Should I invest in Bandhan Gilt Fund - Annual IDCW?

We don't give personal investment advice. Bandhan Gilt Fund - Regular Plan - Annual 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: 9.7%. 5-year CAGR: 0.40%.

Bandhan

Bandhan Gilt Fund - Regular Plan - Annual IDCW

Latest NAV

₹11.2078

As of

3 Jun 2026

3,260 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%	+0.04	6 / 26	Q1
1W	+0.10%	+0.06%	+0.05	7 / 26	Q2
2W	+0.56%	+0.55%	+0.00	13 / 26	Q2
1M	+0.86%	+0.05%	+0.81	1 / 26	Q1
3M	-0.74%	-1.14%	+0.40	8 / 26	Q2
6M	-0.07%	-0.33%	+0.26	11 / 25	Q2
YTD	+0.08%	-0.73%	+0.81	6 / 25	Q1
1Y	-1.03%	-2.55%	+1.51	6 / 25	Q1
2Y	+0.72%	+2.01%	-1.29	18 / 23	Q4
3Y	+0.36%	+2.92%	-2.56	18 / 23	Q4
4Y	+1.68%	+3.75%	-2.07	16 / 20	Q4
5Y	+0.40%	+2.75%	-2.34	15 / 19	Q4
7Y	+0.15%	+2.73%	-2.58	16 / 19	Q4
10Y	+0.56%	+2.95%	-2.39	10 / 14	Q3
Inception	+0.86%	+2.75%	-1.89	20 / 26	Q4

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	+0.08%	-0.73%	+0.81	6 / 25
2025	-2.62%	+2.10%	-4.73	23 / 24
2024	+1.88%	+6.37%	-4.49	18 / 23
2023	+4.26%	+4.50%	-0.24	16 / 24
2022	-3.29%	+0.99%	-4.28	18 / 19
2021	-5.64%	-0.38%	-5.26	17 / 19
2020	-0.48%	+3.90%	-4.38	16 / 19
2019	+3.93%	+5.60%	-1.66	12 / 19
2018	+7.38%	+4.05%	+3.34	5 / 19
2017	-8.91%	-1.74%	-7.17	19 / 19
2016	+9.52%	+8.76%	+0.77	7 / 15

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

+0.81%

153 windows

min -9.2% · max 12.9%

54% positive

3-Year rolling

+0.69%

128 windows

min -3.7% · max 5.0%

74% positive

5-Year rolling

+0.49%

104 windows

min -1.4% · max 2.7%

63% positive

7-Year rolling

+0.67%

80 windows

min -0.6% · max 2.3%

84% 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

6.67%

3-year · annualised

Sharpe ratio

-0.89

vs risk-free 6.5%

Sortino ratio

-1.06

Downside-only deviation

Max drawdown

-9.68%

Mar 2024 → Apr 2024

% positive months

61.1%

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
SBI MGLT- GROWTH - PF (Regular) Option	SBI	₹43.0318	3 Jun 2026
Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW	Bandhan	₹11.3204	3 Jun 2026
quant Gilt Fund - IDCW Option - Regular Plan	Quant	₹11.8918	3 Jun 2026
Kotak Gilt-Investment Regular-Dividend	Kotak Mahindra	₹18.4955	3 Jun 2026
Edelweiss Government Securities Fund - Regular Plan - Annual - IDCW Option	Edelweiss	₹24.3641	3 Jun 2026
HSBC Gilt Fund - Regular Quarterly IDCW	HSBC	₹10.1535	3 Jun 2026
Axis Gilt Fund - Regular Plan - Half Yearly IDCW	Axis	₹11.7534	3 Jun 2026
Bajaj Finserv Gilt Fund - Regular - IDCW	Bajaj Finserv	₹1,032.1024	3 Jun 2026
Groww Gilt Fund - Regular - IDCW	Groww	₹9.7459	3 Jun 2026
LIC MF Govt Securities Fund-Regular Plan (D)	LIC	₹16.8824	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹11.2078
2 Jun 2026	₹11.2196
1 Jun 2026	₹11.2089
31 May 2026	₹11.2128
29 May 2026	₹11.2110
27 May 2026	₹11.2098
26 May 2026	₹11.2079
25 May 2026	₹11.2021
22 May 2026	₹11.1643
21 May 2026	₹11.1699

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 - Regular Plan - Annual IDCW is ₹11.2078. It's a Gilt Fund from Bandhan, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Bandhan Gilt Fund - Regular Plan - Annual IDCW has NAV history starting from 11 Dec 2012, 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 - Regular Plan - Annual 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 - Regular Plan - Annual IDCW has delivered a absolute return of -1.03% — +1.51 pp ahead of the Gilt Fund category average of -2.55%. The fund ranks #6 of 25 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Bandhan Gilt Fund - Regular Plan - Annual IDCW has delivered a CAGR of 0.36% — -2.56 pp behind the Gilt Fund category average of 2.92%. The fund ranks #18 of 23 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Bandhan Gilt Fund - Regular Plan - Annual IDCW has delivered a CAGR of 0.40% — -2.34 pp behind the Gilt Fund category average of 2.75%. The fund ranks #15 of 19 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Bandhan Gilt Fund - Regular Plan - Annual IDCW exactly 10 years ago would be worth approximately ₹105,739 today — a multiplier of 1.06×, based on the 10-year CAGR of 0.56%. The category average over the same window would have grown ₹1 lakh to ₹133,732.

A ₹10,000 monthly SIP in Bandhan Gilt Fund - Regular Plan - Annual IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹605,961 today. That's an XIRR (money-weighted annualised return) of 0.39%.

A ₹10,000 monthly SIP for 10 years in Bandhan Gilt Fund - Regular Plan - Annual IDCW = ₹1,200,000 invested. It would currently be worth ₹1,206,786 (multiplier 1.01×). XIRR: 0.11%. 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 - Regular Plan - Annual IDCW ranks #15 out of 19 funds in the Gilt Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.75%; this fund delivered 0.40%.

The worst peak-to-trough decline Bandhan Gilt Fund - Regular Plan - Annual IDCW has experienced over the last 5-year window is 9.68% — its NAV fell from a high on 11 Mar 2024 to a low on 19 Apr 2024. 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 - Regular Plan - Annual IDCW averaged 0.49% (best 2.70%, worst -1.37%). 63% of rolling windows ended positive. The 5-year Sharpe ratio is -1.03 — negative risk-adjusted performance.

In calendar year 2025, Bandhan Gilt Fund - Regular Plan - Annual IDCW returned -2.62% — lagging the Gilt Fund category average of 2.10% by 4.73 pp. It ranked #23 of 24 in its category that year.

Bandhan Gilt Fund - Regular Plan - Annual 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 - Regular Plan - Annual 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: 9.7%. 5-year CAGR: 0.40%.

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