Should I invest in BANDHAN FINANCIAL SERVICES FUND?

We don't give personal investment advice. BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - 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.

Bandhan

BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - IDCW

Latest NAV

₹12.6860

As of

3 Jun 2026

706 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	-0.34%	+0.27%	-0.61	222 / 249	Q4
1W	-3.46%	-1.33%	-2.13	237 / 249	Q4
2W	-1.43%	-0.44%	-0.99	213 / 251	Q4
1M	-2.95%	-0.98%	-1.97	216 / 251	Q4
3M	-12.05%	+0.91%	-12.96	243 / 249	Q4
6M	-14.92%	-3.35%	-11.57	220 / 241	Q4
YTD	-14.99%	-3.40%	-11.59	224 / 241	Q4
1Y	-9.37%	+2.11%	-11.49	198 / 225	Q4
2Y	-0.22%	+1.79%	-2.00	108 / 181	Q3
3Y	+8.19%	+12.30%	-4.11	107 / 142	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.67%	+8.52%	+0.15	139 / 251	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	-14.99%	-2.64%	-12.35	222 / 237
2025	+5.19%	+1.49%	+3.70	66 / 204
2024	+20.26%	+20.10%	+0.16	73 / 158
2023	—	—	—	—

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

+10.93%

23 windows

min -9.4% · max 37.9%

83% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

—

Insufficient history

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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.

Peers in Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan	HDFC	₹15.9390	3 Jun 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹31.2458	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.7560	3 Jun 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹64.9400	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹13.3100	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹20.2732	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹29.4200	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.3281	3 Jun 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.3581	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹12.6860
2 Jun 2026	₹12.6850
1 Jun 2026	₹12.7280
31 May 2026	₹12.9000
29 May 2026	₹12.9000
27 May 2026	₹13.0660
26 May 2026	₹13.1390
25 May 2026	₹13.1780
22 May 2026	₹12.9480
21 May 2026	₹12.8620

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 03 Jun 2026, the NAV of BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - IDCW is ₹12.6860. It's a Sectoral/Thematic Fund from Bandhan, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - IDCW has NAV history starting from 31 Jul 2023, a track record of about 2 years 10 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - IDCW is managed by Bandhan. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - IDCW has delivered a absolute return of -9.37% — -11.49 pp behind the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #198 of 225 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - IDCW has delivered a CAGR of 8.19% — -4.11 pp behind the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #107 of 142 in its category — the bottom (Q4) quartile.

BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - IDCW doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - IDCW exactly 3 years ago would be worth approximately ₹126,647 today — a multiplier of 1.27×, based on the 3-year CAGR of 8.19%. The category average over the same window would have grown ₹1 lakh to ₹141,640.

A ₹10,000 monthly SIP in BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - IDCW over the last 1 year — total invested ₹120,000 — would be worth ₹108,833 today. That's an XIRR (money-weighted annualised return) of -16.74%.

BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - IDCW doesn't yet have 10 years of NAVs. Over the longest available window (1-year SIP), ₹10,000/month would have grown to ₹108,833 — XIRR -16.74%.

On a 3-year basis, BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - IDCW ranks #107 out of 142 funds in the Sectoral/Thematic Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 12.30%; this fund delivered 8.19%.

BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - IDCW doesn't have a computed drawdown figure yet.

Consistency stats for BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - IDCW need at least 3 years of NAVs to compute. They'll populate automatically once the fund has enough history.

In calendar year 2025, BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - IDCW returned 5.19% — beating the Sectoral/Thematic Fund category average of 1.49% by 3.70 pp. It ranked #66 of 204 in its category that year.

BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - 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 FINANCIAL SERVICES FUND - DIRECT PLAN - 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.

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

BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - IDCW

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Peers in Sectoral/Thematic Fund

Recent NAVs

Frequently asked questions

More from Bandhan