Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund
This is the Regular plan of Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund — bought through a distributor, whose commission is paid out of its expense ratio. Income is retained in the fund, so it shows up as NAV rather than as a payout.
NAV history
Scorecard
★★★☆☆3/5 vs 174 of 373 Index Funds 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 Index Funds (same plan and option). 174 of the 373 Index Funds in this cohort carry the full record the stars need, so they are the ones ranked against.
3Y CAGR +7.07% · ranks 106 of 174 Index Funds
Volatility 0.6% vs 12.3% category avg
0.3% expense vs 1.0% category avg
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
- Ahead of the Index Funds average on 1M/3M/1Y — 1Y by 6.13pp
- Ranks #51 of 322 on 1-year return in its Index Funds cohort
- Stronger risk-adjusted returns — Sharpe 0.95 vs 0.33 Index Funds average
- Less volatile than its Index Funds peers (0.6% vs 12.3%)
- Low expense ratio (0.34%) vs the Index Funds average of 0.96%
Concerns
- 3-year return (+7.07%) trails the Index Funds average (+8.54%)
Key Metrics
Scheme Info
DefinitionsPeriod returns (<1Y, absolute — not annualized)
DefinitionsAnnualized returns (≥1Y — CAGR)
DefinitionsAdvanced metrics — risk
Fund vs category average (Index Funds)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | +0.40% | -4.56% | +4.96% |
| 3M abs | +1.29% | -3.00% | +4.29% |
| 6M abs | +2.75% | +5.26% | -2.51% |
| 1Y CAGR | +5.61% | -0.52% | +6.13% |
| 3Y CAGR | +7.07% | +8.54% | -1.47% |
| 5Y CAGR | — | +8.02% | — |
Category average across peers in Index Funds (365 of 373 carry a figure for at least one period), 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 373 peers in Index Funds
Backtest this fund
What a SIP or one-time investment would have grown to over this fund’s real NAV history.
36 monthly installments of ₹10,000 into Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund, 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 | +4.03% | |
| 2025 | +7.54% | |
| 2024 | +7.81% | |
| 2023 | +6.85% | |
| 2022part | +0.81% |
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.
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.
Asset allocation
As on 31 Aug 2026 · AMC disclosure- Debt95.62%
- Cash & Equivalents4.38%
Cash & cash-like: 5.52% — the 4.38% above plus treasury bills, certificates of deposit, commercial paper and TREPS, which the allocation files under Debt but the market counts as cash-equivalent.
Fund size over time
Quarterly average AUM · AMFIDown +6% from its peak of ₹97.52Cr 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.
Net flow is an estimate: AMFI publishes a quarterly average AUM, not a closing balance, and it covers every plan and option of this scheme together, so it is a read on direction and rough size rather than a cash-flow statement.
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.
Fund Managers
GKGautam KaulStart date not disclosed
Senior Fund Manager - Fixed Income
MBA, B.Com
Mr. Gautam Kaul joined the Fixed Income Fund Management team Bandhan AMC on November 24, 2021 Senior Fund Manager – Fixed Income. He was earlier associated Bandhan with Edelweiss Asset Management Company Ltd. as Fund Manager from December 2016 to CRISIL IBX Gilt June 2027 Index November 2021 and was managing various schemes of Edelweiss Mutual Fund. CRISIL IBX Gilt April 2032 Index Prior to this, he was also Fund, Bandhan CRISIL IBX 90:10 associated with IDBI Asset SDL Plus Gilt– November 2026 Management Company Ltd. as Fund Manager from March 2010 November 2016 and was managing various schemes of IDBI Mutual Fund. His prior associations also include Religare Asset Management Company Ltd., Sahara Asset Management Company Ltd. and Mata Securities India Private Ltd. (Total experience – 22 years)
- Bandhan Banking and PSU Debt Fund
- BANDHAN Corporate Bond Fund
- BANDHAN Corporate Bond Fund
- BANDHAN CREDIT RISK FUND
- BANDHAN CREDIT RISK FUND
- BANDHAN CRISIL IBX 90:10 SDL PLUS GILT - APRIL 2032 INDEX FUND
- BANDHAN CRISIL IBX 90:10 SDL PLUS GILT - SEPTEMBER 2027 INDEX FUND
- BANDHAN CRISIL IBX GILT APRIL 2028 INDEX FUND
- BANDHAN CRISIL IBX GILT APRIL 2032 INDEX FUND
- BANDHAN CRISIL IBX GILT JUNE 2027 INDEX FUND
- BANDHAN LONG TERM FUND
- Bandhan Money Market Fund
- Bandhan Money Market Fund
- BANDHAN MULTI ASSET ALLOCATION FUND
- BANDHAN RETIREMENT FUND
- BANDHAN CRISIL IBX GILT APRIL 2026 INDEX FUND - Direct Plan - Growth
HJHarshal JoshiStart date not disclosed
Senior Vice President - Fund Management
PGDBM Senior Vice President – Fixed Income
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)
- Bandhan 10 year Constant Maturity Gilt Fund
- Bandhan 10 year Constant Maturity Gilt Fund
- Bandhan Aggressive Hybrid Fund
- BANDHAN Arbitrage Fund
- Bandhan Business Cycle Fund
- BANDHAN CONSERVATIVE HYBRID FUND
- Bandhan Contra Fund
- BANDHAN CRISIL IBX 90:10 SDL PLUS GILT - APRIL 2032 INDEX FUND
- BANDHAN CRISIL IBX 90:10 SDL PLUS GILT - SEPTEMBER 2027 INDEX FUND
- BANDHAN CRISIL IBX GILT APRIL 2028 INDEX FUND
- BANDHAN CRISIL IBX GILT APRIL 2032 INDEX FUND
- BANDHAN CRISIL IBX GILT JUNE 2027 INDEX FUND
- Bandhan CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
- BANDHAN EQUITY SAVINGS FUND
- BANDHAN FINANCIAL SERVICES FUND
- Bandhan Income Plus Arbitrage Fund of Funds (Formerly Known as Bandhan All Seasons Bond Fund)
- Bandhan Income Plus Arbitrage Fund of Funds (Formerly Known as Bandhan All Seasons Bond Fund)
- BANDHAN LIQUID Fund
- BANDHAN LIQUID Fund
- Bandhan Mid Cap Fund
- BANDHAN MULTI CAP FUND
- BANDHAN TRANSPORTATION AND LOGISTICS FUND
- Bandhan Ultra Short Term Fund
- Bandhan Ultra Short Term Fund
- BANDHAN ULTRA SHORT TO SHORT TERM FUND
- BANDHAN ULTRA SHORT TO SHORT TERM FUND
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.
Explore from here
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 Ultra Short to Short Term Fund Direct-IDCW Weekly
The Economic Times · 4d ago
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ClearTax · 4d ago
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scanx.trade · 5d ago
Dalmia Bharat Refractories sells 11.1% stake in RHI Magnesita to Clarus Capital, Bandhan MF, SBI MF,...
Moneycontrol.com · 12d ago
Bandhan Small Cap Fund August portfolio: Cyient, P N Gadgil see higher holdings; 4 stocks added, 6 exited
livemint.com · 18d ago
Bandhan Mutual Fund raises Mastek stake to 5.05% via open market buy
scanx.trade · 20d ago
Bandhan Mid Cap Fund - Regular Plan: Overview, Performance, Portfolio | Mutual Fund
Value Research · 25d ago
Bandhan Mutual Fund raises Cyient stake to 5.03% via open market
scanx.trade · 28d 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 Index funds & ETFs
Index funds and ETFs must keep at least 95% in the securities of the index they track, rather than trying to beat it. They charge far lower fees than active funds, and their return is the index's return minus that small cost and any tracking difference.
Frequently asked questions
What is the NAV of Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund?
As of 01 Oct 2026, the NAV of Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund is ₹12.99 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund delivered?
Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund has returned +5.61% over 1 year, +7.07% per year over 3 years and +7.00% 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 CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund?
Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund charges an expense ratio of 0.34% 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 CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund?
Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund's largest holdings are 7.57% Gujarat SDL (MD 09/11/2026) (19.6%), 8.72% Tamilnadu SDL (MD 19/09/2026) (16.8%), 7.4% Madhya Pradesh SDL (MD 09/11/2026) (11.2%), 5.74% GOI (MD 15/11/2026) (9.5%) and 7.49% Gujarat SDL (MD 28/09/2026) (6.8%). Holdings are disclosed monthly and change over time.
How risky is Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund?
Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 0.6% and its worst peak-to-trough fall in our sample was -0.4%. 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 0.95 mean?
The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund's 0.95 means it has rewarded its volatility with excess return. Higher is better.
What is the benchmark of Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund?
Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund is benchmarked against the CRISIL IBX 90:10 SDL plus Gilt Index - November 2026. Its alpha and beta on this page are measured against that index.
Who manages Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund?
Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund is managed by Gautam Kaul and Harshal Joshi at Bandhan.
How is Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund taxed?
Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index 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.