Bandhan Financial Services Fund

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

The Bandhan Financial Services Fund is a 2 yrs 5 m old fund and has delivered average annual returns of 19.66% since inception. Bandhan Financial Services Fund Returns 1-Year Since Inception 9.78% 19.66%

NAV as of Dec 04, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹15.333-0.21% 1 day change	19.66% p.a.	App exclusive #NA View Ranked Funds	₹1,105 Cr

Historical NAV & returns

NAV: ₹15.333 as on Dec 04, 2025

This fund Category average

Bandhan Financial Services Fund overview

AUM (Fund size)	₹1,105 Cr
Exit load	0.5% Exit load of 0.5%, if redeemed within 30 days.!
Lock-in Period	Nil
Age	2 yrs 5 m since Jul 10, 2023
Benchmark	NIFTY Financial Services TRI
Min. investment	SIP: ₹1000 & Lumpsum: ₹1000
Expense ratio	2.15% as on Nov 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 Dec 01, 2025

Period	This fund	Category average
1 Month	1.72%	1.84%
3 Months	7.52%	7.47%
6 Months	6.42%	5.82%
1 Year	9.78%	8.65%
2 Years	17.29%	13.19%

View returns in detail

Asset allocationas on Oct 31, 2025

Large Cap 60.33%

Mid Cap 20.38%

Small Cap 14.17%

Other Cap 0%

Top holdings

HDFC Bank Ltd.19.8%

ICICI Bank Ltd.15.7%

Axis Bank Ltd.5.33%

Kotak Mahindra Bank Ltd.4.65%

Top sectors

Financial 82.34%

Insurance 7.04%

Services 5.5%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Others 0.02%

Allocation by Instruments

Reverse Repo 3.69%

Net Receivables 1.22%

Cash Margin 0.18%

Margin Money 0.02%

Other Holdings

Others 1.22%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bandhan Financial Services Fund	1.72%	6.42%	9.78%	N.A.	N.A.	N.A.
Sundaram Financial Services Opportunities Fund	1.59%	5.31%	11.55%	17.44%	18.36%	15.05%
Nippon India Banking & Financial Services Fund	1.55%	6.22%	13.99%	17.09%	21.32%	14.57%
SBI Banking & Financial Services Fund	2.08%	10.84%	16.48%	19.11%	17.97%	17.26%
Invesco India Financial Services Fund	1.38%	7.23%	11.45%	19.72%	18.51%	16.14%
Tata Banking and Financial Services Fund	1.33%	7.08%	13.95%	16.14%	16.8%	16.22%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bandhan Financial Services Fund	N.A.	N.A.	N.A.	N.A.
Sundaram Financial Services Opportunities Fund	12.96	0.92	0.86	1.61
Nippon India Banking & Financial Services Fund	11.92	0.86	0.9	1.71
SBI Banking & Financial Services Fund	11.71	0.83	1.06	1.93
Invesco India Financial Services Fund	12.61	0.84	1.04	1.64
Tata Banking and Financial Services Fund	12.68	0.89	0.79	2.04

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bandhan Financial Services Fund	N.A.	1,105 Cr	2 yrs 5 m	2.15%
Sundaram Financial Services Opportunities Fund	N.A.	1,601 Cr	17 yrs 7 m	2.08%
Nippon India Banking & Financial Services Fund	N.A.	7,543 Cr	22 yrs 7 m	1.83%
SBI Banking & Financial Services Fund	N.A.	9,273 Cr	10 yrs 10 m	1.76%
Invesco India Financial Services Fund	N.A.	1,589 Cr	17 yrs 6 m	2.09%
Tata Banking and Financial Services Fund	N.A.	3,125 Cr	10 yrs	1.89%

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 5 m, having been launched on 10/07/2023. Bandhan Financial Services Fund has ₹1,105 Crores worth of assets under management (AUM) as on 31/10/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Bandhan Financial Services Fund as of 04/12/2025 is ₹15.33. The fund has an expense ratio of 2.15%, which is higher than what most other Sectoral-banking funds charge.

Bandhan Financial Services Fund returns of last 1-year are 8.22%. Since launch, it has delivered 19.89% 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	1,105 Cr as on Oct 31, 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.	1,625 Cr	-8.75%	27.97%
Bandhan Small Cap Fund	N.A.	17,380 Cr	-1.67%	27.45%
Bandhan Value Fund	N.A.	10,302 Cr	1.69%	23.62%
Bandhan Large & Mid Cap Fund	N.A.	11,799 Cr	6.35%	22.88%
Bandhan ELSS Tax Saver Fund	N.A.	7,215 Cr	4.41%	20.48%
Bandhan Flexi Cap Fund	N.A.	7,645 Cr	6.61%	16.53%

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 ₹15.333 as of Dec 04, 2025.

What are the returns of this mutual fund scheme?

The Bandhan Financial Services Fund is a 2 yrs 5 m old fund and has delivered average annual returns of 19.66% since inception.

Bandhan Financial Services Fund Returns

1-Year	Since Inception
9.78%	19.66%

How much does this mutual fund charge as expense ratio?

The Bandhan Financial Services Fund has an expense ratio of 2.15%, 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 1,105 Cr as on Oct 31, 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.	19.8%
ICICI Bank Ltd.	15.7%
Axis Bank Ltd.	5.33%
Kotak Mahindra Bank Ltd.	4.65%
Bajaj Finance Ltd.	3.61%
Max Financial Services Ltd.	2.47%
One97 Communications Ltd.	2.42%
State Bank of India	2.26%
Cholamandalam Investment and Finance Company Ltd.	2.07%
PB Fintech Ltd.	1.98%

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	82.34%
Insurance	7.04%
Services	5.5%

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.