Bandhan Floating Interest Rates Fund
- NAV as on 24 Sep 2026
- ₹13.85-0.12%1 day
- Return since launch
- 6.0%
- 52-week range
- ₹13.07 — ₹13.87
- AUM
- ₹228 Cr
Bandhan Floating Interest Rates Fund is a Floater debt fund from Bandhan Mutual Fund with ₹228 Cr under management, launched in 2021. Over three years it has returned 6.9% a year, against 7.2% for its category. The expense ratio is 0.72% and the SEBI riskometer reading is Moderate.
Performance
Bandhan Floating Interest Rates Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +6.0% against +5.6% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 6.3% | +0.5 pts | 5.8% | 5.5% |
| 2Y | 6.5% | +0.2 pts | 6.2% | 6.1% |
| 3Y | 6.9% | −0.3 pts | 7.2% | 6.7% |
| 5Y | 6.9% | +0.5 pts | 6.4% | 6.8% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 0.3% | 0.0 pts | 0.2% | 0.2% |
| 3M | 1.1% | +0.1 pts | 1.1% | 1.0% |
| 6M | 3.6% | +0.4 pts | 3.3% | 3.0% |
| 1Y | 6.0% | +0.2 pts | 5.8% | 5.6% |
| 2Y | 6.9% | +0.1 pts | 6.8% | 6.8% |
| 3Y | 7.2% | 0.0 pts | 7.2% | 7.1% |
| 5Y | 6.2% | −0.1 pts | 6.4% | 6.3% |
Since launch (10 Feb 2021): 6.0%
Calendar-year returns
Category averageShow as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 7.6% | −0.5 pts | 8.0% |
| 2024 | 7.9% | −0.7 pts | 8.5% |
| 2023 | 6.8% | −1.0 pts | 7.7% |
| 2022 | 3.7% | −0.8 pts | 4.5% |
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
0.71%
Expense ratio as on 22 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 0.62%
- Brokerage
- 0.00%
- Transaction charges
- 0.00%
- Statutory levies
- 0.09%
- Exit load
- 0%
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- NIFTY Medium Duration 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 moderate risk — typically medium duration debt and conservative hybrid 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 | 1.03 | 1.22 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 1.86 | 2.29 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 1.31 | 1.41 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 4 category peers | |||
Portfolio
Bandhan Floating Interest Rates Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Debt91.8%
- Other8.2%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 8.82% | ₹20.08 Cr | +2.80% | +2.20% | +1.80% |
| IndiGrid Infrastructure Trust | Capital Goods | 8.68% | ₹19.77 Cr | +11.30% | +9.15% | +7.66% |
| Bajaj Housing Finance Ltd. | Financial | 8.67% | ₹19.73 Cr | +9.03% | +7.32% | +7.63% |
| Aditya Birla Real Estate Ltd | Consumer Staples | 6.61% | ₹15.06 Cr | +6.87% | +5.54% | +4.64% |
| Tata Projects Ltd. | Construction | 6.58% | ₹15.00 Cr | +6.88% | +5.55% | — |
| Aadhar Housing Finance Ltd | Financial | 6.55% | ₹14.91 Cr | +6.83% | +5.55% | — |
| Small Industries Devp. Bank of India Ltd. | Financial | 6.55% | ₹14.91 Cr | — | — | — |
| Bajaj Finance Ltd. | Financial | 6.52% | ₹14.84 Cr | +6.81% | +9.18% | +7.66% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | 6.51% | ₹14.82 Cr | +6.80% | +5.47% | — |
| Godrej Properties Ltd. | Construction | 4.41% | ₹10.04 Cr | +2.30% | +1.85% | +3.10% |
| company:442 | Financial | 4.32% | ₹9.83 Cr | — | — | — |
| GOI | Sovereign | 4.23% | ₹9.63 Cr | +4.62% | +10.99% | +21.71% |
| National Bank For Agriculture & Rural Development | Financial | 3.94% | ₹8.98 Cr | +4.12% | +3.71% | +10.82% |
| Muthoot Finance Ltd. | Financial | 2.20% | ₹5.02 Cr | +2.31% | +1.86% | +3.10% |
| Godrej Finance Ltd. | Financial | 2.20% | ₹5.01 Cr | +2.30% | +3.70% | +3.11% |
| Punjab National Bank | Financial | 2.13% | ₹4.86 Cr | — | — | — |
| HDFC Bank Ltd. | Financial | 2.12% | ₹4.83 Cr | — | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| company:442 | 0.00% | 4.32% | +4.32% |
| Godrej Properties Ltd. | 2.24% | 4.41% | +2.16% |
| IndiGrid Infrastructure Trust | 8.87% | 8.68% | -0.19% |
| Bajaj Housing Finance Ltd. | 8.85% | 8.67% | -0.18% |
| Small Industries Devp. Bank of India Ltd. | 6.70% | 6.55% | -0.15% |
| Bajaj Finance Ltd. | 6.66% | 6.52% | -0.14% |
| Godrej Seeds & Genetics Ltd. | 6.64% | 6.51% | -0.14% |
| Aadhar Housing Finance Ltd | 6.68% | 6.55% | -0.14% |
| Tata Projects Ltd. | 6.71% | 6.58% | -0.13% |
| Aditya Birla Real Estate Ltd | 6.74% | 6.61% | -0.13% |
| GOI | 4.35% | 4.23% | -0.12% |
| National Bank For Agriculture & Rural Development | 4.03% | 3.94% | -0.08% |
| Muthoot Finance Ltd. | 2.24% | 2.20% | -0.04% |
| Godrej Finance Ltd. | 2.24% | 2.20% | -0.04% |
| Punjab National Bank | 2.16% | 2.13% | -0.02% |
| HDFC Bank Ltd. | 2.14% | 2.12% | -0.02% |
| Others | 0.55% | 0.54% | -0.01% |
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 | ₹2,517 Cr | 0.63% | 6.2% | 6.9% | 7.1% |
 ICICI Prudential Floating Interest Rates Fund | ₹9,119 Cr | 0.85% | 5.7% | 6.8% | 7.0% |
 SBI Floating Interest Rates Fund | ₹688 Cr | 0.42% | 6.5% | 7.0% | 7.1% |
 Axis Floating Interest Rates Fund | ₹149 Cr | 0.53% | 7.0% | 7.4% | 7.5% |
 Tata Floating Interest Rates Fund | ₹114 Cr | 0.72% | 5.7% | 6.6% | 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 returns by creating a portfolio that is primarily invested in floating rate instruments, including fixed rate instrument.
Fund managers
- Brijesh ShahMr. Shah is a Post Graduate Diploma in Finance.Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) he has worked with IDBI Mutual Fund, IndiaBulls Mutual Fund, Mata Securities & Twenty First Century.
- Debraj LahiriMr. Lahiri has done B.Tech and MBAPrior to joining Bandhan Mutual Fund, he has worked with ICICI Prudential AMC Ltd, Invesco Asset Management (India) Pvt. Ltd, CARE Ratings and Bank of Baroda
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 months3.65% absolute | ₹60,000 | ₹62,190 | 3.65% | |
| 1 year6.00% annualised | ₹1,20,000 | ₹1,23,972 | 3.31% | |
| 3 years7.23% annualised | ₹3,60,000 | ₹4,03,097 | 11.97% | |
| 5 years6.23% annualised | ₹6,00,000 | ₹7,05,484 | 17.58% |
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.