Bandhan Financial Services Fund

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

The Bandhan Financial Services Fund is a 2 yrs 3 m old fund and has delivered average annual returns of 20.42% since inception. Bandhan Financial Services Fund Returns 1-Year Since Inception 11.57% 20.42%

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹15.149+0.25% 1 day change	20.42% p.a.	App exclusive #NA View Ranked Funds	₹1,056 Cr

Historical NAV & returns

NAV: ₹15.149 as on Oct 20, 2025

This fund Category average

Bandhan Financial Services Fund overview

AUM (Fund size)	₹1,056 Cr
Exit load	0.5% Exit load of 0.5%, if redeemed within 30 days.!
Lock-in Period	Nil
Age	2 yrs 3 m since Jul 10, 2023
Benchmark	NIFTY Financial Services TRI
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	2.17% as on Sep 30, 2025
Plan type	Regular
Risk	Very High
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 Financial Services 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 17, 2025

Period	This fund	Category average
1 Month	4.26%	4.91%
3 Months	2.98%	3.57%
6 Months	7.63%	8.93%
1 Year	11.57%	14.88%
2 Years	23.18%	21.06%

View returns in detail

Asset allocationas on Sep 30, 2025

Large Cap 61.15%

Mid Cap 19.75%

Small Cap 12.99%

Other Cap 0%

Top holdings

HDFC Bank Ltd.19.64%

ICICI Bank Ltd.13.77%

Axis Bank Ltd.6.6%

Kotak Mahindra Bank Ltd.4.23%

Top sectors

Financial 82.29999999999997%

Insurance 6.809999999999999%

Services 4.81%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Others 0.04%

Allocation by Instruments

Reverse Repo 6.11502829%

Cash Margin 0.18936167%

Margin Money 0.0370202%

Other Holdings

Others 6.12%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bandhan Financial Services Fund	4.26%	7.63%	11.57%	N.A.	N.A.	N.A.
Sundaram Financial Services Opportunities Fund	5.97%	4.68%	10.64%	18.52%	21.97%	14.36%
Nippon India Banking & Financial Services Fund	4.64%	6.8%	14.29%	18.38%	25.83%	13.97%
SBI Banking & Financial Services Fund	4.81%	11.41%	18.61%	19.31%	21.55%	16.75%
Invesco India Financial Services Fund	5.05%	9.6%	13.34%	20.89%	21.83%	15.32%
Tata Banking and Financial Services Fund	5.79%	7.55%	15.2%	18.32%	20.07%	16.13%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bandhan Financial Services Fund	N.A.	N.A.	N.A.	N.A.
Sundaram Financial Services Opportunities Fund	13.09	0.91	0.88	1.67
Nippon India Banking & Financial Services Fund	12.0	0.84	0.92	1.76
SBI Banking & Financial Services Fund	11.71	0.81	1.03	1.88
Invesco India Financial Services Fund	12.65	0.82	1.04	1.66
Tata Banking and Financial Services Fund	13.0	0.9	0.85	2.04

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bandhan Financial Services Fund	N.A.	1,056 Cr	2 yrs 3 m	2.17%
Sundaram Financial Services Opportunities Fund	N.A.	1,514 Cr	17 yrs 6 m	2.1%
Nippon India Banking & Financial Services Fund	N.A.	7,185 Cr	22 yrs 5 m	1.84%
SBI Banking & Financial Services Fund	N.A.	8,693 Cr	10 yrs 8 m	1.78%
Invesco India Financial Services Fund	N.A.	1,422 Cr	17 yrs 5 m	2.13%
Tata Banking and Financial Services Fund	N.A.	2,917 Cr	9 yrs 10 m	1.91%

View all Sectoral-banking funds

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

Risk ratios are based on three-year data. The required data is unavailable for the scheme.

Compare Bandhan Financial Services Fund in detail with

About this fund

About Bandhan Financial Services Fund

Bandhan Financial Services Fund is a Sectoral-Banking mutual fund scheme from Bandhan Mutual Fund. This fund has been in existence for 2 yrs 3 m, having been launched on 10/07/2023. Bandhan Financial Services Fund has ₹1,056 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 Financial Services Fund as of 20/10/2025 is ₹15.15. The fund has an expense ratio of 2.17%, which is higher than what most other Sectoral-banking funds charge.

Bandhan Financial Services Fund returns of last 1-year are 7.93%. Since launch, it has delivered 20.44% average annual returns.
The fund has the majority of its money invested in Financial, Insurance, Services sectors. It has taken less exposure in Financial, Insurance sectors compared to other funds in the category.
The fund's top 5 holdings are in HDFC Bank Ltd., ICICI Bank Ltd., Axis Bank Ltd., Kotak Mahindra Bank Ltd., Bajaj Finance Ltd..

...

Fund AUM	1,056 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.

Harshvardhan Agrawal

Mr. Agrawal has done BE, MBA and CFA Prior to joining Bandhan Mutual Fund, he has worked with Infina Finance Private Ltd, iAlpha Enterprises, Motilal Oswal Financial Services and Aranca India Pvt Ltd.

Ritu Modi

Ms. Modi has done B.com and MMS(Finance). Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund), she has worked with IIFL Mutual Fund, LIC Mutual Fund, she has worked with Ambit Capital as Research Analyst.

Investment objective

The Scheme seeks to generate long-term capital appreciation by investing predominantly in equity and equity related instruments of companies engaged in financial services

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 Infrastructure Fund	N.A.	1,615 Cr	-0.25%	32.53%
Bandhan Small Cap Fund	N.A.	15,738 Cr	7.3%	30.75%
Bandhan Value Fund	N.A.	9,942 Cr	2.64%	27.23%
Bandhan Large & Mid Cap Fund	N.A.	10,818 Cr	8.51%	25.7%
Bandhan ELSS Tax Saver Fund	N.A.	6,948 Cr	4.9%	23.55%
Bandhan Flexi Cap Fund	N.A.	7,384 Cr	7.75%	19.02%

See all Equity funds from this AMC

Frequently asked questions

What is the current NAV of Bandhan Financial Services Fund?

The current Net Asset Value (NAV) of the Bandhan Financial Services Fund plan is approximately ₹15.149 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Bandhan Financial Services Fund is a 2 yrs 3 m old fund and has delivered average annual returns of 20.42% since inception.

Bandhan Financial Services Fund Returns

1-Year	Since Inception
11.57%	20.42%

How much does this mutual fund charge as expense ratio?

The Bandhan Financial Services Fund has an expense ratio of 2.17%, 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 Financial Services Fund currently has assets under management (AUM) or fund size valued at approximately 1,056 Cr as on Sep 30, 2025.

What are the top stock holdings of Bandhan Financial Services Fund?

The Bandhan Financial Services Fund has invested the majority of its money in the stocks of the following companies -

Company	Percentage of Portfolio
HDFC Bank Ltd.	19.64%
ICICI Bank Ltd.	13.77%
Axis Bank Ltd.	6.6%
Kotak Mahindra Bank Ltd.	4.23%
Bajaj Finance Ltd.	4.05%
Cholamandalam Investment and Finance Company Ltd.	3.8%
Max Financial Services Ltd.	2.97%
State Bank of India	2.29%
PB Fintech Ltd.	2.05%
One97 Communications Ltd.	1.95%

What are the top sectors Bandhan Financial Services Fund has invested in?

The Bandhan Financial Services Fund has primarily invested in the following sectors

Sector	Percentage of Portfolio
Financial	82.29999999999997%
Insurance	6.809999999999999%
Services	4.81%

What is risk level of Bandhan Financial Services Fund?

This is a Sectoral-banking fund comes with Very 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 Financial Services Fund?

Redeeming your investments in the Bandhan Financial Services 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 Sectoral-Banking

#NA

Return Outperformance: This fund has generated highest return amongst Sectoral-Banking funds in the last 2 Years.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load of 0.5%, if redeemed within 30 days.