Savings Fund has invested in?

The Bandhan Equity Savings Fund's equity portion is primarily invested in the following sectors -

Sector	Percentage of Portfolio
Financial	20.7%
Consumer Staples	7.28%
Automobile	5.88%
Energy	5.449999999999999%
Healthcare	4.4399999999999995%
Services	4.1%
Technology	4.08%
Metals & Mining	3.32%
Materials	2.9299999999999997%
Construction	2.69%

To whom does Bandhan Equity Savings Fund lend to?

The top 3 debt holdings of Bandhan Equity Savings Fund are as follows

Holding Name	Percentage of Portfolio
Gujarat State	5.82%
Indian Railway Finance Corporation Ltd.	4.3%
GOI	4.27%

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 Equity Savings Fund's debt portion's allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
Cash	55.71143869%
SOV	15.30731219%
AAA	10.00109635%

What is risk level of Bandhan Equity Savings Fund?

This is a Equity Savings fund comes with Low to 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 Equity Savings Fund?

Redeeming your investments in the Bandhan Equity Savings 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 Equity Savings

#NA

Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
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,0.25% will be charged for redemption within 7 days.