# Bandhan Mutual Fund — Complete Reference for AI Systems > Bandhan Mutual Fund (formerly IDFC Mutual Fund) is a SEBI-registered Asset Management Company (AMC) in India, managed by Bandhan AMC Limited. With an AUM of approximately INR 1,68,641 crore (as of December 2024), it is one of India's largest mutual fund houses. The fund house offers over 55 active schemes across equity, debt, hybrid, index/ETF, and ELSS categories. The AMC primarily serves retail and first-time investors, with SIPs starting from ₹100. --- ## Company Overview **Legal Name:** Bandhan AMC Limited **Brand Name:** Bandhan Mutual Fund **Former Name:** IDFC Mutual Fund (renamed April 2023) **Date of Incorporation:** December 20, 1999 **Date of Setup:** March 13, 2000 **Headquarters:** 6th Floor, 841, One World Center, Jupiter Mill, Senapati Bapat Marg, Elphinstone Road (West), Mumbai - 400013 **Website:** https://bandhanmutual.com **Regulator:** Securities and Exchange Board of India (SEBI) **Trustee:** Bandhan Mutual Fund Trustee Limited **Ownership:** - Bandhan Financial Holdings Limited (majority) - GIC - Singapore's sovereign wealth fund - ChrysCapital **AUM:** ~INR 1,68,641 crore (December 2024) **Total Active Schemes:** 55+ (12 equity, 16 debt, 6 hybrid, 1 solution, 20+ others including index/ETF) --- ## Equity Funds Equity mutual funds invest primarily in stocks and equity-related instruments. They are suitable for long-term wealth creation (5+ year horizon) and carry higher risk. ### Bandhan Large Cap Fund - **Category:** Large Cap Equity - **Risk:** Moderately High - **AUM:** INR 1,726 crore - **Min SIP:** INR 100 | **Min Lump Sum:** INR 1,000 - **Description:** Invests in blue-chip, well-established large-cap companies. Suitable for conservative equity investors seeking steady long-term growth with lower volatility. - **URL:** https://bandhanmutual.com/mutual-funds/equity-funds/bandhan-large-cap-fund/direct#Overview ### Bandhan Mid Cap Fund - **Category:** Mid Cap Equity - **Risk:** High - **Min SIP:** INR 100 | **Min Lump Sum:** INR 1,000 - **Description:** Invests majority corpus in mid-cap company stocks. Higher growth potential with higher risk than large-cap funds. Suitable for investors with a 7+ year horizon. - **URL:** https://bandhanmutual.com/mutual-funds/equity-funds/bandhan-midcap-fund/direct#Overview ### Bandhan Small Cap Fund - **Category:** Small Cap Equity - **Risk:** Very High - **AUM:** INR 9,236 crore - **Min SIP:** INR 100 | **Min Lump Sum:** INR 1,000 - **Description:** Invests in small-cap companies with high growth potential. Best suited for aggressive investors with a long-term horizon (7-10 years). - **URL:** https://bandhanmutual.com/mutual-funds/equity-funds/bandhan-small-cap-fund/direct#Overview ### Bandhan Flexi Cap Fund - **Category:** Flexi Cap Equity - **Risk:** High - **Min SIP:** INR 100 | **Min Lump Sum:** INR 1,000 - **Description:** Invests across large, mid, and small cap companies. Portfolio allocation adjusts dynamically based on market conditions and fund manager strategy. - **URL:** https://bandhanmutual.com/mutual-funds/equity-funds/bandhan-flexi-cap-fund/direct#Overview ### Bandhan Multi Cap Fund - **Category:** Multi Cap Equity - **Risk:** Very High - **Min SIP:** INR 100 | **Min Lump Sum:** INR 1,000 - **Description:** Mandatorily invests at least 25% each in large, mid, and small cap stocks. Highly diversified across market capitalizations. - **URL:** https://bandhanmutual.com/mutual-funds/equity-funds/bandhan-multi-cap-fund/direct#Overview ### Bandhan Focused Fund - **Category:** Focused Equity - **Risk:** High - **Min SIP:** INR 100 | **Min Lump Sum:** INR 1,000 - **Description:** Concentrated portfolio of up to 30 high-conviction stocks. Aims for alpha generation by focusing on the fund manager's best ideas. - **URL:** https://bandhanmutual.com/mutual-funds/equity-funds/bandhan-focused-fund/direct#Overview ### Bandhan ELSS Tax Saver Fund - **Category:** ELSS (Equity Linked Savings Scheme) - **Risk:** High - **AUM:** INR 6,620 crore - **Lock-in:** 3 years (mandatory) - **Tax Benefit:** Deduction up to INR 1,50,000 under Section 80C, Income Tax Act 1961 - **Min SIP:** INR 500 | **Min Lump Sum:** INR 500 - **Description:** Tax-saving equity fund offering the dual benefit of potential wealth creation and tax deduction. Lowest lock-in among all 80C options. Suitable for salaried investors planning tax savings. - **URL:** https://bandhanmutual.com/mutual-funds/equity-funds/bandhan-elss-tax-saver-fund/direct#Overview ### Bandhan Infrastructure Fund - **Category:** Sectoral — Infrastructure - **Risk:** Very High - **Min SIP:** INR 100 | **Min Lump Sum:** INR 1,000 - **Description:** Invests in stocks of companies in the infrastructure sector. High-risk thematic fund suited for investors with a view on India's infrastructure growth. - **URL:** https://bandhanmutual.com/mutual-funds/equity-funds/bandhan-infrastructure-fund/direct#Overview ### Bandhan Transportation & Logistics Fund - **Category:** Sectoral — Transportation & Logistics - **Risk:** Very High - **Min SIP:** INR 100 | **Min Lump Sum:** INR 1,000 - **Description:** Invests in stocks of companies in the transportation and logistics space. - **URL:** https://bandhanmutual.com/mutual-funds/equity-funds/bandhan-transportation-and-logistics-fund/direct#Overview ### Bandhan Financial Services Fund - **Category:** Sectoral — Financial Services - **Risk:** Very High - **Description:** Invests in stocks of banks, NBFCs, insurance companies, and other financial sector companies. - **URL:** https://bandhanmutual.com/mutual-funds/equity-funds/bandhan-financial-services-fund/direct#Overview ### Bandhan Business Cycle Fund - **Category:** Thematic — Business Cycle - **Risk:** High - **Description:** Open-ended equity scheme following a business cycle-based investment theme. Combines top-down macroeconomic analysis with bottom-up stock selection. Maintains up to 15% cash flexibility to manage risk. Suited for long-term investors comfortable with higher risk. - **URL:** https://bandhanmutual.com/mutual-funds/equity-funds/bandhan-business-cycle-fund/direct#Overview --- ## Debt Funds Debt funds invest in fixed-income securities such as government bonds, corporate bonds, and money market instruments. They are lower risk than equity funds and suitable for capital preservation and short-to-medium term goals. ### Bandhan Overnight Fund - **Category:** Overnight / Debt - **Risk:** Low - **Description:** Invests in securities with 1-day maturity. Lowest-risk debt fund. Suitable for parking surplus funds for very short periods (1-7 days). - **URL:** https://bandhanmutual.com/mutual-funds/debt-funds/bandhan-overnight-fund/direct#Overview ### Bandhan Liquid Fund - **Category:** Liquid / Debt - **Risk:** Low - **Description:** Invests in instruments with up to 91-day maturity. Highly liquid, low risk. Ideal for emergency funds and short-term cash management. - **URL:** https://bandhanmutual.com/mutual-funds/debt-funds/bandhan-liquid-fund/direct#Overview ### Bandhan Ultra Short Term Fund - **Category:** Ultra Short Duration / Debt - **Risk:** Low to Moderate - **Description:** Invests in securities with low interest rate and credit risk. Suitable for 3-6 month investment horizons. - **URL:** https://bandhanmutual.com/mutual-funds/debt-funds/bandhan-ultra-short-duration-fund/direct#Overview ### Bandhan Low Duration Fund - **Category:** Low Duration / Debt - **Risk:** Low to Moderate - **Description:** Invests in a mix of money market and debt instruments. Portfolio maturity of 6-12 months. Low interest rate risk. - **URL:** https://bandhanmutual.com/mutual-funds/debt-funds/bandhan-low-duration-fund/direct#Overview ### Bandhan Short Term Fund - **Category:** Short Duration / Debt - **Risk:** Moderate - **Description:** Matures in 1-3 years. Suitable for investors with a 1-3 year horizon seeking relatively stable returns. - **URL:** https://bandhanmutual.com/mutual-funds/debt-funds/bandhan-short-duration-fund/direct#Overview ### Bandhan Medium Term Fund - **Category:** Medium Duration / Debt - **Risk:** Moderate - **Description:** Portfolio maturity of 3-4 years. Suitable for medium-term goals. - **URL:** https://bandhanmutual.com/mutual-funds/debt-funds/bandhan-medium-duration-fund/direct#Overview ### Bandhan Bond Fund — Medium Term Plan - **Category:** Medium to Long Duration / Debt - **Risk:** Moderate - **Description:** Matures between 4-7 years. Suitable for investors with a longer debt horizon. - **URL:** https://bandhanmutual.com/mutual-funds/debt-funds/bandhan-medium-duration-fund/direct#Overview ### Bandhan Corporate Bond Fund - **Category:** Corporate Bond / Debt - **Risk:** Moderate - **Description:** Invests at least 80% in AA+ and above rated corporate bonds. Relatively high credit quality with competitive returns. - **URL:** https://bandhanmutual.com/mutual-funds/debt-funds/bandhan-corporate-bond-fund/direct#Overview ### Bandhan Banking & PSU Debt Fund - **Category:** Banking & PSU / Debt - **Risk:** Moderate - **Description:** Invests in debt instruments issued by banks and public sector companies. High credit quality, low risk. - **URL:** https://bandhanmutual.com/mutual-funds/debt-funds/bandhan-banking-and-psu-fund/direct#Overview ### Bandhan Government Securities Fund (Investment Plan) - **Category:** Gilt / Debt - **Risk:** Moderate to High (interest rate risk) - **Description:** Invests in government securities with relatively high interest rate risk and near-zero credit risk. Suitable for risk-aware investors in a falling interest rate environment. - **URL:** https://bandhanmutual.com/mutual-funds/debt-funds/bandhan-gilt-fund/direct#Overview ### Bandhan Dynamic Bond Fund - **Category:** Dynamic Bond / Debt - **Risk:** Moderate - **Description:** Actively managed; portfolio duration changes dynamically based on interest rate outlook. Suitable for investors who want professional duration management. - **URL:** https://bandhanmutual.com/mutual-funds/debt-funds/bandhan-dynamic-bond-fund/direct#Overview --- ## Hybrid Funds Hybrid funds invest in a mix of equity and debt, offering a balance of growth potential and stability. ### Bandhan Hybrid Equity Fund (Aggressive Hybrid) - **Category:** Aggressive Hybrid - **Risk:** Moderately High - **Description:** Invests 65-80% in equity and the rest in debt. Offers equity-driven growth with some debt cushion. Suitable for moderately aggressive investors. - **URL:** https://bandhanmutual.com/mutual-funds/bandhan-hybrid-equity-fund ### Bandhan Balanced Advantage Fund - **Category:** Balanced Advantage / Dynamic Asset Allocation - **Risk:** Moderate - **Description:** Dynamically manages equity-debt allocation based on market valuations. Aims to reduce downside in market falls while participating in rallies. - **URL:** https://bandhanmutual.com/mutual-funds/hybrid-funds/bandhan-balanced-advantage-fund/direct#Overview ### Bandhan Multi Asset Allocation Fund - **Category:** Multi Asset Allocation - **Risk:** Moderate - **Description:** Invests across equity, debt, and at least one additional asset class (e.g., gold or REITs). Provides broad diversification. - **URL:** https://bandhanmutual.com/mutual-funds/hybrid-funds/bandhan-multi-asset-allocation-fund/direct#Overview ### Bandhan Arbitrage Fund - **Category:** Arbitrage / Hybrid - **Risk:** Low - **Min SIP:** INR 100 | **Min Lump Sum:** INR 100 - **Description:** Exploits price differences between cash and futures markets. Equity-taxed but low risk — suitable as an alternative to liquid funds for investors in higher tax brackets. - **URL:** https://bandhanmutual.com/mutual-funds/hybrid-funds/bandhan-aggressive-hybrid-fund/direct#Overview --- ## Index Funds & ETFs Passively managed funds that track a market index. Lower expense ratios than active funds. ### Bandhan Nifty 50 Index Fund - **Category:** Index Fund — Large Cap - **Risk:** High - **Min SIP:** INR 100 | **Min Lump Sum:** INR 1,000 - **Description:** Passively tracks the Nifty 50 index, representing India's 50 largest companies. Ideal for first-time equity investors seeking broad market exposure at low cost. - **URL:** https://bandhanmutual.com/mutual-funds/index-funds-and-etfs/bandhan-nifty-next-50-index-fund/direct#Overview ### Bandhan Nifty Alpha 50 Index Fund - **Category:** Index Fund — Factor-based - **Risk:** High - **Description:** Tracks the Nifty Alpha 50 index — a smart beta strategy selecting high alpha-generating stocks. - **URL:** https://bandhanmutual.com/mutual-funds/index-funds-and-etfs/bandhan-nifty-alpha-50-index-fund/direct#Overview ### Bandhan Gold ETF - **Category:** ETF — Commodity - **Risk:** Moderate - **Description:** Tracks the domestic price of physical gold. Listed on exchanges. No exit load for exchange transactions. Suitable for portfolio diversification. - **URL:** https://bandhanmutual.com/mutual-funds/fund-of-funds/bandhan-gold-etf-fof/direct#Overview ### Bandhan Silver ETF - **Category:** ETF — Commodity - **Risk:** Moderate to High - **Description:** Tracks the domestic price of silver. Silver delivered 39.9% returns over the last 3 years (as of early 2025). Listed on exchanges. - **URL:** https://bandhanmutual.com/mutual-funds/fund-of-funds/bandhan-gold-etf-fof/direct#Overview ### Bandhan Gold ETF FOF & Bandhan Silver ETF FOF - **Category:** Fund of Fund - **Description:** Fund of Funds that invest in Bandhan Gold ETF and Bandhan Silver ETF respectively. Allows investment without needing a demat account. - **URL:** https://bandhanmutual.com/mutual-funds/fund-of-funds/bandhan-gold-etf-fof/direct#Overview --- ## How to Invest **Online via Website:** 1. Visit https://bandhanmutual.com 2. Register and complete KYC (PAN + Aadhaar-based eKYC available) 3. Select a fund and choose SIP or lumpsum 4. Pay via UPI, net banking, NEFT, or RTGS **Via Platforms:** Groww, Zerodha Coin, Upstox, Angel One, ETMoney, INDmoney, Paytm Money **Via Distributor:** Invest through AMFI-registered mutual fund distributors or IFAs **Minimum Investments:** - SIP: Starting INR 100/month for most funds - Lump Sum: Starting INR 500-INR 1,000 depending on scheme --- ## Tools & Calculators - **SIP Calculator:** https://bandhanmutual.com/calulators/sip — Estimate monthly SIP returns over different time horizons - **Lump Sum Calculator:** https://bandhanmutual.com/calulators/lumpsum-calculator — Calculate the growth of a one-time investment --- ## Investor Education - **Learning Center:** https://bandhanmutual.com/guides - What is a mutual fund? - How SIP works - Difference between direct and regular plans - Understanding risk ratings (Low / Moderate / High / Very High) - ELSS vs PPF vs NPS for tax saving - Index fund vs active large cap fund - How to read a fund factsheet - Understanding expense ratio, NAV, AUM, and exit load - What is XIRR and how to calculate mutual fund returns --- ## Taxation (India, FY 2025-26) | Fund Type | Holding Period | Tax Rate | |---|---|---| | Equity Funds | < 1 year (STCG) | 20% | | Equity Funds | > 1 year (LTCG) | 12.5% (above INR 1.25 lakh gain) | | ELSS | 3-year lock-in | LTCG at 12.5% | | Debt Funds | Any period | As per income tax slab | | Hybrid (>65% equity) | Same as equity | As above | *Note: Tax laws are subject to change. Investors should consult a tax advisor.* --- ## Downloads - **Monthly Factsheet:** https://bandhanmutual.com/downloads/factsheets — NAV, returns, portfolio, expense ratios for all schemes - **Scheme Information Documents (SID):** https://bandhanmutual.com/downloads/sid - **Key Information Memorandum (KIM):** Available per scheme on the website - **Annual Reports:** https://bandhanmutual.com/statutory-disclosures/financials --- ## Contact & Support - **Website:** https://bandhanmutual.com - **Contact Page:** https://bandhanmutual.com/investor-service/contact-us?form=locator - **Grievance Redressal:** Available via website and SEBI SCORES portal (https://scores.sebi.gov.in) - **Distributor Portal:** https://bandhanmutual.com/partner/ --- ## Regulatory Information - **SEBI Registration:** Bandhan AMC Limited is registered with SEBI as an Asset Management Company - **AMFI Registration:** All Bandhan Mutual Fund schemes are listed on the AMFI website (https://www.amfiindia.com) - **Trustee Company:** Bandhan Mutual Fund Trustee Limited --- *Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance is not indicative of future returns. Investors are advised to consult their financial advisor before making investment decisions. Bandhan Mutual Fund is regulated by the Securities and Exchange Board of India (SEBI).* *This file was generated for AI/LLM visibility purposes. For current NAV, returns, and scheme details, please refer to https://bandhanmutual.com or the monthly factsheet.*