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 - Regular 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: 3.6%. 5-year CAGR: 4.35%.

Bandhan

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

Latest NAV

₹14.2326

As of

3 Jun 2026

2,615 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%	-5.48%	+5.58	7 / 472	Q1
1W	+0.22%	-6.69%	+6.90	10 / 472	Q1
2W	+0.31%	-6.61%	+6.92	15 / 472	Q1
1M	+0.40%	-6.65%	+7.04	71 / 472	Q1
3M	+1.10%	-6.59%	+7.69	90 / 471	Q1
6M	+1.62%	-6.25%	+7.87	109 / 443	Q1
YTD	+1.66%	-6.33%	+8.00	69 / 452	Q1
1Y	+1.90%	-4.07%	+5.97	125 / 439	Q2
2Y	+4.78%	+0.33%	+4.46	120 / 439	Q2
3Y	+5.14%	+1.73%	+3.41	127 / 439	Q2
4Y	+5.72%	+4.16%	+1.55	41 / 64	Q3
5Y	+4.35%	+3.80%	+0.55	24 / 43	Q3
7Y	-0.71%	+4.79%	-5.50	22 / 23	Q4
10Y	+1.79%	+4.00%	-2.20	14 / 17	Q4
Inception	+2.13%	+1.99%	+0.14	137 / 472	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	+1.66%	+0.71%	+0.95	37 / 87
2025	+4.11%	+6.36%	-2.25	81 / 88
2024	+8.08%	+6.97%	+1.10	25 / 94
2023	+5.80%	+6.24%	-0.44	59 / 71
2022	+0.61%	-4.59%	+5.19	52 / 133
2021	-5.30%	-3.01%	-2.29	169 / 236
2020	-22.25%	+1.27%	-23.51	344 / 344
2019	+10.76%	+2.87%	+7.89	5 / 301
2018	+6.51%	+2.79%	+3.72	29 / 187
2017	+2.68%	+5.18%	-2.50	53 / 71
2016	+12.67%	+8.01%	+4.65	5 / 35

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

+2.36%

120 windows

min -26.0% · max 15.3%

73% positive

3-Year rolling

+0.67%

96 windows

min -10.0% · max 8.4%

61% positive

5-Year rolling

-0.90%

71 windows

min -3.8% · max 4.4%

31% positive

7-Year rolling

-0.11%

47 windows

min -0.8% · max 0.6%

47% 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

-0.55

vs risk-free 6.5%

Sortino ratio

-1.44

Downside-only deviation

Max drawdown

-2.07%

May 2025 → Aug 2025

% positive months

69.4%

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
Nippon India Fixed Maturity Plan - XLIII - Series 1 - Regular Plan - Income Distribution cum Capital Withdrawal Plan	Nippon India	₹13.2025	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.1653	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 REGULAR PLAN PERIODIC-IDCW (3652 days)	Bandhan	₹15.0027	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Regular Plan - Payout of IDCW option	Aditya Birla Sun Life	₹13.4359	3 Jun 2026
Kotak Bond-Regular-Annual Dividend	Kotak Mahindra	₹47.6827	3 Jun 2026
Kotak FMP Series 304-Regular Plan-Payout of IDCW	Kotak	₹12.9404	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Regular - IDCW	DSP	₹13.1466	3 Jun 2026
HSBC Income Fund - Investment - Regular - Dividend	HSBC	₹10.5254	3 Jun 2026
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days) - Regular Plan - Payout of IDCW Option	UTI	₹12.1075	3 Jun 2026
Axis Fixed Maturity Plan - Series 129 (108 Days) - Regular Plan - IDCW	Axis	₹10.1904	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹14.2326
2 Jun 2026	₹14.2423
1 Jun 2026	₹14.2291
31 May 2026	₹14.2332
29 May 2026	₹14.2302
27 May 2026	₹14.2189
26 May 2026	₹14.2114
25 May 2026	₹14.2073
22 May 2026	₹14.1717
21 May 2026	₹14.1775

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 - Regular Plan - Periodic IDCW is ₹14.2326. It's a Medium to Long Duration Fund from Bandhan, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Bandhan Medium to Long Duration Fund - Regular Plan - Periodic IDCW has NAV history starting from 19 Aug 2015, a track record of about 10 years 9 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 - Regular 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 - Regular Plan - Periodic IDCW has delivered a absolute return of 1.90% — +5.97 pp ahead of the Medium to Long Duration Fund category average of -4.07%. The fund ranks #125 of 439 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Bandhan Medium to Long Duration Fund - Regular Plan - Periodic IDCW has delivered a CAGR of 5.14% — +3.41 pp ahead of the Medium to Long Duration Fund category average of 1.73%. The fund ranks #127 of 439 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Bandhan Medium to Long Duration Fund - Regular Plan - Periodic IDCW has delivered a CAGR of 4.35% — +0.55 pp ahead of the Medium to Long Duration Fund category average of 3.80%. The fund ranks #24 of 43 in its category — the third (Q3) quartile.

₹1 lakh invested in Bandhan Medium to Long Duration Fund - Regular Plan - Periodic IDCW exactly 10 years ago would be worth approximately ₹119,460 today — a multiplier of 1.19×, based on the 10-year CAGR of 1.79%. The category average over the same window would have grown ₹1 lakh to ₹147,955.

A ₹10,000 monthly SIP in Bandhan Medium to Long Duration Fund - Regular Plan - Periodic IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹680,125 today. That's an XIRR (money-weighted annualised return) of 4.95%.

A ₹10,000 monthly SIP for 10 years in Bandhan Medium to Long Duration Fund - Regular Plan - Periodic IDCW = ₹1,200,000 invested. It would currently be worth ₹1,320,943 (multiplier 1.10×). XIRR: 1.89%. 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 - Regular Plan - Periodic IDCW ranks #24 out of 43 funds in the Medium to Long Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.80%; this fund delivered 4.35%.

The worst peak-to-trough decline Bandhan Medium to Long Duration Fund - Regular Plan - Periodic IDCW has experienced over the last 5-year window is 3.59% — 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 - Regular Plan - Periodic IDCW averaged -0.90% (best 4.38%, worst -3.82%). 31% of rolling windows ended positive. The 5-year Sharpe ratio is -0.80 — negative risk-adjusted performance.

In calendar year 2025, Bandhan Medium to Long Duration Fund - Regular Plan - Periodic IDCW returned 4.11% — lagging the Medium to Long Duration Fund category average of 6.36% by 2.25 pp. It ranked #81 of 88 in its category that year.

Bandhan Medium to Long Duration Fund - Regular 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 - Regular 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: 3.6%. 5-year CAGR: 4.35%.

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