Download App
HomeOur StoryMethodologyLearnFAQs

Bandhan Short Term Fund

Short DurationLow to ModerateOPEN-ENDED
Invest Now
NAV as on 24 Sep 2026
₹61.18-0.08%1 day
Return since launch
7.3%
52-week range
₹57.91 — ₹61.22
AUM
₹8,731 Cr

Bandhan Short Term Fund is a Short Duration debt fund from Bandhan Mutual Fund with ₹8,731 Cr under management, launched in 2000. Over three years it has returned 6.7% a year, against 6.7% for its category. The expense ratio is 0.84% and the SEBI riskometer reading is Low to Moderate.

Performance

Bandhan Short Term Fund NAV and returns

Growth of the fund against its category average over the period you pick.

Over 1Y this fund returned +5.6% against +4.9% for its category.

Performance

Returns

How the fund has done against its category and its benchmark.

Trailing returns
PeriodFundvs categoryCategoryBenchmark
1Y5.9%+1.2 pts4.8%4.9%
2Y6.2%+0.7 pts5.5%5.6%
3Y6.7%0.0 pts6.7%6.3%
5Y6.7%+0.6 pts6.1%6.4%
7Y6.3%+0.1 pts6.3%6.1%
10Y6.5%+0.2 pts6.3%6.3%

Fund against category

1Y
Fund5.9%
Category4.8%
3Y
Fund6.7%
Category6.7%
5Y
Fund6.7%
Category6.1%

Since launch (13 Dec 2000): 7.3%

Calendar-year returns

Category average
Show as a table
Calendar-year returns
PeriodFundvs categoryCategory
20257.5%−0.6 pts8.1%
20247.8%−0.5 pts8.3%
20236.9%−0.4 pts7.3%
20222.8%−2.2 pts5.0%
20213.4%−1.2 pts4.5%
20209.7%−0.1 pts9.8%

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

0.87%

Expense ratio as on 22 Sep 2026

Charged yearly and already deducted from the NAV.

Base expense
0.72%
Brokerage
0.02%
Transaction charges
0.00%
Statutory levies
0.13%
Exit load
Exit load of 0.25% if redeemed within 1 month
Lock-in
None

Terms

Min SIP
₹3,000
Min lumpsum
₹5,000
Plan
GROWTH
Fund type
OPEN-ENDED
Benchmark
NIFTY SD Debt Index A-II

Risk

Risk

What the riskometer means for this fund, and how its ratios sit against the category.

Low to Moderate

Your principal is treated as being at low to moderate risk — typically short duration debt schemes.

Risk ratios
RatioFundCategory avgRead 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.
Sharpe0.910.95Return earned for each unit of total risk taken. Higher is better.
Sortino1.661.58Return earned for each unit of downside risk. Higher is better.
Std. deviation1.431.33How widely monthly returns have varied around their own average. Lower is steadier.
Average of 4 category peers

Portfolio

Bandhan Short Term Fund portfolio

Portfolio as of 31 Aug 2026

Asset allocation

  • Debt86.0%
  • Other14.0%

Top holdings

HoldingSectorWeightValue3M chg6M chg1Y chg
OthersOthers14.36%₹1,255 Cr+1.52%+1.21%+1.12%
LIC Housing Finance Ltd.Financial4.25%₹370 Cr+2.40%+3.91%+3.76%
Tata Capital Housing Finance Ltd.Financial3.43%₹300 Cr+5.98%+4.90%+4.72%
REC Ltd.Financial2.73%₹238 Cr+4.52%+0.49%—
Bajaj Housing Finance Ltd.Financial2.45%₹214 Cr+2.96%+2.42%+0.46%
Tata Capital Ltd.Financial2.30%₹200 Cr———
Small Industries Devp. Bank of India Ltd.Financial2.27%₹198 Cr+2.38%+2.43%+2.76%
Indian Railway Finance Corporation Ltd.Financial2.14%₹187 Cr+2.76%+1.48%—
Union Bank of IndiaFinancial1.94%₹169 Cr+0.56%+0.29%+4.12%
Sundaram Finance Ltd.Financial1.71%₹149 Cr———

Sectors

  • Financial83.4%
  • Others15.2%
  • Sovereign1.4%

Instruments

  • Certificate of Deposit33.6%
  • Debenture17.9%
  • Non Convertible Debenture15.6%
  • Bonds11.8%
  • Reverse Repo10.7%
  • Net Current Assets3.3%
  • Bonds/NCDs2.3%
  • Floating Rate Bond1.9%

Recent changes

HoldingFromToWeight
National Bank For Financing Infrastructure And Development1.24%0.17%-1.07%
HDFC Bank Ltd.0.26%0.79%+0.53%
Kotak Mahindra Prime Ltd.0.27%0.57%+0.30%
Indian Railway Finance Corporation Ltd.1.08%1.32%+0.24%
Indian Bank1.04%0.81%-0.23%
Small Industries Devp. Bank of India Ltd.2.15%1.99%-0.16%
Tata Capital Housing Finance Ltd.2.70%2.86%+0.16%
Tata Capital Ltd.2.17%2.30%+0.13%
REC Ltd.2.04%2.16%+0.12%
Bajaj Housing Finance Ltd.2.17%2.28%+0.11%
Canara Bank1.55%1.66%+0.11%
Sundaram Finance Ltd.1.62%1.71%+0.09%
Punjab National Bank1.03%1.10%+0.07%
Kotak Mahindra Bank Ltd.0.79%0.84%+0.05%
LIC Housing Finance Ltd.0.81%0.86%+0.05%
Axis Bank Ltd.0.52%0.56%+0.04%
ICICI Bank Ltd.0.52%0.56%+0.04%
Bajaj Finance Ltd.0.53%0.57%+0.04%
Bank Of Baroda0.78%0.81%+0.03%
Maharashtra State0.38%0.40%+0.02%
Union Bank of India0.26%0.28%+0.02%
Karnataka State0.39%0.41%+0.02%
National Bank For Agriculture & Rural Development0.27%0.29%+0.02%
Others0.34%0.36%+0.02%
Power Finance Corporation Ltd.0.27%0.29%+0.02%
Tata Capital Financial Services Ltd.0.27%0.29%+0.02%
Jio Credit Ltd.0.27%0.28%+0.01%
GOI0.01%0.01%0.00%

Compare

Similar funds

The rest of the category, so this fund’s numbers have something to sit against.

FundAUMExpense1Y3Y5Y
Category average₹11,793 Cr0.92%5.1%6.5%6.7%
ICICI Prudential Short Term Fund₹19,403 Cr1.05%5.3%6.6%6.9%
HDFC Short Term Fund₹14,486 Cr0.72%4.9%6.5%6.7%
Axis Short Term Fund₹7,501 Cr0.93%5.2%6.7%6.7%
Aditya Birla Sun Life Short Term Fund₹5,782 Cr0.96%4.9%6.4%6.6%

About

About this fund

The scheme’s own words, its benchmark and the people running it.

Investment objective

The scheme seeks to invest in a diversified set of debt and money market securities with the aim of generating optimal returns over short term such that the Macaulay duration of the portfolio is between 1 year and 3 years.

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.
Scheme information document

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 pastTotal investmentWould’ve becomeGrowthReturns
6 months3.50% absolute₹60,000₹62,1003.50%
1 year5.62% annualised₹1,20,000₹1,23,7163.10%
3 years7.17% annualised₹3,60,000₹4,02,71411.87%
5 years6.00% annualised₹6,00,000₹7,01,18916.86%

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.

What is the NAV of Bandhan Short Term Fund?
The NAV of Bandhan Short Term Fund is ₹61.18 as on 24 Sep 2026.
What is the expense ratio of Bandhan Short Term Fund?
The expense ratio of Bandhan Short Term Fund is 0.84% per year.
What is the minimum SIP amount for Bandhan Short Term Fund?
You can start a SIP in Bandhan Short Term Fund with ₹3,000 a month.
What returns has Bandhan Short Term Fund given?
Bandhan Short Term Fund has returned 5.9% over 1 year, 6.7% over 3 years and 6.7% over 5 years (annualised).
Is there a lock-in or exit load on Bandhan Short Term Fund?
Lock-in: None. Exit load: Exit load of 0.25% if redeemed within 1 month.
How risky is Bandhan Short Term Fund?
Bandhan Short Term Fund is rated Low to Moderate on the SEBI riskometer and belongs to the Short Duration category.
Which fund house manages Bandhan Short Term Fund?
Bandhan Short Term Fund is managed by Bandhan Mutual Fund, which runs 70 schemes with ₹2,06,009 Cr under management.