NAV history
Scorecard
★★★★☆4/5 vs 40 of 42 Gilt Fund peers- Performance 60%
- Risk 15%
- Cost 10%
- Downside 15%
How this is computed
Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Gilt Fund (same plan and option). 40 of the 42 Gilt Funds in this cohort carry the full record the stars need, so they are the ones ranked against.
3Y CAGR +7.55% · ranks 2 of 42 Gilt Funds
Volatility 3.6% vs 4.1% category avg
1.2% expense vs 1.1% category avg
69% of rolling 3Y windows were positive
Strengths & concerns
Generated from this fund's own numbers against its sub-category — each point names the figure behind it.
Strengths
- Ahead of the Gilt Fund average on 3M/6M/1Y — 1Y by 5.82pp
- 3-year return (+7.55%) beats the Gilt Fund average (+3.21%)
- 5-year return (+5.88%) beats the Gilt Fund average (+2.69%)
- Ranks #1 of 42 on 1-year return in its Gilt Fund cohort
- Less volatile than its Gilt Fund peers (3.6% vs 4.1%)
Concerns
- Positive in only 69% of rolling 3-year windows
Key Metrics
Scheme Info
DefinitionsPeriod returns (<1Y, absolute — not annualized)
DefinitionsAnnualized returns (≥1Y — CAGR)
DefinitionsAdvanced metrics — risk
Risk (trailing 3Y)
DefinitionsBenchmark ratios
Not shown for Gilt Fund — a debt, arbitrage or cash-like fund isn't measured against an equity index, so alpha/beta vs one would be noise rather than signal.
Fund vs category average (Gilt Fund)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | -0.10% | -0.47% | +0.37% |
| 3M abs | +3.64% | +2.15% | +1.49% |
| 6M abs | +5.38% | +1.22% | +4.16% |
| 1Y CAGR | +8.04% | +2.22% | +5.82% |
| 3Y CAGR | +7.55% | +3.21% | +4.34% |
| 5Y CAGR | +5.88% | +2.69% | +3.19% |
Category average across peers in Gilt Fund (up to 42 funds with data), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).
Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.
Category rank
Vs 42 peers in Gilt Fund
Rolling returns
Return for every possible 1Y holding period, not just today’s
201 overlapping 1Y windows, sampled monthly across the fund’s history.
Worst falls, and the wait to get back
How far this fund has dropped from a high, and how long it took to reclaim it.
- -23.1%09 Mar 2020 → 08 Apr 2020
Fell over 30 days, back to the old high on 21 Apr 2025 — 5.0 years under water after the low.
- -19.8%18 Mar 2013 → 19 Aug 2013
Fell over 5 months, back to the old high on 31 May 2019 — 5.8 years under water after the low.
- -15.4%02 Jan 2009 → 12 Mar 2009
Fell over 2 months, back to the old high on 14 Dec 2012 — 3.8 years under water after the low.
Measured on this fund’s own NAV history, peak to trough to the day it regained the peak. Falls shallower than 5% are left out. A recovery date is when the NAV got back, not when any particular investor did — that depends on when they bought.
Calendar-year returns
What the fund actually returned in each year, not the smoothed average.
| Year | Fund | |
|---|---|---|
| 2026part | +5.98% | |
| 2025 | +3.72% | |
| 2024 | +10.61% | |
| 2023 | +6.75% | |
| 2022 | +1.35% | |
| 2021 | -5.70% | |
| 2020 | -11.09% | |
| 2019 | +13.25% | |
| 2018 | +7.79% | |
| 2017 | -7.96% |
January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.
Fund size over time
Quarterly average AUM · AMFIAt or near its largest, ₹1,984Cr in January - March 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.
Backtest this fund
What a SIP or one-time investment would have grown to over this fund’s real NAV history.
60 monthly installments of ₹10,000 into Bandhan Gilt Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.
Taxation
Taxed as debtThis is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.
Your income-tax slab — no LTCG or indexation benefit
Pick your slab to see the rate that applies to you.
Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.
Bandhan in the news
Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.
Bandhan Mutual Fund and Grey 82.5 India Launch ‘Kya Azaad Ho Tum?’ Campaign
MediaNews4U · 4h ago
Bandhan Small Cap Fund July portfolio: 15 stocks added, 9 exited; HDFC Bank, AWL Agri see higher holdings
livemint.com · 4d ago
Bandhan CRISIL-IBX 10:90 Gilt + SDL Index - Dec 2029 Fund to merge with Bandhan Short Duration Fund
Value Research · 7d ago
Bandhan Transportation and Logistics Fund - Direct Plan
CNBC TV18 · 10d ago
Bandhan Financial Services Fund
CNBC TV18 · 10d ago
Bandhan US specific Equity Active FOF
CNBC TV18 · 10d ago
Bandhan Floater Fund - Direct Plan
CNBC TV18 · 10d ago
Bandhan Income Plus Arbitrage Active FOF
CNBC TV18 · 10d ago
Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.
About Gilt funds
Gilt funds lend only to the government, so they carry no credit risk. Their prices do move with interest rates, though — they can swing when rate expectations change.
Frequently asked questions
What is the NAV of Bandhan Gilt Fund?
As of 20 Aug 2026, the NAV of Bandhan Gilt Fund is ₹14.14 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has Bandhan Gilt Fund delivered?
Bandhan Gilt Fund has returned +8.04% over 1 year, +7.55% per year over 3 years, +5.88% per year over 5 years and +1.92% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.
What is the expense ratio of Bandhan Gilt Fund?
Bandhan Gilt Fund charges an expense ratio of 1.18% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.
What are the top holdings of Bandhan Gilt Fund?
Its largest holdings are GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100 (62.6%), GOVERNMENT OF INDIA 33071 GOI 19JU53 7.3 FV RS 100 (19.3%), GOI Sec 7.36 12/09/2052 (8.7%), GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 (5.9%) and GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 (0.8%). Holdings are disclosed monthly and change over time.
How risky is Bandhan Gilt Fund?
It is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 3.6% and its worst peak-to-trough fall in our sample was -23.1%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.
What does the Sharpe ratio of 0.29 mean?
The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Bandhan Gilt Fund's 0.29 means it has rewarded its volatility with excess return. Higher is better.
What is the benchmark of Bandhan Gilt Fund?
Bandhan Gilt Fund is benchmarked against the CRISIL Dynamic Gilt Index. Its alpha and beta on this page are measured against that index.
Who manages Bandhan Gilt Fund?
Bandhan Gilt Fund is managed by Brijesh Shah, Harshal Joshi and Suyash Choudhary at Bandhan.
How is Bandhan Gilt Fund taxed?
Bandhan Gilt Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.