MF Gyan
otherModerate risk3 years old

BANDHAN RETIREMENT FUND - Direct Plan - Growth

A specialised fund. Check the scheme details for what it invests in. From Bandhan Mutual Fund. It's been running since 19 Oct 2023.

Latest price per unit
₹13.142
▼ 0.09% today
As of 4 Sep 2026 · updated once each business day

What ₹1 lakh would have become

Based on past returns
Invested 1 year ago
₹1.02 L
▲ ₹2.0k gain · 2.0% / year

These are calculations from the fund's past prices, not a prediction. Real future returns can and often do differ.

SIP simulator

Play with a monthly investment

Slide the amount and switch the duration. Left column uses real past prices. Right column projects forward using this fund's historical rate — a calculation, not a prediction.

₹5.0k
Looking back · real
You would have invested₹60.0k
Value today₹60.3k
Gain / loss+₹340
XIRR (annualised)1.22%
Looking forward · hypothetical
You would invest₹60.0k
Would become*₹60.4k
Projected gain*+₹398
*at this fund's historical rate of 1.22% per year. Actual future returns can be different — sometimes very different.
Value Cumulative invested
Reality check. The backward SIP is real math on real past NAVs. The forward projection assumes the fund keeps up its historical rate — which rarely happens exactly. Past performance is not a promise. MF Gyan does not recommend any specific investment.
How it compares to peers

Vs 51 other funds in Solution Oriented Scheme - Retirement Fund

Same plan
1-year return
1.96%median 4.84% (-2.88%)
Rank #38 of 52Beats 20% of peers
Bumpiness (3Y)
8.34%median 10.77% (-2.43%)
Rank #21 of 52Less risky than 57% of peers
Worst-ever drop
-9.77%median -14.49% (+4.72%)
Rank #34 of 52Less risky than 28% of peers

Descriptive rankings within the same category and plan. Not a recommendation — one fund beating another historically does not mean it will continue to do so.

Year by year

Calendar-year returns. 3 of last 4 years were positive.

+8%
2023
+15%
2024
+8%
2025
-2%
2026
Best year
2024 · 14.52%
Worst year
2026 · -1.90%

Price over time

How the per-unit price has moved. Tap a range to zoom in.

Bumpiness & worst drops

Day-to-day bumpiness
8.3%

The value swings roughly 8% up or down in a typical year. Finance-speak calls this volatility.

Worst drop ever
-9.77%

A lump sum invested at the previous peak would have temporarily lost about this much before recovering. Finance-speak calls this max drawdown.

Similar funds you might want to look at

Same category, same plan, sorted by 3-year return. Not recommendations — just neighbours.

Head-to-head comparisons

Side-by-side comparisons of BANDHAN RETIREMENT FUND - Direct Plan - Growth against other other funds.

Technical details (for the pros)
CAGR — 1 year1.96%
CAGR — 3 years—
CAGR — 5 years—
CAGR — since launch9.98%
Volatility — 1 year (annualised)8.33%
Volatility — 3 years (annualised)8.34%
Max drawdown — 1 year-9.77%
Max drawdown — 3 years-9.77%
Sharpe ratio — 1 year (rf=6%)-0.48
Sharpe ratio — 3 years (rf=6%)0.43

Fund info

Fund house
Bandhan Mutual Fund
Category
Solution Oriented Scheme - Retirement Fund
Plan
Direct
Option
Growth
ISIN (Growth)
INF194KB1GU2
ISIN (Div re-invest)
—
Fund code
152102
First price on record
19 Oct 2023 · 718 daily prices

About BANDHAN RETIREMENT FUND - Direct Plan - Growth

BANDHAN RETIREMENT FUND - Direct Plan - Growth is a Solution Oriented Scheme - Retirement Fund offered by Bandhan Mutual Fund under the Direct plan with the Growth option. It has approximately 3 years of NAV track record. The fund falls in the other category — A specialised fund. Check the scheme details for what it invests in.

The current NAV of BANDHAN RETIREMENT FUND - Direct Plan - Growth is ₹13.1420 (as of 4 Sep 2026). Historically, it has delivered 1.96% over the last year. Returns are historical and don't predict future performance.

Over the last three years, the fund's prices have moved with 8.3% annualised volatility — a "moderate" level of bumpiness; its deepest peak-to-trough fall on record was 9.8%. Being mentally prepared for drawdowns of this size is what separates long-term investors from reactive traders.

Frequently asked

What is the latest NAV of BANDHAN RETIREMENT FUND - Direct Plan - Growth?+

The latest NAV of BANDHAN RETIREMENT FUND - Direct Plan - Growth is ₹13.1420 as of 4 Sep 2026, down 0.09% from the previous day. NAV is updated once a business day after the market close.

What are the returns of BANDHAN RETIREMENT FUND - Direct Plan - Growth?+

BANDHAN RETIREMENT FUND - Direct Plan - Growth has delivered 1-year return 1.96%, since-inception CAGR 9.98%. Returns are historical and don't predict future performance — markets move in cycles.

What category does BANDHAN RETIREMENT FUND - Direct Plan - Growth belong to?+

BANDHAN RETIREMENT FUND - Direct Plan - Growth is categorised as Solution Oriented Scheme - Retirement Fund. A specialised fund. Check the scheme details for what it invests in.

How risky is BANDHAN RETIREMENT FUND - Direct Plan - Growth?+

Based on its 3-year annualised volatility of 8.3%, BANDHAN RETIREMENT FUND - Direct Plan - Growth sits in the "moderate" risk bucket. Volatility measures how much prices swing — higher means bigger ups and downs along the way.

Is BANDHAN RETIREMENT FUND - Direct Plan - Growth a direct plan?+

BANDHAN RETIREMENT FUND - Direct Plan - Growth is a Direct plan (no distributor commission — lower expense ratio) with the Growth option (all returns compound within the fund, no interim payouts).

How old is BANDHAN RETIREMENT FUND - Direct Plan - Growth?+

BANDHAN RETIREMENT FUND - Direct Plan - Growth has NAV history available from 19 Oct 2023 — approximately 3 years of track record and 718 daily NAV observations.

Numbers are computed from stored daily prices from mfapi.in/AMFI. This is descriptive analytics, not investment advice. Past performance is not indicative of future returns.