Bandhan Financial Services FUND

Sectoral / ThematicEquityVery High risk Rank 72 of 157

NAV · Direct-Growth

₹15.78-0.04-0.25%

As of 18 Aug 2026 · AMFI

NAV growth+3.9%

Aug ’25Aug ’26

Arthkar verdictSolid on the numbers

Returns

Mixed vs category

1 of 2 periods ahead

Cost

Average

0.55% vs NaN% peers

Volatility

Below average

16.1% vs 17.1% cat (3Y)

Consistency

Steady

positive in 2 of 3 years

Beats its Sectoral / Thematic category on 3Y but trails on 1Y — and has been steadier than peers.

1Y return

+3.9%

-5.6 vs cat

3Y CAGR

+17.3%

+0.1 vs cat

5Y CAGR

—

AUM

₹1.1K Cr

fund size

Expense

0.55%

direct plan

Volatility 3Y

16.1%

▼ vs 17.1%

Go deeper on Bandhan Financial Services FUND

Two data-only views, computed from this fund's real NAV history — no projections.

Bandhan Financial Services FUND SIP returnsWhat ₹1,000–₹25,000/month actually became, 3 to 20 years — real results, with drawdowns and an FD comparison.Bandhan Financial Services FUND real oddsYour real chances over every start date in history — how often it made money and beat a fixed deposit.

In plain English

BANDHAN FINANCIAL SERVICES FUND is a Sectoral / Thematic scheme from Bandhan. The portfolio is ~97% in equities. 3-year CAGR: about 17.3%. Worst historical drawdown: -17% in Mar 2026 — ongoing. Wrong fit if you need this money in less than 7 years.

Auto-generated from holdings, returns and risk data. No paid placement, no copy-pasted boilerplate.

NAV history

Showing Direct · Growth · INF194KB1GB2

NAV (Direct-Growth)

₹15.7780

Last 1Y

+3.90%

Aug 25Min ₹13.40 · Max ₹16.20 · 252 ptsAug 26

Drawdown stories

The crashes you should know about — and how long the fund took to recover.

Mar 2026 — ongoing

-17.3%

Peak ₹16.20 on 6 Jan 2026 → trough ₹13.40 on 30 Mar 2026 (3 months down).

Not yet recovered

Mar 2025

-13.5%

Peak ₹14.98 on 23 Sept 2024 → trough ₹12.96 on 3 Mar 2025 (5 months down).

Recovered in 3 months· 26 May 2025

Computed from the full NAV history. We show drawdowns deeper than 10%, sorted by depth.

Honesty score

A 1–5 grade on the dimensions other sites won't surface — expense bloat, AUM bloat, concentration, mandate compliance.

Honesty score

4 / 5

Solid scheme on the dimensions we check. No red flags.

Expense ratio
0.55% — well below typical 1% for equity.
AUM size
₹1.1K Cr.
Sector concentration
Top 3 sectors = 95.6% — heavy concentration risk.

Computed from expense ratio, AUM, sector concentration and SEBI mandate compliance. No paid review.

Performance

Returns for various periods, with category average and peer rank.

Period	Returns	Category avg	Rank
1W	-0.63%	-0.40%	155/ 286
1M	-1.47%	+2.47%	265/ 286
3M	+7.14%	+8.01%	158/ 286
6M	-2.00%	+6.33%	231/ 278
YTD	-1.41%	+6.03%	221/ 273
1Y	+3.90%	+9.52%	180/ 258
2Y	+8.23%	+5.82%	65/ 203
3Y	+17.25%	+17.18%	72/ 157

Portfolio composition

Asset allocation

Equity96.79%
Cash3.21%

By market cap

Large cap54.88%
Mid cap21.00%
Small cap14.16%
Others9.96%

Concentration

Holdings

Avg market cap

₹1.60 L Cr

Top 10 stocks

53.67%

Top 5 stocks

40.39%

Top 3 sectors

95.63%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight

1
HDFC Bank Ltd
—15.74%
2
ICICI Bank Ltd
—14.28%
1
ICICI Bank Ltd
—13.31%
2
HDFC Bank Ltd
—13.10%
3
Kotak Mahindra Bank Ltd
—5.01%
3
Kotak Mahindra Bank Ltd
—4.90%
4
Axis Bank Ltd
—4.74%
4
Axis Bank Ltd
—4.52%
5
State Bank of India
—4.34%
5
State Bank of India
—3.97%
7
Bajaj Finance Ltd
—3.78%
7
Bajaj Finance Ltd
—3.36%
8
Cholamandalam Investment and Finance Co Ltd
—2.66%
8
Shriram Finance Ltd
—2.50%
9
Max Financial Services Ltd
—2.47%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff

P/E ratio19.2418.31+0.93
P/B ratio2.242.26-0.02
Price / Sales3.733.94-0.21
Price / Cash Flow—0.00—
Dividend yield0.89%0.94%-0.05
Return on equity (ROE)14.63%15.70%-1.07

Risk metrics

Standard deviation, Sharpe, Sortino, Beta — all vs category average.

Metric1Y3Y5YCat 1YCat 3YCat 5Y

Standard deviation
Volatility — lower means steadier returns.
13.20——22.8417.0817.14
Sharpe ratio
Risk-adjusted return — higher is better.
-0.15——0.010.420.45
Sortino ratio
Like Sharpe but only counts downside volatility.
-0.20——0.020.630.70
Beta
1 = moves with the market. <1 = less volatile.
1.00——1.040.980.97

Peers in Sectoral / Thematic

Other schemes in the same SEBI category, ranked by AUM.

Peer fundAUM1Y3Y CAGRExpense

Peers in same SEBI category, ranked by AUM. Compare any →

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