Bandhan Liquid Fund

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

The Bandhan Liquid Fund is a 21 yrs 6 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 6.57% 6.93% 5.62% 6.08% 5.55%

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

The Bandhan Liquid Fund has an expense ratio of 0.2% , 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 22, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹3209.339+0.02% 1 day change	5.55% p.a.	App exclusive #NA View Ranked Funds	₹13,141 Cr

Historical NAV & returns

NAV: ₹3209.339 as on Oct 22, 2025

This fund Category average

Bandhan Liquid Fund overview

AUM (Fund size)	₹13,141 Cr
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.!
Lock-in Period	Nil
Age	21 yrs 6 m since Apr 01, 2004
Benchmark	NIFTY Liquid Index A-I
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	0.2% as on Sep 30, 2025
Plan type	Regular
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 Oct 26, 2025

Period	This fund	Category average
1 Month	0.44%	0.44%
3 Months	1.36%	1.36%
6 Months	2.89%	2.9%
1 Year	6.57%	6.58%
2 Years	6.95%	6.94%
3 Years	6.93%	6.91%
4 Years	6.25%	6.23%
5 Years	5.62%	5.61%
7 Years	5.61%	5.65%
10 Years	6.08%	6.11%

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

A1+ 69.64%

SOV 22.02%

AAA 7.9%

Others 0.29%

Top Debt Holdings

Reserve Bank of India 20.65%

Indian Oil Corporation Ltd. 8.86%

HDFC Bank Ltd. 7.99%

Axis Bank Ltd. 4.54%

Allocation by Instruments

Commercial Paper 49.23000000000002%

Treasury Bills 20.650000000000002%

Certificate of Deposit 20.409999999999997%

Debenture 5.24%

Other Holdings

Others 0.28%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bandhan Liquid Fund	0.44%	2.89%	6.57%	6.93%	5.62%	6.08%
Canara Robeco Liquid Fund	0.45%	2.93%	6.69%	7.02%	5.68%	6.06%
Bank of India Liquid Fund	0.45%	2.97%	6.72%	7.05%	5.72%	6.17%
Mirae Asset Liquid Fund	0.44%	2.94%	6.65%	6.98%	5.68%	6.09%
JM Liquid Fund	0.44%	2.9%	6.57%	6.9%	5.62%	6.14%
Navi Liquid Fund	0.41%	2.79%	6.25%	6.64%	5.54%	6.04%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bandhan Liquid Fund	0.17	0.34	2.54	3.35
Canara Robeco Liquid Fund	0.17	0.34	3.07	4.13
Bank of India Liquid Fund	0.16	0.34	3.38	4.24
Mirae Asset Liquid Fund	0.17	0.33	2.82	3.92
JM Liquid Fund	0.15	0.29	2.7	3.53
Navi Liquid Fund	0.15	0.23	1.1	1.45

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bandhan Liquid Fund	N.A.	13,141 Cr	21 yrs 6 m	0.2%
Canara Robeco Liquid Fund	N.A.	6,399 Cr	17 yrs 3 m	0.21%
Bank of India Liquid Fund	N.A.	1,360 Cr	17 yrs 3 m	0.14%
Mirae Asset Liquid Fund	N.A.	11,368 Cr	16 yrs 9 m	0.19%
JM Liquid Fund	N.A.	1,621 Cr	27 yrs 10 m	0.26%
Navi Liquid Fund	N.A.	62 Cr	15 yrs 8 m	0.2%

View all Liquid funds

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

Alpha	1.03 vs. 2.9 Underperformed at beating benchmark
Sharpe	2.54 vs. 2.94 Poor risk-adjusted returns
Beta	0.34 vs. 1.55 Less sensitive to market ups & downs
Standard deviation	0.17 vs. 0.15 More volatile performance

Compare Bandhan Liquid Fund in detail with

About this fund

About Bandhan Liquid Fund

Bandhan Liquid Fund is a Liquid mutual fund scheme from Bandhan Mutual Fund. This fund has been in existence for 21 yrs 6 m, having been launched on 01/04/2004. Bandhan Liquid Fund has ₹13,141 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 Liquid Fund as of 22/10/2025 is ₹3209.34. The fund has an expense ratio of 0.2%, which is close to what most other Liquid funds charge.

Bandhan Liquid Fund returns of last 1-year are 6.64%. Since launch, it has delivered 6.94% average annual returns. The fund has doubled the money invested in it every 12 yrs.
Bandhan Liquid 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 Reserve Bank of India, Indian Oil Corporation Ltd., HDFC Bank Ltd., Axis Bank Ltd., Kotak Mahindra Securities Ltd..

...

Fund AUM	13,141 Cr as on Sep 30, 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	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 Liquid Fund?

The current Net Asset Value (NAV) of the Bandhan Liquid Fund plan is approximately ₹3209.339 as of Oct 22, 2025.

What are the returns of this mutual fund scheme?

The Bandhan Liquid Fund is a 21 yrs 6 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
6.57%	6.93%	5.62%	6.08%	5.55%

How much does this mutual fund charge as expense ratio?

The Bandhan Liquid Fund has an expense ratio of 0.2%, 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 Liquid Fund currently has assets under management (AUM) or fund size valued at approximately 13,141 Cr as on Sep 30, 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	20.65%
Indian Oil Corporation Ltd.	8.86%
HDFC Bank Ltd.	7.99%

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+	69.64%
SOV	22.02%
AAA	7.9%

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 can I redeem my investments in Bandhan Liquid Fund?

Redeeming your investments in the Bandhan Liquid 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 Liquid

#NA

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.