Should I invest in Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW?

We don't give personal investment advice. Bandhan Gilt Fund - Regular - Plan B - Half Yearly 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: 7.1%. 5-year CAGR: 1.06%.

Bandhan

Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW

Latest NAV

₹11.7111

As of

17 Jul 2026

3,042 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	-0.26%	-0.21%	-0.04	24 / 26	Q4
1W	-0.75%	-0.52%	-0.24	26 / 26	Q4
2W	-0.74%	-0.46%	-0.28	23 / 26	Q4
1M	+1.86%	+1.28%	+0.58	8 / 26	Q2
3M	+3.64%	+2.25%	+1.39	2 / 26	Q1
6M	+4.14%	+2.35%	+1.79	2 / 26	Q1
YTD	+4.09%	+1.93%	+2.16	2 / 25	Q1
1Y	+3.70%	+1.27%	+2.43	2 / 25	Q1
2Y	+2.09%	+3.07%	-0.98	16 / 23	Q3
3Y	+1.57%	+3.80%	-2.23	16 / 23	Q3
4Y	+2.36%	+4.34%	-1.98	16 / 22	Q3
5Y	+1.06%	+3.32%	-2.26	13 / 19	Q3
7Y	+0.01%	+2.66%	-2.65	15 / 19	Q4
10Y	+0.59%	+3.01%	-2.42	10 / 14	Q3
Inception	+1.17%	+3.08%	-1.90	19 / 26	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	+4.09%	+1.93%	+2.16	2 / 25
2025	+2.82%	+2.10%	+0.72	15 / 24
2024	-0.74%	+6.37%	-7.11	23 / 23
2023	+1.23%	+4.50%	-3.27	19 / 24
2022	-0.14%	+0.99%	-1.13	15 / 19
2021	-1.79%	-0.38%	-1.42	15 / 19
2020	+0.04%	+3.90%	-3.86	13 / 19
2019	-1.59%	+5.60%	-7.19	17 / 19
2018	+7.73%	+4.05%	+3.68	1 / 19
2017	-5.35%	-1.74%	-3.61	16 / 19
2016	+3.88%	+8.76%	-4.88	11 / 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

+0.83%

133 windows

min -6.4% · max 10.6%

57% positive

3-Year rolling

+0.62%

117 windows

min -2.9% · max 3.7%

73% positive

5-Year rolling

+0.43%

94 windows

min -1.1% · max 2.4%

70% positive

7-Year rolling

+0.58%

70 windows

min -0.5% · max 2.5%

91% 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

6.48%

3-year · annualised

Sharpe ratio

-0.72

vs risk-free 6.5%

Sortino ratio

-0.87

Downside-only deviation

Max drawdown

-7.06%

Mar 2024 → Apr 2024

% 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
SBI MGLT- GROWTH - PF (Regular) Option	SBI	₹43.9023	17 Jul 2026
Bandhan Gilt Fund - Regular Plan - Annual IDCW	Bandhan	₹11.5946	17 Jul 2026
quant Gilt Fund - IDCW Option - Regular Plan	Quant	₹12.1483	17 Jul 2026
Kotak Gilt-Investment Regular-Dividend	Kotak Mahindra	₹19.0286	17 Jul 2026
Edelweiss Government Securities Fund - Regular Plan - Annual - IDCW Option	Edelweiss	₹25.0948	17 Jul 2026
HSBC Gilt Fund - Regular Quarterly IDCW	HSBC	₹10.2431	17 Jul 2026
Axis Gilt Fund - Regular Plan - Half Yearly IDCW	Axis	₹12.0962	17 Jul 2026
Bajaj Finserv Gilt Fund - Regular - IDCW	Bajaj Finserv	₹1,063.8837	17 Jul 2026
Groww Gilt Fund - Regular - IDCW	Groww	₹9.8921	17 Jul 2026
LIC MF Govt Securities Fund-Regular Plan (D)	LIC	₹17.4277	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹11.7111
16 Jul 2026	₹11.7411
15 Jul 2026	₹11.7211
14 Jul 2026	₹11.6981
13 Jul 2026	₹11.7861
10 Jul 2026	₹11.7999
9 Jul 2026	₹11.7648
8 Jul 2026	₹11.7479
7 Jul 2026	₹11.8075
6 Jul 2026	₹11.8165

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 - Regular - Plan B - Half Yearly IDCW is ₹11.7111. 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 B - Half Yearly IDCW has NAV history starting from 22 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 - Regular - Plan B - Half Yearly 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 B - Half Yearly IDCW has delivered a absolute return of 3.70% — +2.43 pp ahead of the Gilt Fund category average of 1.27%. The fund ranks #2 of 25 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW has delivered a CAGR of 1.57% — -2.23 pp behind the Gilt Fund category average of 3.80%. The fund ranks #16 of 23 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW has delivered a CAGR of 1.06% — -2.26 pp behind the Gilt Fund category average of 3.32%. The fund ranks #13 of 19 in its category — the third (Q3) quartile.

₹1 lakh invested in Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW exactly 10 years ago would be worth approximately ₹106,101 today — a multiplier of 1.06×, based on the 10-year CAGR of 0.59%. The category average over the same window would have grown ₹1 lakh to ₹134,535.

A ₹10,000 monthly SIP in Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹634,753 today. That's an XIRR (money-weighted annualised return) of 2.22%.

A ₹10,000 monthly SIP for 10 years in Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,273,026 (multiplier 1.06×). XIRR: 1.17%. 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 B - Half Yearly IDCW ranks #13 out of 19 funds in the Gilt Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.32%; this fund delivered 1.06%.

The worst peak-to-trough decline Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW has experienced over the last 5-year window is 7.06% — 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 B - Half Yearly IDCW averaged 0.43% (best 2.41%, worst -1.12%). 70% of rolling windows ended positive. The 5-year Sharpe ratio is -0.93 — negative risk-adjusted performance.

In calendar year 2025, Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW returned 2.82% — beating the Gilt Fund category average of 2.10% by 0.72 pp. It ranked #15 of 24 in its category that year.

Bandhan Gilt Fund - Regular - Plan B - Half Yearly 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 B - Half Yearly 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: 7.1%. 5-year CAGR: 1.06%.

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