Should I invest in BANDHAN CRISIL IBX Gilt April 2028 Index Fund Regular Plan?

We don't give personal investment advice. BANDHAN CRISIL IBX Gilt April 2028 Index Fund Regular Plan-Growth 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: 3.0%. 5-year CAGR: 6.05%.

Bandhan

BANDHAN CRISIL IBX Gilt April 2028 Index Fund Regular Plan-Growth

Latest NAV

₹13.7326

As of

17 Jul 2026

1,293 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	+0.01%	+0.18%	-0.16	194 / 291	Q3
1W	+0.14%	-0.08%	+0.23	85 / 291	Q2
2W	+0.25%	+0.22%	+0.04	99 / 291	Q2
1M	+0.57%	+0.71%	-0.14	183 / 291	Q3
3M	+1.31%	+2.09%	-0.78	204 / 288	Q3
6M	+2.61%	+1.30%	+1.31	151 / 276	Q3
YTD	+2.84%	+0.50%	+2.34	115 / 275	Q2
1Y	+5.29%	+2.18%	+3.11	82 / 261	Q2
2Y	+7.14%	+2.95%	+4.19	45 / 167	Q2
3Y	+7.15%	+10.34%	-3.19	96 / 130	Q3
4Y	+7.25%	+12.76%	-5.51	49 / 58	Q4
5Y	+6.05%	+11.48%	-5.43	23 / 25	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.13%	+6.61%	-0.49	193 / 291	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	+2.84%	+0.47%	+2.37	113 / 273
2025	+7.92%	+5.14%	+2.78	70 / 211
2024	+7.76%	+13.66%	-5.90	115 / 136
2023	+7.51%	+20.09%	-12.57	59 / 94
2022	+1.99%	+1.07%	+0.93	18 / 31
2021	—	—	—	—

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

+6.17%

53 windows

min 0.4% · max 9.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+6.65%

29 windows

min 5.0% · max 8.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+6.06%

5 windows

min 5.9% · max 6.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

1.14%

3-year · annualised

Sharpe ratio

0.39

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.64%

Sep 2023 → Oct 2023

% positive months

91.7%

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 Index Fund

Scheme	Fund house	NAV	As of
HDFC CRISIL-IBX Financial Services 3-6 Months Debt Index Fund - Regular Growth Plan	HDFC	₹10.8355	17 Jul 2026
Nippon India CRISIL - IBX AAA Financial Services - Dec 2026 Index Fund - Regular Plan - Growth Option	Nippon India	₹11.3121	17 Jul 2026
SBI CRISIL - IBX Financial Services 3-6 Months Debt Index Fund - Regular Plan - Growth	SBI	₹10.1599	17 Jul 2026
BANDHAN CRISIL IBX 90:10 SDL PLUS GILT - NOV 2026 INDEX FUND - REGULAR GROWTH	Bandhan	₹12.8510	17 Jul 2026
Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund-Regular Growth	Aditya Birla Sun Life	₹13.2139	17 Jul 2026
Mirae Asset CRISIL IBX Gilt Index - April 2033 Index Fund - Regular Plan - Growth	Mirae Asset	₹13.3438	17 Jul 2026
Kotak CRISIL - IBX AAA Bond Financial Services Index Dec 2026 Fund - Regular - Growth	Kotak	₹11.0466	17 Jul 2026
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL April 2037 Index Fund - Regular Plan - Growth	Edelweiss	₹13.3788	17 Jul 2026
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund - Regular - Growth	DSP	₹12.9923	17 Jul 2026
HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund - Regular - Growth	HSBC	₹13.1845	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹13.7326
16 Jul 2026	₹13.7312
15 Jul 2026	₹13.7174
14 Jul 2026	₹13.7014
13 Jul 2026	₹13.7146
10 Jul 2026	₹13.7128
9 Jul 2026	₹13.6966
8 Jul 2026	₹13.6877
7 Jul 2026	₹13.7002
6 Jul 2026	₹13.7027

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 CRISIL IBX Gilt April 2028 Index Fund Regular Plan-Growth is ₹13.7326. It's a Index Fund from Bandhan, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

BANDHAN CRISIL IBX Gilt April 2028 Index Fund Regular Plan-Growth has NAV history starting from 24 Mar 2021, a track record of about 5 years 3 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 CRISIL IBX Gilt April 2028 Index Fund Regular Plan-Growth is managed by Bandhan. It's classified by AMFI under the 'Index Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, BANDHAN CRISIL IBX Gilt April 2028 Index Fund Regular Plan-Growth has delivered a absolute return of 5.29% — +3.11 pp ahead of the Index Fund category average of 2.18%. The fund ranks #82 of 261 in its category — the second (Q2) quartile.

Over the trailing 3-year window, BANDHAN CRISIL IBX Gilt April 2028 Index Fund Regular Plan-Growth has delivered a CAGR of 7.15% — -3.19 pp behind the Index Fund category average of 10.34%. The fund ranks #96 of 130 in its category — the third (Q3) quartile.

Over the trailing 5-year window, BANDHAN CRISIL IBX Gilt April 2028 Index Fund Regular Plan-Growth has delivered a CAGR of 6.05% — -5.43 pp behind the Index Fund category average of 11.48%. The fund ranks #23 of 25 in its category — the bottom (Q4) quartile.

₹1 lakh invested in BANDHAN CRISIL IBX Gilt April 2028 Index Fund Regular Plan-Growth exactly 5 years ago would be worth approximately ₹134,161 today — a multiplier of 1.34×, based on the 5-year CAGR of 6.05%. The category average over the same window would have grown ₹1 lakh to ₹172,179.

A ₹10,000 monthly SIP in BANDHAN CRISIL IBX Gilt April 2028 Index Fund Regular Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹712,107 today. That's an XIRR (money-weighted annualised return) of 6.78%.

BANDHAN CRISIL IBX Gilt April 2028 Index Fund Regular Plan-Growth doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹712,107 — XIRR 6.78%.

On a 5-year basis, BANDHAN CRISIL IBX Gilt April 2028 Index Fund Regular Plan-Growth ranks #23 out of 25 funds in the Index Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 11.48%; this fund delivered 6.05%.

The worst peak-to-trough decline BANDHAN CRISIL IBX Gilt April 2028 Index Fund Regular Plan-Growth has experienced over the last 5-year window is 2.96% — its NAV fell from a high on 15 Dec 2021 to a low on 09 May 2022. 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 CRISIL IBX Gilt April 2028 Index Fund Regular Plan-Growth averaged 6.06% (best 6.17%, worst 5.91%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.31 — negative risk-adjusted performance.

In calendar year 2025, BANDHAN CRISIL IBX Gilt April 2028 Index Fund Regular Plan-Growth returned 7.92% — beating the Index Fund category average of 5.14% by 2.78 pp. It ranked #70 of 211 in its category that year.

BANDHAN CRISIL IBX Gilt April 2028 Index Fund Regular Plan-Growth 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 CRISIL IBX Gilt April 2028 Index Fund Regular Plan-Growth 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: 3.0%. 5-year CAGR: 6.05%.

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

BANDHAN CRISIL IBX Gilt April 2028 Index Fund Regular Plan-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Index Fund

Recent NAVs

Frequently asked questions

More from Bandhan