Should I invest in BANDHAN Equity Savings Fund-Monthly IDCW?

We don't give personal investment advice. BANDHAN Equity Savings Fund-Direct Plan-Monthly IDCW is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 31.8%. 5-year CAGR: -4.81%.

Bandhan

BANDHAN Equity Savings Fund-Direct Plan-Monthly IDCW

Latest NAV

₹11.5660

As of

17 Jul 2026

3,145 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%	+0.13%	+0.00	35 / 49	Q3
1W	+0.11%	+0.17%	-0.06	26 / 49	Q3
2W	+0.14%	+0.27%	-0.13	33 / 49	Q3
1M	+0.37%	+0.53%	-0.16	32 / 48	Q3
3M	+0.38%	+1.21%	-0.82	36 / 48	Q3
6M	-1.04%	+0.35%	-1.38	31 / 48	Q3
YTD	-1.07%	-0.31%	-0.76	31 / 48	Q3
1Y	-1.33%	+1.63%	-2.96	31 / 48	Q3
2Y	-16.14%	+2.39%	-18.53	47 / 47	Q4
3Y	-9.38%	+5.05%	-14.42	45 / 45	Q4
4Y	-6.17%	+5.30%	-11.46	40 / 40	Q4
5Y	-4.81%	+4.35%	-9.16	39 / 39	Q4
7Y	-1.62%	+5.64%	-7.26	38 / 38	Q4
10Y	-0.63%	+4.02%	-4.65	21 / 21	Q4
Inception	-0.30%	+5.34%	-5.63	47 / 47	Q4

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	-1.07%	-0.62%	-0.45	26 / 43
2025	-28.23%	+2.35%	-30.57	42 / 42
2024	+2.43%	+8.05%	-5.61	35 / 42
2023	+4.24%	+9.20%	-4.97	35 / 40
2022	+0.03%	+0.46%	-0.43	23 / 40
2021	+7.64%	+9.45%	-1.82	28 / 40
2020	+7.86%	+7.78%	+0.07	26 / 40
2019	+3.72%	+4.12%	-0.39	24 / 37
2018	+2.28%	-1.89%	+4.17	5 / 28
2017	+0.43%	+9.85%	-9.42	25 / 25
2016	+1.08%	+5.06%	-3.98	15 / 17

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

+0.25%

144 windows

min -29.3% · max 20.2%

74% positive

3-Year rolling

+1.39%

119 windows

min -9.4% · max 9.5%

82% positive

5-Year rolling

+2.03%

95 windows

min -4.8% · max 5.3%

81% positive

7-Year rolling

+2.18%

71 windows

min -1.8% · max 4.3%

75% 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

17.19%

3-year · annualised

Sharpe ratio

-0.84

vs risk-free 6.5%

Sortino ratio

-0.84

Downside-only deviation

Max drawdown

-31.83%

Sep 2024 → Mar 2026

% positive months

58.3%

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 Equity Savings Fund

Scheme	Fund house	NAV	As of
HDFC Equity Savings Fund - IDCW Option - Direct Plan	HDFC	₹15.0960	17 Jul 2026
NIPPON INDIA EQUITY SAVINGS FUND - SEGREGATED PORTFOLIO 2 - Direct Plan - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Equity Savings Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹25.0945	17 Jul 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹15.7100	17 Jul 2026
Invesco India Equity Savings Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹18.8261	17 Jul 2026
BANDHAN Equity Savings Fund-Direct Plan -Quarterly IDCW	Bandhan	₹13.3190	17 Jul 2026
quant Equity Savings Fund - IDCW Option - Direct Plan	Quant	₹10.9221	17 Jul 2026
Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW	Aditya Birla Sun Life	₹15.4800	17 Jul 2026
Franklin India Equity Savings Fund - Direct - IDCW	Franklin India	₹15.2612	17 Jul 2026
Mirae Asset Equity Savings Fund Direct IDCW	Mirae Asset	₹13.7290	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹11.5660
16 Jul 2026	₹11.5510
15 Jul 2026	₹11.5500
14 Jul 2026	₹11.5440
13 Jul 2026	₹11.5530
10 Jul 2026	₹11.5530
9 Jul 2026	₹11.5370
8 Jul 2026	₹11.5290
7 Jul 2026	₹11.5710
6 Jul 2026	₹11.5640

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 Equity Savings Fund-Direct Plan-Monthly IDCW is ₹11.5660. It's a Equity Savings Fund from Bandhan, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BANDHAN Equity Savings Fund-Direct Plan-Monthly IDCW has NAV history starting from 15 Oct 2013, a track record of about 12 years 9 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 Equity Savings Fund-Direct Plan-Monthly IDCW is managed by Bandhan. It's classified by AMFI under the 'Equity Savings Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, BANDHAN Equity Savings Fund-Direct Plan-Monthly IDCW has delivered a absolute return of -1.33% — -2.96 pp behind the Equity Savings Fund category average of 1.63%. The fund ranks #31 of 48 in its category — the third (Q3) quartile.

Over the trailing 3-year window, BANDHAN Equity Savings Fund-Direct Plan-Monthly IDCW has delivered a CAGR of -9.38% — -14.42 pp behind the Equity Savings Fund category average of 5.05%. The fund ranks #45 of 45 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, BANDHAN Equity Savings Fund-Direct Plan-Monthly IDCW has delivered a CAGR of -4.81% — -9.16 pp behind the Equity Savings Fund category average of 4.35%. The fund ranks #39 of 39 in its category — the bottom (Q4) quartile.

₹1 lakh invested in BANDHAN Equity Savings Fund-Direct Plan-Monthly IDCW exactly 10 years ago would be worth approximately ₹93,861 today — a multiplier of 0.94×, based on the 10-year CAGR of -0.63%. The category average over the same window would have grown ₹1 lakh to ₹148,305.

A ₹10,000 monthly SIP in BANDHAN Equity Savings Fund-Direct Plan-Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹489,478 today. That's an XIRR (money-weighted annualised return) of -7.96%.

A ₹10,000 monthly SIP for 10 years in BANDHAN Equity Savings Fund-Direct Plan-Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,032,269 (multiplier 0.86×). XIRR: -3.02%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, BANDHAN Equity Savings Fund-Direct Plan-Monthly IDCW ranks #39 out of 39 funds in the Equity Savings Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 4.35%; this fund delivered -4.81%.

The worst peak-to-trough decline BANDHAN Equity Savings Fund-Direct Plan-Monthly IDCW has experienced over the last 5-year window is 31.83% — its NAV fell from a high on 26 Sep 2024 to a low on 30 Mar 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 Equity Savings Fund-Direct Plan-Monthly IDCW averaged 2.03% (best 5.31%, worst -4.81%). 81% of rolling windows ended positive. The 5-year Sharpe ratio is -0.76 — negative risk-adjusted performance.

In calendar year 2025, BANDHAN Equity Savings Fund-Direct Plan-Monthly IDCW returned -28.23% — lagging the Equity Savings Fund category average of 2.35% by 30.57 pp. It ranked #42 of 42 in its category that year.

BANDHAN Equity Savings Fund-Direct Plan-Monthly IDCW is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. BANDHAN Equity Savings Fund-Direct Plan-Monthly IDCW is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 31.8%. 5-year CAGR: -4.81%.

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