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Invest in direct mutual funds at zero charges via lump sump investments or SIPs
Bandhan Retirement Fund Direct Growth
+8.95%
3Y annualised
+0.68% 1D
NAV: 29 Oct '26
₹12.74
Min. for SIP
₹100
Fund size (AUM)
₹174.49 Cr
Expense ratio
1.03%
Rating
--
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 3 months | ₹15,000 | ₹14,788 | -1.41% | |
| 6 months | ₹30,000 | ₹29,495 | -1.68% | |
| 1 year | ₹60,000 | ₹58,819 | -1.97% | |
| 3 years | ₹1,80,000 | ₹1,86,481 | +3.60% |
Holdings (60)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOVERNMENT OF INDIA 33071 GOI 19JU53 7.3 FV RS 100 | Entities | GOI Securities | 22.01% |
| Net Receivables | Unspecified | Net Receivables | 9.84% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 6.56% |
| HDFC Bank Ltd | Financial | Equity | 6.50% |
| ICICI Bank Ltd | Financial | Equity | 5.61% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 4.37% |
| Titan Company Ltd | Consumer Discretionary | Equity | 3.66% |
| Bharti Airtel Ltd | Technology | Equity | 3.35% |
| Infosys Ltd | Technology | Equity | 3.13% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 2.67% |
| Axis Bank Ltd | Financial | Equity | 2.67% |
| Hitachi Energy India Ltd | Industrials | Equity | 2.60% |
| Reverse Repo | Unspecified | Reverse Repo | 2.56% |
| Larsen & Toubro Ltd | Industrials | Equity | 2.26% |
| Tata Consultancy Services Ltd | Technology | Equity | 2.06% |
| ITC Ltd | Consumer Staples | Equity | 2.00% |
| Bajaj Finserv Ltd | Financial | Equity | 1.79% |
| Info Edge (India) Ltd | Technology | Equity | 1.63% |
| Jindal Steel & Power Ltd | Materials | Equity | 1.30% |
| Hero Motocorp Ltd | Consumer Discretionary | Equity | 1.26% |
| Vishnu Chemicals Ltd | Materials | Equity | 1.15% |
| Max Financial Services Ltd | Financial | Equity | 1.14% |
| Zomato Ltd | Technology | Equity | 1.10% |
| Bajaj Finance Ltd | Financial | Equity | 1.10% |
| NHPC Ltd | Energy & Utilities | Equity | 1.08% |
| Coal India Ltd | Materials | Equity | 1.05% |
| Cholamandalam Investment & Finance Company Ltd | Financial | Equity | 1.05% |
| Oil & Natural Gas Corporation Ltd | Energy & Utilities | Equity | 1.04% |
| Berger Paints India Ltd | Materials | Equity | 0.91% |
| Cipla Ltd | Healthcare | Equity | 0.86% |
| United Spirits Ltd | Consumer Staples | Equity | 0.78% |
| Star Health & Allied Insurance Co. Ltd | Financial | Equity | 0.77% |
| Lupin Ltd | Healthcare | Equity | 0.73% |
| Exide Industries Ltd | Consumer Discretionary | Equity | 0.71% |
| Jindal Stainless Ltd | Materials | Equity | 0.64% |
| HDFC Life Insurance Co Ltd | Financial | Equity | 0.60% |
| Cash Margin | Unspecified | Cash Margin | 0.57% |
| Colgate-Palmolive (India) Ltd | Consumer Staples | Equity | 0.51% |
| Mahindra & Mahindra Financial Services Ltd | Financial | Equity | 0.50% |
| Dabur India Ltd | Consumer Staples | Equity | 0.48% |
| Varun Beverages Ltd | Consumer Staples | Equity | 0.45% |
| Sonata Software Ltd | Technology | Equity | 0.44% |
| Macrotech Developers Ltd | Real Estate | Equity | 0.43% |
| Emami Ltd | Consumer Staples | Equity | 0.41% |
| UNO Minda Ltd | Consumer Discretionary | Equity | 0.40% |
| Dhanuka Agritech Ltd | Materials | Equity | 0.37% |
| Mankind Pharma Ltd. | Healthcare | Equity | 0.35% |
| Sobha Ltd | Real Estate | Equity | 0.34% |
| Tata Motors Ltd | Consumer Discretionary | Equity | 0.33% |
| Jubilant Ingrevia Ltd | Materials | Equity | 0.28% |
| Wipro Ltd | Technology | Equity | 0.28% |
| Neogen Chemicals Ltd | Materials | Equity | 0.23% |
| Zee Entertainment Enterprises Ltd | Consumer Discretionary | Equity | 0.11% |
| GAIL (India) Ltd | Energy & Utilities | Equity | 0.08% |
| Cash | Unspecified | Cash | 0.00% |
| Others Mrgn Money | Unspecified | Margin Money | 0.00% |
| Kotak Mahindra Bank Limited October 2026 Future | Financial | Futures | -2.10% |
| Reliance Industries Limited October 2026 Future | Energy & Utilities | Futures | -2.15% |
| Larsen & Toubro Limited October 2026 Future | Industrials | Futures | -2.26% |
| Titan Company Limited October 2026 Future | Consumer Discretionary | Futures | -2.60% |
Minimum investments
Min. for 1st investment
₹1,000
Min. for 2nd investment
₹1,000
Min. for SIP
₹100
Returns and rankings
| Name | 6M | 1Y | 3Y | All |
|---|---|---|---|---|
| Fund returns | -2.0% | -4.2% | +8.9% | +8.3% |
| Category average (Hybrid Aggressive Hybrid) | -2.7% | -4.9% | +10.1% | +12.8% |
| Rank (Hybrid Aggressive Hybrid) | -- | 21 | 31 | -- |
Exit load, stamp duty and tax
Exit load
Nil
Stamp duty on investment: 0.005% (from July 1st, 2020)
from July 1st 2020
Tax implication
If you redeem within one year, returns are taxed at 20%. If you redeem after one year, returns exceeding Rs 1.25 lakh in a financial year are taxed at 12.5%.
Compare similar funds
| Name | 1Y | 3Y | Fund Size(Cr) | |
|---|---|---|---|---|
 | +8.19% | +16.01% | 2,195.61 | |
 | -2.40% | +12.79% | 3,874.96 | |
 | -5.14% | +12.40% | 50,706.13 | |
 | -1.89% | +11.99% | 86,162.81 | |
 | -5.14% | +9.88% | 3,856.85 | |
| Compare | ||||
Fund management
About Bandhan Retirement Fund Direct Growth
Bandhan Retirement Fund Direct Growth is a Hybrid Mutual Fund Scheme launched by Bandhan Mutual Fund. This scheme was made available to investors on 20 Dec 1999. Ritika Behera is the Current Fund Manager of Bandhan Retirement Fund Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹2,14,259 Cr and the Latest NAV as of 29 Oct 2026 is ₹12.74.
The Bandhan Retirement Fund Direct Growth is rated Very High risk. Minimum SIP Investment is set to ₹100. Minimum Lumpsum Investment is ₹1,000.
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Investment Objective
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.
Fund benchmarkCRISIL Hybrid 50+50 Moderate Index
Fund house
Rank (total assets)#9 in India
Total AUM₹2,14,259.16 Cr
Date of Incorporation20 Dec 1999
Launch Date20 Dec 1999
AddressOne World Centre, 6th Floor, Tower 1C,Senapati Bapat Marg, Prabhadevi Mumbai 400013
Websitewww.camsonline.com
Address7th Floor, Tower II, Rayala Towers, 158, Anna Salai,