Investment Objective and Approach

The Scheme seeks to offer an investment avenue for short term savings by looking to generate returns commensurate with a low risk strategy and with high liquidity, from a portfolio that is invested in debt and money market securities with maturity up to 91 days.

Bandhan Liquid Fund - Regular Plan is mandated to invest in bonds having a maturity of up to three months. The fund follows a conservative investment strategy focusing on maintaining capital preservation while providing better returns than traditional savings accounts. As of 31-Jul-2023, Bandhan Liquid Fund - Regular Plan had invested 96% in Debt and 4% in Cash & Cash Eq.

The fund is designed for investors looking to park surplus money for short durations ranging from a few weeks to a year. It aims to provide marginally higher returns than bank savings accounts while maintaining high liquidity and low risk profile.

Key fund details as of August 2025:

- Asset Under Management (AUM) of ₹14,391.30 crores as on 2025-08-11

- Expense ratio of 0.25%

- Fund launched on 01-04-2004

- Minimum SIP amount of ₹100

- Minimum Lumpsum Investment is ₹100

Fund Managers

The Bandhan Liquid Fund is managed by experienced fund management professionals with extensive expertise in fixed income investments:

Harshal Joshi: Mr Harshal Joshi has an experience of over 9 years in the Mutual Fund industry. He has worked with IDFC AMC since December 2008 in the Fixed Income Investment segment. He is PGDBM from N.L. Dalmia Institute of Management Studies and Research, Mumbai. Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) in 2008 he has worked with ICAP India Pvt. Ltd.

Brijesh Shah: Mr Brijesh Shah holds a Post Graduate Diploma in Finance and carries over 10+ years of experience in the Fixed Income market. Prior to Bandhan Mutual Fund, he was a part of Mata Securities, Twenty-First Century, IDBI Asset Management Ltd., etc. Mr. Shah is a Post Graduate Diploma in Finance. Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) he has worked with IDBI Mutual Fund, IndiaBulls Mutual Fund, Mata Securities & Twenty First Century.

Gautam Kaul: Mr Gautam Kaul is an MBA in Finance from Pune University. He has over 16 years of experience in Fixed Income Investments. He was a leading member of several leading AMCs like Standard Chartered Asset Management Co. Pvt. Ltd., HSBC AMC, Deutsche Bank AG, etc.

About the Fund House (AMC)

Bandhan Mutual Fund was set up on March 13, 2000. It is one of the largest Mutual Fund houses in India's domestic market. Before being named Bandhan Mutual Fund, the AMC was named IDFC Mutual Fund and its parent company was IDFC Ltd. Established in 2000, IDFC Mutual Fund was one of the largest Mutual Fund houses in India.

April 2022 marked the acquisition of IDFC Asset Management Company by Bandhan along with a consortium. The consortium included Bandhan Financial Holdings Limited, Singapore's Sovereign Fund GIC, and ChrysCapital. Post the acquisition, the IDFC Mutual Fund was renamed Bandhan Mutual Fund in March 2023.

Key highlights of Bandhan Mutual Fund:

- As of March 2024, the fund house manages assets worth Rs. 137193.31 crores

- It currently offers 76 mutual fund schemes to its investors. These are diversified across debt, equity, hybrid, and other schemes

- Bandhan Mutual Fund is led by a team of experienced fund managers that includes Mr Manish Gunwani, Daylynn Gerard Paul Pinto, Sachin Relekar, Nemish Sheth, Sumit Agrawal, Harshal Joshi, Viraj Kulkarni, Brijesh Shah, Gautam Kaul, and Suyash Choudhary

The fund house has established itself as a significant player in the Indian mutual fund industry with a focus on providing accessible investment solutions to retail investors across various risk categories.

Should I Invest in Bandhan Liquid Fund?

Bandhan Liquid Fund is suitable for investors seeking:

Short-term parking of funds: The fund is ideal for investors who want to park surplus money for periods ranging from a few weeks to a year while earning better returns than savings accounts.

Low-risk investment option: The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital. Though rare, there have been few instances when liquid funds have incurred losses.

Emergency fund creation: They are suitable to park the amount you have set aside to meet any emergency needs or any surplus money that you don't need for a few weeks up to a year. You can expect to earn better returns than what you would get from a bank account.

High liquidity requirement: The fund offers high liquidity with no lock-in period, making it suitable for investors who may need quick access to their funds.

However, investors should note that these funds are geared to deliver only marginally higher returns than your bank account and are not suitable for long-term wealth creation goals.

The fund's expense ratio of 0.25% is quite reasonable as compared to most other debt mutual fund schemes, making it a cost-effective option for short-term investments.

FAQs

What is today's NAV of Bandhan Liquid Fund?

The latest NAV is ₹3205.471 as on 12 Aug 2025 at 7:08 pm. NAV changes daily based on market conditions.

What is the AUM of Bandhan Liquid Fund?

The fund has an AUM of ₹14,391.30 Crores as of August 2025, indicating strong investor confidence in the scheme.

What is the expense ratio of Bandhan Liquid Fund?

The expense ratio of Bandhan Liquid Fund - Regular Plan is 0.25%. This is competitive compared to other liquid funds in the market.

What are the returns of Bandhan Liquid Fund since inception?

Bandhan Liquid Fund Direct Plan-Growth scheme return performance in last 1 year is 7.05%, in last 3 years is 22.73% and 129.48% since scheme launch.

What is the minimum SIP amount to invest in Bandhan Liquid Fund?

The minimum SIP amount of Bandhan Liquid Fund - Regular Plan is ₹100. This makes it accessible for small investors to start their investment journey.

How do I invest in Bandhan Liquid Fund?

You can invest in Bandhan Liquid Fund through Allvest platform by completing KYC, selecting the fund, and choosing between lumpsum or SIP investment options.

How to start a SIP in Bandhan Liquid Fund?

Login to your Allvest account, search for Bandhan Liquid Fund, select the SIP option, choose the amount and frequency, and set up auto-debit instructions for hassle-free investing.

How do I automate an SIP in Bandhan Liquid Fund?

Through Allvest, you can set up automatic SIP by providing bank account details and enabling auto-debit facility, ensuring timely investments without manual intervention.

How can I withdraw/redeem my investment in Bandhan Liquid Fund?

There is no lock in period in Bandhan Liquid Fund - Regular Plan. You can redeem your investment anytime through Allvest platform by placing a redemption request online.