Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund Review: Plans, NAV, Returns and Portfolio Analysis 2026

Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund: 4 variants. NAV Rs 10.9576 on 20-Jul-2026. Risk Low to Moderate.

Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund is a target maturity 10:90 gilt plus SDL index fund offered by Bandhan Mutual Fund, available in Direct and Regular Plans across IDCW, Growth. The scheme aims to replicate the CRISIL-IBX 10:90 Gilt Plus SDL Index maturing around December 2029 by investing 10% in central government securities and 90% in State Development Loans maturing close to that date, and to be broadly held to maturity. With multiple variants, Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund lets investors choose between different cost structures and payout approaches within the same base scheme.

This article reviews Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund across all its available plans and options, covering the latest NAV, expense ratio, portfolio approach, performance, exit load and investor suitability, based on publicly available data as of August 2026.

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Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund Plans and Options Available

Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund is offered across 4 scheme codes. The table below lists all available variants with ISIN codes and latest NAV figures.

Investment Objective and Portfolio Approach

Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund seeks to replicate the CRISIL-IBX 10:90 Gilt Plus SDL Index maturing around December 2029 by investing 10% in central government securities and 90% in State Development Loans maturing close to that date, and to be broadly held to maturity.

In terms of portfolio construction, the scheme holds a blend of 10% central government gilt securities and 90% State Development Loans maturing around December 2029.

Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund Performance and Returns

Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund has delivered returns that are closely linked to the yield to maturity of the underlying SDL and gilt basket if held to December 2029. Performance across individual plans and options may vary slightly due to differing expense ratios and whether gains are paid out under the IDCW option or reinvested under the Growth option.

The Direct Plan of any mutual fund typically delivers a slightly higher return than the Regular Plan of the same scheme over time, since it charges a lower expense ratio by excluding distributor commission. Investors should review the latest scheme factsheet from the AMC for current performance figures.

Direct Plan vs Regular Plan: Key Differences in Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund

The Direct Plan of Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund is available for investors transacting directly with the AMC or through a registered investment advisor, and carries typically lower than the Regular Plan. The Regular Plan carries not independently verified; check on AMC or Univest Screener.

Over longer holding periods, the compounding effect of this cost difference can be meaningful, which is why cost conscious investors often prefer the Direct Plan when they are comfortable transacting without distributor support.

Growth Option vs IDCW Option in Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund

The Growth option of Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund reinvests any gains back into the scheme NAV, supporting long term wealth compounding for investors who do not need periodic payouts.

The IDCW option of Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund distributes available surplus to unit holders according to the chosen frequency, subject to the fund house declaring a distribution. Payouts under any IDCW option are not guaranteed and depend on distributable surplus.

Expense Ratio and Exit Load

The expense ratio for the Regular Plan of Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund is not independently verified; check on AMC or Univest Screener, while the Direct Plan carries typically lower than the Regular Plan. This is the annual fee deducted from the scheme’s assets.

The exit load on Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund is typically Nil; confirm in the scheme information document.

Who Should Consider Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund

Conservative income seekers. Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund suits investors looking for stable income with lower volatility than equity funds.

Medium term investors. A holding period matching the scheme’s duration target is generally advisable for Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund.

Investors stepping down risk. Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund can be suitable for investors shifting from equity to debt as they approach a financial goal.

Key Risks in Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund

Interest rate risk. The NAV of the scheme is sensitive to changes in interest rates and benchmark yields.

Credit risk. Debt holdings carry issuer credit risk, and any downgrade or default in the portfolio can affect NAV.

Reinvestment risk. Maturing bonds may need to be reinvested at lower yields in a falling interest rate environment.

How to Invest in Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund

Investors evaluating Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund should begin by deciding between the Direct and Regular Plan, and between the Growth option for long term compounding and the IDCW option for periodic payouts.

Completing KYC through a SEBI registered intermediary or the AMC portal is mandatory before investing for the first time. Investors who have existing KYC registration can proceed directly.

Investment in Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund can be made as a lump sum or through a Systematic Investment Plan of at least Rs 1,000 lump sum, followed by regular monitoring of NAV and portfolio composition at least quarterly.

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Conclusion

Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund is a target maturity 10:90 gilt plus SDL index fund scheme from Bandhan Mutual Fund available across 4 plan and option variants, giving investors flexibility in cost structure and payout approach. The representative NAV of Rs 10.9576 for the Direct Plan Growth option as on 20-Jul-2026 reflects the scheme’s performance since launch. Investors should review the latest scheme information document and consult a SEBI registered advisor before investing.

Frequently Asked Questions on Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund

What plans and options are available in Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund?

Ans. Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund is available in Direct and Regular Plans and IDCW, Growth, giving investors 4 scheme codes to choose from depending on cost preference and payout requirements.

What is the latest NAV of Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund?

Ans. The latest NAV of the Direct Plan Growth option of Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund is Rs 10.9576 as on 20-Jul-2026. NAVs for all plan and option variants are updated at the end of every business day.

What is the investment objective of Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund?

Ans. The primary objective of Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund is to replicate the CRISIL-IBX 10:90 Gilt Plus SDL Index maturing around December 2029 by investing 10% in central government securities and 90% in State Development Loans maturing close to that date, and to be broadly held to maturity.

What is the difference between the Direct and Regular Plan in Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund?

Ans. The Direct Plan of Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund carries typically lower than the Regular Plan, excluding distributor commission. The Regular Plan carries not independently verified; check on AMC or Univest Screener. The lower cost of the Direct Plan can improve long term compounding.

What is the expense ratio of Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund?

Ans. The Regular Plan of Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund carries an expense ratio of not independently verified; check on AMC or Univest Screener, and the Direct Plan carries typically lower than the Regular Plan. The exact current figure can be confirmed in the latest AMC factsheet.

What is the exit load on Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund?

Ans. The exit load on Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund is typically Nil; confirm in the scheme information document. Investors should confirm this in the current scheme information document before redeeming.

Who should invest in Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund?

Ans. Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund can suit investors whose financial goals, risk appetite and investment horizon align with the target maturity 10:90 gilt plus SDL index fund category. Consult a SEBI registered advisor to assess personal suitability.

Is Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund a good investment?

Ans. Bandhan CRISIL IBX 10:90 Gilt Plus SDL Index Dec 2029 Fund can be appropriate for investors who understand the target maturity 10:90 gilt plus SDL index fund category mandate and are comfortable with the associated risk. Past performance does not guarantee future returns.