Should I invest in Bandhan Gilt Fund?

We don't give personal investment advice. Bandhan Gilt Fund - Direct Plan - IDCW 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: 6.67%.

Bandhan

Bandhan Gilt Fund - Direct Plan - IDCW

Latest NAV

₹15.7634

As of

17 Jul 2026

3,275 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	-0.25%	-0.15%	-0.10	39 / 48	Q4
1W	-0.74%	-0.27%	-0.47	45 / 48	Q4
2W	-0.72%	-0.20%	-0.52	45 / 48	Q4
1M	+1.92%	+0.99%	+0.92	9 / 48	Q1
3M	+3.80%	+2.06%	+1.74	4 / 48	Q1
6M	+6.53%	+2.31%	+4.22	3 / 48	Q1
YTD	+6.50%	+1.92%	+4.58	2 / 48	Q1
1Y	+6.93%	+1.58%	+5.35	3 / 48	Q1
2Y	+7.19%	+2.94%	+4.25	7 / 44	Q1
3Y	+8.18%	+3.59%	+4.59	5 / 41	Q1
4Y	+8.04%	+3.63%	+4.41	2 / 38	Q1
5Y	+6.67%	+2.73%	+3.94	3 / 34	Q1
7Y	+2.04%	+2.36%	-0.32	14 / 30	Q2
10Y	+3.22%	+3.01%	+0.20	13 / 27	Q2
Inception	+2.30%	+3.62%	-1.32	25 / 48	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	+6.50%	+1.64%	+4.87	1 / 39
2025	+4.60%	+1.34%	+3.25	11 / 38
2024	+11.56%	+5.54%	+6.02	1 / 35
2023	+7.13%	+4.18%	+2.95	14 / 35
2022	+1.99%	+0.43%	+1.56	12 / 31
2021	-5.76%	-0.22%	-5.54	30 / 31
2020	-12.53%	+5.04%	-17.56	31 / 31
2019	+14.30%	+7.33%	+6.97	1 / 26
2018	+8.42%	+4.31%	+4.11	5 / 31
2017	-8.50%	-0.85%	-7.64	32 / 33
2016	+9.38%	+9.36%	+0.02	16 / 31

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

+2.24%

153 windows

min -17.2% · max 17.9%

69% positive

3-Year rolling

+1.83%

129 windows

min -6.3% · max 9.1%

68% positive

5-Year rolling

+1.36%

105 windows

min -1.4% · max 6.7%

78% positive

7-Year rolling

+1.30%

80 windows

min -1.5% · max 3.9%

80% 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

3.77%

3-year · annualised

Sharpe ratio

0.40

vs risk-free 6.5%

Sortino ratio

0.79

Downside-only deviation

Max drawdown

-4.08%

May 2025 → Aug 2025

% 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 Gilt Fund

Scheme	Fund house	NAV	As of
HDFC Gilt Fund - IDCW Option - Direct Plan	HDFC	₹13.0890	17 Jul 2026
NIPPON INDIA GILT FUND - Direct Plan - MONTHLY IDCW Option	Nippon India	₹11.7233	17 Jul 2026
SBI Gilt Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹23.2275	17 Jul 2026
ICICI Prudential Gilt Fund - Direct Plan - IDCW	ICICI Prudential	₹18.6860	17 Jul 2026
Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment)	Invesco	₹1,218.5847	17 Jul 2026
Bandhan Gilt Fund - Direct Plan - Annual IDCW	Bandhan	₹12.7227	17 Jul 2026
quant Gilt Fund - IDCW Option - Direct Plan	Quant	₹12.5478	17 Jul 2026
Aditya Birla Sun Life Govenment Securities Fund -DIRECT - Quarterly IDCW	Aditya Birla Sun Life	₹11.6482	17 Jul 2026
Franklin India Government Securities Fund - Direct - IDCW	Franklin India	₹11.8904	17 Jul 2026
Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct	Kotak	₹24.5773	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹15.7634
16 Jul 2026	₹15.8034
15 Jul 2026	₹15.7763
14 Jul 2026	₹15.7451
13 Jul 2026	₹15.8633
10 Jul 2026	₹15.8810
9 Jul 2026	₹15.8335
8 Jul 2026	₹15.8106
7 Jul 2026	₹15.8904
6 Jul 2026	₹15.9023

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 Gilt Fund - Direct Plan - IDCW is ₹15.7634. It's a Gilt Fund from Bandhan, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Bandhan Gilt Fund - Direct Plan - IDCW has NAV history starting from 03 Jan 2013, a track record of about 13 years 6 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 - IDCW 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 - IDCW has delivered a absolute return of 6.93% — +5.35 pp ahead of the Gilt Fund category average of 1.58%. The fund ranks #3 of 48 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Bandhan Gilt Fund - Direct Plan - IDCW has delivered a CAGR of 8.18% — +4.59 pp ahead of the Gilt Fund category average of 3.59%. The fund ranks #5 of 41 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Bandhan Gilt Fund - Direct Plan - IDCW has delivered a CAGR of 6.67% — +3.94 pp ahead of the Gilt Fund category average of 2.73%. The fund ranks #3 of 34 in its category — the top (Q1) quartile.

₹1 lakh invested in Bandhan Gilt Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹137,225 today — a multiplier of 1.37×, based on the 10-year CAGR of 3.22%. The category average over the same window would have grown ₹1 lakh to ₹134,548.

A ₹10,000 monthly SIP in Bandhan Gilt Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹729,096 today. That's an XIRR (money-weighted annualised return) of 7.73%.

A ₹10,000 monthly SIP for 10 years in Bandhan Gilt Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,510,713 (multiplier 1.26×). XIRR: 4.50%. 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 - IDCW ranks #3 out of 34 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 2.73%; this fund delivered 6.67%.

The worst peak-to-trough decline Bandhan Gilt Fund - Direct Plan - IDCW 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 - IDCW averaged 1.36% (best 6.67%, worst -1.41%). 78% of rolling windows ended positive. The 5-year Sharpe ratio is 0.02 — weak risk-adjusted performance.

In calendar year 2025, Bandhan Gilt Fund - Direct Plan - IDCW returned 4.60% — beating the Gilt Fund category average of 1.34% by 3.25 pp. It ranked #11 of 38 in its category that year.

Bandhan Gilt Fund - Direct Plan - IDCW 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 - IDCW 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: 6.67%.

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