Bandhan Retirement Fund
Direct · Growth ₹12.76
21 Oct 2026
NAV
8.6%
3Y CAGR
8.2%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
0.08
Sharpe
-9.8%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
0.80%
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.34 L | 6.0% | -12.5% | 31.0% |
| 3 Years | ₹36.00 L | ₹37.83 L | 3.5% | 1.6% | 5.6% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 6.0% | 14.3% | 6.8% | -8.2% |
| 3 Years | 3.5% | 11.0% | 12.9% | -7.5% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 7.0% | 6.2% | -3.6% | 25.5% | 0.08 | 0.15 | 94% | — | — |
| 3 Years | 8.6% | 8.6% | 8.6% | 8.6% | — | — | 100% | — | — |
-9.8%
Max Drawdown
3 mo
Drawdown Duration
Not recovered
Recovery Time
-2.2%
Avg Drawdown
Calmar Ratio by Duration
0.71
1Y
0.88
3Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +1.51 | 0.63 | 63.4% | 58.5% | -3.2% | -11.4% |
| 3 Years | +2.87 | 0.59 | 60.8% | 54.1% | 8.7% | 5.4% |
| 5 Years | +0.59 | 0.59 | 60.8% | 54.1% | 5.2% | 3.2% |
| 7 Years | -0.36 | 0.59 | 60.8% | 54.1% | 3.6% | 2.3% |
| 10 Years | -1.06 | 0.59 | 60.8% | 54.1% | 2.5% | 1.6% |
| 12 Years | -1.34 | 0.59 | 60.8% | 54.1% | 2.1% | 1.3% |
| 15 Years | -1.60 | 0.59 | 60.8% | 54.1% | 1.7% | 1.1% |