Should I invest in Bandhan Gilt Fund B - Periodic IDCW?

We don't give personal investment advice. Bandhan Gilt Fund - Regular Plan B - 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: 4.2%. 5-year CAGR: 6.01%.

Bandhan

Bandhan Gilt Fund - Regular Plan B - Periodic IDCW

Latest NAV

₹17.6501

As of

17 Jul 2026

2,613 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%	-0.21%	-0.04	21 / 26	Q4
1W	-0.75%	-0.52%	-0.24	24 / 26	Q4
2W	-0.74%	-0.46%	-0.28	22 / 26	Q4
1M	+1.86%	+1.28%	+0.58	6 / 26	Q1
3M	+3.64%	+2.25%	+1.39	1 / 26	Q1
6M	+6.20%	+2.35%	+3.85	1 / 26	Q1
YTD	+6.15%	+1.93%	+4.22	1 / 25	Q1
1Y	+6.27%	+1.27%	+5.00	1 / 25	Q1
2Y	+6.53%	+3.07%	+3.45	1 / 23	Q1
3Y	+7.51%	+3.80%	+3.71	1 / 23	Q1
4Y	+7.37%	+4.34%	+3.04	1 / 22	Q1
5Y	+6.01%	+3.32%	+2.69	2 / 19	Q1
7Y	+1.21%	+2.66%	-1.45	11 / 19	Q3
10Y	—	—	—	—	—
Inception	+4.30%	+3.08%	+1.23	10 / 26	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	+6.15%	+1.93%	+4.22	1 / 25
2025	+3.95%	+2.10%	+1.85	6 / 24
2024	+10.87%	+6.37%	+4.50	1 / 23
2023	+6.47%	+4.50%	+1.97	7 / 24
2022	+1.35%	+0.99%	+0.36	12 / 19
2021	-5.78%	-0.38%	-5.40	18 / 19
2020	-14.76%	+3.90%	-18.66	19 / 19
2019	+13.70%	+5.60%	+8.10	1 / 19
2018	+7.73%	+4.05%	+3.68	2 / 19
2017	+2.56%	-1.74%	+4.30	4 / 19
2016	+14.30%	+8.76%	+5.55	5 / 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

+3.28%

111 windows

min -19.3% · max 17.5%

74% positive

3-Year rolling

+2.71%

97 windows

min -7.4% · max 9.0%

69% positive

5-Year rolling

+1.85%

72 windows

min -1.2% · max 8.8%

67% positive

7-Year rolling

+2.10%

47 windows

min 0.8% · max 3.1%

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

3.77%

3-year · annualised

Sharpe ratio

0.23

vs risk-free 6.5%

Sortino ratio

0.44

Downside-only deviation

Max drawdown

-4.23%

May 2025 → Aug 2025

% positive months

75.0%

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 B - Half Yearly IDCW	Bandhan	₹11.7111	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	₹17.6501
16 Jul 2026	₹17.6952
15 Jul 2026	₹17.6651
14 Jul 2026	₹17.6305
13 Jul 2026	₹17.7632
10 Jul 2026	₹17.7839
9 Jul 2026	₹17.7310
8 Jul 2026	₹17.7056
7 Jul 2026	₹17.7953
6 Jul 2026	₹17.8090

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 - Periodic IDCW is ₹17.6501. 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 - Periodic IDCW has NAV history starting from 18 Dec 2014, a track record of about 11 years 7 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 - 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 - Regular Plan B - Periodic IDCW has delivered a absolute return of 6.27% — +5 pp ahead of the Gilt Fund category average of 1.27%. The fund ranks #1 of 25 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Bandhan Gilt Fund - Regular Plan B - Periodic IDCW has delivered a CAGR of 7.51% — +3.71 pp ahead of the Gilt Fund category average of 3.80%. The fund ranks #1 of 23 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Bandhan Gilt Fund - Regular Plan B - Periodic IDCW has delivered a CAGR of 6.01% — +2.69 pp ahead of the Gilt Fund category average of 3.32%. The fund ranks #2 of 19 in its category — the top (Q1) quartile.

₹1 lakh invested in Bandhan Gilt Fund - Regular Plan B - Periodic IDCW exactly 5 years ago would be worth approximately ₹133,873 today — a multiplier of 1.34×, based on the 5-year CAGR of 6.01%. The category average over the same window would have grown ₹1 lakh to ₹117,743.

A ₹10,000 monthly SIP in Bandhan Gilt Fund - Regular Plan B - Periodic IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹717,082 today. That's an XIRR (money-weighted annualised return) of 7.06%.

A ₹10,000 monthly SIP for 10 years in Bandhan Gilt Fund - Regular Plan B - Periodic IDCW = ₹1,170,000 invested. It would currently be worth ₹1,428,102 (multiplier 1.22×). XIRR: 4.01%. 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 - Periodic IDCW ranks #2 out of 19 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 3.32%; this fund delivered 6.01%.

The worst peak-to-trough decline Bandhan Gilt Fund - Regular Plan B - Periodic IDCW has experienced over the last 5-year window is 4.23% — its NAV fell from a high on 16 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 - Regular Plan B - Periodic IDCW averaged 1.85% (best 8.85%, worst -1.24%). 67% of rolling windows ended positive. The 5-year Sharpe ratio is -0.17 — negative risk-adjusted performance.

In calendar year 2025, Bandhan Gilt Fund - Regular Plan B - Periodic IDCW returned 3.95% — beating the Gilt Fund category average of 2.10% by 1.85 pp. It ranked #6 of 24 in its category that year.

Bandhan Gilt Fund - Regular Plan B - 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 - Regular Plan B - 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: 4.2%. 5-year CAGR: 6.01%.

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