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

We don't give personal investment advice. BANDHAN Equity Savings Fund- Regular Plan -Quarterly 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: 5.8%. 5-year CAGR: 1.38%.

Bandhan

BANDHAN Equity Savings Fund- Regular Plan -Quarterly IDCW

Latest NAV

₹12.7090

As of

17 Jul 2026

1,891 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%	0.00	21 / 31	Q3
1W	+0.10%	+0.10%	0.00	13 / 31	Q2
2W	+0.10%	+0.20%	-0.10	22 / 31	Q3
1M	-0.70%	+0.34%	-1.04	26 / 31	Q4
3M	+0.16%	+1.10%	-0.94	26 / 31	Q4
6M	-1.50%	-0.11%	-1.38	20 / 31	Q3
YTD	-1.57%	-0.61%	-0.96	20 / 31	Q3
1Y	-2.23%	+0.95%	-3.18	21 / 31	Q3
2Y	-1.13%	+1.43%	-2.56	20 / 29	Q3
3Y	+0.77%	+4.61%	-3.84	22 / 28	Q4
4Y	+1.53%	+4.95%	-3.42	17 / 24	Q3
5Y	+1.38%	+3.70%	-2.33	14 / 24	Q3
7Y	+3.13%	+5.16%	-2.03	16 / 24	Q3
10Y	—	—	—	—	—
Inception	+3.16%	+4.99%	-1.83	20 / 31	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	-1.57%	-1.12%	-0.46	18 / 29
2025	+0.71%	+1.74%	-1.03	14 / 27
2024	+1.30%	+7.43%	-6.14	24 / 28
2023	+4.14%	+8.86%	-4.72	22 / 26
2022	-1.06%	-1.13%	+0.07	12 / 24
2021	+8.88%	+8.85%	+0.03	12 / 25
2020	+9.01%	+9.17%	-0.16	15 / 25
2019	+1.88%	+4.21%	-2.33	15 / 23
2018	—	—	—	—

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

+3.71%

81 windows

min -9.3% · max 21.3%

80% positive

3-Year rolling

+4.06%

57 windows

min 0.8% · max 10.0%

100% positive

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

5-Year rolling

+4.14%

33 windows

min 1.4% · max 7.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+3.28%

8 windows

min 2.9% · max 3.9%

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

2.90%

3-year · annualised

Sharpe ratio

-1.96

vs risk-free 6.5%

Sortino ratio

-2.86

Downside-only deviation

Max drawdown

-5.76%

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
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 -Annual IDCW	Bandhan	₹12.5650	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	₹12.7090
16 Jul 2026	₹12.6920
15 Jul 2026	₹12.6920
14 Jul 2026	₹12.6850
13 Jul 2026	₹12.6960
10 Jul 2026	₹12.6960
9 Jul 2026	₹12.6800
8 Jul 2026	₹12.6700
7 Jul 2026	₹12.7180
6 Jul 2026	₹12.7090

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 -Quarterly IDCW is ₹12.7090. 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 -Quarterly IDCW has NAV history starting from 27 Nov 2018, a track record of about 7 years 7 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 -Quarterly 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 -Quarterly IDCW has delivered a absolute return of -2.23% — -3.18 pp behind the Equity Savings Fund category average of 0.95%. The fund ranks #21 of 31 in its category — the third (Q3) quartile.

Over the trailing 3-year window, BANDHAN Equity Savings Fund- Regular Plan -Quarterly IDCW has delivered a CAGR of 0.77% — -3.84 pp behind the Equity Savings Fund category average of 4.61%. The fund ranks #22 of 28 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, BANDHAN Equity Savings Fund- Regular Plan -Quarterly IDCW has delivered a CAGR of 1.38% — -2.33 pp behind the Equity Savings Fund category average of 3.70%. The fund ranks #14 of 24 in its category — the third (Q3) quartile.

₹1 lakh invested in BANDHAN Equity Savings Fund- Regular Plan -Quarterly IDCW exactly 5 years ago would be worth approximately ₹107,068 today — a multiplier of 1.07×, based on the 5-year CAGR of 1.38%. The category average over the same window would have grown ₹1 lakh to ₹119,934.

A ₹10,000 monthly SIP in BANDHAN Equity Savings Fund- Regular Plan -Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹606,622 today. That's an XIRR (money-weighted annualised return) of 0.43%.

BANDHAN Equity Savings Fund- Regular Plan -Quarterly IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹895,031 — XIRR 1.79%.

On a 5-year basis, BANDHAN Equity Savings Fund- Regular Plan -Quarterly IDCW ranks #14 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 1.38%.

The worst peak-to-trough decline BANDHAN Equity Savings Fund- Regular Plan -Quarterly IDCW has experienced over the last 5-year window is 5.76% — 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- Regular Plan -Quarterly IDCW averaged 4.14% (best 7.48%, worst 1.38%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.59 — negative risk-adjusted performance.

In calendar year 2025, BANDHAN Equity Savings Fund- Regular Plan -Quarterly IDCW returned 0.71% — lagging the Equity Savings Fund category average of 1.74% by 1.03 pp. It ranked #14 of 27 in its category that year.

BANDHAN Equity Savings Fund- Regular Plan -Quarterly 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 -Quarterly 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: 5.8%. 5-year CAGR: 1.38%.

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 -Quarterly IDCW

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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