Bandhan Dynamic Term Fund
- NAV as on 9 Nov 2026
- ₹35.97+0.04%1 day
- Return since launch
- 7.4%
- 52-week range
- ₹33.93 — ₹36.14
- AUM
- ₹1,892 Cr
Bandhan Dynamic Term Fund is a Dynamic Bond debt fund from Bandhan Mutual Fund with ₹1,892 Cr under management, launched in 2008. Over three years it has returned 5.5% a year, against 6.2% for its category. The expense ratio is 1.65% and the SEBI riskometer reading is Low to Moderate.
Performance
Bandhan Dynamic Term Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +5.8% against +3.3% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 6.0% | +2.8 pts | 3.1% | 3.6% |
| 2Y | 5.0% | +1.3 pts | 3.7% | 3.9% |
| 3Y | 5.5% | −0.7 pts | 6.2% | 4.9% |
| 5Y | 5.9% | +0.5 pts | 5.4% | 5.6% |
| 7Y | 5.6% | 0.0 pts | 5.6% | 5.5% |
| 10Y | 6.1% | +0.1 pts | 6.0% | 5.7% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 0.3% | −0.6 pts | 0.9% | 0.9% |
| 3M | 0.1% | +0.3 pts | -0.3% | -0.0% |
| 6M | 3.7% | +1.4 pts | 2.4% | 2.3% |
| 1Y | 5.8% | +2.6 pts | 3.1% | 3.2% |
| 2Y | 4.6% | 0.0 pts | 4.6% | 4.8% |
| 3Y | 6.9% | +0.7 pts | 6.2% | 6.2% |
| 5Y | 5.3% | −0.1 pts | 5.4% | 5.4% |
| 7Y | 6.0% | +0.1 pts | 5.8% | 5.7% |
| 10Y | 6.3% | +0.4 pts | 6.0% | 5.9% |
Since launch (1 Dec 2008): 7.4%
Calendar-year returns
Category averageShow as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 3.4% | −2.9 pts | 6.3% |
| 2024 | 9.9% | +0.6 pts | 9.3% |
| 2023 | 6.4% | −0.9 pts | 7.3% |
| 2022 | 1.0% | −2.8 pts | 3.8% |
| 2021 | 1.8% | −2.4 pts | 4.2% |
| 2020 | 12.9% | +2.5 pts | 10.5% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
1.65%
Expense ratio as on 5 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.38%
- Brokerage
- 0.02%
- Transaction charges
- 0.01%
- Statutory levies
- 0.24%
- Exit load
- Exit load of 0.50% is applicable if units are redeemed/ switched out within 3 months from the date of allotment.
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- NIFTY Composite Debt Index A-III
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Your principal is treated as being at low to moderate risk — typically short duration debt schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.31 | 0.40 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.44 | 0.69 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 4.47 | 2.72 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 4 category peers | |||
Portfolio
Bandhan Dynamic Term Fund portfolio
Portfolio as of 30 Sep 2026
Asset allocation
- Debt61.4%
- Other38.6%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 60.79% | ₹1,161 Cr | +1.80% | +1.68% | +1.28% |
| Punjab National Bank | Financial | 7.67% | ₹147 Cr | — | — | — |
| Small Industries Devp. Bank of India Ltd. | Financial | 6.14% | ₹117 Cr | — | +4.73% | — |
| Canara Bank | Financial | 3.85% | ₹73.62 Cr | — | — | — |
| Tata Capital Housing Finance Ltd. | Financial | 3.12% | ₹59.52 Cr | +2.99% | +2.85% | — |
| Indian Bank | Financial | 2.57% | ₹49.07 Cr | — | — | — |
| Bank Of Baroda | Financial | 2.56% | ₹48.96 Cr | +0.24% | — | — |
| Bajaj Housing Finance Ltd. | Financial | 1.54% | ₹29.43 Cr | +2.72% | +8.90% | — |
| Union Bank of India | Financial | 1.28% | ₹24.50 Cr | — | — | — |
| GOI | Sovereign | 1.27% | ₹24.18 Cr | +8.94% | +0.10% | +0.63% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Punjab National Bank | 0.00% | 7.67% | +7.67% |
| GOI | 6.94% | 1.27% | -5.67% |
| Canara Bank | 0.00% | 3.85% | +3.85% |
| Indian Bank | 0.00% | 2.57% | +2.57% |
| Bank Of Baroda | 0.00% | 2.56% | +2.56% |
| Union Bank of India | 0.00% | 1.28% | +1.28% |
| Small Industries Devp. Bank of India Ltd. | 6.06% | 6.14% | +0.08% |
| Tata Capital Housing Finance Ltd. | 3.11% | 3.12% | +0.01% |
| Bajaj Housing Finance Ltd. | 1.53% | 1.54% | +0.01% |
| Others | 0.47% | 0.47% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹1,978 Cr | 1.14% | 5.4% | 6.0% | 6.5% |
 SBI Dynamic Term Fund | ₹3,457 Cr | 1.37% | 4.8% | 5.5% | 6.2% |
 Kotak Dynamic Term Fund | ₹2,168 Cr | 1.35% | 5.7% | 5.9% | 6.3% |
 Aditya Birla Sun Life Dynamic Term Fund | ₹1,340 Cr | 1.22% | 5.0% | 6.1% | 6.7% |
 Axis Dynamic Term Fund | ₹949 Cr | 0.64% | 5.9% | 6.5% | 6.7% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to generate optimal returns by active management of the portfolio by investing in debt and money market instruments across maturities.
Fund managers
- Suyash ChoudharyMr. Choudhary is a B.A (H) Economics from Delhi University and PGDM from IIM Calcutta.Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) he has worked with HSBC Asset Management (India) Pvt. Ltd., Standard Chartered Asset Management Co. Pvt. Ltd. and Deutsche Bank.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months3.70% absolute | ₹60,000 | ₹62,220 | 3.70% | |
| 1 year5.76% annualised | ₹1,20,000 | ₹1,23,811 | 3.18% | |
| 3 years6.92% annualised | ₹3,60,000 | ₹4,01,121 | 11.42% | |
| 5 years5.26% annualised | ₹6,00,000 | ₹6,87,592 | 14.60% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.