DebtIncomeRegularIDCWModerate

Bandhan Fixed Term Plan Series - 179 (3652 Days)

Q: What is the NAV of Bandhan Fixed Term Plan Series - 179 (3652 Days)?

As of 05 Oct 2026, the NAV of Bandhan Fixed Term Plan Series - 179 (3652 Days) is ₹15.36 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

Q: What returns has Bandhan Fixed Term Plan Series - 179 (3652 Days) delivered?

Bandhan Fixed Term Plan Series - 179 (3652 Days) has returned +5.13% over 1 year, +7.43% per year over 3 years, +6.37% per year over 5 years and +5.81% 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.

Q: What is the expense ratio of Bandhan Fixed Term Plan Series - 179 (3652 Days)?

Bandhan Fixed Term Plan Series - 179 (3652 Days) charges an expense ratio of 0.35% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

Q: What are the top holdings of Bandhan Fixed Term Plan Series - 179 (3652 Days)?

Bandhan Fixed Term Plan Series - 179 (3652 Days)'s largest holdings are 8.43% Uttar Pradesh SDL (MD 06/03/2029) (20.7%), 8.37% Tamilnadu SDL (MD 06/03/2029) (18.6%), 8.35% Gujarat SDL (MD 06/03/2029) (16.9%), 8.28% Gujarat SDL (MD 20/02/2029) (12.6%) and 8.32% Karnataka SDL (MD 06/02/2029) (5.2%). Holdings are disclosed monthly and change over time.

Q: How risky is Bandhan Fixed Term Plan Series - 179 (3652 Days)?

Bandhan Fixed Term Plan Series - 179 (3652 Days) is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 1.7% and its worst peak-to-trough fall in our sample was -11.7%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

Q: What does the Sharpe ratio of 0.55 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Bandhan Fixed Term Plan Series - 179 (3652 Days)'s 0.55 means it has rewarded its volatility with excess return. Higher is better.

Q: What is the benchmark of Bandhan Fixed Term Plan Series - 179 (3652 Days)?

Bandhan Fixed Term Plan Series - 179 (3652 Days) is benchmarked against the CRISIL Composite Bond Fund Index. Its alpha and beta on this page are measured against that index.

Q: Who manages Bandhan Fixed Term Plan Series - 179 (3652 Days)?

Bandhan Fixed Term Plan Series - 179 (3652 Days) is managed by Harshal Joshi at Bandhan.

Q: How is Bandhan Fixed Term Plan Series - 179 (3652 Days) taxed?

Bandhan Fixed Term Plan Series - 179 (3652 Days) 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.

Bandhan Mutual Fund

NAV

₹15.36

+0.11% 1D

as of 05 Oct 2026

This is the Regular plan of Bandhan Fixed Term Plan Series - 179 (3652 Days) — bought through a distributor, whose commission is paid out of its expense ratio. Income is distributed periodically, which is why this NAV sits below the growth plan of the same fund.

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NAV history

+5.10%absolute

52-week rangePrev NAV ₹15.34

Latest ₹15.36

Low ₹14.6197th percentile of its 52-week rangeHigh ₹15.38

Scorecard

Not rated

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. Not rated — too few comparable Debt funds (same plan and option) to rank against yet.

Performance—

Not enough Income peers to rank yet

Risk—

Volatility 1.7% (no category average yet)

Cost—

0.3% expense (no category average yet)

ConsistencyHigh

100% 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

Consistent — positive in 100% of rolling 3-year windows

Concerns

No significant concerns identified.

Key Metrics

Annual fee charged by the fund, already deducted from NAV

0.35%

Category —

Portfolio-weighted harmonic mean P/E across the fund's equity holdings

—

Category —

Excess return per unit of total volatility (rf = 6.5%)

0.55

Category —

Scheme Info

Definitions

Plan

Regular · IDCW

Period before units can be redeemed — 3 years for ELSS, none for most open-ended funds

None

Exit Load

—

Statutory levy on every mutual-fund purchase since 1 Jul 2020 (SEBI / Govt of India) — the same for every scheme

0.005%

SIP Inv.

—

Smallest recurring SIP instalment the scheme accepts

—

Smallest one-time (lumpsum) investment the scheme accepts

₹5,000

CRISIL Composite Bond Fund Index

Start of our NAV history for this plan. Direct plans begin 1 Jan 2013, so this is the plan's inception — not necessarily the scheme's original launch date.

14 Mar 2019

Period returns (<1Y, absolute — not annualized)

Definitions

Absolute return over the last 1 month (not annualized)

-0.02%

Absolute return over the last 3 months (not annualized)

+0.65%

Absolute return over the last 6 months (not annualized)

+2.89%

Absolute return since 1 Jan of this year (not annualized)

+3.43%

Annualized returns (≥1Y — CAGR)

Definitions

1-year point-to-point return, annualized (CAGR)

+5.13%

3-year annualized return (CAGR)

+7.43%

5-year annualized return (CAGR)

+6.37%

10-year annualized return (CAGR)

—

Annualized return (CAGR) since the first NAV we hold for this plan — the Inception date under Key metrics. AMFI's history starts in April 2006, so an older scheme is measured from there.

+5.81%

Advanced metrics — risk

Risk (trailing 3Y)

Definitions

Annualized standard deviation of daily returns

1.69%

Excess return per unit of total volatility (rf = 6.5%)

0.55

Excess return per unit of downside deviation — upside swings aren't penalized (rf = 6.5%)

0.80

Largest peak-to-trough decline over full history

-11.69%

Benchmark ratios

Not shown for Income — 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 (Income)

Period	Fund	Category avg.	Diff
1M abs	-0.02%	—	—
3M abs	+0.65%	—	—
6M abs	+2.89%	—	—
1Y CAGR	+5.13%	—	—
3Y CAGR	+7.43%	—	—
5Y CAGR	+6.37%	—	—

Category average across peers in Income, 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.

Backtest this fund

What a SIP or one-time investment would have grown to over this fund’s real NAV history.

Monthly investment (₹)

Period

Invested

₹6.00L

Current value

₹7.11L

Absolute

+18.57%

XIRR

+6.96%

Value vs. invested

ValueInvested

60 monthly installments of ₹10,000 into Bandhan Fixed Term Plan Series - 179 (3652 Days), valued at the latest NAV. XIRR annualizes for each installment’s timing.

Calendar-year returns

What the fund actually returned in each year, not the smoothed average.

Year	Fund
2026part	+3.43%
2025	+8.16%
2024	+9.05%
2023	+7.50%
2022	+3.27%
2021	-3.47%
2020	+3.45%
2019part	+13.32%

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.

History points

1,838

Expense ratio

0.35%

YTM (from holdings)

7.11%

Average maturity

2.48 years

Taxation

Taxed as debt

This 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.

Any holding period

30%

Short- and long-term alike

Your income-tax slab — no LTCG or indexation benefit

Your income-tax slab

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.

Peer comparison · Income

Compare all


Bandhan Fixed Term Plan Series - 179 (3652 Days)This fund Bandhan · Regular · Periodic IDCW	—	+5.13%	+7.43%	+6.37%	—	—	—
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) SBI · Regular · IDCW	—	+4.97%	+7.54%	+6.46%	—	0.20%	₹51.26Cr
Nippon India Fixed Maturity Plan - XLIII - Series 5 Nippon India · Regular · IDCW	—	+5.25%	+7.50%	—	—	0.35%	₹186.24Cr
HDFC FMP 1876D March 2022 HDFC · Regular · IDCW	—	+5.75%	+7.42%	—	—	0.20%	₹34.96Cr
HDFC FMP 1861D March 2022 HDFC · Regular · IDCW	—	+5.84%	+7.41%	—	—	0.25%	₹500.13Cr
SBI Fixed Maturity Plan (FMP) - Series 60 (1878 Days) SBI · Regular · IDCW	—	+5.86%	+7.41%	—	—	0.23%	₹264.62Cr

Asset allocation

As on 31 Aug 2026 · AMC disclosure

Debt97.22%
Cash & Equivalents2.78%

Debt & cash (27)

bonds, treasury bills, CDs, commercial paper and cash

As on 31 Aug 2026 · AMC disclosure

8.43% Uttar Pradesh SDL (MD 06/03/2029)

20.72%

8.37% Tamilnadu SDL (MD 06/03/2029)

18.56%

8.35% Gujarat SDL (MD 06/03/2029)

16.88%

8.28% Gujarat SDL (MD 20/02/2029)

12.62%

8.32% Karnataka SDL (MD 06/02/2029)

5.17%

8.32% Uttar Pradesh SDL (MD 13/02/2029)

3.65%

8.5% Gujarat SDL (MD 28/11/2028)

2.75%

8.44% Rajasthan SDL (MD 27/02/2029)

2.34%

8.19% Karnataka SDL (MD 23/01/2029)

1.72%

8.28% Gujarat SDL (MD 13/02/2029)

1.54%

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.

-11.7%09 Mar 2020 → 07 Apr 2020
Fell over 29 days, back to the old high on 04 Jan 2021 — 9 months under water after the low.
-8.2%04 Jan 2021 → 26 Mar 2021
Fell over 3 months, back to the old high on 18 Jan 2023 — 1.8 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.

AMC Profile

Bandhan Mutual Fund is the former IDFC Mutual Fund, bought in 2022 by a consortium of Bandhan Financial Holdings, ChrysCapital and GIC and renamed the following year. It carries a long-established debt franchise alongside its equity and index schemes.

Launched

19 Dec 1999

Total AUM

₹2,04,046Cr+4.5% QoQ

Avg AUM · April - June 2026

Website

bandhanmutual.com

Fund Managers

HJHarshal JoshiManaging since 28 Jul 2021

Role

Senior Vice President - Fund Management

Education

PGDBM Senior Vice President – Fixed Income

Experience

He has been associated with Bandhan Multi Cap Fund - Debt portion, Bandhan AMC since December 2008 with Fixed Income Investment team. Prior to the same he was associated with ICAP India Pvt. Ltd. (2006 to 2007). Managing the Fund since September 15, 2015. (Total Experience – years)

Funds managed (26)

All schemes Harshal Joshi runs →

Fund managers from the AMC's filed Scheme Summary — its most recent filing for this scheme. Each manager's qualifications and role are reconciled across every filing this fund house makes for them, including its Statement of Additional Information. Total AUM via AMFI.

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Fund managers

Harshal Joshi

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.

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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 Debt funds

Debt funds lend to governments and companies and earn interest. They're generally steadier than equity funds and are used for shorter horizons and stability.

Frequently asked questions

What is the NAV of Bandhan Fixed Term Plan Series - 179 (3652 Days)?

As of 05 Oct 2026, the NAV of Bandhan Fixed Term Plan Series - 179 (3652 Days) is ₹15.36 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

What returns has Bandhan Fixed Term Plan Series - 179 (3652 Days) delivered?

Bandhan Fixed Term Plan Series - 179 (3652 Days) has returned +5.13% over 1 year, +7.43% per year over 3 years, +6.37% per year over 5 years and +5.81% 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 Fixed Term Plan Series - 179 (3652 Days)?

Bandhan Fixed Term Plan Series - 179 (3652 Days) charges an expense ratio of 0.35% 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 Fixed Term Plan Series - 179 (3652 Days)?

Bandhan Fixed Term Plan Series - 179 (3652 Days)'s largest holdings are 8.43% Uttar Pradesh SDL (MD 06/03/2029) (20.7%), 8.37% Tamilnadu SDL (MD 06/03/2029) (18.6%), 8.35% Gujarat SDL (MD 06/03/2029) (16.9%), 8.28% Gujarat SDL (MD 20/02/2029) (12.6%) and 8.32% Karnataka SDL (MD 06/02/2029) (5.2%). Holdings are disclosed monthly and change over time.

How risky is Bandhan Fixed Term Plan Series - 179 (3652 Days)?

Bandhan Fixed Term Plan Series - 179 (3652 Days) is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 1.7% and its worst peak-to-trough fall in our sample was -11.7%. 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 0.55 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Bandhan Fixed Term Plan Series - 179 (3652 Days)'s 0.55 means it has rewarded its volatility with excess return. Higher is better.

What is the benchmark of Bandhan Fixed Term Plan Series - 179 (3652 Days)?

Bandhan Fixed Term Plan Series - 179 (3652 Days) is benchmarked against the CRISIL Composite Bond Fund Index. Its alpha and beta on this page are measured against that index.

Who manages Bandhan Fixed Term Plan Series - 179 (3652 Days)?

Bandhan Fixed Term Plan Series - 179 (3652 Days) is managed by Harshal Joshi at Bandhan.

How is Bandhan Fixed Term Plan Series - 179 (3652 Days) taxed?

Bandhan Fixed Term Plan Series - 179 (3652 Days) 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.