{"id":254459,"date":"2026-09-18T08:29:38","date_gmt":"2026-09-18T02:59:38","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/bandhan-crisil-ibx-90-10-sdl-plus-gilt-nov-2026-index-fund-direct-growth-review-2026\/"},"modified":"2026-09-18T08:29:38","modified_gmt":"2026-09-18T02:59:38","slug":"bandhan-crisil-ibx-90-10-sdl-plus-gilt-nov-2026-index-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/bandhan-crisil-ibx-90-10-sdl-plus-gilt-nov-2026-index-fund-direct-growth-review-2026\/","title":{"rendered":"Bandhan CRISIL IBX 90:10 SDL Plus Gilt &#8211; Nov 2026 Index Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/bandhan-crisil-ibx-90-10-sdl-plus-gilt-nov-2026-index-fund-g-direct-plan\">Bandhan CRISIL IBX 90:10 SDL Plus Gilt &#8211; Nov 2026 Index Fund Direct Growth Plan<\/a> is an index fund with a NAV of \u20b913.0909 as of 17 Sep 2026 and scheme AUM of \u20b989 Cr. Its 1-year, 3-year and 5-year returns are 5.86%, 7.3% and 0%, and the fund sits in the Low Risk category.<\/p>\n<p>Our view is that this is a conservative fixed-income style option for investors who want relatively steady behaviour rather than high growth potential. The portfolio is built around SDLs, government securities and treasury bills, which helps explain the low-volatility profile even though the recent return pattern is still modest.<\/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-crisil-ibx-90-10-sdl-plus-gilt-nov-2026-index-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-crisil-ibx-90-10-sdl-plus-gilt-nov-2026-index-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-crisil-ibx-90-10-sdl-plus-gilt-nov-2026-index-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Bandhan_CRISIL_IBX_90_10_SDL_Plus_Gilt_%E2%80%93_Nov_2026_Index\" title=\"Should you BUY or HOLD Bandhan CRISIL IBX 90:10 SDL Plus Gilt &#8211; Nov 2026 Index?\">Should you BUY or HOLD Bandhan CRISIL IBX 90:10 SDL Plus Gilt &#8211; Nov 2026 Index?<\/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-crisil-ibx-90-10-sdl-plus-gilt-nov-2026-index-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-crisil-ibx-90-10-sdl-plus-gilt-nov-2026-index-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-crisil-ibx-90-10-sdl-plus-gilt-nov-2026-index-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-crisil-ibx-90-10-sdl-plus-gilt-nov-2026-index-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-crisil-ibx-90-10-sdl-plus-gilt-nov-2026-index-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-crisil-ibx-90-10-sdl-plus-gilt-nov-2026-index-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-crisil-ibx-90-10-sdl-plus-gilt-nov-2026-index-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-crisil-ibx-90-10-sdl-plus-gilt-nov-2026-index-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>\u20b913.0909 as of 17 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b989 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.1%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>17 Nov 2022<\/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>Low 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>Index Funds<\/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>Gautam Kaul, Harshal Joshi<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Gautam Kaul and Harshal Joshi.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 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>0.44%<\/td>\n<td>-3.66%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.36%<\/td>\n<td>-3.71%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>5.86%<\/td>\n<td>-7.13%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>7.3%<\/td>\n<td>5.82%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent return profile is better than the benchmark across 1 month, 3 months and 1 year. That matters because the benchmark has been weak over the same windows, while the fund stayed slightly positive, which suggests the scheme has been more stable through the recent period.<\/p>\n<p>Over 3 years, the fund has compounded at 7.3%, which is still ahead of the benchmark\u2019s 5.82%. That gap is not large, but it shows the fund has held its ground over a longer horizon instead of relying only on a short burst of strength.<\/p>\n<p>The path has not been perfectly smooth. The 1-year pattern shows some pullbacks before recovery, and the 3-year pattern also has periods of softness, so the fund is not a straight-line return story. Even so, the longer trend remains positive and better than the benchmark, which is a useful sign for investors who value consistency more than speed.<\/p>\n<p>Because there is no 5-year return figure yet, the meaningful comparison remains 1-year and 3-year behaviour. Taken together, those numbers point to a fund that has been modestly resilient, with the most recent figures looking stronger than the benchmark but still within a low-volatility framework.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 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_CRISIL_IBX_90_10_SDL_Plus_Gilt_%E2%80%93_Nov_2026_Index\"><\/span>Should you BUY or HOLD Bandhan CRISIL IBX 90:10 SDL Plus Gilt &#8211; Nov 2026 Index?<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 CRISIL IBX 90:10 SDL Plus Gilt &#8211; Nov 2026 Index? 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-crisil-ibx-90-10-sdl-plus-gilt-nov-2026-index-fund-g-direct-plan\">Bandhan CRISIL IBX 90:10 SDL Plus Gilt &#8211; Nov 2026 Index Fund Direct Growth Plan<\/a><\/td>\n<td>5.86%<\/td>\n<td>7.3%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-nasdaq-100-index-fund-g-direct-plan\">ICICI Pru NASDAQ 100 Index Fund Direct Growth Plan<\/a><\/td>\n<td>29.31%<\/td>\n<td>30.01%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/tata-nifty-capital-markets-index-fund-g-direct-plan\">Tata Nifty Capital Markets Index Fund Direct Growth Plan<\/a><\/td>\n<td>21.45%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/motilal-oswal-nifty-capital-market-index-fund-g-direct-plan\">Motilal Oswal Nifty Capital Market Index Fund Direct Growth Plan<\/a><\/td>\n<td>21.13%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/motilal-oswal-nifty-midsmall-financial-services-index-fund-g-direct-plan\">Motilal Oswal Nifty MidSmall Financial Services Index Fund Direct Growth Plan<\/a><\/td>\n<td>20.68%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-nifty-pharma-index-fund-g-direct-plan\">ICICI Pru Nifty Pharma Index Fund Direct Growth Plan<\/a><\/td>\n<td>17.57%<\/td>\n<td>18.84%<\/td>\n<td>Data not available<\/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>The fund\u2019s recent 1-year return is far below the most aggressive peer figures in this set, but that is partly a feature of the category mix rather than a simple weakness. Compared with peers that have available 3-year numbers, the fund\u2019s 7.3% sits well below the faster-growing equity-oriented funds listed here, while still showing a positive long-term pattern on its own terms.<\/p>\n<p>The short-term and longer-term comparisons tell different stories. In the near term, the gap versus peer returns is wide; over longer periods, the fund looks more stable and less cyclical, which is what many fixed-income investors are seeking. That makes the comparison less about chasing higher returns and more about judging whether the steadier path suits the investor\u2019s goals.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 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>7.57% Gujarat SDL (MD 09\/11\/2026)<\/td>\n<td>Government Securities<\/td>\n<td>19.58%<\/td>\n<\/tr>\n<tr>\n<td>8.72% Tamilnadu SDL (MD 19\/09\/2026)<\/td>\n<td>Government Securities<\/td>\n<td>16.75%<\/td>\n<\/tr>\n<tr>\n<td>7.4% Madhya Pradesh SDL (MD 09\/11\/2026)<\/td>\n<td>Government Securities<\/td>\n<td>11.18%<\/td>\n<\/tr>\n<tr>\n<td>5.74% GOI (MD 15\/11\/2026)<\/td>\n<td>Government Securities<\/td>\n<td>9.48%<\/td>\n<\/tr>\n<tr>\n<td>7.49% Gujarat SDL (MD 28\/09\/2026)<\/td>\n<td>Government Securities<\/td>\n<td>6.83%<\/td>\n<\/tr>\n<tr>\n<td>6.82% Maharashtra SDL (MD 23\/11\/2026)<\/td>\n<td>Government Securities<\/td>\n<td>6.15%<\/td>\n<\/tr>\n<tr>\n<td>7.22% Maharashtra SDL (MD 26\/10\/2026)<\/td>\n<td>Government Securities<\/td>\n<td>5.59%<\/td>\n<\/tr>\n<tr>\n<td>7.17% Rajasthan SDL (MD 28\/09\/2026)<\/td>\n<td>Government Securities<\/td>\n<td>5.58%<\/td>\n<\/tr>\n<tr>\n<td>364 Days Tbill (MD 12\/11\/2026)<\/td>\n<td>Treasury Bills<\/td>\n<td>5.52%<\/td>\n<\/tr>\n<tr>\n<td>7.16% Madhya Pradesh SDL (MD 28\/09\/2026)<\/td>\n<td>Government Securities<\/td>\n<td>3.84%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding, 7.57% Gujarat SDL (MD 09\/11\/2026), carries a 19.58% weight and is likely to have the greatest influence on the portfolio\u2019s near-term behaviour. The tenth holding still stands at 3.84%, so the drop from the top position to the tenth is meaningful, but not extreme.<\/p>\n<p>The displayed holdings together account for 90.5% of the portfolio, and the fund reports 16 total holdings. That suggests a portfolio that is fairly concentrated in a limited set of government-related securities rather than widely spread across many small positions.<\/p>\n<p>Because the top ten already make up most of the portfolio, the tail beyond the displayed list may contribute less to day-to-day movement. That structure can support stability, but it also means individual security selection and maturity profile may matter more than in a broadly diversified multi-asset fund.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/bandhan-crisil-ibx-90-10-sdl-plus-gilt-nov-2026-index-fund-g-direct-plan\">Bandhan CRISIL IBX 90:10 SDL Plus Gilt &#8211; Nov 2026 Index Fund Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 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 conservative investors who want low-volatility debt exposure and can accept modest return expectations. Its Low Risk label, government-heavy holdings and positive but restrained return pattern point to a role as a cautious allocation rather than a growth driver.<\/p>\n<p>The better fit is usually an investor with a shorter to medium horizon who values capital preservation and smoother movement more than high upside. The main trade-off is that the fund can behave more steadily than equity-oriented alternatives, but that steadiness comes with lower return potential and limited scope to keep pace with stronger risk assets.<\/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>Exit load: No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 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 CRISIL IBX 90:10 SDL Plus Gilt &#8211; Nov 2026 Index Fund Direct Growth Plan?<\/strong><br \/>Its NAV is \u20b913.0909 as of 17 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 5.86%, its 3-year return is 7.3%, and its 5-year return is Data not available.<\/p>\n<p><strong>How has the fund compared with its benchmark?<\/strong><br \/>It has stayed ahead of the benchmark over 1 month, 3 months, 1 year and 3 years based on the available return figures. The 5-year comparison is not available.<\/p>\n<p><strong>How does it compare with the peer funds listed here?<\/strong><br \/>Its recent return is well below the equity-oriented peer funds shown here, while its longer-term return is also lower than peers with available 3-year figures. The comparison reflects a more conservative debt-style profile rather than a growth-led one.<\/p>\n<p><strong>Is there a minimum SIP amount?<\/strong><br \/>The minimum SIP amount is \u20b9100.<\/p>\n<p><strong>What is the portfolio and exit-load profile?<\/strong><br \/>The portfolio is led by SDLs, government securities and treasury bills, with the largest disclosed holding at 19.58%. There is no exit load, and the fund is managed by Gautam Kaul and Harshal Joshi.<\/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>This fund\u2019s recent return pattern is steadier than the benchmark and its 3-year result remains positive, but its longer-run picture is still modest rather than standout. Compared with the listed peers, the return profile is more subdued, which fits its Low Risk nature and debt-heavy construction. The portfolio is concentrated in government securities and treasury bills, so it may appeal to investors looking for a cautious allocation with limited volatility rather than aggressive growth.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 18 September 2026 at 8:28 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 CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund Direct Growth Plan\",\"identifier\":\"bandhan-crisil-ibx-90-10-sdl-plus-gilt-nov-2026-index-fund-g-direct-plan\",\"category\":\"Index Funds\",\"dateCreated\":\"17 Nov 2022\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":13.0909,\"valueReference\":\"as of 17 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"89 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.1\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":5.86},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":7.3},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Gautam Kaul, Harshal Joshi\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its NAV is \u20b913.0909 as of 17 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 5.86%, its 3-year return is 7.3%, and its 5-year return is Data not available.\"}},{\"@type\":\"Question\",\"name\":\"How has the fund compared with its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has stayed ahead of the benchmark over 1 month, 3 months, 1 year and 3 years based on the available return figures. The 5-year comparison is not available.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with the peer funds listed here?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its recent return is well below the equity-oriented peer funds shown here, while its longer-term return is also lower than peers with available 3-year figures. The comparison reflects a more conservative debt-style profile rather than a growth-led one.\"}},{\"@type\":\"Question\",\"name\":\"Is there a minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9100.\"}},{\"@type\":\"Question\",\"name\":\"What is the portfolio and exit-load profile?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The portfolio is led by SDLs, government securities and treasury bills, with the largest disclosed holding at 19.58%. There is no exit load, and the fund is managed by Gautam Kaul and Harshal Joshi.\"}}]}<\/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 CRISIL IBX 90:10 SDL Plus Gilt &#8211; Nov 2026 Index Fund Direct Growth Plan has a NAV of \u20b913.0909 as of 17 Sep 2026, AUM of \u20b989 Cr, and 1Y\/3Y returns of 5.86%\/7.3%.<\/p>\n","protected":false},"author":38,"featured_media":254458,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-254459","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["254458"],"rank_math_title":["Bandhan SDL Plus Gilt Fund Review 2026: NAV &amp; Returns"],"rank_math_description":["Bandhan CRISIL IBX 90:10 SDL Plus Gilt Fund NAV is \u20b913.0909 as of 17 Sep 2026; 1Y return 5.86% and 3Y return 7.3%."],"rank_math_focus_keyword":["Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index 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_CRISIL_IBX_9010_SDL_Plus_Gilt_Nov_2026_Index_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Inv_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/254459","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=254459"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/254459\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/254458"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=254459"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=254459"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=254459"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}