Should I invest in BANDHAN Low Duration Fund-Quarterly IDCW?

We don't give personal investment advice. BANDHAN Low Duration Fund-Direct Plan-Quarterly 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: 2.1%. 5-year CAGR: 0.72%.

Bandhan

BANDHAN Low Duration Fund-Direct Plan-Quarterly IDCW

Latest NAV

₹11.1313

As of

17 Jul 2026

3,273 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	+0.05%	0.00%	+0.06	19 / 87	Q1
1W	+0.07%	-0.01%	+0.08	55 / 87	Q3
2W	+0.05%	-0.06%	+0.11	40 / 87	Q2
1M	-1.05%	+0.06%	-1.11	83 / 87	Q4
3M	-0.09%	+0.44%	-0.53	60 / 85	Q3
6M	+0.66%	+1.05%	-0.39	30 / 84	Q2
YTD	+0.65%	+0.97%	-0.32	29 / 84	Q2
1Y	+0.80%	+2.29%	-1.48	32 / 84	Q2
2Y	+0.91%	+2.52%	-1.61	32 / 81	Q2
3Y	+0.88%	+2.27%	-1.39	28 / 76	Q2
4Y	+0.79%	+2.26%	-1.48	27 / 73	Q2
5Y	+0.72%	+2.18%	-1.46	26 / 69	Q2
7Y	+0.49%	+2.14%	-1.65	34 / 69	Q2
10Y	+0.57%	+1.66%	-1.08	23 / 57	Q2
Inception	+0.78%	+1.91%	-1.13	46 / 86	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	+0.65%	+0.86%	-0.21	24 / 75
2025	+1.13%	+2.26%	-1.13	25 / 73
2024	+0.79%	+2.19%	-1.40	23 / 76
2023	+0.64%	+2.09%	-1.44	25 / 76
2022	+0.43%	+1.51%	-1.08	30 / 73
2021	+0.36%	+1.54%	-1.17	24 / 69
2020	-0.20%	+3.37%	-3.58	66 / 69
2019	+0.53%	-1.02%	+1.56	16 / 69
2018	+0.64%	+1.75%	-1.11	23 / 65
2017	+0.71%	+2.28%	-1.56	16 / 62
2016	+1.00%	+2.32%	-1.31	19 / 61

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

+0.73%

153 windows

min -1.3% · max 3.5%

88% positive

3-Year rolling

+0.65%

129 windows

min -0.3% · max 1.7%

95% positive

5-Year rolling

+0.59%

104 windows

min 0.1% · max 1.3%

100% positive

7-Year rolling

+0.56%

80 windows

min 0.3% · max 1.2%

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

2.46%

3-year · annualised

Sharpe ratio

-2.27

vs risk-free 6.5%

Sortino ratio

-2.96

Downside-only deviation

Max drawdown

-2.15%

Jun 2025 → Jun 2025

% positive months

66.7%

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 Low Duration Fund

Scheme	Fund house	NAV	As of
HDFC Low Duration Fund - Direct Plan - Daily IDCW	HDFC	₹10.0655	17 Jul 2026
NIPPON INDIA LOW DURATION FUND - DIRECT Plan - DAILY IDCW Option	Nippon India	₹1,012.3553	17 Jul 2026
SBI Low Duration Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,492.8573	17 Jul 2026
ICICI Prudential Savings Fund - Direct Plan - Daily IDCW	ICICI Prudential	₹105.7358	17 Jul 2026
Invesco India Low Duration Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹4,203.3146	17 Jul 2026
BANDHAN Low Duration Fund-Direct Plan-Daily IDCW	Bandhan	₹10.1111	17 Jul 2026
Aditya Birla Sun Life Low Duration Fund -Direct - daily IDCW	Aditya Birla Sun Life	₹100.0000	17 Jul 2026
Franklin India Low Duration Fund-Direct-IDCW	Franklin India	₹10.5950	17 Jul 2026
Mirae Asset Low Duration Fund - Direct Plan - Daily IDCW	Mirae Asset	₹1,208.9337	17 Jul 2026
Kotak Low Duration Fund - Direct Plan - Monthly - Reinvestment & Payout of Income Distribution cum Capital Withdrawal Option	Kotak	₹1,014.4328	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹11.1313
16 Jul 2026	₹11.1255
15 Jul 2026	₹11.1205
14 Jul 2026	₹11.1181
13 Jul 2026	₹11.1291
10 Jul 2026	₹11.1239
9 Jul 2026	₹11.1190
8 Jul 2026	₹11.1157
7 Jul 2026	₹11.1251
6 Jul 2026	₹11.1288

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 Low Duration Fund-Direct Plan-Quarterly IDCW is ₹11.1313. It's a Low Duration Fund from Bandhan, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BANDHAN Low Duration Fund-Direct Plan-Quarterly IDCW has NAV history starting from 07 Jan 2013, a track record of about 13 years 6 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 Low Duration Fund-Direct Plan-Quarterly IDCW is managed by Bandhan. It's classified by AMFI under the 'Low Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, BANDHAN Low Duration Fund-Direct Plan-Quarterly IDCW has delivered a absolute return of 0.80% — -1.48 pp behind the Low Duration Fund category average of 2.29%. The fund ranks #32 of 84 in its category — the second (Q2) quartile.

Over the trailing 3-year window, BANDHAN Low Duration Fund-Direct Plan-Quarterly IDCW has delivered a CAGR of 0.88% — -1.39 pp behind the Low Duration Fund category average of 2.27%. The fund ranks #28 of 76 in its category — the second (Q2) quartile.

Over the trailing 5-year window, BANDHAN Low Duration Fund-Direct Plan-Quarterly IDCW has delivered a CAGR of 0.72% — -1.46 pp behind the Low Duration Fund category average of 2.18%. The fund ranks #26 of 69 in its category — the second (Q2) quartile.

₹1 lakh invested in BANDHAN Low Duration Fund-Direct Plan-Quarterly IDCW exactly 10 years ago would be worth approximately ₹105,893 today — a multiplier of 1.06×, based on the 10-year CAGR of 0.57%. The category average over the same window would have grown ₹1 lakh to ₹117,848.

A ₹10,000 monthly SIP in BANDHAN Low Duration Fund-Direct Plan-Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹610,278 today. That's an XIRR (money-weighted annualised return) of 0.67%.

A ₹10,000 monthly SIP for 10 years in BANDHAN Low Duration Fund-Direct Plan-Quarterly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,233,632 (multiplier 1.03×). XIRR: 0.55%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, BANDHAN Low Duration Fund-Direct Plan-Quarterly IDCW ranks #26 out of 69 funds in the Low Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.18%; this fund delivered 0.72%.

The worst peak-to-trough decline BANDHAN Low Duration Fund-Direct Plan-Quarterly IDCW has experienced over the last 5-year window is 2.15% — its NAV fell from a high on 27 Jun 2025 to a low on 30 Jun 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 Low Duration Fund-Direct Plan-Quarterly IDCW averaged 0.59% (best 1.33%, worst 0.08%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -2.51 — negative risk-adjusted performance.

In calendar year 2025, BANDHAN Low Duration Fund-Direct Plan-Quarterly IDCW returned 1.13% — lagging the Low Duration Fund category average of 2.26% by 1.13 pp. It ranked #25 of 73 in its category that year.

BANDHAN Low Duration Fund-Direct Plan-Quarterly 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 Low Duration Fund-Direct Plan-Quarterly 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: 2.1%. 5-year CAGR: 0.72%.

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