Should I invest in BANDHAN Equity Savings Fund?

We don't give personal investment advice. BANDHAN Equity Savings Fund - Regular Plan - Growth 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: 3.8%. 5-year CAGR: 6.26%.

IDFC

BANDHAN Equity Savings Fund - Regular Plan - Growth

Latest NAV

₹32.3980

As of

24 Jul 2026

4,466 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	-0.07%	-0.07%	0.00	4 / 10	Q2
1W	-0.06%	-0.29%	+0.23	4 / 10	Q2
2W	+0.04%	-0.17%	+0.21	3 / 10	Q2
1M	+0.64%	+0.21%	+0.43	2 / 10	Q1
3M	+1.99%	+1.02%	+0.96	1 / 10	Q1
6M	+1.90%	+0.83%	+1.07	2 / 10	Q1
YTD	+1.41%	-0.13%	+1.54	1 / 10	Q1
1Y	+3.79%	+2.46%	+1.34	2 / 10	Q1
2Y	+4.69%	+2.33%	+2.37	3 / 10	Q2
3Y	+6.54%	+4.67%	+1.87	5 / 10	Q2
4Y	+6.97%	+5.49%	+1.48	7 / 10	Q3
5Y	+6.26%	+4.79%	+1.47	6 / 9	Q3
7Y	+7.13%	+4.71%	+2.42	3 / 8	Q2
10Y	+6.34%	+4.71%	+1.63	3 / 6	Q2
Inception	+6.69%	+5.50%	+1.19	6 / 10	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	+1.41%	-0.22%	+1.63	1 / 8
2025	+6.28%	+2.43%	+3.85	2 / 8
2024	+7.59%	+7.77%	-0.18	6 / 8
2023	+9.49%	+9.92%	-0.42	6 / 8
2022	+2.49%	+3.24%	-0.75	7 / 8
2021	+10.05%	+10.57%	-0.51	5 / 7
2020	+9.62%	+3.06%	+6.56	1 / 7
2019	+5.01%	+2.80%	+2.21	3 / 7
2018	+3.09%	+1.31%	+1.78	2 / 6
2017	+4.71%	+8.80%	-4.08	5 / 7
2016	+7.34%	+4.88%	+2.45	2 / 6

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

+6.77%

209 windows

min -8.0% · max 32.5%

98% positive

3-Year rolling

+6.89%

185 windows

min 0.2% · max 10.5%

100% positive

5-Year rolling

+6.87%

160 windows

min 2.6% · max 10.9%

100% positive

7-Year rolling

+6.67%

136 windows

min 4.2% · max 7.6%

100% 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

2.08%

3-year · annualised

Sharpe ratio

-0.05

vs risk-free 6.5%

Sortino ratio

-0.09

Downside-only deviation

Max drawdown

-2.39%

Jan 2026 → Mar 2026

% 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 Equity Savings Fund

Scheme	Fund house	NAV	As of
Nippon India Equity Savings Fund - Segregated Portfolio 2 - Growth Plan - Bonus Option	Nippon India	₹0.0000	24 Jul 2026
ICICI Prudential Equity Savings Fund - Cumulative option	ICICI Prudential	₹23.2100	24 Jul 2026
Franklin India Equity Savings Fund- Growth	Franklin India	₹16.9058	24 Jul 2026
PGIM India Equity Savings Fund - Growth Option	PGIM India	₹50.8201	24 Jul 2026
BANDHAN Equity Savings Fund - Regular Plan - Monthly IDCW	IDFC	₹10.9070	24 Jul 2026
Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund) - Growth Option	Sundaram	₹70.4243	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹32.3980
23 Jul 2026	₹32.4220
22 Jul 2026	₹32.4390
21 Jul 2026	₹32.4570
20 Jul 2026	₹32.4330
17 Jul 2026	₹32.4160
16 Jul 2026	₹32.3730
15 Jul 2026	₹32.3720
14 Jul 2026	₹32.3540
13 Jul 2026	₹32.3820

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 Equity Savings Fund - Regular Plan - Growth is ₹32.3980. It's a Equity Savings Fund from IDFC, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

BANDHAN Equity Savings Fund - Regular Plan - Growth has NAV history starting from 10 Jun 2008, a track record of about 18 years 1 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 Equity Savings Fund - Regular Plan - Growth is managed by IDFC. 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 - Growth has delivered a absolute return of 3.79% — +1.34 pp ahead of the Equity Savings Fund category average of 2.46%. The fund ranks #2 of 10 in its category — the top (Q1) quartile.

Over the trailing 3-year window, BANDHAN Equity Savings Fund - Regular Plan - Growth has delivered a CAGR of 6.54% — +1.87 pp ahead of the Equity Savings Fund category average of 4.67%. The fund ranks #5 of 10 in its category — the second (Q2) quartile.

Over the trailing 5-year window, BANDHAN Equity Savings Fund - Regular Plan - Growth has delivered a CAGR of 6.26% — +1.47 pp ahead of the Equity Savings Fund category average of 4.79%. The fund ranks #6 of 9 in its category — the third (Q3) quartile.

₹1 lakh invested in BANDHAN Equity Savings Fund - Regular Plan - Growth exactly 10 years ago would be worth approximately ₹184,880 today — a multiplier of 1.85×, based on the 10-year CAGR of 6.34%. The category average over the same window would have grown ₹1 lakh to ₹158,395.

A ₹10,000 monthly SIP in BANDHAN Equity Savings Fund - Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹702,109 today. That's an XIRR (money-weighted annualised return) of 6.22%.

A ₹10,000 monthly SIP for 10 years in BANDHAN Equity Savings Fund - Regular Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,690,300 (multiplier 1.41×). XIRR: 6.66%. 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 - Growth ranks #6 out of 9 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 4.79%; this fund delivered 6.26%.

The worst peak-to-trough decline BANDHAN Equity Savings Fund - Regular Plan - Growth has experienced over the last 5-year window is 3.78% — its NAV fell from a high on 17 Jan 2022 to a low on 17 Jun 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 Equity Savings Fund - Regular Plan - Growth averaged 6.87% (best 10.92%, worst 2.57%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.16 — negative risk-adjusted performance.

In calendar year 2025, BANDHAN Equity Savings Fund - Regular Plan - Growth returned 6.28% — beating the Equity Savings Fund category average of 2.43% by 3.85 pp. It ranked #2 of 8 in its category that year.

BANDHAN Equity Savings Fund - Regular Plan - Growth 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 - Growth 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: 3.8%. 5-year CAGR: 6.26%.

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

BANDHAN Equity Savings Fund - Regular Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Equity Savings Fund

Recent NAVs

Frequently asked questions

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