Should I invest in Bandhan Gilt Fund?

We don't give personal investment advice. Bandhan Gilt Fund - Direct Plan - Growth is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.1%. 5-year CAGR: 6.08%.

Bandhan

Bandhan Gilt Fund - Direct Plan - Growth

Latest NAV

₹39.4902

As of

3 Jun 2026

3,245 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	+0.10%	+0.07%	+0.03	5 / 28	Q1
1W	+0.12%	+0.11%	+0.01	14 / 28	Q2
2W	+0.58%	+0.47%	+0.11	14 / 28	Q2
1M	+0.91%	+0.06%	+0.84	1 / 28	Q1
3M	+2.03%	-0.31%	+2.34	2 / 28	Q1
6M	+2.88%	+0.69%	+2.20	1 / 28	Q1
YTD	+2.98%	+0.17%	+2.81	1 / 28	Q1
1Y	+2.21%	-0.15%	+2.36	4 / 28	Q1
2Y	+6.08%	+5.18%	+0.90	5 / 26	Q1
3Y	+7.09%	+6.21%	+0.87	4 / 26	Q1
4Y	+7.47%	+6.93%	+0.54	5 / 23	Q1
5Y	+6.08%	+5.79%	+0.29	5 / 23	Q1
7Y	+7.45%	+6.63%	+0.82	2 / 20	Q1
10Y	+8.08%	+7.31%	+0.78	1 / 19	Q1
Inception	+8.55%	+7.03%	+1.52	3 / 28	Q1

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	+2.98%	+0.07%	+2.91	1 / 25
2025	+4.60%	+4.92%	-0.32	16 / 24
2024	+11.56%	+9.80%	+1.75	1 / 23
2023	+7.13%	+7.39%	-0.26	16 / 23
2022	+1.99%	+3.07%	-1.08	20 / 20
2021	+2.61%	+3.02%	-0.41	13 / 20
2020	+13.82%	+11.78%	+2.04	3 / 20
2019	+14.30%	+11.76%	+2.54	1 / 20
2018	+8.42%	+6.33%	+2.08	6 / 23
2017	+3.14%	+2.44%	+0.70	10 / 23
2016	+14.36%	+16.47%	-2.12	17 / 21

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

+8.69%

152 windows

min -1.4% · max 19.2%

98% positive

3-Year rolling

+8.65%

127 windows

min 3.7% · max 13.6%

100% positive

5-Year rolling

+8.54%

103 windows

min 5.4% · max 11.3%

100% positive

7-Year rolling

+8.90%

79 windows

min 7.2% · max 11.2%

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

4.28%

3-year · annualised

Sharpe ratio

0.11

vs risk-free 6.5%

Sortino ratio

0.27

Downside-only deviation

Max drawdown

-4.08%

May 2025 → Aug 2025

% positive months

69.4%

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 Gilt Fund

Scheme	Fund house	NAV	As of
HDFC Gilt Fund - Growth Option - Direct Plan	HDFC	₹58.9314	3 Jun 2026
Nippon India Gilt Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹43.1241	3 Jun 2026
SBI GILT FUND - DIRECT PLAN - GROWTH	SBI	₹71.2927	3 Jun 2026
ICICI Prudential Gilt Fund - Direct Plan - Growth	ICICI Prudential	₹113.6082	3 Jun 2026
Invesco India Gilt Fund - Direct Plan - Growth	Invesco	₹3,136.7839	3 Jun 2026
quant Gilt Fund - Growth Option - Direct Plan	Quant	₹12.2761	3 Jun 2026
Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹86.1209	3 Jun 2026
Franklin India Government Securities Fund - Direct - Growth	Franklin India	₹66.2016	3 Jun 2026
Kotak Gilt-Investment Provident Fund and Trust-Growth - Direct	Kotak	₹111.0559	3 Jun 2026
Edelweiss Government Securities Fund - Direct Plan - Growth Option	Edelweiss	₹26.0662	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹39.4902
2 Jun 2026	₹39.5308
1 Jun 2026	₹39.4928
31 May 2026	₹39.5057
29 May 2026	₹39.4982
27 May 2026	₹39.4924
26 May 2026	₹39.4850
25 May 2026	₹39.4640
22 May 2026	₹39.3288
21 May 2026	₹39.3480

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 Gilt Fund - Direct Plan - Growth is ₹39.4902. It's a Gilt Fund from Bandhan, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Bandhan Gilt Fund - Direct Plan - Growth has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 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 Gilt Fund - Direct Plan - Growth is managed by Bandhan. It's classified by AMFI under the 'Gilt Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Bandhan Gilt Fund - Direct Plan - Growth has delivered a absolute return of 2.21% — +2.36 pp ahead of the Gilt Fund category average of -0.15%. The fund ranks #4 of 28 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Bandhan Gilt Fund - Direct Plan - Growth has delivered a CAGR of 7.09% — +0.87 pp ahead of the Gilt Fund category average of 6.21%. The fund ranks #4 of 26 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Bandhan Gilt Fund - Direct Plan - Growth has delivered a CAGR of 6.08% — +0.29 pp ahead of the Gilt Fund category average of 5.79%. The fund ranks #5 of 23 in its category — the top (Q1) quartile.

₹1 lakh invested in Bandhan Gilt Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹217,547 today — a multiplier of 2.18×, based on the 10-year CAGR of 8.08%. The category average over the same window would have grown ₹1 lakh to ₹202,416.

A ₹10,000 monthly SIP in Bandhan Gilt Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹710,388 today. That's an XIRR (money-weighted annualised return) of 6.68%.

A ₹10,000 monthly SIP for 10 years in Bandhan Gilt Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,745,699 (multiplier 1.45×). XIRR: 7.28%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Bandhan Gilt Fund - Direct Plan - Growth ranks #5 out of 23 funds in the Gilt Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 5.79%; this fund delivered 6.08%.

The worst peak-to-trough decline Bandhan Gilt Fund - Direct Plan - Growth has experienced over the last 5-year window is 4.08% — its NAV fell from a high on 28 May 2025 to a low on 29 Aug 2025. 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 Gilt Fund - Direct Plan - Growth averaged 8.54% (best 11.30%, worst 5.40%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.13 — negative risk-adjusted performance.

In calendar year 2025, Bandhan Gilt Fund - Direct Plan - Growth returned 4.60% — lagging the Gilt Fund category average of 4.92% by 0.32 pp. It ranked #16 of 24 in its category that year.

Bandhan Gilt Fund - Direct Plan - Growth is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. Bandhan Gilt Fund - Direct Plan - Growth is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.1%. 5-year CAGR: 6.08%.

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

Bandhan Gilt Fund - Direct Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Gilt Fund

Recent NAVs

Frequently asked questions

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