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

We don't give personal investment advice. BANDHAN Equity Savings Fund - Regular Plan -Annual 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: 9.0%. 5-year CAGR: 0.77%.

Bandhan

BANDHAN Equity Savings Fund - Regular Plan -Annual IDCW

Latest NAV

₹12.5650

As of

17 Jul 2026

2,809 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%	+0.14%	-0.01	22 / 31	Q3
1W	+0.10%	+0.10%	-0.01	14 / 31	Q2
2W	+0.10%	+0.20%	-0.10	21 / 31	Q3
1M	+0.81%	+0.34%	+0.47	8 / 31	Q2
3M	+1.68%	+1.10%	+0.57	8 / 31	Q2
6M	-4.61%	-0.11%	-4.49	27 / 31	Q4
YTD	-4.68%	-0.61%	-4.07	27 / 31	Q4
1Y	-2.42%	+0.95%	-3.36	23 / 31	Q3
2Y	-1.60%	+1.43%	-3.03	23 / 29	Q4
3Y	+0.24%	+4.61%	-4.37	24 / 28	Q4
4Y	+0.99%	+4.95%	-3.96	19 / 24	Q4
5Y	+0.77%	+3.70%	-2.93	18 / 24	Q3
7Y	+2.67%	+5.16%	-2.50	17 / 24	Q3
10Y	+2.02%	+3.30%	-1.28	7 / 12	Q3
Inception	+2.03%	+4.99%	-2.96	26 / 31	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	-4.68%	-1.12%	-3.56	25 / 29
2025	-0.06%	+1.74%	-1.80	17 / 27
2024	+1.19%	+7.43%	-6.24	25 / 28
2023	+4.04%	+8.86%	-4.82	23 / 26
2022	-0.52%	-1.13%	+0.62	10 / 24
2021	+7.25%	+8.85%	-1.60	16 / 25
2020	+9.64%	+9.17%	+0.47	14 / 25
2019	-1.11%	+4.21%	-5.32	21 / 23
2018	-1.95%	-2.76%	+0.80	6 / 16
2017	+3.26%	+8.69%	-5.43	13 / 14
2016	+2.23%	+3.35%	-1.12	5 / 8

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

+2.33%

127 windows

min -12.3% · max 22.3%

69% positive

3-Year rolling

+2.55%

103 windows

min -3.5% · max 8.5%

93% positive

5-Year rolling

+2.92%

78 windows

min -0.8% · max 7.4%

97% positive

7-Year rolling

+2.70%

54 windows

min 2.4% · max 3.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

5.63%

3-year · annualised

Sharpe ratio

-1.08

vs risk-free 6.5%

Sortino ratio

-1.20

Downside-only deviation

Max drawdown

-8.98%

Mar 2025 → Mar 2026

% positive months

77.8%

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
SBI Equity Savings Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.9210	17 Jul 2026
Invesco India Equity Savings Fund - Regular Plan - IDCW (Payout / Reinvestment)	Invesco	₹16.7130	17 Jul 2026
BANDHAN Equity Savings Fund- Regular Plan -Quarterly IDCW	Bandhan	₹12.7090	17 Jul 2026
quant Equity Savings Fund - IDCW Option - Regular Plan	Quant	₹10.7655	17 Jul 2026
Aditya Birla Sun Life Equity Savings Fund - Regular - IDCW	Aditya Birla Sun Life	₹13.0900	17 Jul 2026
Mirae Asset Equity Savings Fund Regular IDCW	Mirae Asset	₹12.5660	17 Jul 2026
Kotak Equity Savings Fund - Regular - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹20.0642	17 Jul 2026
Edelweiss Equity Savings Fund - Regular Plan - IDCW Option	Edelweiss	₹18.3493	17 Jul 2026
DSP Equity Savings Fund - Regular Plan - IDCW	DSP	₹12.1960	17 Jul 2026
HSBC Equity Savings Fund - Regular Monthly IDCW	HSBC	₹15.5352	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹12.5650
16 Jul 2026	₹12.5490
15 Jul 2026	₹12.5490
14 Jul 2026	₹12.5420
13 Jul 2026	₹12.5520
10 Jul 2026	₹12.5530
9 Jul 2026	₹12.5370
8 Jul 2026	₹12.5270
7 Jul 2026	₹12.5740
6 Jul 2026	₹12.5660

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 - Regular Plan -Annual IDCW is ₹12.5650. It's a Equity Savings Fund from Bandhan, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BANDHAN Equity Savings Fund - Regular Plan -Annual IDCW has NAV history starting from 02 Mar 2015, a track record of about 11 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 Equity Savings Fund - Regular Plan -Annual 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 - Regular Plan -Annual IDCW has delivered a absolute return of -2.42% — -3.36 pp behind the Equity Savings Fund category average of 0.95%. The fund ranks #23 of 31 in its category — the third (Q3) quartile.

Over the trailing 3-year window, BANDHAN Equity Savings Fund - Regular Plan -Annual IDCW has delivered a CAGR of 0.24% — -4.37 pp behind the Equity Savings Fund category average of 4.61%. The fund ranks #24 of 28 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, BANDHAN Equity Savings Fund - Regular Plan -Annual IDCW has delivered a CAGR of 0.77% — -2.93 pp behind the Equity Savings Fund category average of 3.70%. The fund ranks #18 of 24 in its category — the third (Q3) quartile.

₹1 lakh invested in BANDHAN Equity Savings Fund - Regular Plan -Annual IDCW exactly 10 years ago would be worth approximately ₹122,126 today — a multiplier of 1.22×, based on the 10-year CAGR of 2.02%. The category average over the same window would have grown ₹1 lakh to ₹138,297.

A ₹10,000 monthly SIP in BANDHAN Equity Savings Fund - Regular Plan -Annual IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹594,919 today. That's an XIRR (money-weighted annualised return) of -0.33%.

A ₹10,000 monthly SIP for 10 years in BANDHAN Equity Savings Fund - Regular Plan -Annual IDCW = ₹1,200,000 invested. It would currently be worth ₹1,294,191 (multiplier 1.08×). XIRR: 1.49%. 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 - Regular Plan -Annual IDCW ranks #18 out of 24 funds in the Equity Savings Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.70%; this fund delivered 0.77%.

The worst peak-to-trough decline BANDHAN Equity Savings Fund - Regular Plan -Annual IDCW has experienced over the last 5-year window is 8.98% — its NAV fell from a high on 24 Mar 2025 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 - Regular Plan -Annual IDCW averaged 2.92% (best 7.38%, worst -0.84%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is -1.03 — negative risk-adjusted performance.

In calendar year 2025, BANDHAN Equity Savings Fund - Regular Plan -Annual IDCW returned -0.06% — lagging the Equity Savings Fund category average of 1.74% by 1.80 pp. It ranked #17 of 27 in its category that year.

BANDHAN Equity Savings Fund - Regular Plan -Annual 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 - Regular Plan -Annual 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: 9.0%. 5-year CAGR: 0.77%.

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