Bandhan Retirement Fund Direct-Growth
Hybrid: Aggressive Hybrid - Growth (Open ended)
SEBI Riskometer: Very HighCategory: Hybrid: Aggressive HybridBenchmark: CRISIL Hybrid 50+50 Moderate IndexCheck Portfolio Overlap →
NAV: ₹12.68-0.60%
22 Oct 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Bandhan Retirement Fund Direct-Growth.
Market Cap Distribution
Large Cap (78.9%)
Mid Cap (14.6%)
Small Cap (6.5%)
Historical Asset Allocation
| Asset | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Equity | 65.01% | 62.63% | 62.28% | 61.60% | 61.71% | 61.59% |
| Debt | 22.01% | 21.31% | 21.16% | 21.86% | 21.31% | 21.18% |
| Others (incl. cash) | 12.98% | 16.06% | 16.55% | 16.54% | 16.98% | 17.23% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Portfolio Snapshot
No. of Securities
52
P/E Ratio
21.67
P/B Ratio
3.12
Top Holding %
22.01%
Top 5 Holdings %
53.66%
Top 10 Holdings %
70.85%
Modified Duration
9.71 yrs
Avg. Maturity
23.24 yrs
Yield to Maturity
7.40%
AUM
₹174 Cr
Expense Ratio
1.03%
Since Inception
8.21%
Max Drawdown
-0.10%
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| Reliance Industries Ltd. | Energy | 96,500 | 11.45 | 6.56% | 1.48%↑ |
| HDFC Bank Ltd. | Financial | 1,60,000 | 11.34 | 6.50% | 2.41%↑ |
| ICICI Bank Ltd. | Financial | 74,000 | 9.78 | 5.61% | 0.81%↑ |
| Kotak Mahindra Bank Ltd. | Financial | 1,83,000 | 7.63 | 4.37% | 0.61%↑ |
| Titan Company Ltd. | Consumer Discretionary | 13,920 | 6.39 | 3.66% | -0.25%↓ |
| Bharti Airtel Ltd. | Communication | 33,250 | 5.84 | 3.35% | -2.10%↓ |
| Infosys Ltd. | Technology | 55,000 | 5.47 | 3.13% | 1.50%↑ |
| Maruti Suzuki India Ltd. | Automobile | 3,900 | 4.67 | 2.67% | 0.88%↑ |
| Axis Bank Ltd. | Financial | 38,000 | 4.66 | 2.67% | 0.74%↑ |
| Hitachi Energy India Ltd. | Capital Goods | 1,483 | 4.54 | 2.60% | -0.15%↓ |
| Larsen & Toubro Ltd. | Construction | 10,500 | 3.95 | 2.26% | -1.55%↓ |
| Tata Consultancy Services Ltd. | Technology | 17,500 | 3.59 | 2.06% | 0.74%↑ |
| ITC Ltd. | Consumer Staples | 1,33,000 | 3.49 | 2.00% | 0.60%↑ |
| Bajaj Finserv Ltd. | Financial | 18,000 | 3.12 | 1.79% | - |
| Info Edge (India) Ltd. | Services | 23,390 | 2.85 | 1.63% | -0.06%↓ |
| Jindal Steel Ltd. | Metals & Mining | 20,000 | 2.27 | 1.30% | -0.01%↓ |
| Hero Motocorp Ltd. | Automobile | 4,195 | 2.2 | 1.26% | -0.00%↓ |
| Vishnu Chemicals Ltd. | Chemicals | 30,083 | 2 | 1.15% | 0.07%↑ |
| Max Financial Services Ltd. | Financial | 14,507 | 1.99 | 1.14% | -0.11%↓ |
| Eternal Ltd. | Services | 60,000 | 1.92 | 1.10% | 0.02%↑ |
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Sector-wise Portfolio Allocation
Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.
| Sector | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Financial | 22.62% | 18.79% | 18.43% | 18.69% | 17.73% | 17.89% |
| Energy | 6.61% | 4.00% | 4.06% | 4.11% | 4.18% | 4.45% |
| Technology | 5.92% | 3.75% | 3.71% | 3.27% | 3.74% | 3.82% |
| Automobile | 4.67% | 4.34% | 4.30% | 4.17% | 4.12% | 4.12% |
| Consumer Staples | 4.63% | 3.98% | 4.25% | 4.30% | 4.36% | 4.53% |
| Communication | 3.46% | 5.58% | 5.99% | 5.69% | 5.66% | 5.78% |
| Capital Goods | 3.31% | 4.29% | 4.06% | 4.30% | 4.60% | 4.02% |
| Services | 2.74% | 3.91% | 3.69% | 3.35% | 3.27% | 3.13% |
| Chemicals | 2.03% | 1.93% | 1.86% | 1.82% | 1.85% | 1.85% |
| Materials | 1.96% | 1.91% | 1.95% | 2.02% | 2.06% | 2.05% |
| Metals & Mining | 1.94% | 3.46% | 3.26% | 3.20% | 3.67% | 3.57% |
| Healthcare | 1.93% | 1.94% | 2.03% | 2.06% | 1.97% | 1.89% |
| Insurance | 1.36% | 1.38% | 1.40% | 1.44% | 1.39% | 1.36% |
| Consumer Discretionary | 1.06% | 1.13% | 1.08% | 0.98% | 0.91% | 0.98% |
| Construction | 0.77% | 2.24% | 2.21% | 2.20% | 2.20% | 2.15% |
Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| SOV | 22.01% | 6.44% |
| Cash & Call Money | 12.40% | 5.02% |
| Cash | 0.57% | 0.07% |
| Others | 0.00% | 0.03% |
| A | - | 0.01% |
| A+ | - | 0.06% |
| A1+ | - | 2.84% |
| AA | - | 0.60% |
| AA+ | - | 1.82% |
| AA- | - | 0.40% |
| AAA | - | 5.96% |
| B+ | - | 0.00% |
| BBB | - | 0.00% |
| D | - | 2.32% |
| Term Deposits | - | 0.05% |
Equity Insights
A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.
Style Analysis
Value score
54.0 / 100
Weighted average Value score is 54.0. This indicates that portfolio is relatively reasonably valued using composite of value measures.
Price Momentum score
58.0 / 100
Weighted average Price Momentum score is 58.0. This indicates that portfolio has average momentum using composite of momentum measures.
Quality score
71.2 / 100
Weighted average Quality score is 71.2. This indicates that portfolio has average quality using composite of quality measures.
QVM score
70.2 / 100
Weighted average QVM score is 70.2. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.
Red Flags
Debt Insights
A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.
SEBI PRC matrix
Credit risk
| Interest risk | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| GOI | GOI Securities | 7.30% | 19/06/2053 | SOV | 22.01% |
| Others | Margin Money | 0.00% | 0 | - | 0.00% |
Frequently Asked Questions
What are the top holdings of Bandhan Retirement Fund Direct-Growth?
The top holdings of Bandhan Retirement Fund Direct-Growth as of 30 Sep 2026 are GOI (22.01%), Others (12.98%), Reliance Industries Ltd. (6.56%), HDFC Bank Ltd. (6.50%), ICICI Bank Ltd. (5.61%). These top 5 stocks together account for 53.66% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does Bandhan Retirement Fund Direct-Growth hold in its portfolio?
Bandhan Retirement Fund Direct-Growth holds 52 stocks in its portfolio as of 30 Sep 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of Bandhan Retirement Fund Direct-Growth?
As of 30 Sep 2026, Bandhan Retirement Fund Direct-Growth's top sector allocations are Financial (22.62%), Energy (6.61%), Technology (5.92%). You can find detailed sector allocation above.
What is the equity and debt allocation of Bandhan Retirement Fund Direct-Growth?
As of 30 Sep 2026, Bandhan Retirement Fund Direct-Growth has 65.01% allocated to equity, and 22.01% to debt. You can also check the historical trends above.
What is the market cap allocation of Bandhan Retirement Fund Direct-Growth?
As of 30 Sep 2026, Bandhan Retirement Fund Direct-Growth's market cap allocation is 78.88% in large caps, 14.62% in mid caps, and 6.50% in small caps.
What is the PE ratio of Bandhan Retirement Fund Direct-Growth's portfolio?
The portfolio PE ratio of Bandhan Retirement Fund Direct-Growth is 21.67 as of 30 Sep 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.
What is the credit quality of Bandhan Retirement Fund Direct-Growth?
As of 30 Sep 2026, Bandhan Retirement Fund Direct-Growth's debt portfolio has - in AAA-rated instruments, - in AA-rated, and 22.01% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.
When is the latest portfolio disclosure for Bandhan Retirement Fund Direct-Growth?
The latest portfolio disclosure for Bandhan Retirement Fund Direct-Growth is as of 30 Sep 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.