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

The Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Sep 2027 Index Fund is designed for investors seeking a balanced approach to fixed-income investments. This fund primarily invests in State Development Loans (SDL) and government securities, offering stability and potential returns. Ideal for risk-averse investors, it provides an opportunity to diversify portfolios while aiming for steady income over the medium term. With a focus on safety and reliability, this fund is a strategic choice for those looking to enhance their investment horizon.

Balanced investment in SDL and government securities
Ideal for risk-averse investors
Offers potential for steady income
Helps in portfolio diversification
Focus on safety and reliability

Investment Thesis

The Bandhan CRISIL IBX 90:10 SDL Plus Gilt Index Fund offers a compelling investment opportunity, backed by a strong promoter group and credibility in the market. With a growing digital services landscape and attractive valuations compared to peers, this fund is poised for significant growth, making it an ideal choice for retail investors seeking stability and returns.

Strong backing from a reputable promoter group enhances investor confidence.
Digital services are expanding, creating a robust growth runway for the fund.
Attractive valuation metrics compared to peer funds indicate potential for upside.
Diversified exposure to SDL and gilt securities mitigates risk.
Ideal for conservative investors looking for stable returns in a volatile market.

Opportunity vs Risk

Opportunities

Stable returns from government securities
Diversification in fixed income portfolio
Potential for capital appreciation
Tax benefits on long-term investments

Risks ⚠️

Interest rate fluctuations impact returns
Market volatility affects fund performance
Credit risk from underlying securities
Liquidity concerns in bond markets

Peer Perspective

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

???? Future Outlook

With a focus on disciplined execution and cost control, Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Sep 2027 Index Fund is well-positioned to navigate market fluctuations, potentially delivering stable returns for retail investors.

AI FAQs for Retail Users

Q: What is Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Sep 2027 Index Fund (IDCW)?
A: It’s an index fund investing in state development loans and government securities.
Q: What does IDCW stand for?
A: IDCW stands for Income Distribution cum Capital Withdrawal, indicating potential income distributions.
Q: What is the investment horizon for this fund?
A: The fund targets a medium to long-term investment horizon until September 2027.
Q: Who should consider investing in this fund?
A: Investors seeking exposure to fixed income securities with moderate risk may consider this fund.
Q: Are there any risks involved in this investment?
A: Yes, as with all investments, there are risks including interest rate and credit risk.

📊 Stock Investment Checklist (100 Points)

Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Sep 2027 Index Fund(IDCW) • Updated: 2025-10-01 05:01:26

10

Business
High

The sector is stable but lacks significant growth drivers.
10

Growth
High

Moderate revenue growth observed, but profit consistency is lacking.
8

Profitability
High

ROE and ROCE are below industry averages.
10

Valuation
High

Valuation metrics are in line with peers but not compelling.
7

Balance
High

Debt levels are manageable, but liquidity is a concern.
6

Governance
Good

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

Drivers
Good

Limited growth catalysts identified.
5

Technicals
Good

Market sentiment is neutral with low liquidity.

Final Score & Verdict

Score 63 / 100 • Decent

The fund shows moderate potential but lacks strong growth and profitability metrics. Caution is advised.