Should I invest in Bandhan Banking and PSU Fund - Regular Fortnightly IDCW?

We don't give personal investment advice. Bandhan Banking and PSU Fund - Regular Fortnightly IDCW is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.3%. 5-year CAGR: -0.10%.

Bandhan

Bandhan Banking and PSU Fund - Regular Fortnightly IDCW

Latest NAV

₹10.6047

As of

17 Jul 2026

3,226 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.02%	+0.02%	+0.00	23 / 46	Q2
1W	-0.06%	-0.01%	-0.05	32 / 46	Q3
2W	-0.16%	-0.11%	-0.05	30 / 46	Q3
1M	-0.05%	+0.03%	-0.08	30 / 46	Q3
3M	-0.76%	+0.55%	-1.30	44 / 45	Q4
6M	+0.07%	+1.10%	-1.03	32 / 45	Q3
YTD	-0.12%	+0.74%	-0.86	30 / 45	Q3
1Y	-0.10%	+1.85%	-1.96	28 / 45	Q3
2Y	-0.22%	+2.54%	-2.76	38 / 43	Q4
3Y	-0.15%	+2.10%	-2.25	33 / 37	Q4
4Y	-0.06%	+2.35%	-2.41	32 / 34	Q4
5Y	-0.10%	+2.15%	-2.25	29 / 33	Q4
7Y	+0.34%	+1.81%	-1.47	18 / 31	Q3
10Y	+0.39%	+1.82%	-1.43	17 / 26	Q3
Inception	+0.44%	+2.40%	-1.96	31 / 46	Q3

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-0.12%	+0.48%	-0.60	21 / 36
2025	+0.05%	+2.43%	-2.39	24 / 37
2024	-0.05%	+2.68%	-2.73	35 / 39
2023	+0.01%	+2.17%	-2.16	30 / 37
2022	+0.09%	+1.72%	-1.63	18 / 33
2021	-0.11%	-0.47%	+0.36	15 / 33
2020	+0.16%	+2.88%	-2.72	23 / 31
2019	+3.84%	+2.39%	+1.45	10 / 30
2018	+0.20%	+1.46%	-1.26	17 / 29
2017	-0.05%	+0.94%	-1.00	26 / 34
2016	+0.20%	+2.13%	-1.94	20 / 30

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+0.40%

151 windows

min -1.5% · max 4.4%

69% positive

3-Year rolling

+0.44%

127 windows

min -0.2% · max 1.6%

81% positive

5-Year rolling

+0.53%

102 windows

min -0.3% · max 1.0%

92% positive

7-Year rolling

+0.61%

78 windows

min 0.3% · max 0.9%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

1.06%

3-year · annualised

Sharpe ratio

-6.22

vs risk-free 6.5%

Sortino ratio

-7.91

Downside-only deviation

Max drawdown

-1.33%

Apr 2025 → May 2026

% positive months

50.0%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Banking & PSU Fund

Scheme	Fund house	NAV	As of
SBI Banking & PSU Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,501.8744	17 Jul 2026
Invesco India Banking and PSU Fund - Regular Plan - Daily IDCW (Reinvestment)	Invesco	₹1,049.8531	17 Jul 2026
Bandhan Banking and PSU Fund - Regular Annual IDCW	Bandhan	₹11.3500	17 Jul 2026
Mirae Asset Banking and PSU Fund - Regular plan - IDCW	Mirae Asset	₹13.5966	17 Jul 2026
Edelweiss Banking and PSU Debt Fund - Regular Plan - IDCW Option	Edelweiss	₹17.6764	17 Jul 2026
DSP Banking & PSU Debt Fund - Regular Plan - IDCW	DSP	₹10.5865	17 Jul 2026
HSBC Banking and PSU Debt Fund - Regular Daily IDCW	HSBC	₹11.0910	17 Jul 2026
Canara Robeco Banking and PSU Debt Fund- Regular Plan- IDCW (Payout/ Reinvestment)	Canara Robeco	₹10.6618	17 Jul 2026
UTI Banking & PSU Fund - Regular Plan - Annual IDCW	UTI	₹13.3115	17 Jul 2026
Axis Banking & PSU Debt Fund - Regular Plan - Daily IDCW	Axis	₹1,037.3339	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹10.6047
16 Jul 2026	₹10.6025
15 Jul 2026	₹10.5956
14 Jul 2026	₹10.5915
13 Jul 2026	₹10.6127
10 Jul 2026	₹10.6110
9 Jul 2026	₹10.6001
8 Jul 2026	₹10.5971
7 Jul 2026	₹10.6210
6 Jul 2026	₹10.6269

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of Bandhan Banking and PSU Fund - Regular Fortnightly IDCW is ₹10.6047. It's a Banking & PSU Fund from Bandhan, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Bandhan Banking and PSU Fund - Regular Fortnightly IDCW has NAV history starting from 15 Mar 2013, a track record of about 13 years 4 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Bandhan Banking and PSU Fund - Regular Fortnightly IDCW is managed by Bandhan. It's classified by AMFI under the 'Banking & PSU Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Bandhan Banking and PSU Fund - Regular Fortnightly IDCW has delivered a absolute return of -0.10% — -1.96 pp behind the Banking & PSU Fund category average of 1.85%. The fund ranks #28 of 45 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Bandhan Banking and PSU Fund - Regular Fortnightly IDCW has delivered a CAGR of -0.15% — -2.25 pp behind the Banking & PSU Fund category average of 2.10%. The fund ranks #33 of 37 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Bandhan Banking and PSU Fund - Regular Fortnightly IDCW has delivered a CAGR of -0.10% — -2.25 pp behind the Banking & PSU Fund category average of 2.15%. The fund ranks #29 of 33 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Bandhan Banking and PSU Fund - Regular Fortnightly IDCW exactly 10 years ago would be worth approximately ₹103,963 today — a multiplier of 1.04×, based on the 10-year CAGR of 0.39%. The category average over the same window would have grown ₹1 lakh to ₹119,772.

A ₹10,000 monthly SIP in Bandhan Banking and PSU Fund - Regular Fortnightly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹599,034 today. That's an XIRR (money-weighted annualised return) of -0.06%.

A ₹10,000 monthly SIP for 10 years in Bandhan Banking and PSU Fund - Regular Fortnightly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,213,940 (multiplier 1.01×). XIRR: 0.23%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Bandhan Banking and PSU Fund - Regular Fortnightly IDCW ranks #29 out of 33 funds in the Banking & PSU Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.15%; this fund delivered -0.10%.

The worst peak-to-trough decline Bandhan Banking and PSU Fund - Regular Fortnightly IDCW has experienced over the last 5-year window is 1.33% — its NAV fell from a high on 08 Apr 2025 to a low on 21 May 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Bandhan Banking and PSU Fund - Regular Fortnightly IDCW averaged 0.53% (best 1.02%, worst -0.26%). 92% of rolling windows ended positive. The 5-year Sharpe ratio is -7.02 — negative risk-adjusted performance.

In calendar year 2025, Bandhan Banking and PSU Fund - Regular Fortnightly IDCW returned 0.05% — lagging the Banking & PSU Fund category average of 2.43% by 2.39 pp. It ranked #24 of 37 in its category that year.

Bandhan Banking and PSU Fund - Regular Fortnightly IDCW doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Bandhan Banking and PSU Fund - Regular Fortnightly IDCW is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.3%. 5-year CAGR: -0.10%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.