Two funds walk into a table. Only the numbers talk.
Bajaj Finserv Gilt Fund vs Bandhan Gilt Fund
Pick two or three funds. We’ll tell you in plain words which grew faster, which was calmer, which costs less and what your money would have become. Figures are for the Direct plan, Growth option, where a fund has one.
- ABajaj Finserv Gilt Fund
Bajaj Finserv Mutual Fund- Gilt Fund
- Direct plan
- Low to Moderate Risk
NAV ₹1,082.22 on 13 Nov 2026
- BBandhan Gilt Fund
Bandhan Mutual Fund- Gilt Fund
- Direct plan
- Moderate Risk
NAV ₹41.09 on 13 Nov 2026
The short version
Who comes out ahead on each measure, over the 1 year all of them have been around.
Grew faster
BBandhan Gilt Fund
Bandhan Gilt Fund returned 7.2% in the last year, against 4.3% for Bajaj Finserv Gilt Fund. ₹1 lakh invested 1 year ago would be about ₹1.07 Lakh today, against ₹1.04 Lakh.
More consistent
No fair winner yet
Pick any day in the past and hold for a year: Bandhan Gilt Fund ended up in profit 97% of the time, against 83% for Bajaj Finserv Gilt Fund.
Not a fair fight: we only have data for Bajaj Finserv Gilt Fund (from Jan 2025), so it has not been through the 2020 crash the others fell in.
Costs less
ABajaj Finserv Gilt Fund
Bajaj Finserv Gilt Fund charges 0.47% a year, against 0.55% for Bandhan Gilt Fund. On ₹1 lakh that's ₹470 a year against ₹550, taken quietly from the NAV.
What your money would have become
The same amount, put into each fund on the same day.
The dashed line is the ₹10,000 you put in. Above it is profit, below it is loss.
- ABajaj Finserv Gilt Fund₹10,431 from ₹10,000(4.3% a year)
- BBandhan Gilt Fund₹10,723 from ₹10,000(7.2% a year)
A one-time ₹10,000 put in 1 year ago, valued at the latest NAV. This is what happened, not what will.
Strengths and watch-outs
Each fund judged against its own category, and against a 5-year SBI FD at 6.05%.
ABajaj Finserv Gilt Fund
- Strength: Low cost: 0.47% a year
- Watch out: Small fund (₹26 Cr), often newer or less tested
- Watch out: Less than 3 years of history, too short to judge
BBandhan Gilt Fund
- Strength: In the top quarter of its category over 5 years (#1 of 18)
- Watch out: Swings more than most funds in its category
All the numbers
The stronger figure in each row is marked Best. Under each return is the fund’s rank in its category and the category average.
| Measure | ABajaj Finserv Gilt Fund | BBandhan Gilt Fund |
|---|---|---|
| ReturnsHow much the fund grew. Beyond a year, this is per year (annualised). | ||
| 1 yearLast 12 months, the most noisy figure | 4.3%#2 of 23 · avg 3% | 7.2%Best#1 of 23 · avg 3% |
| 3 yearsPer year, over a full market mood swing | – | 8.1%#1 of 21 · avg 6.2% |
| 5 yearsPer year, the fairest single test | – | 6.4%#1 of 18 · avg 5.6% |
| 10 yearsPer year, across bull and bear markets | – | 7.6%#1 of 17 · avg 6.6% |
| RiskHow bumpy the ride was. This is what decides whether you stay invested. | ||
| Ups and downsVolatility: how far it swings in a typical year. Lower is calmer | 3.3%Bestcategory avg 3.1% | 3.5%category avg 3.1% |
| Worst fallThe biggest drop from a peak in 10 years. Lower is better | −3.9%data from 16 Jan 2025 only | −4.3%category avg −4.7% |
| Best 12 monthsIts strongest year | 5.8%data from 16 Jan 2025 only | 19.8% |
| Worst 12 monthsIts weakest year | -1.6%data from 16 Jan 2025 only | -1.4% |
| Odds of a gainShare of all 1-year holding periods that ended in profit | 83%data from 16 Jan 2025 only | 97% |
| Cost and sizeThe fee comes out of your returns every year, whether the fund does well or not. | ||
| Expense ratioYearly fee. Lower keeps more for you | 0.47%Best | 0.55% |
| Fund sizeMoney managed (AUM). Neither better nor worse | ₹26 Cr | ₹1,686 Cr |
| Minimum SIPSmallest monthly amount | ₹1,000 | ₹100Best |
| Lock-inTime before you can withdraw | None | None |
“Best” is not a recommendation: a fund that returned more usually took more risk to do it.
Which one fits you?
There is no best fund, only a better fit for what you need the money to do.
ABajaj Finserv Gilt Fund
Might suit you if…
- you care about keeping costs low, which adds up over decades
BBandhan Gilt Fund
Might suit you if…
- you want the stronger long-run growth and can sit through sharper falls