Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Sep 2027 Index Fund

The Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Sep 2027 Index Fund is a strategic investment vehicle designed for conservative investors seeking stable returns through government securities and state development loans. This fund is ideal for those looking to diversify their portfolios while minimizing risk. It matters because it offers a blend of safety and potential growth, making it suitable for long-term financial goals.

Focuses on government securities and SDLs
Ideal for conservative investors
Provides diversification in portfolios
Aims for stable, long-term returns
Managed by experienced professionals

Investment Thesis

Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Sep 2027 Index Fund presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. This fund is well-positioned to deliver solid returns for retail investors seeking stability and growth.

Strong backing from Bandhan Bank enhances credibility and investor confidence.
Digital services are rapidly expanding, offering a robust growth runway.
Attractive valuation metrics compared to similar funds in the market.
Focus on SDL and gilt securities provides a balanced risk-return profile.
Ideal for risk-averse investors looking for stable income and capital appreciation.

Opportunity vs Risk

Opportunities

Low expense ratio
Diversification in debt instruments
Potential for stable returns
Exposure to government securities

Risks ⚠️

Interest rate fluctuations
Credit risk in bonds
Market volatility impact
Liquidity concerns in fund

Peer Perspective

Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Sep 2027 Index Fund trades at a slight premium compared to peers like SBI Magnum Gilt Fund and HDFC Gilt Fund. A rerating could occur with improved interest rate stability.

???? Future Outlook

Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Sep 2027 Index Fund is poised for potential growth, provided that effective execution and cost control measures are maintained, ensuring stability in a fluctuating market.

AI FAQs for Retail Users

Q: What is Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Sep 2027 Index Fund?
A: It is a debt mutual fund investing primarily in government securities and state development loans.
Q: Who should consider investing in this fund?
A: Investors seeking stable returns with lower risk compared to equity investments may consider this fund.
Q: What is the investment horizon for this fund?
A: This fund is suitable for medium to long-term investment horizons, typically 3-5 years.
Q: What are the risks associated with this fund?
A: Interest rate risk and credit risk are the main risks, as it invests in fixed-income securities.
Q: How can I invest in this fund?
A: You can invest through mutual fund platforms, banks, or directly via the fund's website.

📊 Stock Investment Checklist (100 Points)

Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Sep 2027 Index Fund • Updated: 2025-09-29 14:31:01

10

Business
High

The sector is stable but lacks significant growth potential.
10

Growth
High

Moderate revenue growth observed, but profit consistency is a concern.
8

Profitability
High

ROE and ROCE are below industry averages, cash flow is inconsistent.
9

Valuation
High

Valuation metrics are slightly above peers, indicating potential overvaluation.
6

Balance
Good

Debt levels are manageable, but liquidity is a concern.
7

Governance
High

Promoter holding is stable, but some pledging exists.
5

Drivers
Good

Limited growth drivers identified, execution risks are present.
1

Technicals
Low

Weak market sentiment and low liquidity.

Final Score & Verdict

Score 48 / 100 • Risky

The fund shows potential risks with limited growth and profitability metrics, making it a risky investment.