{"id":239787,"date":"2026-09-10T10:28:36","date_gmt":"2026-09-10T04:58:36","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/bandhan-medium-term-fund-direct-growth-review-2026\/"},"modified":"2026-09-10T10:28:36","modified_gmt":"2026-09-10T04:58:36","slug":"bandhan-medium-term-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/bandhan-medium-term-fund-direct-growth-review-2026\/","title":{"rendered":"Bandhan Medium Term Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/bandhan-medium-term-fund-g-direct-plan\">Bandhan Medium Term Fund Direct Growth Plan<\/a> has a NAV of \u20b953.3541 as of 09 Sep 2026 and manages \u20b91,249 Cr in assets. Its 1-year, 3-year and 5-year returns are 6.22%, 7.56% and 6.01%, and it carries a Balanced Risk profile. Our view is that it suits investors who want a debt-oriented medium-term allocation with steady but not standout compounding, while accepting that returns can move around rather than track a straight line.<\/p>\n<p>The fund has stayed close to its long-term pattern, with recent gains still modest. That makes it more suitable for investors who value discipline and diversification over fast upside, especially when the holding mix includes a meaningful cash buffer and a spread across debt and bank instruments.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-medium-term-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-medium-term-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-medium-term-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Bandhan_Medium_Term\" title=\"Should you BUY or HOLD Bandhan Medium Term?\">Should you BUY or HOLD Bandhan Medium Term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-medium-term-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-medium-term-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-medium-term-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-medium-term-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-medium-term-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-medium-term-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-medium-term-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-medium-term-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b953.3541 as of 09 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b91,249 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.65%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>01 Jan 2013<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9100<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Balanced Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Debt<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Suyash Choudhary<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Suyash Choudhary.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>0.06%<\/td>\n<td>-4.69%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.88%<\/td>\n<td>0.93%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>6.22%<\/td>\n<td>-7.16%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>7.56%<\/td>\n<td>6%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>6.01%<\/td>\n<td>5.87%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Recent performance has been relatively steady rather than sharp. The 1-month return is nearly flat, which tells us the fund did not make a big move at the very end of the period. Over 3 months, it has held a firmer path than the benchmark, and that is consistent with the smoother pattern visible in the fund\u2019s recent trajectory.<\/p>\n<p>The 1-year return is the clearest contrast with the benchmark. The fund produced a positive 6.22% while the benchmark was negative over the same horizon, so the fund has clearly held up better through the latest year. That said, this should not be read as a breakout year; the result is still moderate rather than strong in an absolute sense.<\/p>\n<p>Over 3 years and 5 years, the fund has stayed in a fairly narrow compounding band. The 3-year return of 7.56% is slightly ahead of the benchmark\u2019s 6%, while the 5-year return of 6.01% is only marginally above the benchmark\u2019s 5.87%. Our view is that the fund has delivered consistency more than excess return, which fits a medium-term debt allocation better than a return-chasing one.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Bandhan_Medium_Term\"><\/span>Should you BUY or HOLD Bandhan Medium Term?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Bandhan Medium Term? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bandhan-medium-term-fund-g-direct-plan\">Bandhan Medium Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.22%<\/td>\n<td>7.56%<\/td>\n<td>6.01%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-medium-term-fund-g-direct-plan\">Aditya Birla SL Medium Term Fund Direct Growth Plan<\/a><\/td>\n<td>9.46%<\/td>\n<td>10.68%<\/td>\n<td>12.75%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-medium-term-fund-g-direct-plan\">ICICI Pru Medium Term Fund Direct Growth Plan<\/a><\/td>\n<td>7.98%<\/td>\n<td>8.55%<\/td>\n<td>7.42%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/kotak-medium-term-fund-g-direct-plan\">Kotak Medium Term Fund Direct Growth Plan<\/a><\/td>\n<td>7.76%<\/td>\n<td>9.07%<\/td>\n<td>7.46%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/sbi-medium-term-fund-g-direct-plan\">SBI Medium Term Fund Direct Growth Plan<\/a><\/td>\n<td>7.2%<\/td>\n<td>7.92%<\/td>\n<td>6.89%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/axis-medium-term-fund-g-direct-plan\">Axis Medium Term Fund Direct Growth Plan<\/a><\/td>\n<td>7.18%<\/td>\n<td>8.47%<\/td>\n<td>7.39%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>Against peers, the fund\u2019s recent 1-year return is below all five named comparators, while its 3-year and 5-year figures also sit below the stronger long-term numbers seen in several peer funds. The gap is especially visible versus the better-performing medium-term options, where both the 3-year and 5-year outcomes are materially higher.<\/p>\n<p>At the same time, the short-term and longer-term comparison does not tell the exact same story. The fund has been steadier than the benchmark, and its own multi-year pattern is fairly consistent, but that consistency has come with a more restrained return profile than the stronger peer set. For investors, the key question is less about surprise outperformance and more about whether a smoother return path is worth accepting lower compounding.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Triparty Repo TRP_010926<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>14.83%<\/td>\n<\/tr>\n<tr>\n<td>Small Industries Dev Bank of India **<\/td>\n<td>Certificate of Deposit<\/td>\n<td>8.58%<\/td>\n<\/tr>\n<tr>\n<td>7.75% Tata Capital Housing Finance Limited **<\/td>\n<td>Corporate Debt<\/td>\n<td>8.4%<\/td>\n<\/tr>\n<tr>\n<td>8.04% Bajaj Housing Finance Limited **<\/td>\n<td>Corporate Debt<\/td>\n<td>8.01%<\/td>\n<\/tr>\n<tr>\n<td>Axis Bank Limited **<\/td>\n<td>Certificate of Deposit<\/td>\n<td>7.47%<\/td>\n<\/tr>\n<tr>\n<td>7.53% National Bank for Agriculture and Rural Development<\/td>\n<td>Corporate Debt<\/td>\n<td>5.99%<\/td>\n<\/tr>\n<tr>\n<td>Canara Bank **<\/td>\n<td>Certificate of Deposit<\/td>\n<td>5.47%<\/td>\n<\/tr>\n<tr>\n<td>Net Current Assets<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>5.01%<\/td>\n<\/tr>\n<tr>\n<td>7.35% Export Import Bank of India **<\/td>\n<td>Corporate Debt<\/td>\n<td>4%<\/td>\n<\/tr>\n<tr>\n<td>7.37% Indian Railway Finance Corporation Limited **<\/td>\n<td>Corporate Debt<\/td>\n<td>3.99%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The top 10 holdings account for approximately 71.75% of the portfolio.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/bandhan-medium-term-fund-g-direct-plan\">Bandhan Medium Term Fund Direct Growth Plan<\/a> page<\/p>\n<p>The largest holding is Triparty Repo TRP_010926 at 14.83%, which gives the portfolio a notable cash and liquidity cushion. The next positions are materially smaller, and the decline from the first holding to the tenth is gradual enough to suggest a spread across several income-generating instruments rather than a single dominant bet.<\/p>\n<p>That said, the combined weight of the top 10 holdings is still high at 71.75%, so the disclosed portfolio is not especially diffuse. With 23 holdings in total, the fund appears to balance a meaningful core of larger positions with a longer tail beyond the top names. That structure may help contain swings, but the larger holdings are still likely to have greater influence on the fund\u2019s outcome than the smaller ones.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund fits investors who are comfortable with a medium-term debt strategy and can accept a Balanced Risk profile. The return pattern is steady rather than aggressive, and the benchmark comparison shows that the fund has sometimes protected better than the index, especially over 1 year.<\/p>\n<p>The main trade-off is that steadier behaviour has not translated into the strongest peer-style compounding. Investors with a horizon of several years and a preference for controlled movement may find the profile suitable, while those looking for higher upside in exchange for more uncertainty may prefer a different style of allocation.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>What is the current NAV of Bandhan Medium Term Fund Direct Growth Plan?<\/strong><br \/>The current NAV is \u20b953.3541 as of 09 Sep 2026.<\/p>\n<p><strong>What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/strong><br \/>Its 1-year return is 6.22%, its 3-year return is 7.56%, and its 5-year return is 6.01%.<\/p>\n<p><strong>How has it performed against the benchmark?<\/strong><br \/>It has done better than the benchmark over 1 year, 3 years and 5 years. The benchmark return is -7.16% for 1 year, 6% for 3 years and 5.87% for 5 years.<\/p>\n<p><strong>How does it compare with peer medium-term funds?<\/strong><br \/>Its 1-year, 3-year and 5-year returns are lower than several of the named peer funds. The peer set includes stronger multi-year outcomes, especially from Aditya Birla SL Medium Term Fund Direct Growth Plan and Kotak Medium Term Fund Direct Growth Plan.<\/p>\n<p><strong>Is there a minimum SIP amount?<\/strong><br \/>Yes, the minimum SIP amount is \u20b9100.<\/p>\n<p><strong>What is the risk profile and exit load?<\/strong><br \/>The fund carries a Balanced Risk profile and has no exit load. Its portfolio also includes a meaningful allocation to cash and money-market style exposures through Triparty Repo and net current assets.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bandhan Medium Term Fund Direct Growth Plan has shown a steady but restrained return pattern, with the latest year looking better than the benchmark even though the longer stretch has not matched the strongest peer outcomes. The risk profile is balanced rather than extreme, and the portfolio has a sizable liquidity component alongside bank deposits and corporate debt. That mix supports stability, but it also helps explain why the fund has not produced the most powerful compounding in the peer set. It is more relevant for investors who value measured debt exposure over higher return ambition.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 10 September 2026 at 10:25 AM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Bandhan Medium Term Fund Direct Growth Plan\",\"identifier\":\"bandhan-medium-term-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":53.3541,\"valueReference\":\"as of 09 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"1249 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.65\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":6.22},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":7.56},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":6.01},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Suyash Choudhary\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Bandhan Medium Term Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b953.3541 as of 09 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return is 6.22%, its 3-year return is 7.56%, and its 5-year return is 6.01%.\"}},{\"@type\":\"Question\",\"name\":\"How has it performed against the benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has done better than the benchmark over 1 year, 3 years and 5 years. The benchmark return is -7.16% for 1 year, 6% for 3 years and 5.87% for 5 years.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer medium-term funds?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year, 3-year and 5-year returns are lower than several of the named peer funds. The peer set includes stronger multi-year outcomes, especially from Aditya Birla SL Medium Term Fund Direct Growth Plan and Kotak Medium Term Fund Direct Growth Plan.\"}},{\"@type\":\"Question\",\"name\":\"Is there a minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, the minimum SIP amount is \u20b9100.\"}},{\"@type\":\"Question\",\"name\":\"What is the risk profile and exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund carries a Balanced Risk profile and has no exit load. Its portfolio also includes a meaningful allocation to cash and money-market style exposures through Triparty Repo and net current assets.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bandhan Medium Term Fund Direct Growth Plan has a NAV of \u20b953.3541 as of 09 Sep 2026, with 1-year, 3-year and 5-year returns of 6.22%, 7.56% and 6.01%.<\/p>\n","protected":false},"author":38,"featured_media":239781,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-239787","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["239781"],"rank_math_title":["Bandhan Medium Term Fund NAV, Returns &amp; Review 2026"],"rank_math_description":["Bandhan Medium Term Fund Direct Growth Plan NAV \u20b953.3541 as of 09 Sep 2026; 1Y return 6.22% and 5Y return 6.01%."],"rank_math_focus_keyword":["Bandhan Medium Term Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/Bandhan_Medium_Term_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/239787","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=239787"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/239787\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/239781"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=239787"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=239787"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=239787"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}