About Bandhan Retirement Fund
Bandhan Retirement Fund is a retirement fund managed by Bandhan Mutual Fund. Solution-oriented funds for retirement, with a lock-in of 5 years or until retirement age, whichever is earlier.
The investment objective of the Scheme is to provide long-term capital appreciation / income by investing in a mix of equity, debt, and other instruments to help investors meet their retirement goals. There is no assurance or guarantee that the objectives of the scheme will be realised.
The scheme's stated objective, as published by Bandhan Mutual Fund.
The NAV (net asset value) is the price of one unit of the fund. It is published by the fund house every business day and changes with the value of the fund's holdings. The Growth option reinvests all gains, so its NAV reflects the fund's total return.
Tax on your gains
How gains are taxed depends on what the scheme holds — equity, debt, gold or units of other funds each follow different rules. The scheme document states which applies.
Work out what you would owe with the capital gains tax calculator.
Every plan and option, with scheme codes
| Plan | Option | NAV | Scheme code |
|---|---|---|---|
| Direct | Growth | ₹13.585 | 152102 |
| Direct | IDCW | ₹13.574 | 152104 |
| Regular | Growth | ₹12.911 | 152103 |
| Regular | IDCW | ₹12.911 | 152105 |
Frequently asked questions
What is the NAV of Bandhan Retirement Fund today?
The NAV of Bandhan Retirement Fund (Direct plan, Growth) is ₹13.585 and the Regular plan NAV is ₹12.911, as of 13 Nov 2026.
What returns has Bandhan Retirement Fund given?
Over the last year the Direct plan returned 2.05%, and 10.44% a year over 3 years. That places it 14 of 27 funds in its category over 3 years. Past returns do not guarantee future returns.
What is the expense ratio of Bandhan Retirement Fund?
The Direct plan charges 0.96% a year, as disclosed on 30 Sept 2026. The fee is already taken out of the NAV, so the returns above are what you keep.
What is the minimum SIP amount in Bandhan Retirement Fund?
You can start a monthly SIP with ₹100, or invest a lump sum of ₹1,000 or more.
How much has Bandhan Retirement Fund fallen in the past?
Its deepest fall was 9.8% from 2 Jan 2026 to 30 Mar 2026. Of every one-year stretch in its history, 92% ended in a gain.
Which category does Bandhan Retirement Fund belong to?
It is a Retirement Fund from Bandhan Mutual Fund. Solution-oriented funds for retirement, with a lock-in of 5 years or until retirement age, whichever is earlier.
What is the difference between the Direct and Regular plan?
Both invest in the same portfolio. The Direct plan is bought straight from the fund house or a direct platform and has a lower expense ratio because no distributor commission is paid, so its NAV grows slightly faster over time.
How are gains from Bandhan Retirement Fund taxed?
How gains are taxed depends on what the scheme holds — equity, debt, gold or units of other funds each follow different rules. The scheme document states which applies.
Source: NAVs published by the fund house through AMFI. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns. This page is for information only and is not a recommendation to buy or sell.