Should I invest in BANDHAN Dynamic Bond Fund B?

We don't give personal investment advice. BANDHAN Dynamic Bond Fund - Regular Plan B - IDCW is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.3%. 5-year CAGR: 5.35%.

IDFC

BANDHAN Dynamic Bond Fund - Regular Plan B - IDCW

Latest NAV

₹13.6365

As of

24 Jul 2026

4,259 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	+0.13%	+0.10%	+0.03	4 / 28	Q1
1W	-0.37%	+0.08%	-0.45	25 / 28	Q4
2W	-1.04%	-0.01%	-1.03	26 / 28	Q4
1M	0.00%	+0.50%	-0.50	21 / 28	Q3
3M	+3.13%	+1.86%	+1.27	3 / 28	Q1
6M	+4.80%	+3.81%	+0.99	5 / 28	Q1
YTD	+4.73%	+3.47%	+1.26	4 / 28	Q1
1Y	+4.49%	+5.02%	-0.53	13 / 28	Q2
2Y	+5.42%	+5.33%	+0.09	16 / 28	Q3
3Y	+6.72%	+5.01%	+1.71	12 / 28	Q2
4Y	+6.56%	+4.99%	+1.57	14 / 28	Q2
5Y	+5.35%	+3.98%	+1.37	12 / 27	Q2
7Y	+1.74%	+3.79%	-2.05	16 / 26	Q3
10Y	+2.52%	+3.78%	-1.26	15 / 25	Q3
Inception	+1.76%	+4.10%	-2.34	18 / 28	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	+4.73%	+2.22%	+2.51	2 / 18
2025	+3.64%	+3.45%	+0.20	10 / 18
2024	+10.25%	+6.04%	+4.21	1 / 18
2023	+6.09%	+4.34%	+1.75	10 / 18
2022	+0.99%	+3.05%	-2.06	14 / 22
2021	-5.55%	+2.73%	-8.28	24 / 24
2020	-9.79%	+4.46%	-14.25	27 / 27
2019	+11.37%	+4.44%	+6.93	3 / 27
2018	+6.74%	+3.44%	+3.30	3 / 27
2017	-7.61%	-0.70%	-6.91	27 / 28
2016	+8.29%	+8.38%	-0.09	16 / 28

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

+1.53%

203 windows

min -13.5% · max 15.0%

63% positive

3-Year rolling

+1.27%

179 windows

min -5.4% · max 8.0%

66% positive

5-Year rolling

+0.88%

154 windows

min -1.4% · max 5.5%

68% positive

7-Year rolling

+0.93%

130 windows

min -0.7% · max 3.3%

81% 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

4.24%

3-year · annualised

Sharpe ratio

0.02

vs risk-free 6.5%

Sortino ratio

0.03

Downside-only deviation

Max drawdown

-4.28%

May 2025 → Aug 2025

% positive months

69.4%

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 Dynamic Bond Fund

Scheme	Fund house	NAV	As of
HDFC Dynamic Debt Fund - Growth Option	HDFC	₹92.8852	24 Jul 2026
NIPPON INDIA DYNAMIC BOND FUND - QUARTERLY IDCW Option	Nippon India	₹10.3483	24 Jul 2026
SBI Dynamic Bond Fund - REGULAR PLAN - Growth	SBI	₹37.5451	24 Jul 2026
ICICI Prudential All Seasons Bond Fund - Annual IDCW	ICICI Prudential	₹11.4892	24 Jul 2026
Franklin India Dynamic Accrual Fund- Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - IDCW	Franklin India	₹0.0000	24 Jul 2026
PGIM India Dynamic Bond Fund - Dividend Option - Quarterly	PGIM India	₹1,042.7801	24 Jul 2026
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	IDFC	₹35.6638	24 Jul 2026
NIPPON INDIA DYNAMIC BOND FUND - IDCW Option	Reliance	₹26.4440	24 Jul 2026
Union Dynamic Bond Fund - IDCW Option	Union	₹15.6839	24 Jul 2026
Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	Birla Sun Life	₹33.5521	19 Jun 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹13.6365
23 Jul 2026	₹13.6193
22 Jul 2026	₹13.6511
21 Jul 2026	₹13.6716
20 Jul 2026	₹13.6803
17 Jul 2026	₹13.6865
16 Jul 2026	₹13.7214
15 Jul 2026	₹13.6980
14 Jul 2026	₹13.6753
13 Jul 2026	₹13.7682

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 24 Jul 2026, the NAV of BANDHAN Dynamic Bond Fund - Regular Plan B - IDCW is ₹13.6365. It's a Dynamic Bond Fund from IDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BANDHAN Dynamic Bond Fund - Regular Plan B - IDCW has NAV history starting from 08 Dec 2008, a track record of about 17 years 7 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

BANDHAN Dynamic Bond Fund - Regular Plan B - IDCW is managed by IDFC. It's classified by AMFI under the 'Dynamic Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, BANDHAN Dynamic Bond Fund - Regular Plan B - IDCW has delivered a absolute return of 4.49% — -0.53 pp behind the Dynamic Bond Fund category average of 5.02%. The fund ranks #13 of 28 in its category — the second (Q2) quartile.

Over the trailing 3-year window, BANDHAN Dynamic Bond Fund - Regular Plan B - IDCW has delivered a CAGR of 6.72% — +1.71 pp ahead of the Dynamic Bond Fund category average of 5.01%. The fund ranks #12 of 28 in its category — the second (Q2) quartile.

Over the trailing 5-year window, BANDHAN Dynamic Bond Fund - Regular Plan B - IDCW has delivered a CAGR of 5.35% — +1.37 pp ahead of the Dynamic Bond Fund category average of 3.98%. The fund ranks #12 of 27 in its category — the second (Q2) quartile.

₹1 lakh invested in BANDHAN Dynamic Bond Fund - Regular Plan B - IDCW exactly 10 years ago would be worth approximately ₹128,215 today — a multiplier of 1.28×, based on the 10-year CAGR of 2.52%. The category average over the same window would have grown ₹1 lakh to ₹144,935.

A ₹10,000 monthly SIP in BANDHAN Dynamic Bond Fund - Regular Plan B - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹701,254 today. That's an XIRR (money-weighted annualised return) of 6.17%.

A ₹10,000 monthly SIP for 10 years in BANDHAN Dynamic Bond Fund - Regular Plan B - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,440,944 (multiplier 1.20×). XIRR: 3.59%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, BANDHAN Dynamic Bond Fund - Regular Plan B - IDCW ranks #12 out of 27 funds in the Dynamic Bond Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.98%; this fund delivered 5.35%.

The worst peak-to-trough decline BANDHAN Dynamic Bond Fund - Regular Plan B - IDCW has experienced over the last 5-year window is 4.28% — its NAV fell from a high on 16 May 2025 to a low on 29 Aug 2025. 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 Dynamic Bond Fund - Regular Plan B - IDCW averaged 0.88% (best 5.47%, worst -1.38%). 68% of rolling windows ended positive. The 5-year Sharpe ratio is -0.33 — negative risk-adjusted performance.

In calendar year 2025, BANDHAN Dynamic Bond Fund - Regular Plan B - IDCW returned 3.64% — beating the Dynamic Bond Fund category average of 3.45% by 0.20 pp. It ranked #10 of 18 in its category that year.

BANDHAN Dynamic Bond Fund - Regular Plan B - IDCW is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. BANDHAN Dynamic Bond Fund - Regular Plan B - IDCW is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.3%. 5-year CAGR: 5.35%.

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