Should I invest in BANDHAN CRISIL IBX GILT APRIL 2032 INDEX FUND - DIRECT IDCW?

We don't give personal investment advice. BANDHAN CRISIL IBX GILT APRIL 2032 INDEX FUND - DIRECT 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.

Bandhan

BANDHAN CRISIL IBX GILT APRIL 2032 INDEX FUND - DIRECT IDCW

Latest NAV

₹10.8386

As of

3 Jun 2026

801 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	-0.12%	+0.14%	-0.25	260 / 296	Q4
1W	+0.15%	-1.13%	+1.28	55 / 296	Q1
2W	+0.65%	+0.01%	+0.63	61 / 296	Q1
1M	+0.46%	-0.63%	+1.10	47 / 296	Q1
3M	-3.05%	-0.19%	-2.86	217 / 291	Q3
6M	-1.68%	-2.63%	+0.94	160 / 285	Q3
YTD	-1.60%	-2.85%	+1.24	163 / 287	Q3
1Y	-3.99%	+0.85%	-4.84	206 / 269	Q4
2Y	+0.90%	+3.09%	-2.19	126 / 188	Q3
3Y	+1.31%	+10.07%	-8.76	139 / 149	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+2.48%	+6.44%	-3.95	211 / 294	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	-1.60%	-2.86%	+1.26	159 / 282
2025	+1.37%	+5.41%	-4.05	169 / 226
2024	+3.59%	+13.06%	-9.47	151 / 159
2023	—	—	—	—

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

+2.86%

29 windows

min -4.0% · max 7.0%

90% positive

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

3-Year rolling

+2.09%

4 windows

min 1.3% · max 3.8%

100% positive

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

5-Year rolling

—

Insufficient history

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

4.42%

3-year · annualised

Sharpe ratio

-1.15

vs risk-free 6.5%

Sortino ratio

-1.43

Downside-only deviation

Max drawdown

-5.63%

Jun 2025 → Apr 2026

% positive months

66.7%

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
Nippon India CRISIL - IBX AAA Financial Services - Dec 2026 Index Fund - Direct Plan - IDCW Option	Nippon India	₹11.2280	3 Jun 2026
SBI CRISIL - IBX Financial Services 3-6 Months Debt Index Fund - Direct Plan - IDCW	SBI	₹10.0584	3 Jun 2026
ICICI Prudential CRISIL-IBX Financial Services 3-6 Months Debt Index Fund - Direct Plan - Annual IDCW	ICICI Prudential	₹10.8517	3 Jun 2026
BANDHAN CRISIL IBX 90:10 SDL PLUS GILT - NOV 2026 INDEX FUND - DIRECT IDCW	Bandhan	₹10.4786	3 Jun 2026
Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL APR 2028 Index Fund-Direct IDCW	Aditya Birla Sun Life	₹13.0956	3 Jun 2026
Mirae Asset CRISIL IBX Gilt Index - April 2033 Index Fund - Direct Plan - IDCW	Mirae Asset	₹13.1220	3 Jun 2026
Kotak CRISIL - IBX AAA Bond Financial Services Index Dec 2026 Fund - Direct - IDCW	Kotak	₹10.9585	3 Jun 2026
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL April 2037 Index Fund - Direct Plan - IDCW Option	Edelweiss	₹13.1608	3 Jun 2026
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund - Direct - IDCW	DSP	₹12.7477	3 Jun 2026
HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund - Direct - Payout of IDCW	HSBC	₹13.0923	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.8386
2 Jun 2026	₹10.8455
1 Jun 2026	₹10.8580
31 May 2026	₹10.8526
29 May 2026	₹10.8507
27 May 2026	₹10.8341
26 May 2026	₹10.8291
25 May 2026	₹10.8178
22 May 2026	₹10.7749
21 May 2026	₹10.7678

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 03 Jun 2026, the NAV of BANDHAN CRISIL IBX GILT APRIL 2032 INDEX FUND - DIRECT IDCW is ₹10.8386. It's a Index Fund from Bandhan, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BANDHAN CRISIL IBX GILT APRIL 2032 INDEX FUND - DIRECT IDCW has NAV history starting from 16 Feb 2023, a track record of about 3 years 3 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

BANDHAN CRISIL IBX GILT APRIL 2032 INDEX FUND - DIRECT IDCW 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 2032 INDEX FUND - DIRECT IDCW has delivered a absolute return of -3.99% — -4.84 pp behind the Index Fund category average of 0.85%. The fund ranks #206 of 269 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, BANDHAN CRISIL IBX GILT APRIL 2032 INDEX FUND - DIRECT IDCW has delivered a CAGR of 1.31% — -8.76 pp behind the Index Fund category average of 10.07%. The fund ranks #139 of 149 in its category — the bottom (Q4) quartile.

BANDHAN CRISIL IBX GILT APRIL 2032 INDEX FUND - DIRECT IDCW doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in BANDHAN CRISIL IBX GILT APRIL 2032 INDEX FUND - DIRECT IDCW exactly 3 years ago would be worth approximately ₹103,973 today — a multiplier of 1.04×, based on the 3-year CAGR of 1.31%. The category average over the same window would have grown ₹1 lakh to ₹133,348.

A ₹10,000 monthly SIP in BANDHAN CRISIL IBX GILT APRIL 2032 INDEX FUND - DIRECT IDCW over the last 3 years — total invested ₹360,000 — would be worth ₹361,892 today. That's an XIRR (money-weighted annualised return) of 0.34%.

BANDHAN CRISIL IBX GILT APRIL 2032 INDEX FUND - DIRECT IDCW doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹361,892 — XIRR 0.34%.

On a 3-year basis, BANDHAN CRISIL IBX GILT APRIL 2032 INDEX FUND - DIRECT IDCW ranks #139 out of 149 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 10.07%; this fund delivered 1.31%.

The worst peak-to-trough decline BANDHAN CRISIL IBX GILT APRIL 2032 INDEX FUND - DIRECT IDCW has experienced over the last 3-year window is 5.63% — its NAV fell from a high on 06 Jun 2025 to a low on 02 Apr 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, BANDHAN CRISIL IBX GILT APRIL 2032 INDEX FUND - DIRECT IDCW averaged 2.09% (best 3.79%, worst 1.31%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -1.15 — negative risk-adjusted performance.

In calendar year 2025, BANDHAN CRISIL IBX GILT APRIL 2032 INDEX FUND - DIRECT IDCW returned 1.37% — lagging the Index Fund category average of 5.41% by 4.05 pp. It ranked #169 of 226 in its category that year.

BANDHAN CRISIL IBX GILT APRIL 2032 INDEX FUND - DIRECT 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 CRISIL IBX GILT APRIL 2032 INDEX FUND - DIRECT 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.

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