Bandhan SIP Plans

Bandhan SIP Plans offer a disciplined and convenient way to invest in mutual funds by allowing investors to contribute small amounts at regular intervals. With benefits like rupee cost averaging, compounding, flexibility, and low minimum investments, Bandhan SIPs help individuals steadily build wealth and achieve their financial goals while minimizing the impact of market volatility.

List of Top Bandhan SIP Plans

Fund Name Min SIP (₹) 3-Year Returns AUM (₹ Cr)
Bandhan Small Cap Fund ₹100 27.17% ₹9,516
Bandhan Sterling Value Fund ₹100 16.97% ₹9,429
Bandhan Focused Equity Fund ₹100 17.04% ₹1,685
Bandhan Infrastructure Fund ₹100 26.91% ₹1,563
Bandhan ELSS Tax Saver Fund ₹500 14.65% ₹6,596
Bandhan Aggressive Hybrid Fund ₹100 14.59% ₹818
Bandhan Nifty 50 Index Fund ₹100 12.64% ₹1,741
Bandhan Banking & PSU Debt Fund ₹100 7.11% ₹13,396

*Returns as of April 23, 2025. This is not an exhaustive list of plans.

How Bandhan SIPs Work

Bandhan SIP plans allow SIP investments as low as ₹100/month across equity, debt, and hybrid funds. Here are the key features of Bandhan SIPs.

  1. Flexibility:

    Choose daily, monthly, or quarterly SIP frequencies.

  2. Goal-based investing:

    Use SIP calculator to estimate returns for objectives like education or retirement.

  3. Tax benefits:

    ELSS funds qualify for ₹1.5L tax deductions under Section 80C.

Investment Objective of Top Bandhan SIP Funds

  1. Bandhan Small Cap Fund

    Bandhan Small Cap Fund seeks to generate long-term capital appreciation by investing predominantly in equities and equity-linked securities of the small-cap segment.

  2. Bandhan Sterling Value Fund

    Bandhan Sterling Value Fund seeks to generate capital appreciation from a diversified portfolio of equity and equity related instruments by following a value investment strategy.

  3. Bandhan Focused Equity Fund

    Bandhan Focused Equity Fund aims to generate capital appreciation by investing in a concentrated portfolio of equity & equity related instruments of up to 30 stocks.

  4. Bandhan Infrastructure Fund

    Bandhan Infrastructure Fund seeks to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities.

  5. Bandhan ELSS Tax Saver Fund

    Bandhan ELSS Tax Saver Fund focuses on creating a well-diversified portfolio by investing in fundamentally strong companies available at reasonable valuations. The fund can be fully invested in equities and equity-related securities, with up to 20% allocated to debt and money market instruments to manage risk. Diversification improves the best SIP plan outcome, making such funds suitable for investors seeking tax efficiency along with long-term growth.

  6. Bandhan Aggressive Hybrid Fund

    Bandhan Aggressive Hybrid Fund seeks to generate long term capital appreciation by investing predominantly in equity and equity related instruments. Bandhan Aggressive Hybrid Fund also seeks to generate current income by investing in debt securities and money market instruments.

  7. Bandhan Nifty 50 Index Fund

    Bandhan Nifty 50 Index Fund seeks to replicate the Nifty 50 Index by investing in securities of the Nifty 50 in the same proportion.

  8. Bandhan Banking & PSU Debt Fund

    Bandhan Banking & PSU Debt Fund aims to achieve optimal returns by investing in money market and debt instruments issued by scheduled commercial banks.

Bandhan SIP Calculator

Bandhan’s SIP calculator helps estimate returns by inputting:

  • Monthly investment amount

  • Expected return rate (e.g., 12% for equity funds)

  • Investment tenure (e.g., 10 years)

Example:

A ₹5,000/month SIP in Bandhan Small Cap Fund (12% expected return) over 15 years could grow to ₹25 lakhs.

Final Thoughts

Bandhan SIPs offer a disciplined way to build wealth, particularly through high-growth small- and mid-cap funds. ULIPs provide insurance coverage but come with higher costs compared to pure SIPs. Assess your financial goals and risk tolerance before choosing between these instruments.

FAQs

  • Can I stop or pause my Bandhan SIP anytime?

    Yes, you can stop or pause your SIP as per Bandhan Mutual Fund’s policy. Most fund houses allow you to discontinue or temporarily pause your SIP without penalties, though the process may vary.

  • Is SIP in Bandhan Mutual Fund safe?

    While SIPs offer a disciplined approach and help reduce risk through diversification and rupee cost averaging, they are subject to market risks and returns are not guaranteed.

  • What is the rupee cost averaging in SIPs?

    Rupee cost averaging means you buy more units when prices are low and fewer when prices are high, averaging out your purchase cost over time and reducing the impact of market volatility.

  • What is the minimum investment required to start a Bandhan SIP?

    You can start a Bandhan SIP with as little as ₹100 per month, making it accessible for investors at all income levels.

  • Can I withdraw my SIP investment anytime?

    Yes, you can redeem your mutual fund units at any time unless you are invested in a scheme with a lock-in period, such as an ELSS fund.
Invest ₹10K/Month & Get ₹1 Crore# Tax-Free*
*under 10(10D)

˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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