Bandhan Gilt Fund 10 Year Constant Duration Regular Plan NAV FA0 July 2026

Bandhan Gilt Fund 10 year constant duration Regular Plan NAV Rs 48.35 as of . ISIN INF194K01FA0. Open ended gilt debt scheme. Bandhan Mutual Fund.

The Bandhan Gilt Fund 10 year constant duration Regular Plan with ISIN INF194K01FA0 is one of the longest standing plan variants within Bandhan Mutual Fund’s gilt fund series. As of , the NAV of this scheme is Rs 48.35, reflecting significant wealth accumulation for long term investors who have remained invested through multiple interest rate cycles since the scheme’s launch.

The Bandhan Gilt Fund 10 year constant duration Regular Plan invests in government securities while maintaining a constant portfolio duration near 10 years. The Regular Plan structure means investors access this scheme through mutual fund distributors, and the expense ratio includes a trail commission paid to the distributor.

This article provides a detailed analysis of this specific plan variant including its NAV as of , return characteristics, risk profile, cost structure and investor suitability guidance.

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Bandhan Gilt Fund 10 Year Constant Duration Regular Plan FA0 Fund Overview

Understanding the Regular Plan Cost Structure

The Bandhan Gilt Fund 10 year constant duration Regular Plan FA0 invests in the same underlying portfolio of government securities as the Direct Plan. The key structural difference is the expense ratio. The Regular Plan includes distributor trail commission which increases the total expense ratio compared to the Direct Plan of the same scheme.

For long term investors this cost differential has a compounding impact on net returns. Over a 10 year holding period, the difference in NAV between the Direct and Regular Plans of the Bandhan Gilt Fund 10 year constant duration can be significant. Investors who are cost conscious and access mutual funds independently should evaluate the Direct Plan as an alternative.

Despite the higher cost, the Regular Plan offers the advantage of distributor guidance and portfolio service which some investors, particularly those new to debt mutual fund investing, find valuable for understanding complex instruments like long duration gilt funds.

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NAV Analysis and Long Term Return Context

The NAV of Rs 48.35 for the Bandhan Gilt Fund 10 year constant duration Regular Plan FA0 as of is among the highest in this scheme family, indicating this is one of the older plan tranches with a longer return accumulation history. This NAV reflects the compounded returns generated by the fund since its inception including both coupon income and capital appreciation from government securities.

The accommodative RBI policy stance through 2025 and 2026 has supported long duration gilt funds. Investors who entered this scheme during the rate hike cycle of 2022 to 2024 and held through the subsequent policy easing phase have benefited from both income accrual and capital gains as yields softened from their peaks.

Risk Factors in Bandhan Gilt Fund 10 Year Constant Duration Regular Plan

The Bandhan Gilt Fund 10 year constant duration Regular Plan FA0 carries high interest rate risk due to its mandatory constant 10 year duration. This risk cannot be mitigated by the fund manager even during periods of rising yields, unlike dynamic gilt funds where the manager can reduce duration to protect NAV. Credit risk is zero as all investments are in sovereign government securities.

The higher expense ratio of the Regular Plan compared to the Direct Plan is an additional drag on returns that investors should factor into their investment decision. Liquidity risk is minimal given the highly liquid nature of government securities in India’s bond market.

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Conclusion

The Bandhan Gilt Fund 10 year constant duration Regular Plan with ISIN INF194K01FA0 and NAV of Rs 48.35 as of is a long duration gilt scheme with a well established track record. It offers sovereign credit quality with significant interest rate sensitivity. Investors should compare Direct and Regular Plan expense ratios and consult a SEBI registered financial advisor before investing to ensure this scheme aligns with their risk profile and financial goals.

Frequently Asked Questions on Bandhan Gilt Fund 10 Year Constant Duration Regular Plan FA0

What is the NAV of Bandhan Gilt Fund 10 year constant duration Regular Plan INF194K01FA0?

Ans. The NAV of Bandhan Gilt Fund 10 year constant duration Regular Plan with ISIN INF194K01FA0 is Rs 48.35 as of . This NAV is updated on every business day based on government securities market movements.

Why is the NAV of this Regular Plan so much higher than other variants?

Ans. The higher NAV of Rs 48.35 for the INF194K01FA0 variant compared to other plan variants indicates this is an older plan tranche with a longer return accumulation history since inception. Higher absolute NAV simply means the scheme has been running longer and has compounded more returns over time.

Should I switch from Bandhan Gilt Fund Regular Plan to Direct Plan?

Ans. Switching from the Regular Plan to the Direct Plan can improve net returns over time due to the lower expense ratio of the Direct Plan. However switching may trigger capital gains tax depending on your holding period and applicable tax rates. Consult a SEBI registered financial advisor and tax advisor before making this decision.

Is this a suitable fund for retirement planning?

Ans. The Bandhan Gilt Fund 10 year constant duration Regular Plan is not typically recommended as a core retirement fund due to its high NAV volatility from interest rate sensitivity. It may suit a small tactical allocation within a diversified retirement portfolio for investors who understand gilt fund dynamics. Consult a SEBI registered advisor for personalised retirement planning guidance.

What is the exit load in Bandhan Gilt Fund 10 year constant duration Regular Plan?

Ans. Most gilt fund schemes including this one have nil exit load. Investors can redeem their units at any time without a penalty. Verify the current exit load from the scheme information document or Bandhan Mutual Fund website before investing as this can change.

How frequently is the NAV of this scheme declared?

Ans. The NAV of the Bandhan Gilt Fund 10 year constant duration Regular Plan FA0 is declared on every business day after market closing hours. NAV is not declared on market holidays or weekends. Daily NAV is published on the AMFI website and the Bandhan Mutual Fund official website.

Can I invest in this scheme through SIP?

Ans. Yes, systematic investment plans are available in the Bandhan Gilt Fund 10 year constant duration Regular Plan. SIP investing helps average the purchase cost across different interest rate environments, reducing the timing risk associated with investing a lump sum in a long duration gilt fund.

Where can I check the latest NAV of this scheme?

Ans. The latest NAV of Bandhan Gilt Fund 10 year constant duration Regular Plan INF194K01FA0 can be checked on the AMFI website, Bandhan Mutual Fund website, or investment apps. Download the Univest iOS App or Univest Android App for daily NAV tracking and gilt fund research.