{"id":250626,"date":"2026-09-16T18:20:36","date_gmt":"2026-09-16T12:50:36","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/bandhan-floating-interest-rates-fund-direct-growth-review-2026\/"},"modified":"2026-09-16T18:20:36","modified_gmt":"2026-09-16T12:50:36","slug":"bandhan-floating-interest-rates-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/bandhan-floating-interest-rates-fund-direct-growth-review-2026\/","title":{"rendered":"Bandhan Floating Interest Rates Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/bandhan-floating-interest-rates-fund-g-direct-plan\">Bandhan Floating Interest Rates Fund Direct Growth Plan<\/a> is a debt fund with a Medium Risk label. Its NAV is \u20b914.2368 as of 15 Sep 2026, and the scheme AUM is \u20b9227 Cr. Its 1-year, 3-year and 5-year returns are 6.75%, 7.82% and 6.76%, respectively. On the numbers, this looks suitable for investors who want a debt allocation that has delivered steady compounding without taking equity-style volatility.<\/p>\n<p>The fund\u2019s portfolio is tilted toward corporate debt and other credit instruments, with a meaningful cash and cash-equivalent buffer. That mix helps explain why the return path has been steadier than the equity benchmark shown here, while still leaving it exposed to credit and rate movements. In our view, it fits conservative-to-moderate investors who can stay with a debt strategy over a medium to longer horizon.<\/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-floating-interest-rates-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-floating-interest-rates-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-floating-interest-rates-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Bandhan_Floating_Interest_Rates\" title=\"Should you BUY or HOLD Bandhan Floating Interest Rates?\">Should you BUY or HOLD Bandhan Floating Interest Rates?<\/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-floating-interest-rates-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-floating-interest-rates-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-floating-interest-rates-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-floating-interest-rates-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-floating-interest-rates-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-floating-interest-rates-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-floating-interest-rates-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-floating-interest-rates-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>\u20b914.2368 as of 15 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b9227 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.12%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>18 Feb 2021<\/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>Medium 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>Brijesh Shah, Debraj Lahiri<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Brijesh Shah and Debraj Lahiri.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 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>0.03%<\/td>\n<td>-4.81%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.67%<\/td>\n<td>-3.63%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>6.75%<\/td>\n<td>-8.27%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>7.82%<\/td>\n<td>5.59%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>6.76%<\/td>\n<td>5.58%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Short-term performance has been calm rather than dramatic. Over 1 month and 3 months, the fund has stayed marginally positive while the benchmark has been negative, which tells us the debt portfolio has not been moving with the same swings as the equity index.<\/p>\n<p>The 1-year number is more important here because it shows the fund holding up well while the benchmark was weak. That gap supports the idea that this is not an equity-like return stream; it is doing a different job, with the return profile shaped more by income and credit positioning than by market momentum.<\/p>\n<p>Over 3 years and 5 years, the fund has compounded at 7.82% and 6.76%. The longer pattern is steady rather than explosive, and it has stayed ahead of the benchmark on both horizons. Our view is that the recent calm fits the longer-term shape of the fund rather than contradicting it.<\/p>\n<p>That combination matters for investors who want returns that are not driven by broad equity volatility. The trade-off is that the fund\u2019s gains are more modest than what equity investors may expect, but the path has been far smoother than the benchmark shown here.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 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_Floating_Interest_Rates\"><\/span>Should you BUY or HOLD Bandhan Floating Interest Rates?<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 Floating Interest Rates? 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<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\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\/axis-floating-interest-rates-fund-g-direct-plan\">Axis Floating Interest Rates Fund Direct Growth Plan<\/a><\/td>\n<td>7.24%<\/td>\n<td>8.25%<\/td>\n<td>7.17%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/franklin-india-floating-interest-rates-fund-g-direct-plan\">Franklin India Floating Interest Rates Fund Direct Growth Plan<\/a><\/td>\n<td>6.75%<\/td>\n<td>8.03%<\/td>\n<td>7.17%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bandhan-floating-interest-rates-fund-g-direct-plan\">Bandhan Floating Interest Rates Fund Direct Growth Plan<\/a><\/td>\n<td>6.75%<\/td>\n<td>7.82%<\/td>\n<td>6.76%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-floating-interest-rates-fund-g-direct-plan\">ICICI Pru Floating Interest Rates Fund Direct Growth Plan<\/a><\/td>\n<td>6.68%<\/td>\n<td>7.74%<\/td>\n<td>7.05%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/sbi-floating-interest-rates-fund-g-direct-plan\">SBI Floating Interest Rates Fund Direct Growth Plan<\/a><\/td>\n<td>6.57%<\/td>\n<td>7.44%<\/td>\n<td>6.70%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>On the one-year measure, the fund sits close to Franklin India and slightly behind Axis, while staying ahead of ICICI Pru and SBI. That tells us the recent return profile is competitive, but not the strongest in this group.<\/p>\n<p>The longer view is more mixed. The fund\u2019s 3-year return is below Axis and Franklin India, and its 5-year return is also below both of them, while staying ahead of SBI on both horizons. So the short-term comparison is fairly tight, but the longer-term picture leaves a bit more room for peers to edge ahead.<\/p>\n<p>In our view, that split matters: the fund has remained usable on recent numbers, but the multi-year comparison suggests investors should focus more on consistency than on trying to chase the very best return in this peer set.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 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>7.04% Indigrid Infrastructure Trust **<\/td>\n<td>Corporate Debt<\/td>\n<td>8.68%<\/td>\n<\/tr>\n<tr>\n<td>7.02% Bajaj Housing Finance Limited **<\/td>\n<td>Corporate Debt<\/td>\n<td>8.67%<\/td>\n<\/tr>\n<tr>\n<td>8.35% Aditya Birla Real Estate Limited **<\/td>\n<td>Corporate Debt<\/td>\n<td>6.61%<\/td>\n<\/tr>\n<tr>\n<td>8.25% Tata Projects Limited **<\/td>\n<td>Corporate Debt<\/td>\n<td>6.58%<\/td>\n<\/tr>\n<tr>\n<td>7.44% National Bank for Agriculture and Rural Development<\/td>\n<td>Corporate Debt<\/td>\n<td>6.57%<\/td>\n<\/tr>\n<tr>\n<td>7.42% Small Industries Dev Bank of India **<\/td>\n<td>Corporate Debt<\/td>\n<td>6.55%<\/td>\n<\/tr>\n<tr>\n<td>8.1% Aadhar Housing Finance Limited **<\/td>\n<td>Corporate Debt<\/td>\n<td>6.55%<\/td>\n<\/tr>\n<tr>\n<td>7.3763% Bajaj Finance Limited<\/td>\n<td>Corporate Debt<\/td>\n<td>6.52%<\/td>\n<\/tr>\n<tr>\n<td>7.99% Godrej Seeds &amp; Genetics Limited **<\/td>\n<td>Corporate Debt<\/td>\n<td>6.51%<\/td>\n<\/tr>\n<tr>\n<td>Net Current Assets<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>5.81%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest disclosed holding is 7.04% Indigrid Infrastructure Trust ** at 8.68%, and the tenth is Net Current Assets at 5.81%. The fall from the first position to the tenth is not sharp, which suggests the visible holdings are fairly evenly sized rather than dominated by one outsized position.<\/p>\n<p>The top 10 holdings account for approximately 69.05% of the portfolio, and there are 21 disclosed holding rows in total. That points to a portfolio that is meaningfully spread out, but not so widely diversified that the largest positions stop mattering. The leading holdings may still have greater influence on return and risk than the smaller tail.<\/p>\n<p>Because the table is concentrated in corporate debt and cash-like exposure, the fund may behave more like an actively managed credit-and-rate strategy than a broad market proxy. In our view, that structure can support steadier income-oriented investing, but it also means credit selection and portfolio balance remain important.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/bandhan-floating-interest-rates-fund-g-direct-plan\">Bandhan Floating Interest Rates Fund Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 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 suits investors who can accept Medium Risk and are comfortable with debt-fund style returns rather than equity-style growth. The 1-year, 3-year and 5-year pattern shows steady compounding, and the benchmark comparison suggests the fund has been more resilient than the equity index used here.<\/p>\n<p>The better fit is a medium-to-long horizon, where the investor can allow the portfolio\u2019s credit and rate positioning to work through different market phases. The main trade-off is that returns may be steadier and more predictable, but they will usually be more modest than what higher-risk equity allocations target.<\/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 15 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 Floating Interest Rates Fund Direct Growth Plan?<\/strong><br \/>The NAV is \u20b914.2368 as of 15 Sep 2026.<\/p>\n<p><strong>What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/strong><br \/>The fund\u2019s returns are 6.75% over 1 year, 7.82% over 3 years and 6.76% over 5 years.<\/p>\n<p><strong>How has the fund compared with its benchmark?<\/strong><br \/>It has stayed ahead of the benchmark on 1-month, 3-month, 1-year, 3-year and 5-year figures. The gap is especially clear over the shorter periods.<\/p>\n<p><strong>How does it compare with peer funds on recent returns?<\/strong><br \/>Its 1-year return is close to Franklin India and below Axis, while staying ahead of ICICI Pru and SBI. The longer-term comparison is a little softer because Axis and Franklin India show stronger 3-year and 5-year figures.<\/p>\n<p><strong>Is there a minimum SIP amount?<\/strong><br \/>Yes. The minimum SIP amount is \u20b9100.<\/p>\n<p><strong>Who manages the fund and what is the exit load?<\/strong><br \/>The fund is managed by Brijesh Shah and Debraj Lahiri. The exit load is nil, so there is no exit load on redemption.<\/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 Floating Interest Rates Fund Direct Growth Plan has shown a steadier short-term pattern than the equity benchmark used here, and its longer-term returns remain consistent with that calmer profile. Against peers, the fund is competitive on the recent one-year figure but not the strongest over 3 years and 5 years. The portfolio is built around corporate debt with a meaningful cash buffer, which may help manage day-to-day movement. Overall, it looks more suitable for investors seeking debt-style compounding with Medium Risk than for anyone chasing high-growth equity returns.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 16 September 2026 at 6:18 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 Floating Interest Rates Fund Direct Growth Plan\",\"identifier\":\"bandhan-floating-interest-rates-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"18 Feb 2021\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":14.2368,\"valueReference\":\"as of 15 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"227 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.12\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":6.75},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":7.82},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":6.76},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Brijesh Shah, Debraj Lahiri\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Bandhan Floating Interest Rates Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The NAV is \u20b914.2368 as of 15 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s returns are 6.75% over 1 year, 7.82% over 3 years and 6.76% over 5 years.\"}},{\"@type\":\"Question\",\"name\":\"How has the fund compared with its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has stayed ahead of the benchmark on 1-month, 3-month, 1-year, 3-year and 5-year figures. The gap is especially clear over the shorter periods.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer funds on recent returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return is close to Franklin India and below Axis, while staying ahead of ICICI Pru and SBI. The longer-term comparison is a little softer because Axis and Franklin India show stronger 3-year and 5-year figures.\"}},{\"@type\":\"Question\",\"name\":\"Is there a minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. The minimum SIP amount is \u20b9100.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Brijesh Shah and Debraj Lahiri. The exit load is nil, so there is no exit load on redemption.\"}}]}<\/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 Floating Interest Rates Fund Direct Growth Plan has a \u20b914.2368 NAV as of 15 Sep 2026, \u20b9227 Cr AUM, 6.75% 1Y return and Medium Risk.<\/p>\n","protected":false},"author":38,"featured_media":250625,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-250626","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["250625"],"rank_math_title":["Bandhan Floating Interest Rates Fund NAV, Returns 2026"],"rank_math_description":["Bandhan Floating Interest Rates Fund Direct Growth Plan NAV is \u20b914.2368 as of 15 Sep 2026; 1Y return is 6.75%."],"rank_math_focus_keyword":["Bandhan Floating Interest Rates 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_Floating_Interest_Rates_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\/250626","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=250626"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/250626\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/250625"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=250626"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=250626"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=250626"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}