Should I invest in Bandhan Gilt Fund with 10 year constant duration Fund?

We don't give personal investment advice. Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Growth 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: 5.0%. 5-year CAGR: 5.76%.

Bandhan

Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Growth

Latest NAV

₹48.1270

As of

3 Jun 2026

3,245 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	+0.11%	+0.13%	-0.02	5 / 5	Q4
1W	+0.28%	+0.20%	+0.08	1 / 5	Q1
2W	+0.97%	+0.89%	+0.09	1 / 5	Q1
1M	+0.76%	+0.66%	+0.09	1 / 5	Q1
3M	-0.21%	-0.38%	+0.17	2 / 5	Q2
6M	+1.23%	+0.49%	+0.74	1 / 5	Q1
YTD	+0.97%	+0.42%	+0.56	1 / 5	Q1
1Y	+2.18%	+1.38%	+0.80	1 / 5	Q1
2Y	+7.03%	+6.37%	+0.67	1 / 5	Q1
3Y	+7.08%	+6.56%	+0.52	1 / 5	Q1
4Y	+7.77%	+7.46%	+0.31	1 / 4	Q1
5Y	+5.76%	+5.48%	+0.28	2 / 4	Q2
7Y	+7.09%	+6.81%	+0.28	2 / 4	Q2
10Y	+8.03%	+7.61%	+0.42	1 / 4	Q1
Inception	+8.68%	+7.94%	+0.74	1 / 5	Q1

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	+0.97%	+0.42%	+0.56	1 / 5
2025	+7.88%	+7.31%	+0.57	1 / 5
2024	+10.08%	+9.67%	+0.41	1 / 5
2023	+7.49%	+7.72%	-0.23	5 / 5
2022	+0.86%	+1.06%	-0.20	3 / 4
2021	+1.83%	+2.08%	-0.25	3 / 4
2020	+12.81%	+12.28%	+0.52	2 / 4
2019	+14.85%	+13.04%	+1.81	1 / 4
2018	+11.74%	+9.45%	+2.29	1 / 4
2017	+6.13%	+4.32%	+1.81	2 / 4
2016	+10.10%	+13.87%	-3.77	4 / 4

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

+8.91%

152 windows

min -1.5% · max 22.2%

96% positive

3-Year rolling

+8.70%

127 windows

min 3.1% · max 13.1%

100% positive

5-Year rolling

+8.69%

103 windows

min 5.4% · max 11.6%

100% positive

7-Year rolling

+9.05%

79 windows

min 7.1% · max 11.6%

100% 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

3.43%

3-year · annualised

Sharpe ratio

0.12

vs risk-free 6.5%

Sortino ratio

0.23

Downside-only deviation

Max drawdown

-2.94%

Mar 2026 → Apr 2026

% 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 with 10-year Constant Duration

Scheme	Fund house	NAV	As of
SBI CONSTANT MATURITY 10 YEAR GILT FUND - DIRECT PLAN - GROWTH	SBI	₹67.7728	3 Jun 2026
ICICI Prudential Constant Maturity Gilt Fund - Direct Plan - Growth	ICICI Prudential	₹25.9564	3 Jun 2026
DSP 10Y G-Sec Fund - Direct Plan - Growth	DSP	₹22.6066	3 Jun 2026
UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Growth Option	UTI	₹13.0518	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹48.1270
2 Jun 2026	₹48.0812
1 Jun 2026	₹48.0279
31 May 2026	₹48.0710
29 May 2026	₹48.0622
27 May 2026	₹47.9845
26 May 2026	₹47.9465
25 May 2026	₹47.9472
22 May 2026	₹47.7517
21 May 2026	₹47.6641

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 with 10 year constant duration Fund - Direct Plan - Growth is ₹48.1270. It's a Gilt Fund with 10-year Constant Duration from Bandhan, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Growth has NAV history starting from 02 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 with 10 year constant duration Fund - Direct Plan - Growth is managed by Bandhan. It's classified by AMFI under the 'Gilt Fund with 10-year Constant Duration' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Growth has delivered a absolute return of 2.18% — +0.8 pp ahead of the Gilt Fund with 10-year Constant Duration category average of 1.38%. The fund ranks #1 of 5 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Growth has delivered a CAGR of 7.08% — +0.52 pp ahead of the Gilt Fund with 10-year Constant Duration category average of 6.56%. The fund ranks #1 of 5 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Growth has delivered a CAGR of 5.76% — +0.28 pp ahead of the Gilt Fund with 10-year Constant Duration category average of 5.48%. The fund ranks #2 of 4 in its category — the second (Q2) quartile.

₹1 lakh invested in Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹216,505 today — a multiplier of 2.17×, based on the 10-year CAGR of 8.03%. The category average over the same window would have grown ₹1 lakh to ₹208,280.

A ₹10,000 monthly SIP in Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹711,432 today. That's an XIRR (money-weighted annualised return) of 6.74%.

A ₹10,000 monthly SIP for 10 years in Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,747,546 (multiplier 1.46×). XIRR: 7.30%. 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 with 10 year constant duration Fund - Direct Plan - Growth ranks #2 out of 4 funds in the Gilt Fund with 10-year Constant Duration category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 5.48%; this fund delivered 5.76%.

The worst peak-to-trough decline Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Growth has experienced over the last 5-year window is 5.00% — its NAV fell from a high on 21 Sep 2021 to a low on 13 Jun 2022. 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 with 10 year constant duration Fund - Direct Plan - Growth averaged 8.69% (best 11.60%, worst 5.45%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.22 — negative risk-adjusted performance.

In calendar year 2025, Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Growth returned 7.88% — beating the Gilt Fund with 10-year Constant Duration category average of 7.31% by 0.57 pp. It ranked #1 of 5 in its category that year.

Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Growth 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 with 10 year constant duration Fund - Direct Plan - Growth 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: 5.0%. 5-year CAGR: 5.76%.

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

Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Gilt Fund with 10-year Constant Duration

Recent NAVs

Frequently asked questions

More from Bandhan