Are you looking to invest in mutual funds and stumbled upon Bandhan Mutual Fund? Want to know how it’s rated, whether it’s safe, and how it performs compared to competitors? You’re in the right place.
In this detailed blog post, we will cover everything you need to know about Bandhan Mutual Fund Rating in 2025, including:
- What is Bandhan Mutual Fund?
- Its journey and rebranding from IDFC Mutual Fund
- Latest 2025 Bandhan Mutual Fund Ratings
- Performance of top Bandhan schemes
- How ratings are assigned
- Who provides mutual fund ratings in India?
- Investor feedback and expert opinions
- Should you invest in Bandhan Mutual Funds?
Let’s dive in.
✅ What is Bandhan Mutual Fund?
Bandhan Mutual Fund is one of India’s fastest-growing mutual fund houses. It was formerly known as IDFC Mutual Fund until it rebranded in 2023 after a change in ownership. The asset management company (AMC) is now part of Bandhan Financial Holdings, which also owns Bandhan Bank.
With its roots in ethical finance and inclusive growth, Bandhan Mutual Fund aims to serve investors across urban and rural India. The AMC offers a variety of schemes including:
- Equity funds
- Debt funds
- Hybrid funds
- Tax-saving funds (ELSS)
- Index funds
- Liquid and overnight funds
This wide range of schemes makes it suitable for both beginners and experienced investors.
📈 Bandhan Mutual Fund Ratings 2025 – Overview
As of August 2025, Bandhan Mutual Fund has earned above-average ratings from several reputed agencies like Morningstar, CRISIL, and Value Research.
Here’s a quick summary:
| Agency | Overall Rating | Remarks |
|---|---|---|
| Morningstar | 3 to 5 stars (varies) | Strong performance in equity schemes |
| CRISIL | AA to AAA (debt funds) | Stable and consistent returns |
| Value Research | 3 to 4 stars | Efficient fund management |
| ICRA | High-quality ratings | Low default risk in debt instruments |
✅ Note: Ratings vary by individual scheme. Always check the latest rating before investing.
🏦 Bandhan Mutual Fund Rebranding: IDFC to Bandhan
Before diving into ratings, it’s crucial to understand the brand transition.
- Earlier Name: IDFC Mutual Fund
- New Name: Bandhan Mutual Fund
- Rebranding Date: March 2023
- Reason: IDFC AMC was acquired by a Bandhan-led consortium
- Impact: No change in fund management or investor holdings
This rebranding allowed the AMC to leverage Bandhan’s vast retail presence and increase market penetration.
⭐ Top Rated Bandhan Mutual Fund Schemes in 2025
Here’s a breakdown of some top-performing and highly-rated Bandhan mutual fund schemes:
1. Bandhan Flexi Cap Fund
- Category: Flexi Cap Equity Fund
- Morningstar Rating: ⭐⭐⭐⭐
- 1-Year Return (2024-25): 26.2%
- AUM: ₹9,870 crore
- Expense Ratio: 0.85%
- Risk Level: High
Ideal for long-term investors looking for aggressive capital appreciation across market caps.
2. Bandhan ELSS Tax Saver Fund
- Category: ELSS (Equity Linked Savings Scheme)
- Value Research Rating: ⭐⭐⭐⭐
- 3-Year CAGR: 18.4%
- Lock-in: 3 years (eligible for 80C tax deduction)
- AUM: ₹5,410 crore
Great choice for salaried investors seeking both tax savings and equity returns.
3. Bandhan Liquid Fund
- Category: Debt – Liquid
- CRISIL Rating: AAA (Stable)
- 1-Year Return: 6.7%
- Low Risk: Ideal for emergency fund or short-term parking of funds
4. Bandhan Core Equity Fund
- Category: Large and Mid Cap
- Morningstar Rating: ⭐⭐⭐⭐
- 5-Year CAGR: 17.8%
- Expense Ratio: 1.02%
Perfect for those who prefer stable returns with exposure to large and mid-sized companies.
5. Bandhan Hybrid Equity Fund
- Category: Aggressive Hybrid
- Value Research Rating: ⭐⭐⭐
- Asset Allocation: 65% Equity, 35% Debt
- Annualized Return: 13.5% (last 3 years)
Best suited for investors with medium risk appetite.
🧠 How Are Mutual Fund Ratings Determined?
Mutual fund ratings are a reflection of past performance, consistency, risk-adjusted returns, and fund manager strategy. Here’s how agencies rate funds:
| Parameter | Explanation |
|---|---|
| Historical Returns | 1, 3, 5-year performance vs benchmark |
| Risk Metrics | Standard deviation, Sharpe Ratio, Beta |
| Portfolio Quality | Asset allocation, stock/bond quality |
| Fund Manager Expertise | Track record and consistency |
| Expense Ratio | Lower costs often mean better net returns |
| AUM Growth | Shows investor trust and fund stability |
Different agencies may give slightly different ratings for the same fund due to variations in methodology.
🏢 Who Rates Mutual Funds in India?
Here are the top rating agencies and platforms in India:
- CRISIL (Credit Rating Information Services of India Ltd)
- Morningstar India
- Value Research Online
- ICRA
- CARE Ratings
These agencies use proprietary models to assign star ratings (1 to 5 stars) or letter grades (A to AAA) based on performance and risk.
🧾 Investor Feedback on Bandhan Mutual Funds
Since rebranding in 2023, investor sentiment toward Bandhan Mutual Fund has largely been positive.
🔷 Positive Feedback:
- Consistent returns in equity and hybrid categories
- Tax-saving options like ELSS
- Transparent communication and reports
- Easy SIP options via mobile apps
- Strong reputation inherited from IDFC AMC
🔻 Areas of Improvement:
- Slightly higher expense ratios in some funds
- Less presence in small cap category
- Mobile app interface needs refinement (as per reviews)
📊 Bandhan Mutual Fund – Performance Vs Competitors (2025)
| Fund House | Average Equity Return (3Y) | Rating Range |
|---|---|---|
| Bandhan Mutual Fund | 17.6% | ⭐⭐⭐ to ⭐⭐⭐⭐ |
| SBI Mutual Fund | 15.9% | ⭐⭐⭐ to ⭐⭐⭐⭐ |
| ICICI Prudential AMC | 16.5% | ⭐⭐⭐ to ⭐⭐⭐⭐ |
| HDFC Mutual Fund | 14.8% | ⭐⭐ to ⭐⭐⭐ |
| Axis Mutual Fund | 13.9% | ⭐⭐ to ⭐⭐⭐ |
Bandhan Mutual Fund ranks competitively and often outperforms major players in terms of returns.
💼 Should You Invest in Bandhan Mutual Fund?
Let’s break it down by investment goal:
| Investor Type | Recommendation |
|---|---|
| First-time Investor | Start with Bandhan Hybrid or ELSS fund |
| Tax-saving Goal | Use Bandhan ELSS Tax Saver |
| Long-term Equity Growth | Flexi Cap or Core Equity funds |
| Short-term Goals | Liquid Fund or Ultra Short Term Debt Fund |
| Retirement Planning | SIP in Hybrid + Equity mix over long-term |
✅ If you’re looking for a trusted AMC with a track record of solid returns, expert fund managers, and decent ratings, Bandhan Mutual Fund is a worthy choice.
🛡️ Is Bandhan Mutual Fund Safe?
Yes, it is a SEBI-registered and regulated AMC, meaning your investments are legally protected under Indian financial law. Also:
- All Bandhan schemes are audited regularly
- Assets are managed by experienced professionals
- Underlying securities are high-quality (especially in debt funds)
Just like any investment, mutual funds carry market risk, so make sure to match the fund’s objective with your risk appetite.
📱 How to Start Investing in Bandhan Mutual Funds
Here’s how to begin:
- KYC Registration (PAN, Aadhaar, Address Proof)
- Choose a Fund – Based on your goal
- Decide SIP or Lump Sum
- Use Official App or Website
- Track Performance Monthly
You can invest through platforms like:
- Groww
- Zerodha Coin
- Paytm Money
- ET Money
- Official Bandhan MF Website
🔚 Conclusion: Is Bandhan Mutual Fund Rating Worth Considering in 2025?
Absolutely. With solid returns, high ratings from reputed agencies, and strong post-rebranding momentum, Bandhan Mutual Fund is gaining trust among retail and institutional investors alike.
If you’re looking for a reliable AMC with diversified funds across equity, debt, and hybrid categories, Bandhan Mutual Fund is an excellent option in 2025.
But always remember—ratings are just indicators, not guarantees. Evaluate your goals, time horizon, and risk level before investing.
🔎 FAQs – Bandhan Mutual Fund Rating
❓ Is Bandhan Mutual Fund SEBI approved?
Yes, it’s fully SEBI-registered and operates under regulatory compliance.
❓ Is Bandhan Mutual Fund good for SIP?
Yes, many of its equity and hybrid funds are SIP-friendly with consistent performance.
❓ Are the old IDFC schemes still valid?
Yes, only the name has changed. The portfolio, NAV, and units remain unaffected.
❓ What is the minimum investment in Bandhan MF?
You can start SIPs with as little as ₹100 in select schemes.
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