{"id":241877,"date":"2026-09-10T16:11:05","date_gmt":"2026-09-10T10:41:05","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/bandhan-dynamic-term-fund-direct-growth-review-2026\/"},"modified":"2026-09-10T16:11:05","modified_gmt":"2026-09-10T10:41:05","slug":"bandhan-dynamic-term-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/bandhan-dynamic-term-fund-direct-growth-review-2026\/","title":{"rendered":"Bandhan Dynamic Term Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/bandhan-dynamic-term-fund-g-direct-plan\">Bandhan Dynamic Term Fund Direct Growth Plan<\/a> currently has a NAV of \u20b940.1673 as of 09 Sep 2026 and a scheme AUM of \u20b91,926 Cr. Its 1-year, 3-year and 5-year returns are 7.36%, 7.66% and 6.14%, and the fund sits in the Balanced Risk bucket.<\/p>\n<p>Our view is that this is a fairly measured debt option for investors who want steadier compounding than equity-like outcomes, but not a flat line. The portfolio is dominated by cash-like exposure and high-quality debt instruments, so the return pattern has been stable rather than flashy.<\/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-dynamic-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-dynamic-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-dynamic-term-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Bandhan_Dynamic_Term\" title=\"Should you BUY or HOLD Bandhan Dynamic Term?\">Should you BUY or HOLD Bandhan Dynamic 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-dynamic-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-dynamic-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-dynamic-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-dynamic-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-dynamic-term-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-dynamic-term-fund-direct-growth-review-2026\/#What_is_the_current_NAV_of_Bandhan_Dynamic_Term_Fund_Direct_Growth_Plan\" title=\"What is the current NAV of Bandhan Dynamic Term Fund Direct Growth Plan?\">What is the current NAV of Bandhan Dynamic Term Fund Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-dynamic-term-fund-direct-growth-review-2026\/#What_are_the_funds_1-year_3-year_and_5-year_returns\" title=\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\">What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-dynamic-term-fund-direct-growth-review-2026\/#How_does_this_fund_compare_with_the_benchmark\" title=\"How does this fund compare with the benchmark?\">How does this fund compare with the benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-dynamic-term-fund-direct-growth-review-2026\/#How_does_it_compare_with_the_peer_funds_shown_here\" title=\"How does it compare with the peer funds shown here?\">How does it compare with the peer funds shown here?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-dynamic-term-fund-direct-growth-review-2026\/#What_is_the_exit_load\" title=\"What is the exit load?\">What is the exit load?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-dynamic-term-fund-direct-growth-review-2026\/#Who_manages_the_fund_and_what_is_the_risk_profile\" title=\"Who manages the fund and what is the risk profile?\">Who manages the fund and what is the risk profile?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-dynamic-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-16\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-dynamic-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-17\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-dynamic-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>\u20b940.1673 as of 09 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b91,926 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.71%<\/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>-0.43%<\/td>\n<td>-4.69%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>2.13%<\/td>\n<td>0.93%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>7.36%<\/td>\n<td>-7.16%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>7.66%<\/td>\n<td>6%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>6.14%<\/td>\n<td>5.87%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent pattern is mixed, but it is not weak in context. The fund slipped slightly over the latest month, yet that was far milder than the benchmark\u2019s decline. Over three months, it stayed ahead of the benchmark as well, which tells us the short-term trend has been more resilient than the index.<\/p>\n<p>The one-year number stands out because the fund delivered a positive return while the benchmark was negative. That matters for investors who care about drawdown control, because it suggests the strategy has handled the recent cycle better than the broad market proxy used here.<\/p>\n<p>Over longer stretches, the picture is steadier than exciting. The 3-year return is slightly ahead of the benchmark, while the 5-year return is also marginally higher. That combination says the fund has not relied on a single strong year; it has compounded at a moderate pace across different phases.<\/p>\n<p>The time pattern also looks more stable than volatile. Returns have moved in a relatively contained range rather than showing sharp surges or deep drawdowns, which fits a debt-oriented strategy that is aiming for balance rather than aggressive growth.<\/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_Dynamic_Term\"><\/span>Should you BUY or HOLD Bandhan Dynamic 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 Dynamic 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-dynamic-term-fund-g-direct-plan\">Bandhan Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>7.36%<\/td>\n<td>7.66%<\/td>\n<td>6.14%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/axis-dynamic-term-fund-g-direct-plan\">Axis Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.61%<\/td>\n<td>7.52%<\/td>\n<td>6.28%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/kotak-dynamic-term-fund-g-direct-plan\">Kotak Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.57%<\/td>\n<td>7.87%<\/td>\n<td>6.64%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/360-one-dynamic-term-fund-g-direct-plan\">360 ONE Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.48%<\/td>\n<td>8.19%<\/td>\n<td>6.91%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-dynamic-term-fund-g-direct-plan\">ICICI Pru Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.02%<\/td>\n<td>7.82%<\/td>\n<td>7.09%<\/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>In the last year, the fund has been stronger than the peer set shown here, with a higher 1-year return than all four comparables and a better one-year outcome than the benchmark as well. That gives the recent record a clear defensive edge.<\/p>\n<p>On the longer horizon, the comparison is tighter. The 3-year return trails some peers that have compounded a bit faster, and the 5-year return is also middling versus the group. So the short-term story looks better than the longer-term relative story.<\/p>\n<p>That split is important: the fund has recently held up well, but its longer-run compounding is more moderate than the stronger peer outcomes available here. For investors, that usually points to a strategy that has been steadier in the near term rather than one that has consistently pushed the fastest long-run growth.<\/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>73.37%<\/td>\n<\/tr>\n<tr>\n<td>7.36% GOI (MD 12\/09\/2052)<\/td>\n<td>Government Securities<\/td>\n<td>6.94%<\/td>\n<\/tr>\n<tr>\n<td>Small Industries Dev Bank of India **<\/td>\n<td>Certificate of Deposit<\/td>\n<td>6.06%<\/td>\n<\/tr>\n<tr>\n<td>Net Current Assets<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>4.99%<\/td>\n<\/tr>\n<tr>\n<td>7.3% GOI (MD 19\/06\/2053)<\/td>\n<td>Government Securities<\/td>\n<td>3.17%<\/td>\n<\/tr>\n<tr>\n<td>7.685% Tata Capital Housing Finance Limited **<\/td>\n<td>Corporate Debt<\/td>\n<td>3.11%<\/td>\n<\/tr>\n<tr>\n<td>7.1% Bajaj Housing Finance Limited **<\/td>\n<td>Corporate Debt<\/td>\n<td>1.53%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding is Triparty Repo TRP_010926 at 73.37%, which is very large in absolute terms and tells us the fund has a strong liquidity buffer at this point. That single position can shape day-to-day stability more than most other holdings can.<\/p>\n<p>There is a steep drop from that first holding to the rest of the portfolio. The next biggest positions are all in low single digits, which means the visible exposure narrows sharply after the cash-like core and the government bond sleeve.<\/p>\n<p>Because the disclosed holdings add up to 99.17% and there are only seven disclosed rows, the portfolio is highly concentrated in the visible positions rather than spread across a long tail. That concentration may support stability, but it also means the fund\u2019s behavior is likely to be influenced by a small set of instruments.<\/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 may suit investors who can accept moderate risk in exchange for a smoother return profile than equities. The Balanced Risk label, the positive but modest longer-term returns, and the generally steady movement pattern all point to a debt strategy that is built for stability first.<\/p>\n<p>The better fit is usually a medium- to long-term horizon, because the 1-year result looks strong relative to the benchmark and peers, while the 3-year and 5-year figures show more measured compounding. The main trade-off is that you may give up some upside versus faster-compounding peers in return for a portfolio that has been materially steadier in recent periods.<\/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><strong>Exit load:<\/strong> 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<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_Bandhan_Dynamic_Term_Fund_Direct_Growth_Plan\"><\/span>What is the current NAV of Bandhan Dynamic Term Fund Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b940.1673 as of 09 Sep 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_funds_1-year_3-year_and_5-year_returns\"><\/span>What are the fund\u2019s 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 1-year return is 7.36%, the 3-year return is 7.66%, and the 5-year return is 6.14%.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_this_fund_compare_with_the_benchmark\"><\/span>How does this fund compare with the benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It has done better than the benchmark over 1 year, 3 years and 5 years. The gap is especially clear over 1 year, where the benchmark was negative.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_it_compare_with_the_peer_funds_shown_here\"><\/span>How does it compare with the peer funds shown here?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund has the strongest 1-year return among the funds shown, while its 3-year and 5-year figures are more moderate. That makes the short-term picture look better than the longer-term peer comparison.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_exit_load\"><\/span>What is the exit load?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>There is no exit load on this fund.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_manages_the_fund_and_what_is_the_risk_profile\"><\/span>Who manages the fund and what is the risk profile?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is managed by Suyash Choudhary and sits in the Balanced Risk category. Its portfolio is heavily tilted toward cash-like exposure and government securities at the disclosed level.<\/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 Dynamic Term Fund Direct Growth Plan has looked steadier recently than its longer-term compounding suggests, especially against the benchmark and the peer set shown here. The fund\u2019s Balanced Risk profile, low expense ratio, and heavy cash-like allocation point to a cautious debt strategy rather than an aggressive return chase. For investors who prefer a relatively contained ride and can accept moderate upside, the fund fits better than it does for those seeking the fastest long-run compounding.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 10 September 2026 at 4:08 PM 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 Dynamic Term Fund Direct Growth Plan\",\"identifier\":\"bandhan-dynamic-term-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":40.1673,\"valueReference\":\"as of 09 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"1926 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.71\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":7.36},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":7.66},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":6.14},{\"@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 Dynamic Term Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b940.1673 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\":\"The 1-year return is 7.36%, the 3-year return is 7.66%, and the 5-year return is 6.14%.\"}},{\"@type\":\"Question\",\"name\":\"How does this fund compare with the benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has done better than the benchmark over 1 year, 3 years and 5 years. The gap is especially clear over 1 year, where the benchmark was negative.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with the peer funds shown here?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund has the strongest 1-year return among the funds shown, while its 3-year and 5-year figures are more moderate. That makes the short-term picture look better than the longer-term peer comparison.\"}},{\"@type\":\"Question\",\"name\":\"What is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"There is no exit load on this fund.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the risk profile?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Suyash Choudhary and sits in the Balanced Risk category. Its portfolio is heavily tilted toward cash-like exposure and government securities at the disclosed level.\"}}]}<\/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 Dynamic Term Fund Direct Growth Plan has a NAV of \u20b940.1673 as of 09 Sep 2026, with 1Y, 3Y and 5Y returns of 7.36%, 7.66% and 6.14%.<\/p>\n","protected":false},"author":38,"featured_media":241873,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-241877","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["241873"],"rank_math_title":["Bandhan Dynamic Term Fund Review 2026 | NAV &amp; Returns"],"rank_math_description":["Bandhan Dynamic Term Fund Direct Growth Plan NAV is \u20b940.1673 as of 09 Sep 2026; 1Y return is 7.36% and 5Y return is 6.14%."],"rank_math_focus_keyword":["Bandhan Dynamic 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_Dynamic_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\/241877","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=241877"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/241877\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/241873"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=241877"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=241877"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=241877"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}