HealthyDirect · GrowthFit for a long SIP
Bandhan 10 year Constant Maturity Gilt Fund
Bandhan Mutual FundIncome/Debt Oriented Schemes - 10-year Constant Maturity Gilt Fund13.8 years
- NAV
- 48.3182
- 31 Oct 2026
- 1Y
- +2.5%
- Trailing CAGR
- AUM
- ₹293.16 Cr
- 31 Aug 2026
- Volatility
- Low
- 3.3% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 31 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 62% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.26% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -5.0%. Ask whether you can hold through a similar fall.
Vs category
Pass
62% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
n/a
Holdings weights not on file for this scheme yet.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+2.5%
- 3Y+7.2%
- 5Y+5.6%
- 10Y+7.6%
- SI+8.5%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+0.7%
- 3Y+4.9%
- 5Y+6.0%
- 10Y+6.8%
- Since inception
- +8.5%
- Calendar-day CAGR
- Excess 1Y
- +1.1%
- Category median, same plan and option
- 3Y win rate
- +62%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- SIP 3Y XIRR
- +4.9%
- Simulated monthly SIP
- Worst rolling 3Y
- +2.9%
- 2630 daily-ending windows
- Median rolling 3Y
- +9.0%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2147 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -5.0%
- Worst peak-to-trough
- Current
- -2.9%
- Below last peak
- Current spell
- 78 days
- Days below latest peak
- Time below peak
- +67%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 6 days
- 326 recovered episodes
- Longest recovery
- 164 days
- Trough to prior peak
21 Sept 2021 – 24 Nov 2022
Trough 13 Jun 2022 · recovered in 164 days
-5.0%
5 Jan 2021 – 11 Jun 2021
Trough 12 Mar 2021 · recovered in 91 days
-3.5%
14 Aug 2026 – open
Trough 26 Oct 2026 · not recovered
-3.3%
12 Mar 2026 – 5 Jun 2026
Trough 2 Apr 2026 · recovered in 64 days
-2.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
57
Consistency
62
Risk-adjusted
64
Drawdown
88
Mean
74
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 62% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
31 Aug 2026 · 8 holdings.
- Top 5
- 97.9%
- Top 10
- n/a
- Largest holding
- 66.6%
- Effective holdings
- 2.0
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
66.6%
GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100
Entities
19.8%
STATE DEVELOPMENT LOAN 37028 KAR 04FB35 7.49 FV RS 100
Unspecified
6.1%
Reverse Repo
Unspecified
3.6%
GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100
Entities
1.7%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI Prudential 10 year Constant Maturity Gilt Fund
ICICI Prudential Mutual Fund
- 1Y
- +2.1%
- 3Y
- +6.9%
- Vol
- 3.8%
- Max DD
- -4.7%
- Sharpe
- 0.62
- 3Y win
- +74%
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher volatility · Higher TER · Lower trailing returns
SBI 10 YEAR CONSTANT MATURITY GILT FUND
SBI Mutual Fund
- 1Y
- +1.3%
- 3Y
- +6.5%
- Vol
- 3.1%
- Max DD
- -4.5%
- Sharpe
- 0.76
- 3Y win
- +60%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
UTI 10 year Constant Maturity Gilt Fund
UTI Mutual Fund
- 1Y
- +1.5%
- 3Y
- +6.5%
- Vol
- 3.0%
- Max DD
- -3.3%
- Sharpe
- 0.20
- 3Y win
- +12%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns