Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund(IDCW)

The Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund is designed for investors seeking a balanced approach to fixed-income investments. This fund combines State Development Loans (SDLs) and government securities, making it a reliable choice for conservative investors looking for stability and regular income. It matters because it offers a systematic way to invest in government-backed securities, ensuring lower risk and potential for steady returns.

Targeted at conservative investors
Combines SDLs and government securities
Offers stability and regular income
Lower risk investment option
Ideal for long-term financial goals

Investment Thesis

Bandhan CRISIL IBX 90:10 SDL Plus Gilt Index Fund offers a compelling investment opportunity with its strong promoter credibility, significant growth potential in digital services, and attractive valuations compared to peers. This fund is well-positioned to deliver stable returns in a volatile market.

Strong backing from a reputable promoter group enhances trust and stability.
Digital services are on a growth trajectory, providing a solid runway for future returns.
Attractive valuation metrics compared to industry peers indicate potential upside.
Diversified portfolio reduces risk while aiming for consistent income generation.
Ideal for investors seeking exposure to government securities and gilt funds.

Opportunity vs Risk

Opportunities

Stable income from government bonds
Diversification in fixed income portfolio
Potential for capital appreciation
Low correlation with equities

Risks ⚠️

Interest rate fluctuations impact returns
Credit risk from bond issuers
Market volatility affecting NAV
Limited liquidity in bond market

Peer Perspective

Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund trades at a slight premium compared to peers like Nippon India Gilt Fund and HDFC Gilt Fund; a sustained improvement in interest rate stability could trigger a rerating.

???? Future Outlook

With a focus on disciplined execution and cost control, Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund has the potential to deliver stable returns, appealing to risk-conscious investors in the current market environment.

AI FAQs for Retail Users

Q: What is the Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund?
A: It is a debt mutual fund focusing on government securities and state development loans.
Q: What does IDCW mean in this fund?
A: IDCW stands for Income Distribution cum Capital Withdrawal, indicating potential income payouts.
Q: Who should consider investing in this fund?
A: Investors seeking stable returns with lower risk through government-backed securities may find it suitable.
Q: What is the investment horizon for this fund?
A: This fund is designed for medium to long-term investments, ideally until the maturity date.
Q: Are there any risks involved in this fund?
A: Yes, like all investments, it carries interest rate risk and credit risk associated with bonds.

📊 Stock Investment Checklist (100 Points)

Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund(IDCW) • Updated: 2025-10-01 05:01:17

10

Business
High

The fund is in a stable sector but lacks a clear competitive advantage.
10

Growth
High

Moderate revenue growth observed, but profit consistency is variable.
10

Profitability
High

ROE and ROCE are acceptable, but cash flow is inconsistent.
8

Valuation
High

Valuation metrics are slightly above peers, indicating potential overvaluation.
7

Balance
High

Debt levels are manageable, but liquidity could be improved.
6

Governance
Good

Promoter holding is decent, but there are concerns about disclosures.
5

Drivers
Good

Limited growth catalysts identified, with execution risks present.
5

Technicals
Good

Market sentiment is neutral, with low liquidity.

Final Score & Verdict

Score 66 / 100 • Decent

The fund shows potential but has several areas of concern that need to be addressed for better performance.