BANDHAN Equity Savings Fund - Regular Plan - Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 100% of 3-year investment horizons.
- Cost-efficient: expense ratio of 1.56% is lower than category median (2.19%).
- Over 18 years of operational history across different market cycles.
- Equities carry market risk; returns fluctuate and recommended investment horizon is 5+ years.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +2.48% | +2.96% | -0.48% |
| 3 Months | +0.82% | +1.17% | -0.35% |
| 6 Months | +3.35% | +3.88% | -0.53% |
| 1 Year | +4.02% | +4.14% | -0.12% |
| 3 Years CAGR | +6.61% | +8.21% | -1.60% |
| 5 Years CAGR | +5.92% | +7.26% | -1.34% |
| 7 Years CAGR | +7.13% | +8.53% | -1.40% |
| 10 Years CAGR | +6.27% | +8.07% | -1.80% |
| Since Inception | +6.69% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in BANDHAN Equity Savings Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +3.18% | +3.40% | -0.22% |
| 2025 | +6.35% | +6.70% | -0.35% |
| 2024 | +7.60% | +11.07% | -3.47% |
| 2023 | +9.64% | +14.27% | -4.63% |
| 2022 | +2.49% | +2.49% | 0.00% |
| 2021 | +10.15% | +12.79% | -2.64% |
| 2020 | +9.83% | +11.09% | -1.26% |
| 2019 | +5.12% | +7.85% | -2.73% |
| 2018 | +3.16% | +1.32% | +1.84% |
| 2017 | +4.64% | +14.67% | -10.03% |
| 2016 | +7.33% | +6.47% | +0.86% |
| 2015 | +6.64% | +6.44% | +0.20% |
| 2014 | +7.96% | +7.96% | 0.00% |
| 2013 | +8.95% | +8.95% | 0.00% |
| 2012 | +9.07% | +9.07% | 0.00% |
| 2011 | +6.54% | +6.54% | 0.00% |
| 2010 | +5.54% | +5.54% | 0.00% |
| 2009 | +3.28% | +3.28% | 0.00% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -12.14% | +6.72% | +6.67% | +32.87% | 98.2% | - |
| 3-Year Rolling | -1.58% | +6.88% | +7.09% | +13.52% | 99.8% | - |
| 5-Year Rolling | +1.52% | +6.85% | +6.89% | +11.81% | 100.0% | - |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2020-01-24 | 2020-03-23 | -17.5% | 2 months | 4 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Under Normal Circumstances:Equities & Equity related instruments (Including derivatives), within which | 65% - 80% •Arbitrage Exposure: 20% - 60% •Net Long Equity Exposure : 15% - 40% Debt & Money Market instruments (including Government securities, Securitised debt, Margin money/FD): 20% - 35% Units issued by InvITs:0% - 10% Units of Mutual Fund: 0% - 15% Under Defensive circumstances (i.e., when the arbitrage opportunities in the market are not adequate, in view of the fund manager):Equities & Equity related instruments (Including derivatives), within which: 10% - 65% Arbitrage Exposure: 0% - 20% Net Long Equity Exposure: 10% - 45% Debt & Money Market instruments (including Government securities, Securitised debt, Margin money/FD): 35% - 90% Units issued by InvITs: 0% - 10% Units of Mutual Fund : 0% - 15% |
Investment Objective & Strategy
The Scheme seek to generate income by predominantly investing in arbitrage opportunities in the cash and derivatives segments of the equity markets along with debt and money market instruments and to generate long-term capital appreciation by investing a portion of the Scheme’s assets in equity and equity related instruments.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 380 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable relative to Equity Savings schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Equity Savings Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Union Equity Savings Fund | 2.7 | +6.93% | 2.58% | - | Rs 116 cr | Compare → |
| quant Equity Savings Fund | 7.7 | - | - | - | Rs 59.7 cr | Compare → |
| Invesco India Equity Savings Fund | 2.9 | +7.45% | 2.96% | - | Rs 266 cr | Compare → |
| WhiteOak Capital Equity Savings Fund | 4.5 | - | 2.97% | - | Rs 276 cr | Compare → |
| LIC MF Equity Savings Fund | 3.9 | +7.83% | 2.80% | - | Rs 38.8 cr | Compare → |
Frequently Asked Questions about BANDHAN Equity Savings Fund
What is the expense ratio of BANDHAN Equity Savings Fund?
BANDHAN Equity Savings Fund has a total expense ratio (TER) of 1.56% with a base expense ratio of 0.93%, compared to the Equity Savings category median of 2.19%.
Who manages BANDHAN Equity Savings Fund?
BANDHAN Equity Savings Fund is managed by Kapil Kankonkar (tenure: 1.4 years since 2025-06-16).
What are the historical returns of BANDHAN Equity Savings Fund?
BANDHAN Equity Savings Fund delivered a 3-year CAGR of 6.61% and a 5-year CAGR of 5.92%. Its 1-year return stands at +4.02%.
How large is BANDHAN Equity Savings Fund?
BANDHAN Equity Savings Fund manages assets of Rs 380 cr, placing it in the 'comfortable' size band relative to Equity Savings peers.
How is BANDHAN Equity Savings Fund scored on MFIQ?
BANDHAN Equity Savings Fund holds an MFIQ Score of 3.3/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is BANDHAN Equity Savings Fund?
BANDHAN Equity Savings Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 2.39% with a maximum historical drawdown of -17.48%.