January 8, 2026
RA Jainee
Bandhan Medium Duration Fund
NAV Growth: Rs 49.2835
NAV IDCW Quarterly: Rs 11.3922
NAV IDCW Periodic: Rs 12.8664
NAV IDCW Monthly: Rs 10.6184
⚖️ Sahifund Review – Bandhan Medium Duration Fund ✔
PLUS: Stability, track record, cost efficiency
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MINUS: Large AUM, large-cap bias, momentum lag
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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?
“Medium Duration debt funds invest mainly in bonds maturing in about three to four years. They aim to earn better returns than bank fixed deposits of a similar duration. The risk of incurring a loss in these funds over the said time frame is low, but they do not guarantee returns or safety of capital.
Retail investors can avoid these funds altogether. We believe that Short Duration funds are a better alternative for the fixed-income allocation in an investor’s portfolio.
We also believe that investors with an investment horizon of more than three years may consider investing some portion of their money in equity funds to earn higher returns. They witness more severe ups and downs than debt funds but the possibility of incurring a loss reduces with an increase in one’s investment horizon.”
Fund’s Investment Strategy:
The scheme seeks to invest in a diversified set of debt and money market securities with the aim of generating optimal returns over medium term such that the Macaulay duration of the portfolio is between 3 years and 4 years.
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 Medium Duration Fund
| Fund House | Bandhan Mutual Fund |
| Launch Date | 01-Jan-13 |
| Return Since Launch | 7.75% |
| Benchmark | NIFTY Medium Duration Debt Index A-III |
| Riskometer | Moderate |
| Type | Open-ended |
| Assets | Rs 1,459 Cr |
| (As on 31-Mar-2025) | |
| Expense | 0.60% |
| (As on 31-Mar-2025) | |
| Risk Grade | High |
| Return Grade | Below Average |
Trailing Returns (%) of Bandhan Medium Duration Fund
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| Bandhan Medium Duration Dir | 3.65 | 0.13 | 2.08 | 3.35 | 4.92 | 10.09 | 7.17 | 6.58 | 7.24 | 7.43 |
| VR Bond | 2.92 | 0.04 | 1.57 | 2.94 | 3.93 | 8.97 | 7.42 | 5.85 | 6.34 | 6.49 |
| Debt: Medium Duration | 3.72 | 0.11 | 2.00 | 3.40 | 5.03 | 10.46 | 8.20 | 7.91 | 7.34 | 7.74 |
| Rank within category | 5 | 3 | 4 | 5 | 8 | 7 | 12 | 10 | 8 | 7 |
| Number of funds in category | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 12 | 11 | 10 |
Peer Comparison of Bandhan Medium Duration 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 Medium Duration Dir | 2 star | 10.09 | 7.17 | 6.58 | 0.60 | 1,459 | 7.75 | — | 12Y 3M |
| ICICI Pru Medium Term Bond Dir | 4 star | 10.16 | 8.16 | 8.09 | 0.74 | 5,684 | 8.58 | 1.00 (365) | 12Y 3M |
| Axis Strategic Bond Dir | 4 star | 10.49 | 8.32 | 8.03 | 0.53 | 1,899 | 8.72 | 1.00 (365) | 12Y 3M |
| Kotak Medium Term Dir | 4 star | 10.60 | 8.01 | 8.02 | 0.67 | 1,766 | 8.55 | — | 11Y |
| HSBC Medium Duration Dir | 4 star | 10.42 | 7.92 | 7.68 | 0.39 | 658 | 8.03 | — | 10Y 2M |
Portfolio Breakup
| Fund | Category | |
| Number of Securities | 22 | 40 |
| Macaulay Duration (yrs) | 4.01 | 3.52 |
| Average Maturity (yrs) | 5.09 | 4.79 |
| Yield to Maturity (%) | — | — |
| Avg Credit Rating | AAA | — |
Disclaimer: Mutual fund investments are subject to market risks. Read all scheme related documents carefully
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