Bandhan Retirement Fund

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

The Bandhan Retirement Fund is a 2 yrs old fund and has delivered average annual returns of 13.0% since inception. Bandhan Retirement Fund Returns 1-Year Since Inception 6.04% 13.0%

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

The Bandhan Retirement Fund has an expense ratio of 2.35% , 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 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹12.797+0.27% 1 day change	13.0% p.a.	App exclusive #NA View Ranked Funds	₹182 Cr

Historical NAV & returns

NAV: ₹12.797 as on Oct 20, 2025

This fund Category average

Bandhan Retirement Fund overview

AUM (Fund size)	₹182 Cr
Exit load	0%
Lock-in Period	5 Years
Age	2 yrs since Sep 28, 2023
Benchmark	CRISIL Hybrid 50+50 Moderate Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	2.35% as on Sep 30, 2025
Plan type	Regular
Risk	Very High

Bandhan Retirement 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	1.6%	1.83%
3 Months	2.33%	1.79%
6 Months	5.82%	5.5%
1 Year	6.04%	5.69%
2 Years	14.09%	13.63%

Asset allocationas on Sep 30, 2025

Large Cap 48.4%

Mid Cap 7.62%

Small Cap 3.28%

Other Cap 0%

Top holdings

ICICI Bank Ltd.6.13%

Bharti Airtel Ltd.5.64%

Reliance Industries Ltd.5.41%

Kotak Mahindra Bank Ltd.3.57%

Top sectors

Financial 21.630000000000003%

Technology 7.640000000000001%

Energy 6.71%

Communication 5.8%

SOV 22.2%

Cash 15.64%

Cash & Call Money 2.86%

Others 1.098E-4%

Top Debt Holdings

GOI 22.2%

Allocation by Instruments

GOI Securities 22.2%

Cash Margin 15.64%

Reverse Repo 2.56%

Net Receivables 0.29%

Other Holdings

Others 0.29%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bandhan Retirement Fund	1.6%	5.82%	6.04%	N.A.	N.A.	N.A.
UTI Retirement Fund	1.41%	3.34%	5.35%	12.38%	13.52%	9.41%
HDFC Retirement Savings Fund - Hybrid Equity Plan	1.91%	6.25%	4.56%	15.45%	17.66%	14.69%
HDFC Retirement Savings Fund - Hybrid Debt Plan	1.06%	2.73%	4.93%	9.15%	8.53%	8.1%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	0.96%	5.73%	7.98%	11.08%	9.04%	5.85%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	2.36%	13.92%	11.23%	21.04%	20.84%	10.37%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bandhan Retirement Fund	N.A.	N.A.	N.A.	N.A.
UTI Retirement Fund	5.64	0.62	0.96	1.44
HDFC Retirement Savings Fund - Hybrid Equity Plan	8.61	0.77	0.95	1.46
HDFC Retirement Savings Fund - Hybrid Debt Plan	3.48	0.88	0.68	1.11
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	4.23	1.02	0.94	1.35
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	12.57	1.1	1.02	1.55

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bandhan Retirement Fund	N.A.	182 Cr	2 yrs	2.35%
UTI Retirement Fund	N.A.	4,659 Cr	30 yrs 9 m	1.65%
HDFC Retirement Savings Fund - Hybrid Equity Plan	N.A.	1,681 Cr	9 yrs 8 m	2.07%
HDFC Retirement Savings Fund - Hybrid Debt Plan	N.A.	160 Cr	9 yrs 8 m	2.14%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	N.A.	83 Cr	6 yrs 8 m	2.12%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	N.A.	937 Cr	6 yrs 8 m	2.19%

View all Retirement Solutions funds

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

Risk ratios are based on three-year data. The required data is unavailable for the scheme.

Compare Bandhan Retirement Fund in detail with

About this fund

About Bandhan Retirement Fund

Bandhan Retirement Fund is a Retirement Solutions mutual fund scheme from Bandhan Mutual Fund. This fund has been in existence for 2 yrs, having been launched on 28/09/2023. Bandhan Retirement Fund has ₹182 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 Retirement Fund as of 20/10/2025 is ₹12.80. The fund has an expense ratio of 2.35%, which is higher than what most other Retirement Solutions funds charge. Currently, the fund has a 59.30% allocation to equity and 22.20% to Debt.

Bandhan Retirement Fund returns of last 1-year are 3.82%. Since launch, it has delivered 13.07% average annual returns.
The fund's equity portion is primarily invested in Financial, Technology, Energy, Communication, Automobile sectors. It has taken less exposure in Financial, Technology sectors compared to other funds in the category.
The debt portion of the fund has low credit quality indicating the quality of borrowers it has lent it to is not too great.
The fund's top 5 holdings are in GOI, ICICI Bank Ltd., Bharti Airtel Ltd., Reliance Industries Ltd., Kotak Mahindra Bank Ltd..

...

Fund AUM	182 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Gautam Kaul

Mr. Kaul is a B.Com (H) and MBA (Finance). Prior to joining Bandhan Mutual Fund(formerly IDFC Mutual Fund), he has worked with Edelweiss AMC, Invesco Mutual Fund, Sahara India Asset Management Company Pvt. Ltd, IDBI AMC. and Mata Securities (India) Pvt. Ltd.

Viraj Kulkarni

Mr. Kulkarni is a B.Tech. (Electronics), CFA and also holds a PGDM (Finance). Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) he was associated with Franklin Templeton Asset Management (India) Pvt. Ltd. (May 2014-Sept. 2015) and Goldman Sachs Services India (June 2010-May 2012).

Vishal Biraia

Mr. Biraia has done B.E and CFA Prior to joining Bandhan Mutual Fund, he has worked with Max Life Insurance Company Ltd, Aviva India, Antique Stock Broking Ltd, Emkay Global Financial Services Ltd and Batlivala & Karani Securities India Pvt. Ltd.

Investment objective

The Scheme seeks to provide long-term capital appreciation / income by investing in a mix of equity, debt, and other instruments to help investors meet their retirement goals.

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	5Y
Bandhan Asset Allocation Aggressive	N.A.	19 Cr	6.97%	14.65%
Bandhan Asset Allocation Moderate	N.A.	19 Cr	7.09%	11.51%
Bandhan Balanced Advantage Fund	N.A.	2,263 Cr	6.02%	10.64%
Bandhan Equity Savings Fund	N.A.	355 Cr	5.92%	8.11%
Bandhan Asset Allocation Conservative	N.A.	6 Cr	7.23%	7.98%
Bandhan Conservative Hybrid Fund	N.A.	102 Cr	5.78%	6.58%

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of Bandhan Retirement Fund?

The current Net Asset Value (NAV) of the Bandhan Retirement Fund plan is approximately ₹12.797 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Bandhan Retirement Fund is a 2 yrs old fund and has delivered average annual returns of 13.0% since inception.

Bandhan Retirement Fund Returns

1-Year	Since Inception
6.04%	13.0%

How much does this mutual fund charge as expense ratio?

The Bandhan Retirement Fund has an expense ratio of 2.35%, 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 Retirement Fund currently has assets under management (AUM) or fund size valued at approximately 182 Cr as on Sep 30, 2025.

What are the top stock holdings of Bandhan Retirement Fund?

The Bandhan Retirement Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
ICICI Bank Ltd.	6.13%
Bharti Airtel Ltd.	5.64%
Reliance Industries Ltd.	5.41%
Kotak Mahindra Bank Ltd.	3.57%
Larsen & Toubro Ltd.	3.44%
HDFC Bank Ltd.	3.24%
Tata Consultancy Services Ltd.	2.78%
Titan Company Ltd.	2.57%
Infosys Ltd.	2.26%
Maruti Suzuki India Ltd.	2.11%

What are the top sectors Bandhan Retirement Fund has invested in?

The Bandhan Retirement Fund's equity portion is primarily invested in the following sectors -

Sector	Percentage of Portfolio
Financial	21.630000000000003%
Technology	7.640000000000001%
Energy	6.71%
Communication	5.8%
Automobile	4.56%
Construction	4.27%
Services	3.8599999999999994%
Metals & Mining	3.54%
Consumer Staples	3.49%
Capital Goods	2.76%

To whom does Bandhan Retirement Fund lend to?

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

Holding Name	Percentage of Portfolio
GOI	22.2%

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 Retirement Fund's debt portion's allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
SOV	22.2%
Cash	15.64%
Cash & Call Money	2.86%

What is risk level of Bandhan Retirement Fund?

This is a Retirement Solutions fund comes with Very High risk.

Is there any lock-in period in this mutual fund?

Yes, this fund comes with a mandatory lock-in period of 5 years.

How can I redeem my investments in Bandhan Retirement Fund?

Redeeming your investments in the Bandhan Retirement 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 Retirement Solutions

#NA

Return Outperformance: This fund has generated highest return amongst Retirement Solutions funds in the last 2 Years.
Exit Load: This fund has no exit load.
Return/Risk: The fund is performing poorly than its category.