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 | ₹12.02 (as of 2026-10-23) |
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| AUM | ₹182 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 | 78.9% |
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| Mid cap | 14.6% |
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| Small cap | 6.5% |
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Concentration
| Top 5 holdings | 26.7% |
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| Top 10 holdings | 41.1% |
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| Total holdings | 54 |
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Top holdings
- 7.3% GOI (MD 19/06/2053) — 22.0%
- Net Receivable / Payable — 10.4%
- Reliance Industries Ltd — 6.6%
- HDFC Bank Ltd. — 6.5%
- ICICI Bank Ltd. — 5.6%
- Kotak Mahindra Bank Ltd. — 4.4%
- Titan Company Limited — 3.7%
- Bharti Airtel Ltd. — 3.3%
- Infosys Ltd — 3.1%
- AXIS Bank Ltd. — 2.7%
Top sectors
Not disclosed.
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|
| 2026 (partial) | −6.7% | Q3 | #6 of 9 |
| 2025 | 6.6% | Q1 (Top) | #3 of 9 |
| 2024 | 12.8% | Q3 | #7 of 9 |