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

We don't give personal investment advice. Bandhan Medium to Long 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: 5.4%. 5-year CAGR: 0.51%.

Bandhan

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

Latest NAV

₹12.7626

As of

3 Jun 2026

3,211 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	+0.09%	-6.79%	+6.89	16 / 1087	Q1
1W	+0.23%	-9.68%	+9.91	27 / 998	Q1
2W	+0.33%	-9.65%	+9.98	52 / 997	Q1
1M	+0.45%	-9.71%	+10.16	130 / 991	Q1
3M	+0.59%	-9.39%	+9.97	360 / 984	Q2
6M	+0.48%	-8.74%	+9.22	354 / 949	Q2
YTD	+1.26%	-8.86%	+10.12	283 / 949	Q2
1Y	-0.67%	-6.69%	+6.02	382 / 916	Q2
2Y	+0.65%	-2.42%	+3.07	326 / 867	Q2
3Y	+0.12%	-1.12%	+1.24	301 / 833	Q2
4Y	+1.53%	+2.93%	-1.40	73 / 140	Q3
5Y	+0.51%	+2.47%	-1.96	43 / 87	Q2
7Y	+0.30%	+2.67%	-2.37	33 / 52	Q3
10Y	+0.58%	+2.62%	-2.03	25 / 34	Q3
Inception	+0.75%	+0.48%	+0.26	471 / 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	+1.26%	+0.62%	+0.64	60 / 112
2025	+1.22%	+4.71%	-3.49	96 / 122
2024	+0.60%	+5.86%	-5.27	109 / 127
2023	+0.21%	+4.21%	-4.00	99 / 117
2022	-0.20%	-7.69%	+7.49	143 / 273
2021	-0.68%	-4.54%	+3.86	260 / 458
2020	+0.22%	+2.15%	-1.93	447 / 625
2019	+3.32%	+3.58%	-0.26	335 / 607
2018	+2.14%	+1.75%	+0.39	185 / 314
2017	-1.35%	+2.07%	-3.41	152 / 207
2016	+0.51%	+3.56%	-3.04	124 / 167

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

+0.85%

151 windows

min -5.3% · max 8.5%

62% positive

3-Year rolling

+0.68%

127 windows

min -1.5% · max 3.7%

80% positive

5-Year rolling

+0.65%

102 windows

min -0.6% · max 2.3%

87% positive

7-Year rolling

+0.75%

78 windows

min 0.0% · max 1.6%

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

3.69%

3-year · annualised

Sharpe ratio

-1.71

vs risk-free 6.5%

Sortino ratio

-2.24

Downside-only deviation

Max drawdown

-3.87%

Jun 2023 → Oct 2023

% positive months

58.3%

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	₹12.7626
2 Jun 2026	₹12.7710
1 Jun 2026	₹12.7589
31 May 2026	₹12.7623
29 May 2026	₹12.7592
27 May 2026	₹12.7486
26 May 2026	₹12.7417
25 May 2026	₹12.7378
22 May 2026	₹12.7052
21 May 2026	₹12.7102

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 - Quarterly IDCW is ₹12.7626. 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 - Quarterly IDCW has NAV history starting from 23 Jan 2013, a track record of about 13 years 4 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 - Quarterly 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 - Quarterly IDCW has delivered a absolute return of -0.67% — +6.02 pp ahead of the Medium to Long Duration Fund category average of -6.69%. The fund ranks #382 of 916 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Bandhan Medium to Long Duration Fund - Direct Plan - Quarterly IDCW has delivered a CAGR of 0.12% — +1.24 pp ahead of the Medium to Long Duration Fund category average of -1.12%. The fund ranks #301 of 833 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Bandhan Medium to Long Duration Fund - Direct Plan - Quarterly IDCW has delivered a CAGR of 0.51% — -1.96 pp behind the Medium to Long Duration Fund category average of 2.47%. The fund ranks #43 of 87 in its category — the second (Q2) quartile.

₹1 lakh invested in Bandhan Medium to Long Duration Fund - Direct Plan - Quarterly IDCW exactly 10 years ago would be worth approximately ₹105,987 today — a multiplier of 1.06×, based on the 10-year CAGR of 0.58%. 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 - Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹613,849 today. That's an XIRR (money-weighted annualised return) of 0.90%.

A ₹10,000 monthly SIP for 10 years in Bandhan Medium to Long Duration Fund - Direct Plan - Quarterly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,241,413 (multiplier 1.03×). XIRR: 0.67%. 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 - Quarterly IDCW ranks #43 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 0.51%.

The worst peak-to-trough decline Bandhan Medium to Long Duration Fund - Direct Plan - Quarterly IDCW has experienced over the last 5-year window is 5.36% — its NAV fell from a high on 20 Sep 2021 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 - Quarterly IDCW averaged 0.65% (best 2.32%, worst -0.62%). 87% of rolling windows ended positive. The 5-year Sharpe ratio is -1.69 — negative risk-adjusted performance.

In calendar year 2025, Bandhan Medium to Long Duration Fund - Direct Plan - Quarterly IDCW returned 1.22% — lagging the Medium to Long Duration Fund category average of 4.71% by 3.49 pp. It ranked #96 of 122 in its category that year.

Bandhan Medium to Long 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 Medium to Long 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: 5.4%. 5-year CAGR: 0.51%.

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