ReviewDirect · Growth
BANDHAN RETIREMENT FUND
Bandhan Mutual FundSolution Oriented Scheme - Retirement Fund2.9 years
- NAV
- 12.849
- 15 Sept 2026
- 1Y
- -0.1%
- Trailing CAGR
- AUM
- ₹181.88 Cr
- 31 Aug 2026
- Volatility
- Medium
- 8.3% annualized
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-0.1%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+9.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-1.3%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +9.4%
- Calendar-day CAGR
- Excess 1Y
- -5.2%
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- Worst rolling 3Y
- n/a
- 0 daily-ending windows
- Median rolling 3Y
- n/a
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
- SIP 3Y XIRR
- n/a
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 39 recovered episodes
- Longest recovery
- 98 days
- Trough to prior peak
- Current spell
- 252 days
- Days below latest peak
- Time below peak
- +82%
- NAV observations
2 Jan 2026 – open
Trough 30 Mar 2026 · not recovered
-9.8%
26 Sept 2024 – 6 Jun 2025
Trough 28 Feb 2025 · recovered in 98 days
-9.4%
3 Jun 2024 – 7 Jun 2024
Trough 4 Jun 2024 · recovered in 3 days
-3.8%
31 Jul 2024 – 20 Aug 2024
Trough 6 Aug 2024 · recovered in 14 days
-2.4%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
22
Vs category
18
Consistency
28
Risk-adjusted
50
Drawdown
76
Mean
39
Portfolio
31 Aug 2026 · 58 holdings · top 10 are 68.2%.
- Top 5
- 47.9%
- Top 10
- 68.2%
- Largest holding
- 21.3%
- Effective holdings
- 12.8
GOVERNMENT OF INDIA 33071 GOI 19JU53 7.3 FV RS 100
Entities
21.3%
Cash Margin
Unspecified
10.0%
Reverse Repo
Unspecified
6.0%
Bharti Airtel Ltd
Technology
5.5%
Reliance Industries Ltd
Energy & Utilities
5.1%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
11 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
10 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
9 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
8 Sept 2026
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 11 Sept 2026
Review
Engine status
Review
Closer look
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.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +5.1%
- 3Y
- +8.2%
- Vol
- 3.2%
- Max DD
- -5.0%
- Sharpe
- 0.61
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
ICICI Prudential Retirement Fund Pure Debt Plan
ICICI Prudential Mutual Fund
- 1Y
- +4.5%
- 3Y
- +6.7%
- Vol
- 1.8%
- Max DD
- -2.7%
- Sharpe
- 1.23
- 3Y win
- +2%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Nippon India Retirement Fund- Income Generation Scheme
Nippon India Mutual Fund
- 1Y
- +1.6%
- 3Y
- +6.7%
- Vol
- 4.9%
- Max DD
- -7.4%
- Sharpe
- 0.50
- 3Y win
- +20%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
SBI Retirement Benefit Fund - Conservative Hybrid Plan
SBI Mutual Fund
- 1Y
- +1.9%
- 3Y
- +6.4%
- Vol
- 5.6%
- Max DD
- -6.9%
- Sharpe
- 0.67
- 3Y win
- +4%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
SBI Retirement Benefit Fund - Conservative Plan
SBI Mutual Fund
- 1Y
- +3.3%
- 3Y
- +6.5%
- Vol
- 3.4%
- Max DD
- -4.4%
- Sharpe
- 0.68
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Higher trailing returns