MonitorDirect · GrowthWatch before adding
BANDHAN FIXED TERM PLAN SERIES - 179 (3652 DAYS)
- NAV
- 18.1097
- 29 Oct 2026
- 1Y
- +4.3%
- Trailing CAGR
- AUM
- ₹366.83 Cr
- 30 Jun 2026
- Volatility
- Low
- 3.0% 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
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · The fund beat the category median in 96% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Prefer peers if · Prefer ICICI Prudential Fixed Maturity Plan - Series 80 - 1125 Days Plan S if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
7.6 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
n/a
TER not on file yet.
Drawdown vs peers
Pass
Peak-to-trough -4.9%. Ask whether you can hold through a similar fall.
Vs category
Pass
96% 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.
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
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
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+4.3%
- 3Y+7.6%
- 5Y+6.5%
- 10Yn/a
- SI+8.1%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+3.6%
- 3Y+6.3%
- 5Y+6.9%
- 10Yn/a
- Since inception
- +8.1%
- Calendar-day CAGR
- Excess 1Y
- -1.3%
- Category median, same plan and option
- 3Y win rate
- +96%
- Windows beating the median
- 3Y percentile
- 60
- Vs comparable share classes
- SIP 3Y XIRR
- +6.3%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.9%
- 1131 daily-ending windows
- Median rolling 3Y
- +6.7%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 646 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -4.9%
- Worst peak-to-trough
- Current
- -0.4%
- Below last peak
- Current spell
- 73 days
- Days below latest peak
- Time below peak
- +68%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 224 recovered episodes
- Longest recovery
- 65 days
- Trough to prior peak
9 Mar 2020 – 21 Apr 2020
Trough 7 Apr 2020 · recovered in 14 days
-4.9%
4 Jan 2021 – 8 Apr 2021
Trough 26 Feb 2021 · recovered in 41 days
-3.0%
14 Dec 2021 – 11 Aug 2022
Trough 7 Jun 2022 · recovered in 65 days
-2.8%
7 Sept 2020 – 16 Oct 2020
Trough 29 Sept 2020 · recovered in 17 days
-2.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
60
Vs category
42
Consistency
89
Risk-adjusted
60
Drawdown
88
Mean
68
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Supporting reads
- The fund beat the category median in 96% 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%.
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
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI Prudential Fixed Maturity Plan - Series 80 - 1125 Days Plan S
ICICI Prudential Mutual Fund
- 1Y
- +8.4%
- 3Y
- +8.0%
- Vol
- 0.8%
- Max DD
- -0.3%
- Sharpe
- 2.60
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
ICICI Prudential Fixed Maturity Plan - Series 80 - 1150 Days Plan N
ICICI Prudential Mutual Fund
- 1Y
- +8.4%
- 3Y
- +7.9%
- Vol
- 0.8%
- Max DD
- -0.4%
- Sharpe
- 2.83
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
ICICI Prudential Fixed Maturity Plan - Series 85 - 1156 Days Plan G
ICICI Prudential Mutual Fund
- 1Y
- +4.1%
- 3Y
- +7.7%
- Vol
- 1.5%
- Max DD
- -2.1%
- Sharpe
- 1.31
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
DSP FMP Series - 267 - 1172 Days
DSP Mutual Fund
- 1Y
- +6.1%
- 3Y
- +7.1%
- Vol
- 0.9%
- Max DD
- -0.5%
- Sharpe
- 1.43
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
HDFC FMP 1190D January 2019 (1)
HDFC Mutual Fund
- 1Y
- +4.2%
- 3Y
- +7.6%
- Vol
- 1.6%
- Max DD
- -2.3%
- Sharpe
- 1.31
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns