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

We don't give personal investment advice. Bandhan Short Duration Fund - Regular 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: 2.5%. 5-year CAGR: -0.09%.

IDFC

Bandhan Short Duration Fund - Regular Plan - Monthly IDCW

Latest NAV

₹10.3664

As of

24 Jul 2026

4,384 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	+0.04%	-8.10%	+8.14	39 / 904	Q1
1W	-0.03%	-11.78%	+11.75	378 / 779	Q2
2W	-0.08%	-11.83%	+11.75	379 / 776	Q2
1M	-1.45%	-11.81%	+10.35	444 / 772	Q3
3M	-0.59%	-11.26%	+10.67	418 / 763	Q3
6M	+0.06%	-10.37%	+10.43	371 / 749	Q2
YTD	+0.04%	-10.44%	+10.48	371 / 747	Q2
1Y	-0.59%	-8.22%	+7.63	398 / 728	Q3
2Y	-0.30%	-5.25%	+4.95	363 / 660	Q3
3Y	-0.11%	-3.97%	+3.86	372 / 646	Q3
4Y	+0.08%	+3.36%	-3.28	93 / 136	Q3
5Y	-0.09%	+3.47%	-3.55	78 / 92	Q4
7Y	+0.14%	+3.36%	-3.23	56 / 76	Q3
10Y	+0.10%	+3.80%	-3.70	54 / 66	Q4
Inception	+0.16%	-1.10%	+1.27	532 / 904	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	+0.04%	+0.22%	-0.18	36 / 49
2025	-0.07%	+2.91%	-2.99	54 / 61
2024	-0.04%	+5.21%	-5.25	58 / 62
2023	+0.09%	+3.66%	-3.57	60 / 69
2022	-0.04%	-8.21%	+8.17	148 / 224
2021	-0.08%	-6.85%	+6.77	249 / 355
2020	+1.67%	+3.44%	-1.77	311 / 433
2019	+0.15%	+4.28%	-4.12	363 / 449
2018	+0.02%	+0.48%	-0.46	148 / 205
2017	-0.12%	+1.61%	-1.73	157 / 223
2016	-0.13%	+3.44%	-3.57	171 / 223

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

+0.14%

209 windows

min -7.0% · max 4.0%

63% positive

3-Year rolling

+0.19%

185 windows

min -0.7% · max 0.9%

77% positive

5-Year rolling

+0.21%

161 windows

min -1.4% · max 0.5%

90% positive

7-Year rolling

+0.21%

136 windows

min -0.8% · max 0.7%

99% 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

1.98%

3-year · annualised

Sharpe ratio

-3.34

vs risk-free 6.5%

Sortino ratio

-4.72

Downside-only deviation

Max drawdown

-2.19%

Apr 2025 → Aug 2025

% positive months

44.4%

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
HDFC Charity Fund for Cancer Cure - IDCW Option - 50% IDCW Donation Option	HDFC	₹10.1274	24 Jul 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - IDCW Option	Nippon India	₹17.3421	24 Jul 2026
SBI Medium to Long Duration Fund - Regular Plan - Half Yearly - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹19.2650	24 Jul 2026
ICICI Prudential Bond Fund - Half Yearly IDCW	ICICI Prudential	₹11.3242	24 Jul 2026
Franklin India Medium to Long Duration Fund - IDCW	Franklin India	₹10.5957	24 Jul 2026
CANARA ROBECO INCOME FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹56.8943	24 Jul 2026
UTI Annual Interval Fund - I - ( Instn Growth Option )	UTI	₹37.7361	24 Jul 2026
Aditya Birla Sun Life Income Fund - Growth - Regular Plan	Birla Sun Life	₹129.7040	24 Jul 2026
Bandhan Medium to Long Duration Fund - Regular Plan - Annual IDCW	IDFC	₹11.9309	24 Jul 2026
JM Medium to Long Duration Fund (Regular) - Bonus Option- Principal Units	JM Financial	₹26.3635	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹10.3664
23 Jul 2026	₹10.3625
22 Jul 2026	₹10.3657
21 Jul 2026	₹10.3702
20 Jul 2026	₹10.3653
17 Jul 2026	₹10.3695
16 Jul 2026	₹10.3681
15 Jul 2026	₹10.3600
14 Jul 2026	₹10.3550
13 Jul 2026	₹10.3766

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 24 Jul 2026, the NAV of Bandhan Short Duration Fund - Regular Plan - Monthly IDCW is ₹10.3664. It's a Medium to Long Duration Fund from IDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Bandhan Short Duration Fund - Regular Plan - Monthly IDCW has NAV history starting from 02 Jun 2008, a track record of about 18 years 1 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Bandhan Short Duration Fund - Regular Plan - Monthly IDCW is managed by IDFC. 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 Short Duration Fund - Regular Plan - Monthly IDCW has delivered a absolute return of -0.59% — +7.63 pp ahead of the Medium to Long Duration Fund category average of -8.22%. The fund ranks #398 of 728 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Bandhan Short Duration Fund - Regular Plan - Monthly IDCW has delivered a CAGR of -0.11% — +3.86 pp ahead of the Medium to Long Duration Fund category average of -3.97%. The fund ranks #372 of 646 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Bandhan Short Duration Fund - Regular Plan - Monthly IDCW has delivered a CAGR of -0.09% — -3.55 pp behind the Medium to Long Duration Fund category average of 3.47%. The fund ranks #78 of 92 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Bandhan Short Duration Fund - Regular Plan - Monthly IDCW exactly 10 years ago would be worth approximately ₹100,987 today — a multiplier of 1.01×, based on the 10-year CAGR of 0.10%. The category average over the same window would have grown ₹1 lakh to ₹145,151.

A ₹10,000 monthly SIP in Bandhan Short Duration Fund - Regular Plan - Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹598,419 today. That's an XIRR (money-weighted annualised return) of -0.10%.

A ₹10,000 monthly SIP for 10 years in Bandhan Short Duration Fund - Regular Plan - Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,205,076 (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 Short Duration Fund - Regular Plan - Monthly IDCW ranks #78 out of 92 funds in the Medium to Long Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 3.47%; this fund delivered -0.09%.

The worst peak-to-trough decline Bandhan Short Duration Fund - Regular Plan - Monthly IDCW has experienced over the last 5-year window is 2.46% — 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 Short Duration Fund - Regular Plan - Monthly IDCW averaged 0.21% (best 0.50%, worst -1.36%). 90% of rolling windows ended positive. The 5-year Sharpe ratio is -3.50 — negative risk-adjusted performance.

In calendar year 2025, Bandhan Short Duration Fund - Regular Plan - Monthly IDCW returned -0.07% — lagging the Medium to Long Duration Fund category average of 2.91% by 2.99 pp. It ranked #54 of 61 in its category that year.

Bandhan Short Duration Fund - Regular 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 Short Duration Fund - Regular 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: 2.5%. 5-year CAGR: -0.09%.

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