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

We don't give personal investment advice. Bandhan Medium Duration Fund - Direct Plan - 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: 3.2%. 5-year CAGR: 6.09%.

Bandhan

Bandhan Medium Duration Fund - Direct Plan - Periodic IDCW

Latest NAV

₹13.8451

As of

17 Jul 2026

2,867 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	0.00%	-0.01%	+0.01	28 / 37	Q4
1W	-0.14%	-0.08%	-0.06	32 / 37	Q4
2W	-0.16%	-0.03%	-0.13	31 / 37	Q4
1M	+0.98%	+0.49%	+0.49	10 / 37	Q2
3M	+2.24%	+1.52%	+0.72	10 / 37	Q2
6M	+4.05%	+1.61%	+2.44	4 / 37	Q1
YTD	+3.92%	+1.65%	+2.27	3 / 37	Q1
1Y	+5.59%	+2.57%	+3.02	9 / 37	Q1
2Y	+7.61%	+3.46%	+4.15	7 / 37	Q1
3Y	+7.44%	+3.33%	+4.11	7 / 37	Q1
4Y	+7.34%	+3.53%	+3.81	6 / 35	Q1
5Y	+6.09%	+3.21%	+2.89	11 / 35	Q2
7Y	-1.27%	+2.22%	-3.50	30 / 31	Q4
10Y	+1.50%	+2.19%	-0.70	15 / 28	Q3
Inception	+2.78%	+2.46%	+0.32	14 / 34	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	+3.92%	+1.35%	+2.57	1 / 30
2025	+7.34%	+3.23%	+4.11	7 / 32
2024	+8.36%	+3.99%	+4.37	7 / 32
2023	+7.15%	+3.16%	+4.00	5 / 32
2022	+1.91%	+2.38%	-0.46	12 / 33
2021	-5.53%	+3.13%	-8.66	32 / 32
2020	-28.83%	-0.27%	-28.55	33 / 33
2019	+9.93%	+0.77%	+9.16	4 / 32
2018	+6.88%	+1.73%	+5.15	1 / 32
2017	+5.72%	+1.25%	+4.46	6 / 32
2016	+10.47%	+4.35%	+6.12	6 / 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

+2.99%

133 windows

min -31.3% · max 11.7%

82% positive

3-Year rolling

+1.19%

108 windows

min -12.4% · max 9.6%

67% positive

5-Year rolling

-0.83%

84 windows

min -4.7% · max 8.8%

27% positive

7-Year rolling

-0.79%

60 windows

min -1.5% · max 0.6%

7% 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

1.68%

3-year · annualised

Sharpe ratio

0.45

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.80%

Aug 2025 → Aug 2025

% positive months

88.9%

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 Medium Duration Fund

Scheme	Fund house	NAV	As of
HDFC Medium Term Debt Fund - Fortnightly IDCW Opt - Direct Plan	HDFC	₹10.0961	17 Jul 2026
NIPPON INDIA MEDIUM DURATION FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Medium Duration Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹23.0244	17 Jul 2026
ICICI Prudential Medium Term Bond Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.5797	17 Jul 2026
Invesco India Medium Duration Fund - Direct Plan - Discretionary IDCW (Payout/Reinvestment)	Invesco	₹1,354.2957	17 Jul 2026
Bandhan Medium Duration Fund - Direct Plan - Bi Monthly IDCW	Bandhan	₹10.8072	17 Jul 2026
Aditya Birla Sun Life Medium Term Plan - DIRECT - HALF YEARLY IDCW	Aditya Birla Sun Life	₹15.0384	17 Jul 2026
Kotak Medium Term Fund - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹27.3978	17 Jul 2026
DSP Bond Fund - Direct Plan - IDCW	DSP	₹11.7835	17 Jul 2026
HSBC Medium Duration Fund - Direct Annual IDCW	HSBC	₹11.6635	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹13.8451
16 Jul 2026	₹13.8455
15 Jul 2026	₹13.8355
14 Jul 2026	₹13.8274
13 Jul 2026	₹13.8653
10 Jul 2026	₹13.8650
9 Jul 2026	₹13.8502
8 Jul 2026	₹13.8449
7 Jul 2026	₹13.8783
6 Jul 2026	₹13.8827

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 Medium Duration Fund - Direct Plan - Periodic IDCW is ₹13.8451. 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 - Periodic IDCW has NAV history starting from 16 Sep 2014, a track record of about 11 years 10 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 - Periodic 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 - Periodic IDCW has delivered a absolute return of 5.59% — +3.02 pp ahead of the Medium Duration Fund category average of 2.57%. The fund ranks #9 of 37 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Bandhan Medium Duration Fund - Direct Plan - Periodic IDCW has delivered a CAGR of 7.44% — +4.11 pp ahead of the Medium Duration Fund category average of 3.33%. The fund ranks #7 of 37 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Bandhan Medium Duration Fund - Direct Plan - Periodic IDCW has delivered a CAGR of 6.09% — +2.89 pp ahead of the Medium Duration Fund category average of 3.21%. The fund ranks #11 of 35 in its category — the second (Q2) quartile.

₹1 lakh invested in Bandhan Medium Duration Fund - Direct Plan - Periodic IDCW exactly 10 years ago would be worth approximately ₹116,009 today — a multiplier of 1.16×, based on the 10-year CAGR of 1.50%. The category average over the same window would have grown ₹1 lakh to ₹124,227.

A ₹10,000 monthly SIP in Bandhan Medium Duration Fund - Direct Plan - Periodic IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹717,024 today. That's an XIRR (money-weighted annualised return) of 7.06%.

A ₹10,000 monthly SIP for 10 years in Bandhan Medium Duration Fund - Direct Plan - Periodic IDCW = ₹1,200,000 invested. It would currently be worth ₹1,367,904 (multiplier 1.14×). XIRR: 2.58%. 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 - Periodic IDCW ranks #11 out of 35 funds in the Medium Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.21%; this fund delivered 6.09%.

The worst peak-to-trough decline Bandhan Medium Duration Fund - Direct Plan - Periodic IDCW has experienced over the last 5-year window is 3.21% — its NAV fell from a high on 30 Mar 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 - Periodic IDCW averaged -0.83% (best 8.78%, worst -4.68%). 27% of rolling windows ended positive. The 5-year Sharpe ratio is -0.26 — negative risk-adjusted performance.

In calendar year 2025, Bandhan Medium Duration Fund - Direct Plan - Periodic IDCW returned 7.34% — beating the Medium Duration Fund category average of 3.23% by 4.11 pp. It ranked #7 of 32 in its category that year.

Bandhan Medium Duration Fund - Direct Plan - 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 Medium Duration Fund - Direct Plan - 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: 3.2%. 5-year CAGR: 6.09%.

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