Should I invest in Bandhan Medium Duration Fund - Monthly IDCW?

We don't give personal investment advice. Bandhan Medium Duration Fund - Direct Plan - Monthly 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: 3.9%. 5-year CAGR: 0.05%.

Bandhan

Bandhan Medium Duration Fund - Direct Plan - Monthly IDCW

Latest NAV

₹10.4743

As of

3 Jun 2026

3,244 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	+0.07%	+52.33%	-52.26	15 / 45	Q2
1W	+0.11%	+32.00%	-31.89	32 / 52	Q3
2W	+0.15%	+49.51%	-49.36	37 / 46	Q4
1M	+0.14%	+49.76%	-49.62	38 / 46	Q4
3M	+0.17%	+50.68%	-50.50	28 / 46	Q3
6M	+0.25%	+52.99%	-52.74	28 / 46	Q3
YTD	+0.21%	+49.92%	-49.71	29 / 46	Q3
1Y	+0.24%	+58.11%	-57.87	28 / 46	Q3
2Y	+0.02%	+18.22%	-18.20	37 / 45	Q4
3Y	0.00%	+3.00%	-3.01	28 / 37	Q4
4Y	+0.76%	+3.75%	-2.99	26 / 35	Q3
5Y	+0.05%	+3.25%	-3.20	28 / 35	Q4
7Y	+0.02%	+2.19%	-2.16	25 / 31	Q4
10Y	+0.04%	+2.16%	-2.11	23 / 28	Q4
Inception	+0.20%	+6.67%	-6.47	34 / 47	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	+0.21%	-0.03%	+0.24	16 / 30
2025	-0.07%	+3.23%	-3.30	30 / 32
2024	-0.04%	+3.99%	-4.03	31 / 32
2023	+0.13%	+0.03%	+0.10	26 / 33
2022	-0.07%	+59.88%	-59.95	28 / 41
2021	-0.15%	-0.67%	+0.53	22 / 40
2020	+0.42%	-0.27%	+0.69	20 / 33
2019	-0.15%	+0.77%	-0.91	20 / 32
2018	+0.32%	+1.73%	-1.40	24 / 32
2017	-0.30%	+1.25%	-1.55	22 / 32
2016	-0.32%	+4.35%	-4.67	27 / 31

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

+0.15%

152 windows

min -6.1% · max 7.1%

58% positive

3-Year rolling

+0.03%

127 windows

min -2.1% · max 1.4%

55% positive

5-Year rolling

+0.01%

103 windows

min -1.2% · max 0.7%

58% positive

7-Year rolling

+0.00%

79 windows

min -0.8% · max 0.4%

67% 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

1.02%

3-year · annualised

Sharpe ratio

-6.38

vs risk-free 6.5%

Sortino ratio

-9.24

Downside-only deviation

Max drawdown

-2.62%

Apr 2025 → Aug 2025

% positive months

50.0%

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 Medium Duration Fund

Scheme	Fund house	NAV	As of
HDFC Medium Term Debt Fund - Fortnightly IDCW Opt - Direct Plan	HDFC	₹10.1151	3 Jun 2026
NIPPON INDIA MEDIUM DURATION FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Medium Duration Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.5440	3 Jun 2026
ICICI Prudential Medium Term Bond Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.4292	3 Jun 2026
Invesco India Medium Duration Fund - Direct Plan - Discretionary IDCW (Payout/Reinvestment)	Invesco	₹1,326.0991	3 Jun 2026
Bandhan Medium Duration Fund - Direct Plan - Bi Monthly IDCW	Bandhan	₹10.5750	3 Jun 2026
Aditya Birla Sun Life Medium Term Plan - DIRECT - HALF YEARLY IDCW	Aditya Birla Sun Life	₹14.7184	3 Jun 2026
Kotak Medium Term Fund - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹26.7908	3 Jun 2026
DSP Bond Fund - Direct Plan - IDCW	DSP	₹11.5232	3 Jun 2026
HSBC Medium Duration Fund - Direct Annual IDCW	HSBC	₹11.4485	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.4743
2 Jun 2026	₹10.4794
1 Jun 2026	₹10.4717
31 May 2026	₹10.4713
29 May 2026	₹10.4679
27 May 2026	₹10.4741
26 May 2026	₹10.4675
25 May 2026	₹10.4664
22 May 2026	₹10.4492
21 May 2026	₹10.4500

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 Medium Duration Fund - Direct Plan - Monthly IDCW is ₹10.4743. It's a Medium Duration Fund from Bandhan, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Bandhan Medium Duration Fund - Direct Plan - Monthly IDCW has NAV history starting from 03 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 Medium Duration Fund - Direct Plan - Monthly IDCW is managed by Bandhan. It's classified by AMFI under the 'Medium Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Bandhan Medium Duration Fund - Direct Plan - Monthly IDCW has delivered a absolute return of 0.24% — -57.87 pp behind the Medium Duration Fund category average of 58.11%. The fund ranks #28 of 46 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Bandhan Medium Duration Fund - Direct Plan - Monthly IDCW has delivered a CAGR of 0.00% — -3.01 pp behind the Medium Duration Fund category average of 3.00%. The fund ranks #28 of 37 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Bandhan Medium Duration Fund - Direct Plan - Monthly IDCW has delivered a CAGR of 0.05% — -3.2 pp behind the Medium Duration Fund category average of 3.25%. The fund ranks #28 of 35 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Bandhan Medium Duration Fund - Direct Plan - Monthly IDCW exactly 10 years ago would be worth approximately ₹100,444 today — a multiplier of 1.00×, based on the 10-year CAGR of 0.04%. The category average over the same window would have grown ₹1 lakh to ₹123,815.

A ₹10,000 monthly SIP in Bandhan Medium Duration Fund - Direct Plan - Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹601,974 today. That's an XIRR (money-weighted annualised return) of 0.13%.

A ₹10,000 monthly SIP for 10 years in Bandhan Medium Duration Fund - Direct Plan - Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,204,591 (multiplier 1.00×). XIRR: 0.08%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Bandhan Medium Duration Fund - Direct Plan - Monthly IDCW ranks #28 out of 35 funds in the Medium Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 3.25%; this fund delivered 0.05%.

The worst peak-to-trough decline Bandhan Medium Duration Fund - Direct Plan - Monthly IDCW has experienced over the last 5-year window is 3.92% — its NAV fell from a high on 14 Feb 2022 to a low on 06 May 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 Medium Duration Fund - Direct Plan - Monthly IDCW averaged 0.01% (best 0.67%, worst -1.15%). 58% of rolling windows ended positive. The 5-year Sharpe ratio is -4.23 — negative risk-adjusted performance.

In calendar year 2025, Bandhan Medium Duration Fund - Direct Plan - Monthly IDCW returned -0.07% — lagging the Medium Duration Fund category average of 3.23% by 3.30 pp. It ranked #30 of 32 in its category that year.

Bandhan Medium Duration Fund - Direct Plan - Monthly 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 Medium Duration Fund - Direct Plan - Monthly 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: 3.9%. 5-year CAGR: 0.05%.

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