Bandhan Liquid Fund Regular-Growth

Q: What are the returns of Bandhan Liquid Fund?

The Bandhan Liquid Fund is a 21 yrs 4 m old fund and has delivered average annual returns of 5.55% since inception. Bandhan Liquid Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 6.89% 6.92% 5.52% 6.13% 5.55%

NAV as of Aug 04, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹3171.0527+0.01% 1 day change	5.55% p.a.	#NA View Ranked Funds	₹13,626 Cr

Historical NAV & returns

NAV: ₹3171.0527 as on Aug 04, 2025

This fund Category average

Bandhan Liquid Fund overview

Expense ratio	0.25% 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)	₹13,626 Cr
Lock-in Period	Nil
Age	21 yrs 4 m since Apr 01, 2004
Benchmark	NIFTY Liquid Index A-I
Min. investment	SIP: ₹100 & Lumpsum: ₹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 Aug 08, 2025

Period	This fund	Category average
1 Month	0.42%	0.42%
3 Months	1.48%	1.49%
6 Months	3.26%	3.26%
1 Year	6.89%	6.9%
2 Years	7.08%	7.07%
3 Years	6.92%	6.9%
4 Years	6.11%	6.09%
5 Years	5.52%	5.5%
7 Years	5.66%	5.68%
10 Years	6.13%	6.16%

Asset allocationas on May 31, 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

A1+ 78.14%

SOV 8.06%

AAA 7.55%

Cash & Call Money 5.98%

Top Debt Holdings

National Bank For Agriculture & Rural Development 10.43%

Reserve Bank of India 8.06%

Export-Import Bank Of India 7.49%

Reliance Jio Infocomm Ltd. 5.5%

Allocation by Instruments

Bifurcation by Instrument is not available for this fund

Other Holdings

Others 0.27%

Detailed portfolio analysis

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bandhan Liquid Fund	N.A.	13,626 Cr	21 yrs 4 m	0.25%
Mirae Asset Liquid Fund	N.A.	14,285 Cr	12 yrs 7 m	0.09%
Sundaram Liquid Fund	N.A.	6,288 Cr	12 yrs 7 m	0.13%
JM Liquid Fund	N.A.	2,196 Cr	12 yrs 7 m	0.16%
Navi Liquid Fund	N.A.	121 Cr	12 yrs 7 m	0.15%
Quant Liquid Fund	N.A.	1,679 Cr	12 yrs 7 m	0.26%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bandhan Liquid Fund	0.42%	3.26%	6.89%	6.92%	5.52%	6.13%
Mirae Asset Liquid Fund	0.43%	3.35%	7.08%	7.08%	5.68%	6.25%
Sundaram Liquid Fund	0.43%	3.38%	7.12%	7.09%	5.68%	6.2%
JM Liquid Fund	0.43%	3.31%	6.99%	7.01%	5.62%	6.28%
Navi Liquid Fund	0.41%	3.05%	6.65%	6.7%	5.48%	6.17%
Quant Liquid Fund	0.44%	3.28%	7.08%	6.96%	5.94%	6.59%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bandhan Liquid Fund	0.18	0.38	2.13	2.55
Mirae Asset Liquid Fund	0.18	0.38	2.93	3.64
Sundaram Liquid Fund	0.18	0.37	2.98	3.96
JM Liquid Fund	0.16	0.33	2.92	3.46
Navi Liquid Fund	0.15	0.25	1.25	1.69
Quant Liquid Fund	0.17	0.34	2.44	3.08

View all Liquid funds

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

Alpha	1.09 vs. 3.14 Underperformed at beating benchmark
Sharpe	2.13 vs. 2.93 Poor risk-adjusted returns
Beta	0.38 vs. 1.12 Less sensitive to market ups & downs
Standard deviation	0.18 vs. 0.16 More volatile performance

Compare Bandhan Liquid Fund in detail with

About this fund

About Bandhan Liquid Fund

Bandhan Liquid Fund Regular-Growth is a Liquid mutual fund scheme from Bandhan Mutual Fund. This fund has been in existence for 21 yrs 4 m, having been launched on 01/04/2004. Bandhan Liquid Fund Regular-Growth has ₹13,626 Crores worth of assets under management (AUM) as on 31/05/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Bandhan Liquid Fund Regular-Growth as of 04/08/2025 is ₹3171.05. The fund has an expense ratio of 0.25%, which is higher than what most other Liquid funds charge.

Bandhan Liquid Fund Regular-Growth returns of last 1-year are 6.94%. Since launch, it has delivered 6.95% average annual returns. The fund has doubled the money invested in it every 12 yrs.
Bandhan Liquid Fund Regular-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 better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in National Bank For Agriculture & Rural Development, Reserve Bank of India, Export-Import Bank Of India, Reliance Jio Infocomm Ltd., Axis Bank Ltd..

...

Fund AUM	13,626 Cr as on May 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	67 view all schemes
Total AUM	1,77,378 Cr as on Jun 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.	372 Cr	9.33%	8.8%
Bandhan CRISIL IBX 90:10 SDL Plus Gilt- April 2032 Index Fund	N.A.	544 Cr	10.01%	N.A.
Bandhan CRISIL IBX Gilt April 2028 Index Fund	N.A.	4,682 Cr	8.63%	7.96%
Bandhan Bond Fund Short Term Plan	N.A.	10,116 Cr	9.18%	7.94%
Bandhan Floating Rate Fund	N.A.	312 Cr	9.12%	7.91%
Bandhan GSF Investment Fund	N.A.	3,432 Cr	5.8%	7.81%

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 ₹3171.0527 as of Aug 04, 2025.

What are the returns of this mutual fund scheme?

The Bandhan Liquid Fund is a 21 yrs 4 m old fund and has delivered average annual returns of 5.55% since inception.

Bandhan Liquid Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
6.89%	6.92%	5.52%	6.13%	5.55%

How much does this mutual fund charge as expense ratio?

The Bandhan Liquid Fund - Direct Growth has an expense ratio of 0.25%, 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 13,626 Cr as on May 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
National Bank For Agriculture & Rural Development	10.43%
Reserve Bank of India	8.06%
Export-Import Bank Of India	7.49%

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+	78.14%
SOV	8.06%
AAA	7.55%

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?

Bandhan Liquid Fund Regular-Growth is the regular plan of the fund. For this plan of you pay 0.25% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 0.12%. That's 0.13% less.

Regular plans charge more because when you buy them, the fund pays commission to the agent. This is an additional expense for the fund and to cover this expense, the fund takes a bigger share from the returns generated by your investments.

So, the lower annual cost of the direct plan means you will earn 0.13% if you opt for direct plan of Bandhan Liquid Fund

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 Year.
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.