CWT Community Bank Shariah Fund (CWTCBSF)

GrowthShariah+ dividends

CWT Community Bank Shariah Fund (CWTCBSF) returned 2.95% a year over the last 3 years, with cash dividends reinvested, based on NAV history through 2 Sep 2026.

Open-end growth mutual fund in Bangladesh, Shariah-compliant, managed by CWT Asset Management Company Limited (CWTAMC). Tracked since Oct 2023, with dividends reinvested by default or taken as cash.

৳10.56NAV per unit
৳6 crFund size
3.0 yrsSince Oct 2023
+2.95%Per year, max (3.0 yrs)
Start 100Now 109

Total-return path since Oct 2023, dividends reinvested.

Index, not taka.

See the numbers behind this chart
Month-by-month total-return index for CWT Community Bank Shariah Fund, dividends reinvested
MonthTotal-return index
Oct 2023100.00
Nov 2023100.00
Dec 2023100.50
Jan 2024101.40
Feb 2024104.40
Mar 2024102.30
Apr 2024101.70
May 202497.30
Jun 202499.50
Jul 202499.50
Aug 2024103.70
Sep 2024105.10
Oct 2024100.00
Nov 2024102.10
Dec 2024102.00
Jan 2025102.00
Feb 2025103.30
Mar 2025102.60
Apr 2025103.40
May 2025100.50
Jun 2025101.60
Jul 2025101.60
Aug 2025105.70
Sep 2025103.70
Oct 2025106.80
Nov 2025106.20
Dec 2025103.50
Jan 2026107.10
Feb 2026110.00
Mar 2026105.50
Apr 2026106.00
May 2026106.60
Jun 2026111.90
Jul 2026111.60
Aug 2026108.70
Sep 2026108.80

Latest NAV date: 3 Sep 2026.Source: CWT Asset Management Company Limited (CWTAMC)'s website.Figures as of 2 Sep 2026.

Historical returns

Total return reinvests every dividend. “Per year” is the annualized compound rate. The last column is the return on a fixed amount invested every month (SIP).

Return period Total return Per year Monthly SIP /yr
6 months+3.13%+6.35%+1.62%
Year to date+5.18%+6.96%+2.31%
1 year+4.97%+4.97%+3.30%
2 years+3.58%+1.77%+3.82%
Max (3.0 yrs)+8.85%+2.95%+3.24%

Bars in each column are relative to the largest figure in that column, not a 0 to 100% scale.

Figures as of 3 Sep 2026 Total return includes the fund’s cash dividends (about 3.4%/yr), reinvested by default.

Rolling returns & path risk

A single look-back can flatter or punish a start date. These figures walk the whole history.

Rolling window Latest Median Best Worst Windows
1 year+4.92%+2.51%+10.14%-1.33%24
3 yearsNeeds 3 years of history

Each window is annualized total return (dividends reinvested). Latest is the most recent closed window; median / best / worst summarize every overlapping window of that length. Tap ? on a column header for a short tip.

Track record too short for the fixed 3-year window (needs 36 closed months). Figures below use about 2.9 years of available history:

5.5%Downside deviation
-7%Worst drop
88%Positive 12-mo windows
8.3%Volatility (ann.)

Downside deviation only counts losing months. Worst drop is the deepest peak-to-trough fall inside the window. These are measured facts from the NAV series; the star composite that uses them stays experimental.

Calculate your return

Just this fund. Set an amount, pick one-time or monthly, and choose a period.

৳
Dividends
See the numbers behind this chart
Month-by-month value of a ৳1,000 lump sum in CWT Community Bank Shariah Fund, dividends reinvested
MonthValue of ৳1,000
Oct 2023৳1,000
Nov 2023৳1,000
Dec 2023৳1,005
Jan 2024৳1,014
Feb 2024৳1,044
Mar 2024৳1,023
Apr 2024৳1,017
May 2024৳973
Jun 2024৳995
Jul 2024৳995
Aug 2024৳1,037
Sep 2024৳1,051
Oct 2024৳1,000
Nov 2024৳1,021
Dec 2024৳1,020
Jan 2025৳1,020
Feb 2025৳1,033
Mar 2025৳1,026
Apr 2025৳1,034
May 2025৳1,005
Jun 2025৳1,016
Jul 2025৳1,016
Aug 2025৳1,057
Sep 2025৳1,037
Oct 2025৳1,068
Nov 2025৳1,062
Dec 2025৳1,035
Jan 2026৳1,071
Feb 2026৳1,100
Mar 2026৳1,055
Apr 2026৳1,060
May 2026৳1,066
Jun 2026৳1,119
Jul 2026৳1,116
Aug 2026৳1,087
Sep 2026৳1,088
৳1,000 · Oct 2023৳1,088 · 3 Sep 2026

Total-return NAV rebased to your amount. Dividends are reinvested by default; switch to taken as cash above.

Fund details

Management fee2.50% down to 1.00% per year (tiered by fund size)
Early-exit feeNo separate exit load; sale/repurchase spread (~BDT 0.30/unit, capped at 5% of sale price)
Minimum investment500 units individual / 5,000 units institution (BDT 5,000 / BDT 50,000)
LiquidityOpen-end, redeemable weekly at NAV
Asset managerCWT Asset Management Company Limited (CWTAMC)
SponsorCommunity Bank Bangladesh
TrusteeSandhani Life Insurance
CustodianBRAC Bank
Face valueBDT 10 per unit

What CWT Community Bank Shariah Fund holds

As of 30 Jun 2026

From the fund’s quarterly portfolio disclosure. Percentages by market value.

Asset mix
Listed equity 67.17%Term deposit 19.04%Islamic bond 13.40%Cash at bank 0.39%
Sector allocation
Pharmaceuticals & Chemicals22.65%
Engineering16.04%
Telecommunication15.80%
Cement8.79%
Miscellaneous3.19%
Bank0.72%
Top holdings
Term deposits19.04%
Marico Bangladesh16.64%
avg cost ৳2,371.75 · stmt mkt ৳2,771.20
BSRM Limited16.04%
avg cost ৳92.02 · stmt mkt ৳105.60
Robi Axiata15.80%
avg cost ৳29.40 · stmt mkt ৳32.60
CIBRR 1st Revised13.40%
avg cost ৳10,000.00 · stmt mkt ৳10,000.00
LafargeHolcim Bangladesh8.79%
avg cost ৳49.67 · stmt mkt ৳56.00
Square Pharmaceuticals6.00%
avg cost ৳212.78 · stmt mkt ৳224.00
Berger Paints Bangladesh3.19%
avg cost ৳1,546.67 · stmt mkt ৳1,427.70
Shahjalal Islami Bank0.72%
avg cost ৳18.15 · stmt mkt ৳18.00

Each bar is sized against the largest name in this list, so you can compare them to each other. The percentage is still that name’s share of the whole fund.

Its 5 largest holdings are 80.92% of the fund.

What changed in the latest statement

31 Mar 2026 → 30 Jun 2026before now

+ Term deposits · new, 19.04%+ BSRM Limited · new, 16.04%+ CIBRR 1st Revised · new, 13.40%+ LafargeHolcim Bangladesh · new, 8.79%− Bangladesh Shipping Corporation · no longer held− Ibn Sina Pharmaceutical · no longer held− Reckitt Benckiser Bangladesh · no longer held
Square Pharmaceuticals12.61% → 6.00%
Berger Paints Bangladesh9.50% → 3.19%
Robi Axiata12.67% → 15.80%
Marico Bangladesh18.67% → 16.64%

Asset mix: Listed equity 68.30% → 67.17%; Term deposit is new (19.04%); Islamic bond is new (13.40%); Cash at bank is new (0.39%); Cash at bank / term deposit exited (was 31.70%).

Its 5 largest holdings went from 63.93% to 80.92% of the fund.

Position sizes shift with both trading and market prices; both snapshots come from the fund manager’s own statements.

✓ Verified from CWT quarterly portfolio statement (30 Jun 2026). Holdings are disclosed quarterly, so they can lag the latest daily NAV.

Side by side with another fund

Questions about CWT Community Bank Shariah Fund (CWTCBSF)

What kind of fund is CWT Community Bank Shariah Fund?
CWT Community Bank Shariah Fund is an Shariah-compliant open-end growth mutual fund in Bangladesh, managed by CWT Asset Management Company Limited (CWTAMC). You buy and redeem units at its published net asset value (NAV), and it has no fixed maturity.

What is the historical return of CWT Community Bank Shariah Fund?
Over roughly 3.0 years to 3 Sep 2026, CWT Community Bank Shariah Fund returned about +2.95% per year, as a total return with dividends reinvested. The figure changes with the period you choose, and past performance does not guarantee future results.

What are the fees for CWT Community Bank Shariah Fund?
CWT Community Bank Shariah Fund charges a management fee of 2.50% down to 1.00% per year (tiered by fund size). Its published NAV, and so every return shown, is already net of this fee.

Does CWT Community Bank Shariah Fund have an exit load?
No separate exit load; sale/repurchase spread (~BDT 0.30/unit, capped at 5% of sale price).

What is the minimum investment for CWT Community Bank Shariah Fund?
CWT Community Bank Shariah Fund has a one-time minimum of 500 units individual / 5,000 units institution (BDT 5,000 / BDT 50,000) and a monthly SIP from BDT 1,000/month.

Is CWT Community Bank Shariah Fund Shariah-compliant?
Yes. CWT Community Bank Shariah Fund is a Shariah-compliant fund, investing only in Islamically permissible ways under a Shariah supervisory board.

Compare CWT Community Bank Shariah Fund (CWTCBSF) with other funds →
ExperimentalReturnKoto? ratingstill being calibrated

Rules-based rating for each fund. Experimental; treat as one input for your own research. Every sub-score is on the ratings page.

Not yet rated

A rating needs at least three years of history; this fund has about 3.0. The figures below are still measured from its NAVs.

Return / year
n/a
Downside deviation
n/a
Worst drop
n/a
Consistency
n/a
Versus the market (DSEX)

Beta 0.33 · historically moved about 0.33% for each 1% move in the DSEX market index. DSEX explains roughly 46% of its month-to-month swings.

✓ Rules-based, measured from the fund’s own NAV history. How the rating will work.