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Bandhan Retirement Fund - Direct Plan

An open-ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)

RetirementInception Date:19/10/2023
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What is a Retirement Fund?

Retirement funds are investment options that allow an investor to save a portion of their income for retirement and offer them a potentially regular source of income once they retire. A retiree receives annuity payments as long as they are alive and the remaining corpus is transferred to the nominee.

The fundamental purpose of a retirement fund is to provide the investor with a steady source of income after their retirement. Investors can withdraw a minimum of ₹200 on a monthly basis via SWP (Systematic Withdrawal Plan). However, Bandhan Retirement Fund has a lock-in period of 5 years or till the investor reaches their retirement age, whichever comes first. Due to the lock-in period, Bandhan Retirement Fund is not a liquid investment.

While there are several retirement investment options available, mutual fund retirement plans allow investors to save and receive money periodically and potentially enable capital appreciation in the long-term. Retirement funds may potentially serve the dual purpose of investment and retirement planning.

Bandhan Retirement Fund invests in equity and equity-related securities, debt and money market instruments. Consequently, this retirement fund is classified as a risky fund. Investors can choose between SIP and lumpsum mode of investment to potentially meet their financial goals.

  • Min Investment 1,000
  • Min SIP Amount 100
  • Exit Load

    Nil (but there is a lock-in of 5 years or retirement age (60 years) whichever is earlier)


This scheme has not completed one year.

NAV 12.1690 as on 10/07/20241 Day Change: -0.04(-0.30%)

For your retirement goal

Tier 1 Benchmark : CRISIL Hybrid 50+50 - Moderate IndexAlternate Benchmark : Nifty 50 TRI

This is a new scheme and required performance data is not yet available.

This fund is managed by Mr. Vishal Biraia (w.e.f 24/01/2024) & Mr. Gautam Kaul (w.e.f 19/10/2023)

View fund performance of other funds managed by Mr. Vishal Biraia, Mr. Gautam Kaul

Past performance may or may not be sustained in future.
Regular and Direct Plans have different expense structure. Direct Plan shall have a lower expense ratio excluding distribution expenses, commission expenses etc.


For taxation, please refer the link :  https://bit.ly/3spfzbo

Bandhan Retirement Fund

(Scheme Risk-o-meter)

Investors understand that their principal will be at Very High Risk.

CRISIL Hybrid 50+50 - Moderate Index

(Tier 1 Benchmark Risk-o-meter)

This product is suitable for investors who are seeking*:

• Capital appreciation and income generation over long term.

• A hybrid scheme with investment in equity and equity related instruments as well as debt and money market instruments.

Who Should Invest in Mutual Funds for Retirement?

Mutual funds for retirement may enable capital appreciation and income generation in the long-term. As Bandhan Retirement Fund invests a portion of its corpus in equities and equity-related securities it is vulnerable to market volatility. Consequently, this mutual fund retirement plan is a risky investment option.

Retirement funds are a long-term investment option. They seek to offer investors capital appreciation and income generation over the long-term. Investors seeking equity and debt investments and retirement planning may be suitable for this fund.

Bandhan Retirement Fund has a 5 year lock-in period or till retirement age, whichever is earlier. This mutual fund for retirement is not a liquid investment option and is not suitable for investors seeking short-term or liquid investments.

FAQs on Bandhan Retirement Fund

What is a retirement fund?

A retirement fund is an investment option that allows investors to save their income for their retirement. Retirement funds may potentially offer investors with a regular income after their retirement.

What is a retirement savings plan?

A retirement savings plan attempts to invest funds in different assets. These assets aim to have the potential to provide returns over the long-term and potentially sustain the investor during their retirement.

Why invest in a retirement fund?

Retirement funds attempt to provide investors with a regular source of income once they retire. As the life expectancy is rising, retirees may require funds for daily expenses and medical bills. By investing in retirement funds, investors can ensure they have some source of income when they are not actively working and reduce their chances of debt.

What are retirement investment options in India?

Pension plans, National Pension Scheme (NPS), Unit Linked Insurance Plans (ULIPs), Retirement Mutual Funds, Health Insurance, Public Provident Fund (PPF) are some retirement investment options in India. Investors may choose to invest in multiple different options on the basis of their risk tolerance.

What is retirement investing?

Retirees may choose to invest funds in equity and debt securities for their retirement and receive the potential returns after they retire. Retirees with surplus income may invest while they are retired to gain potential income or transfer the potential returns to a nominee.

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.