Bandhan Overnight Fund

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

The Bandhan Overnight Fund is a 6 yrs 9 m old fund and has delivered average annual returns of 5.02% since inception. Bandhan Overnight Fund Returns 1-Year 3-Year 5-Year Since Inception 5.89% 6.33% 5.21% 5.02%

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

The Bandhan Overnight Fund has an expense ratio of 0.15% , 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)
₹1394.06+0.01% 1 day change	5.02% p.a.	App exclusive #NA View Ranked Funds	₹1,378 Cr

Historical NAV & returns

NAV: ₹1394.06 as on Oct 22, 2025

This fund Category average

Bandhan Overnight Fund overview

AUM (Fund size)	₹1,378 Cr
Exit load	0%
Lock-in Period	Nil
Age	6 yrs 9 m since Jan 16, 2019
Benchmark	NIFTY 1D Rate Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	0.15% as on Sep 30, 2025
Plan type	Regular
Risk	Low
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Bandhan Overnight 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 17, 2025

Period	This fund	Category average
1 Month	0.39%	0.39%
3 Months	1.29%	1.29%
6 Months	2.65%	2.66%
1 Year	5.89%	5.9%
2 Years	6.28%	6.29%
3 Years	6.33%	6.34%
4 Years	5.77%	5.79%
5 Years	5.21%	5.23%

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

Cash & Call Money 93.61%

SOV 6.16%

Others 0.23%

Top Debt Holdings

Reserve Bank of India 6.16%

Others 0.23%

Allocation by Instruments

Reverse Repo 94.04%

Treasury Bills 6.159999999999999%

Margin Money 0.23%

Other Holdings

Others 94.04%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bandhan Overnight Fund	0.39%	2.65%	5.89%	6.33%	5.21%	N.A.
Mirae Asset Overnight Fund	0.4%	2.67%	5.92%	6.37%	5.26%	2.99%
PGIM India Overnight Fund	0.39%	2.65%	5.92%	6.35%	5.26%	3.06%
Edelweiss Overnight Fund	0.4%	2.65%	5.88%	6.33%	5.22%	3.1%
UTI Overnight Fund	0.4%	2.68%	5.95%	6.38%	5.26%	5.56%
SBI Overnight Fund	0.39%	2.66%	5.9%	6.32%	5.21%	5.44%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bandhan Overnight Fund	0.13	0.1	-0.95	-1.21
Mirae Asset Overnight Fund	0.13	0.1	-0.69	-0.93
PGIM India Overnight Fund	0.14	0.12	-0.76	-0.98
Edelweiss Overnight Fund	0.13	0.1	-0.97	-1.26
UTI Overnight Fund	0.13	0.1	-0.58	-0.74
SBI Overnight Fund	0.13	0.1	-1.06	-1.39

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bandhan Overnight Fund	N.A.	1,378 Cr	6 yrs 9 m	0.15%
Mirae Asset Overnight Fund	N.A.	1,433 Cr	6 yrs	0.15%
PGIM India Overnight Fund	N.A.	114 Cr	6 yrs 2 m	0.17%
Edelweiss Overnight Fund	N.A.	220 Cr	6 yrs 3 m	0.16%
UTI Overnight Fund	N.A.	6,559 Cr	21 yrs 11 m	0.11%
SBI Overnight Fund	N.A.	27,820 Cr	23 yrs 1 m	0.14%

View all Overnight funds

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

Alpha	0.05 vs. 1.18 Underperformed at beating benchmark
Sharpe	-0.95 vs. 1.45 Poor risk-adjusted returns
Beta	0.1 vs. -0.42 More sensitive to market's ups & downs
Standard deviation	0.13 vs. 0.09 More volatile performance

Compare Bandhan Overnight Fund in detail with

About this fund

About Bandhan Overnight Fund

Bandhan Overnight Fund is a Overnight mutual fund scheme from Bandhan Mutual Fund. This fund has been in existence for 6 yrs 9 m, having been launched on 16/01/2019. Bandhan Overnight Fund has ₹1,378 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 Overnight Fund as of 22/10/2025 is ₹1394.06. The fund has an expense ratio of 0.15%, which is close to what most other Overnight funds charge.

Bandhan Overnight Fund returns of last 1-year are 5.96%. Since launch, it has delivered 5.03% average annual returns.
Bandhan Overnight 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 low indicating it has lent to borrowers whose quality is poor. 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.

...

Fund AUM	1,378 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.

Investment objective

The scheme seeks to offer an investment avenue for short term savings by looking to generate returns in line with the overnight rates.

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 Overnight Fund?

The current Net Asset Value (NAV) of the Bandhan Overnight Fund plan is approximately ₹1394.06 as of Oct 22, 2025.

What are the returns of this mutual fund scheme?

The Bandhan Overnight Fund is a 6 yrs 9 m old fund and has delivered average annual returns of 5.02% since inception.

Bandhan Overnight Fund Returns

1-Year	3-Year	5-Year	Since Inception
5.89%	6.33%	5.21%	5.02%

How much does this mutual fund charge as expense ratio?

The Bandhan Overnight Fund has an expense ratio of 0.15%, 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 Overnight Fund currently has assets under management (AUM) or fund size valued at approximately 1,378 Cr as on Sep 30, 2025.

To whom does Bandhan Overnight Fund lend to?

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

Holding Name	Percentage of Portfolio
Reserve Bank of India	6.16%
Others	0.23%

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 Overnight Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
Cash & Call Money	93.61%
SOV	6.16%
Others	0.23%

What is risk level of Bandhan Overnight Fund?

This is a Overnight fund comes with Low 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 Overnight Fund?

Redeeming your investments in the Bandhan Overnight 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 Overnight

#NA

Return Outperformance: This fund has generated highest return amongst Overnight funds in the last 3 Years.
Exit Load: This fund has no exit load.
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.