Bandhan Gilt Fund

NAV Growth: Rs 38.2640
Yearly NAV IDCW: Rs 12.2941
Quarterly NAV IDCW: Rs 11.6253
NAV IDCW: Rs 14.7537

⚖️ Sahifund Review – Bandhan Gilt Fund ✔

PLUS: Stability, track record, cost efficiency

MINUS: Large AUM, large-cap bias, momentum lag

Sahifund View (Decisive Line):
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What lies ahead? Below we decode returns consistency, portfolio concentration, peer positioning and risk profile in detail.

Suitable For Which Investors?
“This is a fund that invests mainly in bonds issued by the government of India. These bonds do not carry any risk of default since the repayment of investors’ money is backed by the government. But they are prone to sharp ups and downs because of changes in interest rates.
However, retail investors can avoid these funds altogether. There are far too many kinds of debt funds with a highly nuanced classification based on the type or duration of bonds they can invest in. We believe that so many fund categories add to complexity which is easily avoidable. Retail investors can simply invest in Liquid funds for an investment horizon of up to one year and Short Duration funds for the fixed income allocation (which should be 100 per cent for an investment horizon of up to three years) in their longer-term portfolios.”

Fund’s Investment Strategy:
The scheme seeks to generate reasonable return with high liquidity through investment in Government securities across maturities.

Fund Manager:

1) Suyash Choudhary
Education: Mr. Choudhary is a B.A (H) Economics from Delhi University and PGDM from IIM Calcutta.
Experience: Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) he has worked with HSBC Asset Management (India) Pvt. Ltd., Standard Chartered Asset Management Co. Pvt. Ltd. and Deutsche Bank.

Investment Details

Min. Investment (Rs)	1,000
Min. Addl Investment (Rs)	1,000
Min. SIP Investment (Rs)	100
Min. Withdrawal (Rs)	500
Min. No of Cheques	6
Min. Balance (Rs)	500
Lock-in Period	NA
Exit Load	0

Basic Details of Bandhan Gilt Fund

Fund House	Bandhan Mutual Fund
Launch Date	01-Jan-13
Return Since Launch	9.08%
Benchmark	CRISIL Dynamic Gilt Index
Riskometer	Moderate
Type	Open-ended
Assets	Rs 3,542 Cr
	(As on 31-Mar-2025)
Expense	0.52%
	(As on 31-Mar-2025)
Risk Grade	High
Return Grade	Above Average

Trailing Returns (%) of Bandhan Gilt Fund

Fund name	YTD	1D	1M	3M	6M	1Y	3Y	5Y	7Y	10Y
Bandhan Gilt Dir	4.03	0.02	2.50	4.45	4.39	12.26	8.35	7.38	8.89	8.50
CCIL All Sovereign Bond – TRI	4.48	0.17	2.70	4.48	5.38	12.53	9.41	7.31	8.46	8.24
Debt: Gilt	4.28	0.03	2.66	4.37	5.15	11.68	8.34	7.12	8.10	8.04
Rank within category	21	20	21	12	23	5	13	7	2	6
Number of funds in category	23	24	24	24	23	23	21	20	20	20

Peer Comparison of Bandhan Gilt Fund

	Rating	1 Year Returns	3 Year Returns	5 Year Returns	Expense Ratio (%)	Net Assets (Rs Cr)	Return Since Launch (%)	Exit Load (Days)	Fund Age
Bandhan Gilt Dir	1 star	12.26	8.35	7.38	0.52	3,542	9.08	—	12Y 3M
SBI Magnum Gilt Dir	5 star	11.95	9.01	7.68	0.46	11,489	9.41	—	12Y 3M
ICICI Pru Gilt Dir	5 star	11.39	8.91	8.00	0.56	7,133	8.80	—	12Y 3M
Baroda BNP Paribas Gilt Dir	4 star	12.35	8.61	6.88	0.14	1,627	8.06	—	12Y 3M
Tata GSF Dir	4 star	11.53	8.85	6.85	0.29	1,003	8.30	—	12Y 3M

Portfolio Breakup

	Fund	Category
Number of Securities	2	14
Macaulay Duration (yrs)	12.41	8.85
Average Maturity (yrs)	28.24	18.91
Yield to Maturity (%)	—	0.07
Avg Credit Rating	GOI/Cash	—

Disclaimer: Mutual fund investments are subject to market risks. Read all scheme related documents carefully

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