InvestVerdict

Bandhan Banking and PSU Debt Fund

Direct Plan · IDCW · Banking & PSU · Scheme code 121281

NAV₹14.2398as on 28 Aug 2026

Fund houseBandhan Mutual Fund

CategoryBanking & PSU

Plan & optionDirect · IDCW

History13.5 years

Returns (%)

	1M	3M	6M	1Y	3Y	5Y	7Y	10Y	Launch
This scheme	0.19	2.43	3.18	5.95	7.18	6.23	2.07	3.12	2.66
Banking & PSU category median	—	—	—	5.43	7.22	6.29	—	7.23	—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

	Volatility	Sharpe	Sortino	Beta	Alpha	Max fall	R²
This scheme	7.2%	0.10	0.10	—	—	-22.7%	—

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the — months this scheme and its benchmark share.

Growth of ₹100 since launch

Drawdown from peak (%)

Every one-year period it has lived through

Windows	Worst	Median	Best	Periods that lost money
604	-14.4%	4.1%	13.8%	33%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

InvestVerdict

Bandhan Banking and PSU Debt Fund

Direct Plan · IDCW

Allocation

By asset

Debt	96.71%
Cash & Equivalents	3.29%

By market cap

Unclassified	97.07%

Concentration

Number of stocks	96
Top 5 stocks	21.93%
Top 10 stocks	33.69%
Top 20 stocks	53.63%

Largest holding	7.74%
Largest sector	CRISIL AAA 48.42%
Effective stocks	45.9
Cash	2.93%

InvestVerdict

Bandhan Banking and PSU Debt Fund

Direct Plan · IDCW · holdings

Top 18 holdings

#	Company	Sector	% of fund
1	—	SOVEREIGN	7.74%
2	—	CRISIL AAA	4.09%
3	—	CRISIL A1+	3.85%
4	—	CRISIL AAA	3.36%
5	—	ICRA AAA	2.89%
6	—	Unclassified	2.42%
7	—	CRISIL A1+	2.39%
8	—	CRISIL A1+	2.37%
9	—	CRISIL A1+	2.36%
10	—	CRISIL AAA	2.36%
11	—	CRISIL AAA	2.28%
12	—	CRISIL AAA	2.27%
13	—	CRISIL AAA	2.21%
14	—	CRISIL A1+	2.16%
15	—	CRISIL A1+	1.99%
16	—	CRISIL A1+	1.98%
17	—	CRISIL A1+	1.97%
18	—	CRISIL AAA	1.86%

Sector split

CRISIL AAA	48.42%
CRISIL A1+	23.04%
ICRA AAA	11.01%
SOVEREIGN	9.81%
Cash & Equivalents	2.93%
CARE A1+	2.25%
ICRA A1+	1.76%
CARE AAA	0.42%
Unclassified	0.36%

A ₹10,000 monthly SIP over five years

Invested	Value	Gain	XIRR
₹600,000	₹713,353	₹113,353	6.86%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 1 Sep 2026.