The Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund is a strategic investment option designed for investors seeking stable returns through a mix of state development loans (SDLs) and government securities. Ideal for conservative investors looking to diversify their portfolios, this fund aims to provide a balance of safety and yield. Its focus on high-quality debt instruments ensures lower risk while capitalizing on potential interest rate movements.

Diversified exposure to SDLs and government securities
Designed for conservative investors seeking stability
Aims for consistent returns over the investment horizon
Managed by experienced professionals
Suitable for long-term wealth accumulation

Investment Thesis

Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund presents a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. This fund is well-positioned to deliver stable returns in a dynamic market environment.

Strong backing from a reputable promoter group enhances trust and stability.
Significant growth potential in digital services aligns with market trends.
Attractive valuation offers a competitive edge over similar funds.
Focus on SDL and gilt securities provides a balanced risk-return profile.
Well-structured to cater to long-term investment goals for retail investors.

Opportunity vs Risk

Opportunities

Diversified exposure to government securities
Potential for stable returns
Lower volatility compared to equities
Tax benefits on long-term investments

Risks ⚠️

Interest rate fluctuations impact returns
Credit risk from underlying securities
Market sentiment can affect performance
Limited liquidity in certain market conditions

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 and HDFC Gilt, with rerating dependent on sustained margin stability and interest rate clarity.

???? Future Outlook

Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund has potential for steady returns, provided management maintains effective execution and cost control in navigating market fluctuations.

AI FAQs for Retail Users

Q: What is the Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund?
A: It's an index fund focusing on state development loans and government securities.
Q: What are the benefits of investing in this fund?
A: It offers diversification, lower risk, and potential income through government-backed securities.
Q: What is the investment horizon for this fund?
A: The fund is designed for a medium to long-term investment horizon until November 2026.
Q: Are there any risks associated with this fund?
A: Yes, like all investments, it carries market risk and interest rate risk.
Q: How can I invest in this fund?
A: You can invest through mutual fund platforms or directly via the fund house.

📊 Stock Investment Checklist (100 Points)

Bandhan CRISIL IBX 90:10 SDL Plus Gilt - Nov 2026 Index Fund • Updated: 2025-09-29 14:30:49

10

Business
High

The fund is focused on government securities, which are stable but lack high growth potential.
10

Growth
High

Consistent revenue growth from underlying assets, but limited profit growth due to fixed income nature.
10

Profitability
High

ROE and ROCE are stable, but cash flow is limited due to the nature of fixed income investments.
10

Valuation
High

Valuation metrics are in line with peers, but the fixed income nature limits upside.
8

Balance
High

Strong balance sheet with low debt, but liquidity can be a concern in market downturns.
7

Governance
High

Promoter holding is adequate, but there are concerns about transparency in disclosures.
6

Drivers
Good

Limited growth drivers; primarily influenced by interest rate movements.
5

Technicals
Good

Market sentiment is neutral with low liquidity.

Final Score & Verdict

Score 48 / 100 • Decent

The fund offers stability but lacks significant growth potential, making it suitable for conservative investors.