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Bandhan Regular Savings Fund Direct Plan-Growth
NAV as of(Aug 11, 2023)
₹ 29.91 -0.16 % 1-D Change
Returns 
8.22% p.a.
You get upto 0.93%extra returns
- Monthly SIP
Monthly SIP is not available for this fund - Lumpsum Lumpsum is not available for this fund
₹
Minimum SIP amount is ₹
₹
Minimum Lumpsum amount is ₹
This fund vs
Show performance of:
Scheme Details
| VRO Rating | |
| Expense ratio | 1.16% As on Jun 30, 2023 |
| Exit Load | 1.0% |
| AUM (Fund Size) | ₹ 140 Crs |
| Lock-in | No Lockin |
| Age | 10 yrs 7 m Since Jan 01, 2013 |
| Benchmark | CRISIL Hybrid 85+15 Conservative |
| Min. Investment | SIP ₹100 & Lumpsum ₹5000 |
About Bandhan Regular Savings Fund
Bandhan Regular Savings Fund Direct Plan-Growth is a Conservative Hybrid mutual fund scheme from Bandhan Mutual Fund. This fund has been in existence for 10 yrs 7 m, having been launched on 01/01/2013. Bandhan Regular Savings Fund Direct Plan-Growth has ₹140 Crores worth of assets under management (AUM) as on 30/06/2023 and is medium-sized fund of its category. The fund has an expense ratio of 1.16%, which is higher than what most other Conservative Hybrid funds charge. Currently, the fund has a 25.71% allocation to equity and 66.61% to Debt.
.....- Bandhan Regular Savings Fund Direct Plan-Growth returns of last 1-year are 5.37%. Since launch, it has delivered 8.22% average annual returns. The fund has doubled the money invested in it every 10 yrs.
- Bandhan Regular Savings Fund Direct Plan-Growth scheme's ability to deliver returns consistently is lower than most funds of its category. Its ability to control losses in a falling market is low.
- The fund's equity portion is primarily invested in Unclassified, Financial, Chemicals, Services, Automobile sectors. It has taken less exposure in Unclassified, Financial sectors compared to other funds in the category.
- The debt portion of the fund has moderate credit quality indicating the quality of borrowers it has lent it to is good.
- The fund's top 5 holdings are in Bandhan Nifty 50 ETF-G Nifty 50 ETF-Growth, GOI, Gujarat State, Power Finance Corpn. Ltd., Bank Of Baroda.
Investment Returns Calculator
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Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.
Latest Asset & Portfolio Allocation
as on Jul 31, 2023Top Stock Holdings
Allocation by Market Cap
Large Cap 19.8%
Mid Cap 3.6%
Small Cap 2.3%
Other Cap 0%
Allocation by Sector
Financial 3.91%
Chemicals 3.01%
Services 1.91%
Automobile 1.79%
Top Debt Holdings
GOI 8.02%
Gujarat State 7.24%
Power Finance Corpn. Ltd. 3.64%
LIC Housing Finance Ltd. 0.21%
Allocation by Credit Quality
SOV 62.76%
Cash & Call Money 7.65%
AAA 3.85%
Others 0%
Allocation by Instruments
GOI Securities 47.5%
Mutual Fund 10.49%
Central Government Loan 8.02%
State Development Loan 7.24%
Other Holdings
Bandhan Nifty 50 ETF-G Nifty 50 ETF-Growth 10.49%
Others 1.38%
Comparison with conservative hybrid Funds
as on Aug 14, 2023| Fund name | Annual Return % | ||
|---|---|---|---|
| Kotak Debt Hybrid Fund | 11.05% | ||
| SBI Conservative Hybrid Fund | 10.23% | ||
| Canara Robeco Conservative Hybrid Fund | 9.71% | ||
| HDFC Hybrid Debt Fund | 9.71% | ||
| ICICI Prudential Regular Savings Fund | 9.56% | ||
| HSBC Conservative Hybrid Fund | 8.37% | ||
| Bandhan Regular Savings Fund | 6.66% |
Trailing Returns and Ranks
as on Aug 14, 2023| Period | Trailing returns | Category average |
|---|---|---|
| 1 month | 0.11% | 0.5% |
| 3 months | 1.92% | 2.91% |
| 6 months | 5.43% | 5.93% |
| 1 year | 4.93% | 7.91% |
| 3 years | 6.45% | 10.27% |
| 5 years | 6.66% | 8.02% |
| 10 years | 8.71% | 9.77% |
Riskometer
Level of Risk in the Scheme
Investors understand that their principal will be at Moderately High risk
Bandhan Regular Savings Fund
HYBRID CONSERVATIVE HYBRID
The Scheme seeks to generate regular returns through investment predominantly in debt instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme's total assets in equity
- Std. Dev : 3.44
- Alpha : -1.11
- Beta : 0.57
- Sharpe : 0.66
- Sortino : 1.11
Sumit Agrawal
Mr.Agrawal is a B.Com, ACS, CFA (USA)and PGDM (Finance).
Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund), he was associated with Mirae Asset Mutual Fund (Nov 2010-Sep 2016) as Fund Manager-Equities, Axis Capital (erstwhile ENAM Securities) (Feb 2008-Nov 2010) as VP-Research Analyst and JP Morgan India Services Pvt. Ltd. (Jun 2006-Feb 2008) as TL-Investment Banking.
Harshal Joshi
Mr. Joshi is PGDBM from N.L. Dalmia Institute of Management Studies and Research, Mumbai
Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) in 2008 he has worked with ICAP India Pvt. Ltd.
Viraj Kulkarni
Mr. Kulkarni is a B.Tech. (Electronics), CFA and also holds a PGDM (Finance).
Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) he was associated with Franklin Templeton Asset Management (India) Pvt. Ltd. (May 2014-Sept. 2015) and Goldman Sachs Services India (June 2010-May 2012).
Bandhan Mutual Fund
TOTAL AUM:
₹1,18,329 Crs
As on Jun 30, 2023
- Address: No. 27, Ground Floor
Khetan Bhavan,198, Jamshedji Tata Road,
Churchgate,
Mumbai, 400020
Frequently Asked questions
How fund report card works
Identifying a top performing fund that consistently creates wealth can be a challenging task due to the dynamic nature of the market. Top funds often change frequently, sometimes even on a daily basis.
However, with ET Money's fund report card, it is now possible to find a fund that consistently ranks at the top and generates wealth over a long period of time. This valuable resource makes it easier to navigate the complex and constantly changing world of financial markets.
At ET Money, we have developed a smart ranking system for funds based on their consistency. We believe that consistently performing at the top of a category is more important than just occasionally ranking highly. To evaluate the consistency of a fund, we have identified two key parameters: "consistency of returns" and "protection from volatility." We assess these parameters by analyzing the strong performance and low volatility of a fund over a prolonged period of time. To arrive at a rating for these parameters, we carefully consider the track record of a fund in terms of both performance and volatility.
In our ranking methodology, we prioritize funds that consistently perform well over those that fluctuate in their performance. To ensure stability in our rankings, we analyzed data for a minimum of five years, rather than just a year or two. We also placed a greater emphasis on recent performance, as it tends to have a greater impact on momentum. This allows us to capture the full potential of recent momentum in our rankings.
How are the returns of Bandhan Regular Savings Fund ?
The Bandhan Regular Savings Fund is a 10 yrs 7 m old fund and has delivered average annual returns of 8.22% since inception.
Bandhan Regular Savings Fund Returns
| 1-Year | 3-Year | 5-Year | 10-Year | Since Inception |
|---|---|---|---|---|
| 4.93% | 6.45% | 6.66% | 8.71% | 8.22% |
What is the current NAV of Bandhan Regular Savings Fund?
NAV or Net Asset Value is the per-unit price of the Mutual Fund. The NAV of a Mutual Fund changes every day. It is calculated by taking the current value of the holdings of the fund at end of the day, subtracting the expenses, and dividing the value by the number of units issued to date.
The NAV of Bandhan Regular Savings Fund for Aug 11, 2023 is 29.91.
Should I invest in Bandhan Regular Savings Fund?
Bandhan Regular Savings Fund has an ET Money Rank of # 15 of 26 and a consistency rating of 1.
This indicates the fund has not generated great returns and even those are not very consistent. You might want to look at other funds in its category.
How do I invest in Bandhan Regular Savings Fund?
On ET Money, Investing in Bandhan Regular Savings Fund is fast, easy, and 100% paperless. And it takes only minutes. Here is what you need to do -
- Click on the Invest Now Button present on the top right-hand side.
- Enter your email id, select whether you want to do a one-time investment or start a SIP and add the amount
- Provide few more details needed including the bank account from which you will be making the payment and confirm.
- That's it. Your SIP or one-time investment in Bandhan Regular Savings Fund is done.
How much does Bandhan Regular Savings Fund charge as expense ratio?
The Expense Ratio of a Mutual Fund is the annual charges you pay to the Mutual Fund company for managing your investments in that fund. The Expense Ratio is a percentage of Assets Under Management (AUM) and is taken from the returns generated by the fund. For this reason, a fund with a lower expense ratio is always better because a smaller part of the returns will be taken and that means more returns for you.
The Expense Ratio of the direct plan of Bandhan Regular Savings Fund is 1.16%. .
How can I redeem my investments in Bandhan Regular Savings Fund?
Redeeming your investments in Bandhan Regular Savings Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.
If you have invested in Bandhan Regular Savings Fund from anywhere else, you can go to the fund house website and put a request through it.
What is the AUM or size of Bandhan Regular Savings Fund?
AUM or Asset Under Management is the total value of the assets held by a Mutual Fund scheme. For instance, for an equity Mutual Fund, the AUM will be the total value of its portfolio's equity shares (plus any other asset it might have invested in). The AUM of the fund changes every day because the price of the underlying asset fluctuates daily. However, the Mutual Fund company doesn't update it every day. It is updated only at the end of the month and released within few days of the next month.
The AUM of the fund is a good indicator of its popularity. A fund with a high AUM means a lot of money has been invested in it, and investors like it. However, the AUM should never be the primary criteria while selecting a fund. There are funds with huge AUMs that continue to perform well despite their size.
The AUM of Bandhan Regular Savings Fund is ₹140 Crs.
What are the top stock holdings of Bandhan Regular Savings Fund?
The Bandhan Regular Savings Fund's equity portion has been invested in the stocks of the following companies
| Company | Percentage of Portfolio |
|---|---|
| Bank Of Baroda | 0.86% |
| Anupam Rasayan India Ltd. | 0.78% |
| SBI Cards And Payment Services Ltd. | 0.71% |
| TVS Motor Co. Ltd. | 0.68% |
| Avenue Supermarts Ltd. | 0.66% |
| Kajaria Ceramics Ltd. | 0.66% |
| Trent Ltd. | 0.65% |
| Prataap Snacks Ltd. | 0.64% |
| SRF Ltd. | 0.62% |
| Jubilant FoodWorks Ltd. | 0.6% |
What are the top sectors Bandhan Regular Savings Fund has invested in?
The Bandhan Regular Savings Fund's equity portion is primarily invested in the following sectors -
| Sector | Percentage of Portfolio |
|---|---|
| Financial | 3.91% |
| Chemicals | 3.01% |
| Services | 1.91% |
| Automobile | 1.79% |
| Consumer Staples | 1.22% |
| Technology | 1.16% |
| Materials | 0.66% |
| Diversified | 0.62% |
| Energy | 0.52% |
| Capital Goods | 0.45% |
What is the quality of borrowers Bandhan Regular Savings Fund lends to?
The credit rating of the instruments in which the fund invests represents the quality of the borrower.
The Bandhan Regular Savings Fund's debt portion's allocation by credit quality is given below| Credit Quality | Percentage of Portfolio |
| SOV | 62.76% |
| Cash & Call Money | 7.65% |
| AAA | 3.85% |
To whom does Bandhan Regular Savings Fund lend to?
The top 3 debt holdings of Bandhan Regular Savings Fund are as follows
| Holding Name | Percentage of Portfolio |
| GOI | 8.02% |
| Gujarat State | 7.24% |
| Power Finance Corpn. Ltd. | 3.64% |