Bandhan GSF Investment Fund

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

The Bandhan GSF Investment Fund is a 16 yrs 10 m old fund and has delivered average annual returns of 7.8% since inception. Bandhan GSF Investment Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 4.16% 7.31% 4.95% 7.42% 7.8%

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

The Bandhan GSF Investment Fund has an expense ratio of 1.14% , 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)
₹35.3044+0.07% 1 day change	7.8% p.a.	App exclusive #NA View Ranked Funds	₹2,540 Cr

Historical NAV & returns

NAV: ₹35.3044 as on Oct 20, 2025

This fund Category average

Bandhan GSF Investment Fund overview

AUM (Fund size)	₹2,540 Cr
Exit load	0%
Lock-in Period	Nil
Age	16 yrs 10 m since Dec 01, 2008
Benchmark	CRISIL Dynamic Gilt Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	1.14% as on Sep 30, 2025
Plan type	Regular
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Bandhan GSF Investment 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 26, 2025

Period	This fund	Category average
1 Month	0.6%	0.75%
3 Months	-0.05%	0.06%
6 Months	-1.11%	-0.36%
1 Year	4.16%	5.28%
2 Years	8.3%	7.68%
3 Years	7.31%	7.06%
4 Years	5.58%	5.67%
5 Years	4.95%	5.07%
7 Years	7.84%	7.17%
10 Years	7.42%	6.94%

Asset allocationas on Sep 30, 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

SOV 98.28254702%

Cash & Call Money 1.65%

Others 0.07%

Top Debt Holdings

GOI 94.64%

Maharashtra State 2.04%

Tamilnadu State 1.6%

Others 0.07%

Allocation by Instruments

GOI Securities 94.64254702000001%

State Development Loan 3.64%

Net Current Assets 1.53%

Reverse Repo 0.12%

Other Holdings

Others 0.12%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bandhan GSF Investment Fund	0.6%	-1.11%	4.16%	7.31%	4.95%	7.42%
SBI Magnum Gilt Fund	0.61%	-0.06%	5.79%	7.61%	5.8%	7.73%
Axis Gilt Fund	0.96%	0.36%	6.48%	7.71%	5.55%	7.19%
ICICI Prudential Gilt Fund	0.72%	1.89%	7.8%	7.95%	6.19%	7.86%
UTI Gilt Fund	0.56%	-0.17%	5.62%	7.1%	5.1%	7.18%
DSP Gilt Fund	0.77%	-0.15%	5.56%	7.75%	5.64%	7.64%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bandhan GSF Investment Fund	4.07	1.12	0.18	0.24
SBI Magnum Gilt Fund	3.05	0.83	0.32	0.44
Axis Gilt Fund	2.98	0.8	0.31	0.46
ICICI Prudential Gilt Fund	1.92	0.48	0.62	0.73
UTI Gilt Fund	2.95	0.8	0.17	0.2
DSP Gilt Fund	3.54	0.98	0.3	0.41

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bandhan GSF Investment Fund	N.A.	2,540 Cr	16 yrs 10 m	1.14%
SBI Magnum Gilt Fund	N.A.	11,308 Cr	21 yrs 10 m	0.94%
Axis Gilt Fund	N.A.	679 Cr	13 yrs 9 m	0.82%
ICICI Prudential Gilt Fund	N.A.	9,109 Cr	26 yrs 3 m	1.09%
UTI Gilt Fund	N.A.	566 Cr	23 yrs 9 m	0.93%
DSP Gilt Fund	N.A.	1,494 Cr	26 yrs 1 m	1.17%

View all Gilt funds

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

Alpha	-1.52 vs. 1.41 Underperformed at beating benchmark
Sharpe	0.18 vs. 2.03 Poor risk-adjusted returns
Beta	1.12 vs. 0.45 More sensitive to market's ups & downs
Standard deviation	4.07 vs. 2.62 More volatile performance

Compare Bandhan GSF Investment Fund in detail with

About this fund

About Bandhan GSF Investment Fund

Bandhan GSF Investment Fund is a Gilt mutual fund scheme from Bandhan Mutual Fund. This fund has been in existence for 16 yrs 10 m, having been launched on 01/12/2008. Bandhan GSF Investment Fund has ₹2,540 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 GSF Investment Fund as of 20/10/2025 is ₹35.30. The fund has an expense ratio of 1.14%, which is higher than what most other Gilt funds charge.

Bandhan GSF Investment Fund returns of last 1-year are 3.89%. Since launch, it has delivered 7.75% average annual returns. The fund has doubled the money invested in it every 10 yrs.
Bandhan GSF Investment 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, Maharashtra State, Tamilnadu State.

...

Fund AUM	2,540 Cr as on Sep 30, 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.

Investment objective

The scheme seeks to generate reasonable return with high liquidity through investment in Government securities across maturities.

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	3Y
Bandhan Government Securities Fund Constant Maturity Plan	N.A.	341 Cr	8.29%	8.57%
Bandhan Fixed Term Plan Series 179	N.A.	356 Cr	8.19%	8.49%
Bandhan CRISIL IBX 90:10 SDL Plus Gilt- April 2032 Index Fund	N.A.	492 Cr	7.54%	N.A.
Bandhan CRISIL IBX Gilt April 2028 Index Fund	N.A.	4,294 Cr	8.18%	7.92%
Bandhan Crisil IBX Gilt April 2032 Index Fund	N.A.	441 Cr	8.6%	N.A.
Bandhan CRISIL IBX Gilt June 2027 Index Fund	N.A.	6,420 Cr	7.95%	7.76%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Bandhan GSF Investment Fund?

The current Net Asset Value (NAV) of the Bandhan GSF Investment Fund plan is approximately ₹35.3044 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Bandhan GSF Investment Fund is a 16 yrs 10 m old fund and has delivered average annual returns of 7.8% since inception.

Bandhan GSF Investment Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
4.16%	7.31%	4.95%	7.42%	7.8%

How much does this mutual fund charge as expense ratio?

The Bandhan GSF Investment Fund has an expense ratio of 1.14%, 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 GSF Investment Fund currently has assets under management (AUM) or fund size valued at approximately 2,540 Cr as on Sep 30, 2025.

To whom does Bandhan GSF Investment Fund lend to?

The top 3 debt holdings of Bandhan GSF Investment Fund are as follows

Holding Name	Percentage of Portfolio
GOI	94.64%
Maharashtra State	2.04%
Tamilnadu State	1.6%

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 GSF Investment Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
SOV	98.28254702%
Cash & Call Money	1.65%
Others	0.07%

What is risk level of Bandhan GSF Investment Fund?

This is a Gilt 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 GSF Investment Fund?

Redeeming your investments in the Bandhan GSF Investment 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 Gilt

#NA

Return Outperformance: This fund has generated highest return amongst Gilt funds in the last 10 Years.
Exit Load: This fund has no exit load.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Chance: This fund has generated only 7.68% annual return in 70% of times for investors holding for at least 5 years.
Return/Risk: The fund is performing poorly than its category.