Bandhan Conservative Hybrid Fund Direct Plan-Growt...
(Scheme Rating)
NAV as of Aug 29, 2024
34.250.06%
- Growth - Direct
(Earn upto 0.93% Extra Returns with Direct Plan)
Fund Category:
Hybrid: Conservative Hybrid
Expense Ratio:
1.07%(0.82% Category
average)Fund Size:
Rs. 116.26 Cr(0.39% of Investment in Category)
- Invest in MFADD TO PORTFOLIO
Bandhan Conservative Hybrid Fund Direct Plan-Growth
(Scheme Rating)
NAV as of Aug 29, 2024
34.250.06%
Expense Ratio:
1.07%
Fund Size:
Rs. 116.26 Cr
Fund Category:
Hybrid: Conservative Hybrid
1. Current NAV: The Current Net Asset Value of the Bandhan Conservative Hybrid Fund - Direct Plan as of Aug 29, 2024 is Rs 34.25 for Growth option of its Direct plan.
2. Returns: Its trailing returns over different time periods are: 14.37% (1yr), 7.29% (3yr), 8.11% (5yr) and 8.7% (since launch). Whereas, Category returns for the same time duration are: 14.55% (1yr), 8.91% (3yr) and 9.14% (5yr).
3. Fund Size: The Bandhan Conservative Hybrid Fund - Direct Plan currently holds Assets under Management worth of Rs 116.26 crore as on Jul 31, 2024.
4. Expense ratio: The expense ratio of the fund is 1.07% for Direct plan as on Aug 21, 2024.
5. Exit Load: Bandhan Conservative Hybrid Fund - Direct Plan shall attract an Exit Load, "Exit Load for units in excess of 10% of the investment,0.25% will be charged for redemption within 7 days."
6. Minimum Investment: Minimum investment required is Rs 1000 and minimum additional investment is Rs 1000. Minimum SIP investment is Rs 100.
Bandhan Conservative Hybrid Fund Direct Plan-Growth Returns
Trailing Returns
Rolling Returns
Discrete Period
SIP Returns
1M 3M 6M 1Y 3Y 5Y Annualized Returns 1.03 4.95 7.59 14.29 7.30 8.17 Category Avg 0.93 4.67 7.30 14.52 8.99 9.25 Rank within Category 11 16 19 21 29 23 No. of funds within Category 31 31 31 31 31 27 - Loading...
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Return Comparison
- This Fund
- BenchmarkSBI Conservative Hybrid Direct-G
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Bandhan Conservative Hybrid Fund Direct Plan-Growth Fund Details
Investment Objective - The Scheme seeks to generate regular returns through investment predominantly in debt instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme's total assets in equity
Fund House | Bandhan Mutual Fund |
Launch Date | Jan 01, 2013 |
Benchmark | Nifty AAA Short Duration Bond Index |
Return Since Launch | 8.71% |
Riskometer | Moderately High |
Type | Open-ended |
Risk Grade | Average |
Return Grade | Below Average |
Bandhan Conservative Hybrid Fund Direct Plan-Growth Investment Details
Minimum Investment (Rs.) | 1,000.00 |
Minimum Additional Investment (Rs.) | 1,000.00 |
Minimum SIP Investment (Rs.) | 100.00 |
Minimum Withdrawal (Rs.) | 500.00 |
Exit Load Exit Load for units in excess of 10% of the investment,0.25% will be charged for redemption within 7 days. |
Portfolio Allocation
Equity
Debt
Asset Allocation
Loading...Asset Allocation History
Loading...EquityDebtCashSector Allocation
Loading...Market Cap Allocation
Loading...Concentration & Valuation Analysis
JUL 2024 JUN 2024 MAY 2024 APR 2024 MAR 2024 FEB 2024 Number of Holdings 21 25 26 27 27 25 Top 5 Company Holdings 65.97% 54.13% 49.78% 52.46% 49.42% 51.17% Top 10 Company Holdings 77.77% 78.66% 74.74% 78.45% 78.96% 75.05% Company with Highest Exposure GOI (19.49%) Bandhan Nifty 50 ETF-G (15.52%) Bandhan Nifty 50 ETF-G (14.88%) Bandhan Nifty 50 ETF-G (14.7%) Bandhan Nifty 50 ETF-G (14.14%) Bandhan Nifty 50 ETF-G (13.8%) Number of Sectors 13 13 13 13 13 14 Top 3 Sector Holdings 15.96% 16.1% 14.88% 14.61% 14.03% 13.71% Top 5 Sector Holdings 20.6% 21.08% 19.38% 19.01% 18.1% 17.74% Sector with Highest Exposure Financial (7.16%) Financial (7.86%) Financial (7.41%) Financial (7.35%) Financial (6.87%) Financial (6.51%)
Top Stock Holdings
Sector Holdings in MF
Debt Holdings in Portfolio
Company Sector Assest(%) P/E EPS-TTM(₹) RETURN 1 YR(%) TVS Motor Company Automobile 1.51 76.99 36.06 99.30 UNO Minda Automobile 1.1 74.00 15.79 85.83 Godrej Consumer Consumer Staples 0.98 -353.26 -4.19 45.72 Tube Investments Of India Automobile 0.96 64.01 62.52 39.79 Tata Consultancy Technology 0.9 35.07 129.55 33.64 Cholamandalam Investment and Finance Company Financial 0.88 33.24 43.53 32.44 LTIMindtree Technology 0.79 39.66 154.12 19.38 HDFC Bank Financial 0.67 18.33 89.60 3.03 Axis Bank Financial 0.29 13.64 86.50 19.85 Indusind Bank Financial 0.27 12.25 115.88 1.24
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Peer Comparison
Cumulative Returns
SIP returns
Discrete Returns
Quant Measures
Asset Allocation
Scheme Name NAV(Rs./Unit) Scheme Rating AUM(Rs. Cr) 1M 1Y 3Y 5Y Bandhan Conservative Hybrid Fund Direct Plan-Growth 34.25 116.26 1.30 14.45 7.11 8.17 Parag Parikh Conservative Hybrid Fund Direct - Growth 14.32 2,113.40 1.11 19.67 12.12 - Kotak Debt Hybrid Fund Direct -Growth 64.52 2,677.08 1.77 19.89 12.37 13.85 ICICI Prudential Income Optimizer Fund (FOF) Direct- Growth 63.54 274.80 1.03 16.20 12.07 11.79 SBI Conservative Hybrid Fund Direct-Growth 75.41 10,106.55 0.70 15.17 11.15 12.39
Risk Ratios
Ratios are calculated using the calendar month returns for the last 3 years
Standard Deviation
Standard Deviation
Standard deviation is the deviation of the fund's return around mean.
Low Volatality
3.64VS4.00Fund Vs Category Avg
Beta
Beta
Beta shows the portfolio risk in relation to the market. A beta of less than 1 means that the fund returns are less volatile compared to the broader market. A beta of more than 1 means that the fund returns are more volatile than the broader markets. A beta equal to 1 means that fund's volatility is in line with the broader market.
High Volatality
0.60VS0.57Fund Vs Category Avg
Sharpe Ratio
Sharpe Ratio
Sharpe ratio is a risk adjusted performance measure. A fund with a higher Sharpe ratio is considered better than a fund with a lower Sharpe ratio.
Poor risk-adjusted returns
0.49VS1.07Fund Vs Category Avg
Treynor's Ratio
Treynor's Ratio
Treynor is a risk adjusted performance measure. A fund with a higher Treynor ratio is considered better than a fund with a lower Treynor ratio.
Poor risk-adjusted returns
2.97VS7.52Fund Vs Category Avg
Jensen's Alpha
Jensen's Alpha
Alpha shows the ability of the fund manager to outperform the market. A higher Alpha is preferred.
Poor risk-adjusted returns
-1.20VS1.31Fund Vs Category Avg
Mean Return
Mean Return
Average return generated by the fund during a specified period.
Poor average monthly returns
7.31VS9.68Fund Vs Category Avg
Risk Ratio Chart
- Risk Ratio
- Category Average
Bandhan Mutual Fund News
Fund Manager
- H.J.Harshal JoshiSince Jul 202120 schemes
- V.K.Viraj KulkarniSince Jul 20227 schemes
Mr. Joshi is PGDBM from N.L. Dalmia Institute of Management Studies and Research, Mumbai Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) in 2008 he has worked with ICAP India Pvt. Ltd.
Mr. Kulkarni is a B.Tech. (Electronics), CFA and also holds a PGDM (Finance). Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) he was associated with Franklin Templeton Asset Management (India) Pvt. Ltd. (May 2014-Sept. 2015) and Goldman Sachs Services India (June 2010-May 2012).
Scheme Name Category Nav(Rs./Unit) Scheme Rating Asset(Rs. Cr) 1Y Bandhan Flexi Cap Fund Direct-Growth Flexi Cap 226.88 7,651.86 38.13 Bandhan Equity Savings Fund Direct-Growth Equity Savings 32.77 135.99 11.59 Bandhan Asset Allocation Conservative Direct- Growth Conservative Hybrid 34.06 6.48 14.40 Bandhan Asset Allocation Aggressive Direct Plan-Growth Aggressive Hybrid 48.19 18.63 30.76 Bandhan Ultra Short Term Fund Direct-Growth Ultra Short Duration 14.48 3,744.87 7.44 Bandhan Multi Asset Allocation Fund Direct-Growth Multi Asset Allocation 11.76 Unrated 1,643.91 - Bandhan Asset Allocation Moderate Direct-Growth Balanced Hybrid 41.69 Unrated 19.81 23.28
More Bandhan Mutual Fund
Scheme Name | Rating | Asset Size(Cr) | 1M | 3M | 6M | 1Y | 3Y |
---|---|---|---|---|---|---|---|
Bandhan Liquid Fund Direct Plan-Growth | 16,934.43 | 0.60 | 1.85 | 3.61 | 7.32 | 5.39 | |
Bandhan Banking & PSU Debt Fund Direct-Growth | 14,375.16 | 0.74 | 2.12 | 3.59 | 7.80 | 5.53 | |
Bandhan Corporate Bond Fund Direct-Growth | 13,744.12 | 0.62 | 1.80 | 3.48 | 7.53 | 5.42 | |
Bandhan Bond Fund Short Term Plan Direct-Growth | 8,536.99 | 0.75 | 2.39 | 4.11 | 8.15 | 5.54 | |
Bandhan Sterling Value Fund Direct Plan-Growth | 8,448.81 | 1.86 | 11.77 | 16.98 | 45.19 | 27.50 | |
Bandhan CRISIL IBX Gilt June 2027 Index Fund Direct - Growth | 8,316.98 | 0.73 | 2.35 | 4.11 | 8.28 | - | |
Bandhan Flexi Cap Fund Direct-Growth | 6,754.18 | 2.37 | 6.90 | 12.38 | 34.64 | 16.43 | |
Bandhan ELSS Tax Saver Fund Direct Plan-Growth | 6,139.72 | 1.79 | 9.30 | 13.67 | 40.32 | 22.79 | |
Bandhan Arbitrage Fund Direct-Growth | 5,767.97 | 0.66 | 2.26 | 4.04 | 8.25 | 6.05 | |
Bandhan Low Duration Fund Direct-Growth | 5,283.81 | 0.67 | 1.89 | 3.53 | 7.54 | 5.43 |
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1. Bandhan Conservative Hybrid Fund - Direct Plan is Open-ended Conservative Hybrid Hybrid scheme which belongs to Bandhan Mutual Fund House.
2. The fund was launched on Jan 01, 2013.
Investment objective & Benchmark
1. The investment objective of the fund is that " The Scheme seeks to generate regular returns through investment predominantly in debt instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme's total assets in equity "
2. It is benchmarked against Nifty AAA Short Duration Bond Index.
Asset Allocation & Portfolio Composition
1. The asset allocation of the fund comprises around 24.46% in equities, 64.31% in debts and 11.23% in cash & cash equivalents.
2. While the top 10 equity holdings constitute around 24.27% of the assets, the top 3 sectors constitute around 15.96% of the assets.
3. The fund largely follows a Growth oriented style of investing and invests across market capitalisations - around 0.0% in giant & large cap companies, 0.0% in mid cap and 0.0% in small cap companies.
4. The portfolio allocation of debt securities primarily have 2 kinds of risks: interest rate risk & credit risk. While the interest rate movements are driven by the fund's duration, credit quality of debt securities are based on the weighted average credit ratings of a fund. Generally, funds with high credit quality will have the weighted average credit rating of AA- and higher rated securities, funds with medium credit quality will hold securities having credit rating lying between A- to BBB- and funds with low credit quality will hold securities having average credit rating of less than BBB-. Credit rating is a qualitative tool that basically assesses the creditworthiness and financial soundness of a company and takes into consideration several factors including the default rate and solvency of the concerned business entity.
Tax Implications on Bandhan Conservative Hybrid Fund Direct Plan-Growth
Hybrid funds which usually invest 65% or more in equity & equity-related instruments will be taxed like Equity funds and those which invest up to 35% in equity & equity-related instruments will be taxed like the new taxation structure of debt funds. Also, the hybrid funds which invest between 35-65% in equity & equity-related instruments will be taxed as per the old taxation structure of debt funds. Generally, tax implications are based on the average asset allocation of the last 12 months in which the fund has invested. However, since the market is dynamic, asset allocation towards equity may increase or decrease depending on the prevailing market & economic conditions. So, the tax treatment of the given fund will vary accordingly and will be determined by its asset allocation. Below are the tax implications from the equity as well as debt side:
For Hybrid funds with 65% and above allocation in equity & equity related instruments:
1. Gains are taxed at a rate of 15% (Short-term Capital Gain Tax - STCG) if units are redeemed within 1 year of investment.
2. For units redeemed after 1 year of investment, gains of up to Rs. 1 lakh accruing from those units in a financial year shall be exempted from tax.
3. Gains of more than Rs. 1 lakh will be taxed at a rate of 10% (Long-term Capital Gain Tax - LTCG).
For Hybrid funds with 35-65% allocation in equity & equity related instruments:
1. If units are redeemed within 3 years of investment, the whole gain will be added to the investor's income and taxed as per his/her applicable slab rate.
2. For units redeemed after 3 years of investment, gains will be taxed at a rate of 20% post-indexation benefits. Indexation is a process of recalculating the purchase price after accounting for inflation into it. The benefit of indexation lies in lowering one's capital gains which brings down the taxable income and thereby reduces taxes on it.
For Hybrid funds with 0-35% allocation in equity & equity related instruments:
Capital Gains Tax Implications:
If the investment is made after Apr 1, 2023:
1. The entire amount of gain will be added to the investor's income (irrespective of the period of investment) and will be taxed as per his/her applicable slab rate.
If the investment is made before Apr 1, 2023:
1. If units are redeemed within 3 years of investment, the whole gain will be added to the investor's income and taxed as per his/her applicable slab rate.
2. For units redeemed after 3 years of investment, gains will be taxed at a rate of 20% post-indexation benefits. Indexation is a process of recalculating the purchase price after accounting for inflation into it. The benefit of indexation lies in lowering one's capital gains which brings down the taxable income and thereby reduces taxes on it.
Dividend Tax Implications:
1. For Dividend Distribution Tax, the dividend income from this fund will get added to an investor’s income and taxed according to his/her respective tax slabs.
2. Also, for dividend income more than Rs 5,000 in a financial year; the fund house shall deduct a TDS of 10% on such income.
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FAQs about Bandhan Conservative Hybrid Fund Direct Plan-Growth
- Is it safe to invest in Bandhan Conservative Hybrid Fund - Direct Plan?As per SEBI’s latest guidelines to calculate risk grades, investment in the Bandhan Conservative Hybrid Fund - Direct Plan comes under Moderately High risk category.
- What is the category of Bandhan Conservative Hybrid Fund - Direct Plan?Bandhan Conservative Hybrid Fund - Direct Plan belongs to the Hybrid : Conservative Hybrid category of funds.
- How Long should I Invest in Bandhan Conservative Hybrid Fund - Direct Plan?The suggested investment horizon of investing into Bandhan Conservative Hybrid Fund - Direct Plan is 1 – 3 years. The suggested investment horizon is the minimum time required for holding investments in the fund to reduce its downside risk and ensure that the returns become more predictable.
- Who manages the Bandhan Conservative Hybrid Fund - Direct Plan?The Bandhan Conservative Hybrid Fund - Direct Plan is managed by Harshal Joshi (Since Jul 28, 2021) and Viraj Kulkarni (Since Jul 01, 2022).
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