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

We don't give personal investment advice. Bandhan Medium to Long 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: 3.5%. 5-year CAGR: 5.03%.

Bandhan

Bandhan Medium to Long Duration Fund - Direct Plan - Periodic IDCW

Latest NAV

₹17.7455

As of

3 Jun 2026

2,679 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	+0.10%	-6.79%	+6.89	15 / 1087	Q1
1W	+0.23%	-9.68%	+9.91	26 / 998	Q1
2W	+0.33%	-9.65%	+9.98	50 / 997	Q1
1M	+0.45%	-9.71%	+10.16	127 / 991	Q1
3M	+1.26%	-9.39%	+10.65	188 / 984	Q1
6M	+1.95%	-8.74%	+10.69	247 / 949	Q2
YTD	+1.94%	-8.86%	+10.80	171 / 949	Q1
1Y	+2.56%	-6.69%	+9.25	314 / 916	Q2
2Y	+5.46%	-2.42%	+7.89	270 / 867	Q2
3Y	+5.83%	-1.12%	+6.95	264 / 833	Q2
4Y	+6.40%	+2.93%	+3.48	56 / 140	Q2
5Y	+5.03%	+2.47%	+2.55	31 / 87	Q2
7Y	+2.27%	+2.67%	-0.40	23 / 52	Q2
10Y	+4.01%	+2.62%	+1.39	12 / 34	Q2
Inception	+5.02%	+0.48%	+4.53	379 / 1085	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	+1.94%	+0.62%	+1.32	37 / 112
2025	+4.79%	+4.71%	+0.08	81 / 122
2024	+8.78%	+5.86%	+2.91	18 / 127
2023	+6.48%	+4.21%	+2.27	69 / 117
2022	+1.26%	-7.69%	+8.95	100 / 273
2021	-5.25%	-4.54%	-0.71	357 / 458
2020	-7.44%	+2.15%	-9.59	547 / 625
2019	+11.36%	+3.58%	+7.78	4 / 607
2018	+7.30%	+1.75%	+5.55	37 / 314
2017	—	—	—	—
2016	—	—	—	—

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

+4.24%

118 windows

min -11.9% · max 15.9%

76% positive

3-Year rolling

+3.67%

100 windows

min -4.4% · max 11.0%

83% positive

5-Year rolling

+3.00%

75 windows

min 0.0% · max 9.5%

99% positive

7-Year rolling

+3.09%

52 windows

min 2.2% · max 4.9%

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

2.61%

3-year · annualised

Sharpe ratio

-0.30

vs risk-free 6.5%

Sortino ratio

-0.85

Downside-only deviation

Max drawdown

-1.91%

May 2025 → Aug 2025

% positive months

72.2%

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 to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC Charity Fund for Cancer Cure - IDCW Option - Direct Plan - 50% IDCW Donation Option	HDFC	₹10.0419	3 Jun 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - DIRECT Plan - IDCW Option	Nippon India	₹17.3687	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.4021	3 Jun 2026
ICICI Prudential Bond Fund - Direct Plan - Half Yearly IDCW	ICICI Prudential	₹10.7370	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN HALF YEARLY-IDCW (3652 days)	Bandhan	₹11.3171	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Direct Plan - Payout of IDCW option	Aditya Birla Sun Life	₹13.5041	3 Jun 2026
Franklin India Medium to Long Duration Fund - Direct - IDCW	Franklin India	₹10.4993	3 Jun 2026
Kotak Bond Fund - Direct Plan - Standard IDCW option	Kotak	₹29.3456	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Direct - IDCW	DSP	₹13.2410	3 Jun 2026
HSBC Medium to Long Duration Fund - Direct Quarterly IDCW	HSBC	₹10.3575	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹17.7455
2 Jun 2026	₹17.7573
1 Jun 2026	₹17.7404
31 May 2026	₹17.7452
29 May 2026	₹17.7409
27 May 2026	₹17.7261
26 May 2026	₹17.7165
25 May 2026	₹17.7111
22 May 2026	₹17.6657
21 May 2026	₹17.6727

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 to Long Duration Fund - Direct Plan - Periodic IDCW is ₹17.7455. It's a Medium to Long Duration Fund from Bandhan, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Bandhan Medium to Long Duration Fund - Direct Plan - Periodic IDCW has NAV history starting from 16 Sep 2014, a track record of about 11 years 8 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 to Long Duration Fund - Direct Plan - Periodic IDCW is managed by Bandhan. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Bandhan Medium to Long Duration Fund - Direct Plan - Periodic IDCW has delivered a absolute return of 2.56% — +9.25 pp ahead of the Medium to Long Duration Fund category average of -6.69%. The fund ranks #314 of 916 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Bandhan Medium to Long Duration Fund - Direct Plan - Periodic IDCW has delivered a CAGR of 5.83% — +6.95 pp ahead of the Medium to Long Duration Fund category average of -1.12%. The fund ranks #264 of 833 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Bandhan Medium to Long Duration Fund - Direct Plan - Periodic IDCW has delivered a CAGR of 5.03% — +2.55 pp ahead of the Medium to Long Duration Fund category average of 2.47%. The fund ranks #31 of 87 in its category — the second (Q2) quartile.

₹1 lakh invested in Bandhan Medium to Long Duration Fund - Direct Plan - Periodic IDCW exactly 10 years ago would be worth approximately ₹148,200 today — a multiplier of 1.48×, based on the 10-year CAGR of 4.01%. The category average over the same window would have grown ₹1 lakh to ₹129,492.

A ₹10,000 monthly SIP in Bandhan Medium to Long Duration Fund - Direct Plan - Periodic IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹691,903 today. That's an XIRR (money-weighted annualised return) of 5.64%.

A ₹10,000 monthly SIP for 10 years in Bandhan Medium to Long Duration Fund - Direct Plan - Periodic IDCW = ₹1,130,000 invested. It would currently be worth ₹1,356,471 (multiplier 1.20×). XIRR: 3.78%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Bandhan Medium to Long Duration Fund - Direct Plan - Periodic IDCW ranks #31 out of 87 funds in the Medium to Long Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.47%; this fund delivered 5.03%.

The worst peak-to-trough decline Bandhan Medium to Long Duration Fund - Direct Plan - Periodic IDCW has experienced over the last 5-year window is 3.53% — its NAV fell from a high on 30 Mar 2022 to a low on 09 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 to Long Duration Fund - Direct Plan - Periodic IDCW averaged 3.00% (best 9.46%, worst -0.00%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is -0.56 — negative risk-adjusted performance.

In calendar year 2025, Bandhan Medium to Long Duration Fund - Direct Plan - Periodic IDCW returned 4.79% — beating the Medium to Long Duration Fund category average of 4.71% by 0.08 pp. It ranked #81 of 122 in its category that year.

Bandhan Medium to Long 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 to Long 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: 3.5%. 5-year CAGR: 5.03%.

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