Best Bandhan Hybrid Mutual Funds in 2025 - The Ultimate Guide
Indian investors favour hybrid mutual funds as they desire a balance between risk and returns. The Bandhan Mutual Fund (previously known as IDFC Mutual Fund) has its variety of hybrid funds which are available to first-time and experienced investors. Regardless of whether you are looking to make the best Bandhan hybrids fund investments in SIP or lump sum, or even to get the best portfolio diversification plan, this guide provides you with the necessary information you will need by 2025.
What Are Bandhan Hybrid Mutual Funds and Why Are They so Popular?
Van Bandhan investing in hybrid mutual funds invest in a combination of both equity (stocks) and debt (bonds, money market instruments). The concept is to have a balance between risk and higher returns than can be achieved with a debt or equity fund. Indian investors invest in Bandhan hybrid funds due to its good track record, consistent management of funds, and research potentials.
Key Features or Highlights
- Asset allocation: spreads funds in equity and debt and even gold to manage risk.
- Diversity: Has aggressive, balanced advantage, and conservative hybrid funds.
- Fully managed: Portfolio rebalancing by qualified fund managers.
- Tax efficiency: There are hybrid funds which are beneficial under tax saving section.
- Flexible investment: It enables SIP, lump sum investments, and STP investments to all kinds of investors.
Advantages and disadvantages of Bandhan Hybrid Mutual Funds.
Pros
- Moderate investors would have good balance of risk and returns.
- Past successful track record during fluctuating market cycles.
- Research-based and professional management.
- Apposite to medium and long term objectives.
Cons
- The returns are not predictable because markets are unpredictable.
- There are slight increases in expense ratios in some categories.
- The decision to switch between equity and debt will be determined by the timing in the market and the ability of the fund manager.
Did you know? As stated by AMFI, Indian hybrid funds experienced a 28 percent growth in investor folios in 2024 which is experiencing growing popularity among risk-averse investors.
The 2025 Live Top 10 Bandhan Hybrid Mutual Funds?
In order to make a decision, we cover best performing Bandhan hybrid schemes depending on risk appetite and investment objectives.
Bandhan Balanced Advantage Fund: Is It the Right Fund?
This fund is a dynamic shift between equity and debt based on the market conditions. It is appropriate to investors seeking to be steady when the market is volatile and at the same time seek to gain equity growth.
Key Features
- not fixed dynamic asset allocation.
- The equity exposure is between 30 and 80 percent.
- AUM as of January 2025: [?]7,150 Crores
- 3-year CAGR: 13.4 percent
- Minimum SIP: [?]100
Why Choose?
- Smooths the volatility shocks.
- Reduced drawdowns when correcting.
- Appropriate to first time mutual fund investor.
Pros and Cons
- Minimizes the effect of market fluctuation with dynamic distribution.
- May does not perform well during acutely bullish market environments of pure equity.
People also ask:
Is Bandhan Balanced Advantage Fund superior to pure equity funds?
Balanced advantage funds are more stable, whereas pure equity funds may pay better returns during bullish years.
Bandhan Aggressive Hybrid Fund - Who Should?
This one is mainly invested in equities (65 to 80 percent) and less invested in the debt. It is applicable to those investors who desire to take a comparatively higher returns with moderated risk which is ideal in objectives such as retirement planning.
Key Features
- 70 per cent equity, 30 per cent (average) debt.
- AUM: [?]3,950 Crores
- 5-year CAGR: 15.2 percent (2020-2025)
- Suitable for 3 years and above
- Suitable for SIP or lump sum
Highlights
- Brings in profits when stock prices are high, buffers losses when debts are low.
- Adheres to multi-cap method of stock selection.
Pros and Cons
- Greater potential of returns to moderate risk takers.
- Could be risky in sudden corrections in the market.
Bandhan Equity Savings Fund- Is it Low Risk?
Equity Savings Fund is an excellent investment that is suitable to conservative investors because it employs equity, arbitrage, and debt. The goal is to achieve consistent returns at a level of risk management.
Highlights
- Diversification Three way: equity, arbitrage, debt.
- AUM: [?]2,700 Crores (as of Feb 2025)
- 3-year CAGR: 9.2 percent
- Regular dividends monthly (depending on the availability of income).
Benefits
- Not as risky as aggressive and balanced hybrids.
- Suitable over the short- to medium-term objectives such as higher education of children or holidays.
Downsides
- The returns tend to be less than the aggressive hybrid funds.
- Losses might not cover inflation in high cost markets.
Insight of experts: Financial planners promote equity savings as an excellent stepping stone by conservative savers in shifting out of the pure debt exposure to equity exposure.
What Is Unique about Bandhan Conservative Hybrid Fund?
This fund reverses the normal direction of allocation of 75 to 90 percent debt and the remaining 10 percent equities as an additional growth. This is a type of scheme that is commonly favored by retirees or individuals who are close to retirement.
Highlights
- On average 80 percent debt, 20 percent equity.
- 3-year CAGR: 7.4 percent (as of March 2025)
- AUM: [?]1,850 Crores
- Concentrate in high quality government securities and blue chips.
Advantages
- Less volatility compared to other types of hybrids.
- Frequent earnings through Systematic Withdrawal Plans.
Potential Issues
- Less capital growth than more equity-oriented hybrids.
- Bonds are sensitive to changes in interest rates that affect the returns.
Comparison Table Bandhan Hybrid Mutual Funds 2025.
| Fund Name | equity allocation | Debt allocation | 3-year CAGR | AUM ([?]) Cr) | For Whom |
|---|---|---|---|---|---|
| Bandhan Balanced Advantage Fund | 30-80% | 20-70% | 13.4% | 7,150 | Balanced risk seekers. |
| Bandhan Aggressive Hybrid Fund | 65%-80% | 20%-35% | 15.2% | 3,950 | Intermediate risk takers. |
| Bandhan Equity Savings Fund | 20%-40% direct, up to 40% arbitrage | 20%-60% | 9.2% | 2,700 | Conservative investors. |
| Bandhan Conservative Hybrid Fund | 10%-25% | 75%-90% | 7.4% | 1,850 | Retirement, risk averse. |
What are the differences between these Bandhan funds?
Balanced Advantage Funds are suitable to individuals who would like auto rebalancing. The Aggressive hybrids are fitting to individuals having high expectations on returns whereas the Conservative hybrids are almost like debt funds with certain growth element.
People also ask:
What is exit load of Bandhan Hybrid Mutual Funds?
The majority of Bandhan hybrid funds have an exit load of 1 percent in case redeemed within 12 months. The most recent fund document should always be consulted to determine the current charges.
What to consider Before investing with Bandhan Hybrid Mutual Funds?
- Goal match: Select a type of hybrid that fits your horizon (short, medium, long term) as well as risk aversion.
- Track record: Find funds that have long-term records of good performance not only the previous year returns.
- Expense ratio: Lower expense funds would leave you with increased net returns.
- Fund manager experience:Bandhan has a healthy team, however, assess alterations in leadership in case they occur.
Did you know? The reason is that many Indian investors will rely on hybrid funds to plan the education of children in 2025.These funds offer a better combination of returns and lower volatility than equity-only funds.
Is Bandhan Hybrid Mutual funds SIP or a Lump Sum?
Absolutely. Bandhan is open to SIP (Systematic Investment Plan) with as small as [?]100 per month and lump sum investment. SIPs are beneficial in averaging cost of rupee, so that market highs and lows can be ironed out to smooth returns.
Who Should Choose SIP?
- Regular monthly cash flow of new investors.
- Individuals with long term investment interest.
- Individuals who do not want to time the market.
Who Should Choose Lump Sum?
- Big bonus or windfall investors.
- Only when verified by market valuations are not very expensive.
The taxation of Bandhan Hybrid Mutual Funds in 2025?
Depending on the volume of equity in the fund, taxation is determined.
Over 65 percent equity: Viewed as equity funds.
Short term (Less than 1 year): 15 percent on gains.
Long term: 10 percent on the gains beyond [?]1 lakh in a financial year.
Below 65 percent equity: Treated as debt funds.
Gains are included in your taxable income provided that it is less than 3 years.
After 3 years: 20 percent indexation benefits.
There are recent tax rules that you should always consult your financial advisor.
People also ask:
Is Bandhan Hybrid funds capable of generating monthly income?
There are some hybrid funds, particularly equity savings and conservative hybrids, which have SWP options of monthly income, but there is no guarantee of returns.
Best Bandhan Hybrid Mutual Fund in 2025: Expert Tips to Select the Best.
- Decide on your time frame and risk appetite and then decide on aggressive, balanced, or conservative hybrids.
- Risk and return can be balanced by diversification in two hybrid schemes when you have a large corpus.
- Track performance on a yearly round basis but do not change frequently to create a more powerful effect.
Expert opinion: SEBI registered advisors said that the hybrid mutual funds have assisted the Indian families to meet medium-term targets with a few sleepless nights than direct equity investing.
Quick Recap (TLDR)
- Bandhan Mutual fund provides the best hybrid funds: Balanced Advantage, Aggressive Hybrid, Equity Savings, and Conservative Hybrid.
- These funds are the best to invest in when one wants to control risks, potential growth and be flexible.
- Always match the fund that you choose with your time horizon and financial requirements.
- Ratio of check expenses, AUM and track record of fund managers.
- Begin with either SIP or lump sum.
- Taxes and exit loads should be known before investing.
Related FAQs - People also ask
What is the best Bandhan hybrid fund to invest as a first-time investor?
Bandhan Balanced Advantage Fund would be the best choice of most first timers because of its dynamic allocation and reduced volatility.
What is the frequency of Bandhan mutual funds rebalancing its hybrid funds?
Portfolios are held and rebalanced on monthly basis and dynamic depending on the nature of the hybrid scheme.
What is the risk rating of Bandhan hybrid funds?
Risk is variable: moderate risk is expressed in aggressive funds, balanced advantage funds, and equity savings and conservative hybrids, as well.
Should Bandhan hybrid mutual funds be invested in 2025?
SEBI regulates bandhan mutual funds and they can be said to be safe in terms of governance but market risks are always present to all mutual funds.
Is it possible to stop or halt my SIP in Bandhan hybrid funds?
Yes, through your mutual fund platform/app, you can amend, suspend or discontinue SIPs in Bandhan funds as needed.
Sources
- Official Website of Bandhan mutual fund,
AMFI
