Bandhan Liquid Fund Direct Plan-Growth

Q: What are the returns of Bandhan Liquid Fund?

The Bandhan Liquid Fund is a 12 yrs 5 m old fund and has delivered average annual returns of 6.81% since inception. Bandhan Liquid Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.27% 7.0% 5.54% 6.26% 6.81%

NAV as of Jun 05, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹3171.5544+0.02% 1 day change	6.81% p.a.	#NA View Ranked Funds	₹13,835 Crs

Historical NAV & returns

NAV: ₹3171.5544 as on Jun 05, 2025

This fund Category average

Bandhan Liquid Fund overview

Expense ratio	0.12% as on May 31, 2025
Exit load	0.007% Exit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days.!
AUM (Fund size)	₹13,835 Crs
Lock-in	No Lockin
Age	12 yrs 5 m since Jan 01, 2013
Benchmark	NIFTY Liquid Index A-I
Min. investment	SIP ₹100 & Lump. ₹100
Risk	Low to Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Bandhan Liquid 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 Jun 06, 2025

Period	This fund	Category average
1 Month	0.54%	0.54%
3 Months	1.81%	1.8%
6 Months	3.57%	3.56%
1 Year	7.27%	7.24%
2 Years	7.32%	7.27%
3 Years	7.0%	6.95%
4 Years	6.12%	6.09%
5 Years	5.54%	5.53%
7 Years	5.8%	5.83%
10 Years	6.26%	6.28%

Asset allocationas on Dec 31, 2024

Large Cap 0.0%

Mid Cap 0.0%

Small Cap 0.0%

Other Cap 0.0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

A1+ 86.27%

SOV 17.57%

AAA 3.82%

Others 0.26000145%

Top Debt Holdings

Reserve Bank of India 17.57%

National Bank For Agriculture & Rural Development 10.89%

Punjab National Bank 7.86%

Bank Of Baroda 7.54%

Allocation by Instruments

Commercial Paper 45.12999999999999%

Certificate of Deposit 41.14%

Treasury Bills 17.57%

Debenture 3.82%

Other Holdings

Others 0.09%

Peer comparison

Fund name	ETM Rank	AUM (in Crs.)	Fund age	Expense ratio
Bandhan Liquid Fund	N.A.	₹13,835 Crs	12 yrs 5 m	0.12%
Mirae Asset Liquid Fund	N.A.	₹12,485 Crs	12 yrs 5 m	0.09%
Sundaram Liquid Fund	N.A.	₹5,946 Crs	12 yrs 5 m	0.13%
Navi Liquid Fund	N.A.	₹74 Crs	12 yrs 5 m	0.15%
JM Liquid Fund	N.A.	₹2,680 Crs	12 yrs 5 m	0.16%
Mahindra Manulife Liquid Fund	N.A.	₹1,314 Crs	8 yrs 11 m	0.14%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bandhan Liquid Fund	0.54%	3.57%	7.27%	7.0%	5.54%	6.26%
Mirae Asset Liquid Fund	0.55%	3.59%	7.31%	7.02%	5.59%	6.29%
Sundaram Liquid Fund	0.55%	3.63%	7.35%	7.03%	5.6%	6.24%
Navi Liquid Fund	0.51%	3.3%	6.85%	6.66%	5.39%	6.22%
JM Liquid Fund	0.54%	3.53%	7.2%	6.95%	5.53%	6.33%
Mahindra Manulife Liquid Fund	0.55%	3.59%	7.32%	7.05%	5.63%	5.51%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bandhan Liquid Fund	0.22	0.49	2.16	2.17
Mirae Asset Liquid Fund	0.23	0.48	2.19	2.33
Sundaram Liquid Fund	0.23	0.47	2.29	2.42
Navi Liquid Fund	0.18	0.34	0.91	1.02
JM Liquid Fund	0.21	0.44	2.11	2.06
Mahindra Manulife Liquid Fund	0.21	0.45	2.49	2.5

View all Liquid funds

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

Alpha	1.41 vs. 2.87 Underperformed at beating benchmark
Sharpe	2.16 vs. 2.98 Poor risk-adjusted returns
Beta	0.49 vs. 1.06 Less sensitive to market ups & downs
Standard deviation	0.22 vs. 0.21 More volatile performance

Compare Bandhan Liquid Fund in detail with

About this fund

About Bandhan Liquid Fund

Bandhan Liquid Fund Direct Plan-Growth is a Liquid mutual fund scheme from Bandhan Mutual Fund. This fund has been in existence for 12 yrs 5 m, having been launched on 01/01/2013. Bandhan Liquid Fund Direct Plan-Growth has ₹13,835 Crores worth of assets under management (AUM) as on 31/03/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Bandhan Liquid Fund Direct Plan-Growth as of 05/06/2025 is ₹3171.55. The fund has an expense ratio of 0.12%, which is close to what most other Liquid funds charge.

Bandhan Liquid Fund Direct Plan-Growth returns of last 1-year are 7.29%. Since launch, it has delivered 6.82% average annual returns. The fund has doubled the money invested in it every 12 yrs.
Bandhan Liquid Fund Direct Plan-Growth 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 similar borrowers and hence the risk of default in this fund is same as the category.
The fund's top holdings are in Reserve Bank of India, National Bank For Agriculture & Rural Development, Punjab National Bank, Bank Of Baroda, HDFC Bank Ltd..

...

Fund AUM	₹13,835 Crs as on Mar 31, 2025
Scheme document	View Scheme Document

Fund managers

Brijesh Shah

Mr. Shah is a Post Graduate Diploma in Finance. Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) he has worked with IDBI Mutual Fund, IndiaBulls Mutual Fund, Mata Securities & Twenty First Century.

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.

Investment objective

The Scheme seeks to offer an investment avenue for short term savings by looking to generate returns commensurate with a low risk strategy and with high liquidity, from a portfolio that is invested in debt and money market securities with maturity up to 91 days.

Bandhan Mutual Fund details

No. of schemes	66 view all schemes
Total AUM	₹1,67,339 Crs as on Mar 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 (in Crs.)	1Y	3Y
Bandhan Government Securities Fund Constant Maturity Plan	N.A.	₹360 Crs	12.54%	9.85%
Bandhan GSF Investment Fund	N.A.	₹3,841 Crs	10.63%	9.37%
Bandhan Dynamic Bond Fund	N.A.	₹3,076 Crs	10.35%	9.13%
Bandhan CRISIL IBX Gilt April 2028 Index Fund	N.A.	₹4,704 Crs	10.0%	8.49%
Bandhan Bond Fund Medium Term Plan	N.A.	₹1,475 Crs	10.57%	8.36%
Bandhan Bond Fund Short Term Plan	N.A.	₹9,728 Crs	10.28%	8.32%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Bandhan Liquid Fund?

The current Net Asset Value (NAV) of the Bandhan Liquid Fund - Direct Growth plan is approximately ₹3171.5544 as of Jun 05, 2025.

What are the returns of this mutual fund scheme?

The Bandhan Liquid Fund is a 12 yrs 5 m old fund and has delivered average annual returns of 6.81% since inception.

Bandhan Liquid Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.27%	7.0%	5.54%	6.26%	6.81%

How much does this mutual fund charge as expense ratio?

The Bandhan Liquid Fund - Direct Growth has an expense ratio of 0.12%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

What is the AUM or fund size of this mutual fund?

The Bandhan Liquid Fund currently has assets under management (AUM) or fund size valued at approximately ₹13,835 Crs crore as of Mar 31, 2025.

To whom does Bandhan Liquid Fund lend to?

The top 3 debt holdings of Bandhan Liquid Fund are as follows

Holding Name	Percentage of Portfolio
Reserve Bank of India	17.57%
National Bank For Agriculture & Rural Development	10.89%
Punjab National Bank	7.86%

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 Liquid Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	86.27%
SOV	17.57%
AAA	3.82%

What is risk level of Bandhan Liquid Fund?

This is a Liquid 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 do I invest in Bandhan Liquid Fund?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for Bandhan Liquid Fund and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in Bandhan Liquid Fund is complete.

How can I redeem my investments in Bandhan Liquid Fund?

Redeeming your investments in Bandhan Liquid Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in Bandhan Liquid Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

in Liquid

#NA

Return Outperformance: This fund has generated highest return amongst Liquid funds in the last 1 Month.
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 of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days.