Bandhan Low Duration Fund

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

The Bandhan Low Duration Fund is a 20 yrs old fund and has delivered average annual returns of 7.13% since inception. Bandhan Low Duration Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 6.73% 7.01% 5.83% 6.67% 7.13%

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

The Bandhan Low Duration Fund has an expense ratio of 0.66% , 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 Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹39.8463+0.03% 1 day change	7.13% p.a.	App exclusive #NA View Ranked Funds	₹6,613 Cr

Historical NAV & returns

NAV: ₹39.8463 as on Feb 02, 2026

This fund Category average

Bandhan Low Duration Fund overview

AUM (Fund size)	₹6,613 Cr
Exit load	0%
Lock-in Period	Nil
Age	20 yrs since Jan 12, 2006
Benchmark	NIFTY Low Duration Debt Index A-I
Min. investment	SIP: ₹1000 & Lumpsum: ₹1000
Expense ratio	0.66% as on Feb 02, 2026
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 Low Duration 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 Feb 03, 2026

Period	This fund	Category average
1 Month	0.18%	0.2%
3 Months	1.04%	0.95%
6 Months	2.41%	2.33%
1 Year	6.73%	6.58%
2 Years	7.0%	6.92%
3 Years	7.01%	6.94%
4 Years	6.38%	6.32%
5 Years	5.83%	5.76%
7 Years	6.23%	5.93%
10 Years	6.67%	6.36%

Asset allocationas on Dec 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

AAA 56.24%

A1+ 22.54%

SOV 14.25003025%

Cash & Call Money 4.53%

Top Debt Holdings

Small Industries Devp. Bank of India Ltd. 10.31%

HDFC Bank Ltd. 9.97%

Reserve Bank of India 8.45%

Power Finance Corporation Ltd. 6.08%

Allocation by Instruments

Debenture 34.27%

Certificate of Deposit 20.45%

Bonds 10.93%

Treasury Bills 8.45%

Other Holdings

Others 1.92%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bandhan Low Duration Fund	0.18%	2.41%	6.73%	7.01%	5.83%	6.67%
UTI Low Duration Fund	0.21%	2.67%	7.14%	7.33%	7.19%	6.1%
DSP Low Duration Fund	0.17%	2.37%	6.66%	7.01%	5.84%	6.64%
Sundaram Low Duration Fund	0.15%	2.26%	6.35%	6.69%	7.11%	5.84%
LIC MF Low Duration Fund	0.15%	2.31%	6.42%	6.71%	5.51%	6.01%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bandhan Low Duration Fund	0.47	0.69	1.43	1.92
UTI Low Duration Fund	0.46	0.67	2.07	3.12
DSP Low Duration Fund	0.47	0.7	1.4	1.85
Sundaram Low Duration Fund	0.47	0.69	0.77	1.06
LIC MF Low Duration Fund	0.47	0.69	0.82	1.2

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bandhan Low Duration Fund	N.A.	6,613 Cr	20 yrs	0.66%
UTI Low Duration Fund	N.A.	2,667 Cr	22 yrs 10 m	0.41%
DSP Low Duration Fund	N.A.	5,609 Cr	10 yrs 11 m	0.62%
Sundaram Low Duration Fund	N.A.	472 Cr	21 yrs 5 m	1.21%
LIC MF Low Duration Fund	N.A.	1,938 Cr	22 yrs 8 m	1.23%

View all Low Duration funds

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

Alpha	1.95 vs. 3.09 Underperformed at beating benchmark
Sharpe	1.43 vs. 2.56 Poor risk-adjusted returns
Beta	0.69 vs. 1.29 Less sensitive to market ups & downs
Standard deviation	0.47 vs. 0.39 More volatile performance

Compare Bandhan Low Duration Fund in detail with

About this fund

About Bandhan Low Duration Fund

Bandhan Low Duration Fund is a Low Duration mutual fund scheme from Bandhan Mutual Fund. This fund has been in existence for 20 yrs, having been launched on 12/01/2006. Bandhan Low Duration Fund has ₹6,613 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Bandhan Low Duration Fund as of 02/02/2026 is ₹39.85. The fund has an expense ratio of 0.66%, which is higher than what most other Low Duration funds charge.

Bandhan Low Duration Fund returns of last 1-year are 6.76%. Since launch, it has delivered 7.14% average annual returns. The fund has doubled the money invested in it every 11 yrs.
Bandhan Low Duration 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 low.
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 Small Industries Devp. Bank of India Ltd., HDFC Bank Ltd., Reserve Bank of India, Power Finance Corporation Ltd., National Bank For Agriculture & Rural Development.

...

Fund AUM	6,613 Cr as on Dec 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.

Investment objective

The scheme aims to offer an investment avenue for short term savings by looking to generate returns commensurate with a low risk strategy from a portfolio that is invested in debt and money market securities such that the Macaulay duration of the portfolio is between 6 months and 12 months.

Bandhan Mutual Fund details

No. of schemes	68 view all schemes
Total AUM	1,99,722 Cr as on Dec 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	1Y	3Y
Bandhan US Treasury Bond 0-1 year Specific Debt Passive FoF	N.A.	136 Cr	9.28%	N.A.
Bandhan Fixed Term Plan Series 179	N.A.	363 Cr	7.52%	7.97%
Bandhan Crisil IBX Gilt April 2032 Index Fund	N.A.	438 Cr	6.57%	N.A.
Bandhan Gilt Fund with 10 year Constant Duration Fund	N.A.	340 Cr	6.11%	7.78%
Bandhan CRISIL IBX 90:10 SDL Plus Gilt- April 2032 Index Fund	N.A.	420 Cr	5.81%	7.7%
Bandhan CRISIL IBX 90:10 SDL Plus Gilt-September 2027 Index Fund	N.A.	150 Cr	7.35%	7.53%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Bandhan Low Duration Fund?

The current Net Asset Value (NAV) of the Bandhan Low Duration Fund plan is approximately ₹39.8463 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Bandhan Low Duration Fund is a 20 yrs old fund and has delivered average annual returns of 7.13% since inception.

Bandhan Low Duration Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
6.73%	7.01%	5.83%	6.67%	7.13%

How much does this mutual fund charge as expense ratio?

The Bandhan Low Duration Fund has an expense ratio of 0.66%, 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 Low Duration Fund currently has assets under management (AUM) or fund size valued at approximately 6,613 Cr as on Dec 31, 2025.

To whom does Bandhan Low Duration Fund lend to?

The top 3 debt holdings of Bandhan Low Duration Fund are as follows

Holding Name	Percentage of Portfolio
Small Industries Devp. Bank of India Ltd.	10.31%
HDFC Bank Ltd.	9.97%
Reserve Bank of India	8.45%

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 Low Duration Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	56.24%
A1+	22.54%
SOV	14.25003025%

What is risk level of Bandhan Low Duration Fund?

This is a Low Duration 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 Low Duration Fund?

Redeeming your investments in the Bandhan Low Duration 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 Low Duration

#NA

Return Outperformance: This fund has generated highest return amongst Low Duration funds in the last 10 Years.
Exit Load: This fund has no exit load.
Return/Risk: The fund is performing poorly than its category.