MonitorDirect · GrowthWatch before adding
Bharat Bond FOF - April 2030
- NAV
- 15.8678
- 29 Oct 2026
- 1Y
- +2.5%
- Trailing CAGR
- AUM
- ₹8,748.26 Cr
- 30 Sept 2026
- Volatility
- Low
- 3.8% 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 · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer Bandhan Conservative Hybrid Passive FOF if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
6.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.04% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -4.8%. Ask whether you can hold through a similar fall.
Vs category
Fail
0% 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
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+2.5%
- 3Y+6.9%
- 5Y+6.1%
- 10Yn/a
- SI+7.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.0%
- 3Y+5.4%
- 5Y+6.3%
- 10Yn/a
- Since inception
- +7.0%
- Calendar-day CAGR
- Excess 1Y
- -1.4%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 10
- Vs comparable share classes
- SIP 3Y XIRR
- +5.4%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.9%
- 929 daily-ending windows
- Median rolling 3Y
- +6.7%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 447 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -4.8%
- Worst peak-to-trough
- Current
- -1.4%
- Below last peak
- Current spell
- 85 days
- Days below latest peak
- Time below peak
- +77%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 159 recovered episodes
- Longest recovery
- 137 days
- Trough to prior peak
9 Mar 2020 – 21 Apr 2020
Trough 23 Mar 2020 · recovered in 29 days
-4.8%
5 Apr 2022 – 12 Aug 2022
Trough 13 Jun 2022 · recovered in 60 days
-3.4%
8 Jan 2021 – 6 Apr 2021
Trough 26 Feb 2021 · recovered in 39 days
-2.7%
5 Aug 2020 – 12 Oct 2020
Trough 24 Aug 2020 · recovered in 49 days
-2.5%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
10
Vs category
41
Consistency
5
Risk-adjusted
40
Drawdown
88
Mean
37
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
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 3 holdings · top 10 are 100.0%.
- Top 5
- 100.0%
- Top 10
- 100.0%
- Largest holding
- 99.8%
- Effective holdings
- 1.0
BHARAT Bond ETF – April 2030 Regular - Growth
Unspecified
99.8%
Others CBLO
Unspecified
0.1%
Net Receivables
Unspecified
0.0%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Bandhan Conservative Hybrid Passive FOF
Bandhan Mutual Fund
- 1Y
- -0.5%
- 3Y
- +7.0%
- Vol
- 3.5%
- Max DD
- -9.8%
- Sharpe
- 0.66
- 3Y win
- +26%
- Lower volatility
- Higher win rate vs category
- Higher trailing returns
Caveat: Deeper drawdown
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
Union Income Plus Arbitrage Active FOF
Union Mutual Fund
- 1Y
- +3.7%
- 3Y
- n/a
- Vol
- 1.5%
- Max DD
- -1.0%
- Sharpe
- -1.37
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Aditya Birla Sun Life Income Plus Arbitrage Active FOF
Aditya Birla Sun Life Mutual Fund
- 1Y
- +4.7%
- 3Y
- +7.1%
- Vol
- 4.7%
- Max DD
- -10.1%
- Sharpe
- 0.37
- 3Y win
- +11%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
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