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: 5.42%.

Bandhan

Bandhan Gilt Fund - Regular Plan B - Periodic IDCW

Latest NAV

₹17.0613

As of

3 Jun 2026

2,582 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	+0.09%	+0.06%	+0.04	7 / 26	Q2
1W	+0.10%	+0.06%	+0.05	8 / 26	Q2
2W	+0.56%	+0.55%	+0.00	15 / 26	Q3
1M	+0.86%	+0.05%	+0.81	2 / 26	Q1
3M	+1.87%	-1.14%	+3.01	1 / 26	Q1
6M	+2.57%	-0.33%	+2.89	1 / 25	Q1
YTD	+2.71%	-0.73%	+3.45	1 / 25	Q1
1Y	+1.57%	-2.55%	+4.12	1 / 25	Q1
2Y	+5.43%	+2.01%	+3.41	1 / 23	Q1
3Y	+6.42%	+2.92%	+3.50	1 / 23	Q1
4Y	+6.81%	+3.75%	+3.06	1 / 20	Q1
5Y	+5.42%	+2.75%	+2.67	2 / 19	Q1
7Y	+1.41%	+2.73%	-1.32	11 / 19	Q3
10Y	—	—	—	—	—
Inception	+4.05%	+2.75%	+1.30	11 / 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	+2.71%	-0.73%	+3.45	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

+3.23%

111 windows

min -18.8% · max 18.2%

74% positive

3-Year rolling

+2.50%

95 windows

min -7.1% · max 9.3%

66% positive

5-Year rolling

+1.73%

71 windows

min -1.4% · max 8.9%

68% positive

7-Year rolling

+2.15%

46 windows

min 1.2% · 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

4.28%

3-year · annualised

Sharpe ratio

-0.04

vs risk-free 6.5%

Sortino ratio

-0.09

Downside-only deviation

Max drawdown

-4.23%

May 2025 → Aug 2025

% positive months

63.9%

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	₹17.0613
2 Jun 2026	₹17.0792
1 Jun 2026	₹17.0630
31 May 2026	₹17.0689
29 May 2026	₹17.0662
27 May 2026	₹17.0643
26 May 2026	₹17.0614
25 May 2026	₹17.0526
22 May 2026	₹16.9951
21 May 2026	₹17.0036

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 B - Periodic IDCW is ₹17.0613. 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 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 - 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 1.57% — +4.12 pp ahead of the Gilt Fund category average of -2.55%. 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 6.42% — +3.5 pp ahead of the Gilt Fund category average of 2.92%. 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 5.42% — +2.67 pp ahead of the Gilt Fund category average of 2.75%. 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 ₹130,201 today — a multiplier of 1.30×, based on the 5-year CAGR of 5.42%. The category average over the same window would have grown ₹1 lakh to ₹114,519.

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 ₹698,683 today. That's an XIRR (money-weighted annualised return) of 6.02%.

A ₹10,000 monthly SIP for 10 years in Bandhan Gilt Fund - Regular Plan B - Periodic IDCW = ₹1,160,000 invested. It would currently be worth ₹1,375,179 (multiplier 1.19×). XIRR: 3.46%. 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 2.75%; this fund delivered 5.42%.

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 1.73% (best 8.91%, worst -1.42%). 68% of rolling windows ended positive. The 5-year Sharpe ratio is -0.30 — 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: 5.42%.

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