Should I invest in Bandhan Gilt Fund - Periodic IDCW?

We don't give personal investment advice. Bandhan Gilt Fund - Direct Plan - Periodic 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: 6.08%.

Bandhan

Bandhan Gilt Fund - Direct Plan - Periodic IDCW

Latest NAV

₹18.6917

As of

3 Jun 2026

2,601 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%	+0.06%	+0.03	13 / 48	Q2
1W	+0.12%	+0.18%	-0.06	25 / 48	Q3
2W	+0.58%	+0.60%	-0.02	30 / 48	Q3
1M	+0.91%	+0.25%	+0.66	7 / 48	Q1
3M	+2.03%	-0.44%	+2.47	6 / 48	Q1
6M	+2.88%	+0.24%	+2.64	4 / 48	Q1
YTD	+2.98%	+0.12%	+2.86	5 / 48	Q1
1Y	+2.21%	-1.18%	+3.39	8 / 48	Q1
2Y	+6.08%	+2.32%	+3.76	7 / 43	Q1
3Y	+7.09%	+2.92%	+4.17	5 / 41	Q1
4Y	+7.47%	+3.17%	+4.30	3 / 36	Q1
5Y	+6.08%	+2.31%	+3.76	2 / 33	Q1
7Y	+2.65%	+2.57%	+0.07	13 / 30	Q2
10Y	+4.56%	+2.99%	+1.58	11 / 27	Q2
Inception	+5.49%	+3.38%	+2.11	13 / 48	Q2

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%	-0.58%	+3.56	2 / 39
2025	+4.60%	+1.34%	+3.25	10 / 38
2024	+11.56%	+5.54%	+6.02	2 / 35
2023	+7.13%	+4.18%	+2.96	13 / 35
2022	+1.99%	+0.43%	+1.56	11 / 31
2021	-5.75%	-0.22%	-5.53	29 / 31
2020	-10.04%	+5.04%	-15.08	30 / 31
2019	+14.30%	+7.33%	+6.97	2 / 26
2018	+7.88%	+4.31%	+3.58	7 / 31
2017	—	—	—	—
2016	—	—	—	—

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

+4.61%

114 windows

min -14.3% · max 18.9%

75% positive

3-Year rolling

+4.05%

95 windows

min -5.2% · max 11.5%

82% positive

5-Year rolling

+3.44%

71 windows

min 0.0% · max 10.2%

100% positive

7-Year rolling

+3.42%

48 windows

min 2.4% · max 5.0%

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

4.28%

3-year · annualised

Sharpe ratio

0.11

vs risk-free 6.5%

Sortino ratio

0.26

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 - IDCW Option - Direct Plan	HDFC	₹12.9019	3 Jun 2026
NIPPON INDIA GILT FUND - Direct Plan - MONTHLY IDCW Option	Nippon India	₹11.5637	3 Jun 2026
SBI Gilt Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.7535	3 Jun 2026
ICICI Prudential Gilt Fund - Direct Plan - IDCW	ICICI Prudential	₹18.1300	3 Jun 2026
Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment)	Invesco	₹1,174.6952	3 Jun 2026
Bandhan Gilt Fund - Direct Plan - Annual IDCW	Bandhan	₹12.2891	3 Jun 2026
quant Gilt Fund - IDCW Option - Direct Plan	Quant	₹12.2696	3 Jun 2026
Aditya Birla Sun Life Govenment Securities Fund -DIRECT - Quarterly IDCW	Aditya Birla Sun Life	₹11.4114	3 Jun 2026
Franklin India Government Securities Fund - Direct - IDCW	Franklin India	₹11.8135	3 Jun 2026
Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct	Kotak	₹23.8598	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹18.6917
2 Jun 2026	₹18.7109
1 Jun 2026	₹18.6929
31 May 2026	₹18.6990
29 May 2026	₹18.6954
27 May 2026	₹18.6927
26 May 2026	₹18.6892
25 May 2026	₹18.6793
22 May 2026	₹18.6153
21 May 2026	₹18.6243

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 - Periodic IDCW is ₹18.6917. 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 - Periodic IDCW has NAV history starting from 16 Sep 2014, a track record of about 11 years 8 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 - Periodic 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 - Periodic IDCW has delivered a absolute return of 2.21% — +3.39 pp ahead of the Gilt Fund category average of -1.18%. The fund ranks #8 of 48 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Bandhan Gilt Fund - Direct Plan - Periodic IDCW has delivered a CAGR of 7.09% — +4.17 pp ahead of the Gilt Fund category average of 2.92%. The fund ranks #5 of 41 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Bandhan Gilt Fund - Direct Plan - Periodic IDCW has delivered a CAGR of 6.08% — +3.76 pp ahead of the Gilt Fund category average of 2.31%. The fund ranks #2 of 33 in its category — the top (Q1) quartile.

₹1 lakh invested in Bandhan Gilt Fund - Direct Plan - Periodic IDCW exactly 10 years ago would be worth approximately ₹156,263 today — a multiplier of 1.56×, based on the 10-year CAGR of 4.56%. The category average over the same window would have grown ₹1 lakh to ₹134,259.

A ₹10,000 monthly SIP in Bandhan Gilt Fund - Direct Plan - Periodic IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹710,383 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 - Periodic IDCW = ₹1,090,000 invested. It would currently be worth ₹1,346,531 (multiplier 1.24×). XIRR: 4.49%. 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 - Periodic IDCW ranks #2 out of 33 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 2.31%; this fund delivered 6.08%.

The worst peak-to-trough decline Bandhan Gilt Fund - Direct Plan - Periodic 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 - Periodic IDCW averaged 3.44% (best 10.17%, worst 0.03%). 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 - Periodic IDCW returned 4.60% — beating the Gilt Fund category average of 1.34% by 3.25 pp. It ranked #10 of 38 in its category that year.

Bandhan Gilt Fund - Direct Plan - Periodic 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 - Periodic 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: 6.08%.

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