ReviewDirect · GrowthPrefer peers first
Bandhan Conservative Hybrid Passive FOF
- NAV
- 36.6226
- 29 Oct 2026
- 1Y
- -0.5%
- Trailing CAGR
- AUM
- ₹5.36 Cr
- 30 Sept 2026
- Volatility
- Low
- 3.5% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
In three lines
Watch if · Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Watch if · Recent return trails the category median by 3 percentage points or more, with a weak rolling win rate.
Prefer peers if · Prefer ICICI Prudential Diversified Debt Strategy Active FOF - Dividend option if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.6 years of path to read.
Engine status
Fail
The live read flags issues. Inspect same-category alternatives before buying.
Expense ratio
Pass
0.04% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -9.8%. Ask whether you can hold through a similar fall.
Vs category
Fail
26% 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
Watch
Top 10 holdings ≈ 100.0% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Review does not mean stop the SIP tomorrow - compare peers first. Stopping on a red label often locks in the worst path.
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-0.5%
- 3Y+7.0%
- 5Y+6.1%
- 10Y+7.2%
- SI+8.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-1.7%
- 3Y+3.7%
- 5Y+5.9%
- 10Y+6.8%
- Since inception
- +8.2%
- Calendar-day CAGR
- Excess 1Y
- -4.4%
- Category median, same plan and option
- 3Y win rate
- +26%
- Windows beating the median
- 3Y percentile
- 12
- Vs comparable share classes
- SIP 3Y XIRR
- +3.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +3.9%
- 2569 daily-ending windows
- Median rolling 3Y
- +8.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2087 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -9.8%
- Worst peak-to-trough
- Current
- -3.0%
- Below last peak
- Current spell
- 78 days
- Days below latest peak
- Time below peak
- +71%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 295 recovered episodes
- Longest recovery
- 116 days
- Trough to prior peak
20 Feb 2020 – 17 Jul 2020
Trough 23 Mar 2020 · recovered in 116 days
-9.8%
17 Jan 2022 – 17 Aug 2022
Trough 17 Jun 2022 · recovered in 61 days
-5.4%
12 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-3.7%
17 May 2013 – 8 Oct 2013
Trough 19 Aug 2013 · recovered in 50 days
-3.5%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
12
Vs category
23
Consistency
26
Risk-adjusted
58
Drawdown
76
Mean
39
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Review
Buying stance
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
- Recent return trails the category median by 3 percentage points or more, with a weak rolling win rate.
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 7 holdings · top 10 are 100.0%.
- Top 5
- 99.8%
- Top 10
- 100.0%
- Largest holding
- 38.3%
- Effective holdings
- 2.9
Bandhan CRISIL IBX Gilt April 2028 Index Fund Direct-Growth
Unspecified
38.3%
Bandhan CRISIL IBX 90:10 SDL Plus Gilt- April 2032 Index Fund Direct-Growth
Unspecified
37.9%
Bandhan Nifty Midcap 150 Index Fund Direct-Growth
Unspecified
22.9%
Bandhan Nifty Alpha 50 Index Fund Direct-Growth
Unspecified
0.4%
Reverse Repo
Unspecified
0.4%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
29 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
28 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
26 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
19 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
24 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI Prudential Diversified Debt Strategy Active FOF - Dividend option
ICICI Prudential Mutual Fund
- 1Y
- +3.7%
- 3Y
- +6.8%
- Vol
- 2.0%
- Max DD
- -4.6%
- Sharpe
- 1.03
- 3Y win
- +33%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Bandhan Aggressive Hybrid Passive FOF
Bandhan Mutual Fund
- 1Y
- -0.7%
- 3Y
- +11.4%
- Vol
- 10.3%
- Max DD
- -29.0%
- Sharpe
- 0.46
- 3Y win
- +56%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
DSP Gold ETF Fund of Fund
DSP Mutual Fund
- 1Y
- +16.4%
- 3Y
- n/a
- Vol
- 22.1%
- Max DD
- -25.2%
- Sharpe
- 1.10
- 3Y win
- n/a
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
HDFC Gold ETF Fund of Fund
HDFC Mutual Fund
- 1Y
- +16.6%
- 3Y
- +30.9%
- Vol
- 15.3%
- Max DD
- -24.8%
- Sharpe
- 0.36
- 3Y win
- +52%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
HDFC Silver ETF Fund of Fund
HDFC Mutual Fund
- 1Y
- +26.5%
- 3Y
- +36.3%
- Vol
- 37.4%
- Max DD
- -49.5%
- Sharpe
- 0.81
- 3Y win
- +100%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER