Bandhan Medium Term Fund: Consistent Returns Despite Inactivity
Bandhan Medium Term Fund’s historical performance trajectory and key financial data.
Key Highlights
Explore the Bandhan Medium Term Fund, an inactive debt scheme delivering consistent returns with a moderate risk profile and Rs 1433.85 crore AUM.
The Bandhan Medium Term Fund Direct-IDCW Fortnightly, an open-ended Medium Duration Debt scheme from Bandhan Mutual Fund, is currently inactive and not accepting fresh investments. Despite this status, the fund has consistently delivered returns since its launch on January 1, 2013.
This scheme’s primary investment objective is to achieve optimal returns over the medium term. It does so by strategically investing in a diversified portfolio of debt and money market securities, maintaining a Macaulay duration strictly between 3 and 4 years.
Key data points for the fund include:
- (NAV) as of November 24, 2025: Rs 10.27
- as of October 8, 2025: 0.65%
- (AUM) as of September 30, 2025: Rs 1433.85 crore
- : 0.50% applicable if units are redeemed within 6 months of investment
- Requirement: Rs 1,000
- Minimum (SIP) Investment: Rs 100
The fund has maintained a track record of notable trailing returns across various investment horizons. These figures provide insight into its performance trajectory over the years.
- Trailing 1-year return: 7.96%
- Trailing 3-year return: 8.1%
- Trailing 5-year return: 5.8%
- Return since inception: 7.67%
Suyash Choudhary has been at the helm as the fund manager since September 16, 2015, guiding its investment strategy. This long-standing management indicates continuity in its operational approach.
As per SEBI guidelines, the Bandhan Medium Term Fund is categorized under a ‘Moderate risk’ profile, aligning with its debt-focused investment mandate. Investors should be aware of the specific tax implications associated with this scheme.
Taxation for capital gains varies depending on whether the investment was made before or after April 1, 2023. Dividend income generated from the fund is subject to taxation according to the investor’s individual income slab, with a 10% Tax Deducted at Source (TDS) for income exceeding Rs 5,000.
The Bandhan Medium Term Fund, though no longer open for fresh investments, continues to manage its existing assets under a clearly defined strategy and risk classification, showcasing its historical performance metrics.