Bandhan Retirement Fund
The Scheme seeks to provide long-term capital appreciation / income by investing in a mix of equity, debt, and other instruments to help investors meet their retirement goals.
Growthvine rating: 1/5 — ranked #8 of 9 in category.
Fund basics
| Category | Solution: Retirement Hybrid |
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| NAV | ₹12.07 (as of 2026-10-01) |
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| AUM | ₹185 Cr |
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| Expense ratio | 2.10% |
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| Riskometer | High |
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| Fund manager | Viraj Kulkarni |
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| Exit load | 0 |
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Performance & risk
| Standard deviation | 0.00% |
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| Max drawdown | −10.11% |
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| Alpha | 0 |
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| Beta | 0 |
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Over 5 years, captured 61.6% of Nifty 500's upside and 58.5% of its downside.
Market cap allocation
| Large cap | 78.0% |
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| Mid cap | 15.4% |
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| Small cap | 6.6% |
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Concentration
| Top 5 holdings | 23.3% |
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| Top 10 holdings | 37.7% |
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| Total holdings | 58 |
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Top holdings
- 7.3% GOI (MD 19/06/2053) — 21.3%
- Net Receivable / Payable — 10.0%
- Triparty Repo TRP_010926 — 6.0%
- Bharti Airtel Ltd. — 5.4%
- Reliance Industries Ltd — 5.1%
- ICICI Bank Ltd. — 4.8%
- HDFC Bank Ltd. — 4.1%
- Titan Company Limited — 3.9%
- Larsen & Toubro Limited — 3.8%
- Kotak Mahindra Bank Ltd. — 3.8%
Top sectors
Not disclosed.
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|
| 2026 (partial) | −6.3% | Q4 (Bottom) | #8 of 9 |
| 2025 | 6.6% | Q1 (Top) | #3 of 9 |
| 2024 | 12.8% | Q3 | #7 of 9 |