CWT Sadharan Bima Growth Fund (CWTSBGF)

Growth+ dividends

CWT Sadharan Bima Growth Fund (CWTSBGF) returned 6.80% 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, managed by CWT Asset Management Company Limited (CWTAMC). Tracked since Sep 2020, with dividends reinvested by default or taken as cash.

৳13.80NAV per unit
৳7 crFund size
6.1 yrsSince Sep 2020
+11.59%Per year, max (6.1 yrs)
Start 100Now 193

Total-return path since Sep 2020, dividends reinvested.

Index, not taka.

See the numbers behind this chart
Month-by-month total-return index for CWT Sadharan Bima Growth Fund, dividends reinvested
MonthTotal-return index
Sep 2020100.00
Oct 2020104.70
Nov 2020102.50
Dec 2020115.30
Jan 2021137.20
Feb 2021133.70
Mar 2021133.10
Apr 2021132.70
May 2021136.70
Jun 2021136.30
Jul 2021144.70
Aug 2021150.80
Sep 2021156.50
Oct 2021168.10
Nov 2021164.90
Dec 2021163.90
Jan 2022163.90
Feb 2022152.20
Mar 2022146.30
Apr 2022153.60
May 2022150.00
Jun 2022151.10
Jul 2022147.80
Aug 2022152.80
Sep 2022155.20
Oct 2022156.20
Nov 2022157.30
Dec 2022157.40
Jan 2023157.40
Feb 2023151.90
Mar 2023155.20
Apr 2023158.50
May 2023155.70
Jun 2023153.70
Jul 2023155.70
Aug 2023154.20
Sep 2023158.50
Oct 2023164.10
Nov 2023161.90
Dec 2023163.90
Jan 2024163.90
Feb 2024150.80
Mar 2024147.90
Apr 2024145.80
May 2024139.50
Jun 2024143.60
Jul 2024143.00
Aug 2024153.60
Sep 2024160.10
Oct 2024151.40
Nov 2024154.70
Dec 2024151.40
Jan 2025151.40
Feb 2025157.60
Mar 2025155.90
Apr 2025154.30
May 2025155.80
Jun 2025159.90
Jul 2025174.20
Aug 2025179.10
Sep 2025176.50
Oct 2025193.80
Nov 2025191.70
Dec 2025189.20
Jan 2026184.40
Feb 2026195.10
Mar 2026175.80
Apr 2026185.30
May 2026188.10
Jun 2026198.60
Jul 2026202.20
Aug 2026193.40
Sep 2026193.10

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+9.87%+20.72%+5.46%
Year to date+2.07%+2.77%+4.08%
1 year+9.39%+9.39%+5.43%
2 years+20.59%+9.82%+11.68%
3 years+21.82%+6.80%+10.60%
5 years+23.39%+4.29%+7.32%
Max (6.1 yrs)+93.10%+11.59%+7.44%

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 14%/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+9.41%+5.35%+60.88%-10.40%61
3 years+6.80%+4.38%+16.59%-3.43%37

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.

Path risk over the same fixed 3-year window as the rating:

8.9%Downside deviation
-15%Worst drop
76%Positive 12-mo windows
14.5%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 Sadharan Bima Growth Fund, dividends reinvested
MonthValue of ৳1,000
Sep 2020৳1,000
Oct 2020৳1,047
Nov 2020৳1,025
Dec 2020৳1,153
Jan 2021৳1,372
Feb 2021৳1,337
Mar 2021৳1,331
Apr 2021৳1,327
May 2021৳1,367
Jun 2021৳1,363
Jul 2021৳1,447
Aug 2021৳1,508
Sep 2021৳1,565
Oct 2021৳1,681
Nov 2021৳1,649
Dec 2021৳1,639
Jan 2022৳1,639
Feb 2022৳1,522
Mar 2022৳1,463
Apr 2022৳1,536
May 2022৳1,500
Jun 2022৳1,511
Jul 2022৳1,478
Aug 2022৳1,528
Sep 2022৳1,552
Oct 2022৳1,562
Nov 2022৳1,573
Dec 2022৳1,574
Jan 2023৳1,574
Feb 2023৳1,519
Mar 2023৳1,552
Apr 2023৳1,585
May 2023৳1,557
Jun 2023৳1,537
Jul 2023৳1,557
Aug 2023৳1,542
Sep 2023৳1,585
Oct 2023৳1,641
Nov 2023৳1,619
Dec 2023৳1,639
Jan 2024৳1,639
Feb 2024৳1,508
Mar 2024৳1,479
Apr 2024৳1,458
May 2024৳1,395
Jun 2024৳1,436
Jul 2024৳1,430
Aug 2024৳1,536
Sep 2024৳1,601
Oct 2024৳1,514
Nov 2024৳1,547
Dec 2024৳1,514
Jan 2025৳1,514
Feb 2025৳1,576
Mar 2025৳1,559
Apr 2025৳1,543
May 2025৳1,558
Jun 2025৳1,599
Jul 2025৳1,742
Aug 2025৳1,791
Sep 2025৳1,765
Oct 2025৳1,938
Nov 2025৳1,917
Dec 2025৳1,892
Jan 2026৳1,844
Feb 2026৳1,951
Mar 2026৳1,758
Apr 2026৳1,853
May 2026৳1,881
Jun 2026৳1,986
Jul 2026৳2,022
Aug 2026৳1,934
Sep 2026৳1,931
৳1,000 · Sep 2020৳1,931 · 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)
SponsorSadharan Bima Corporation
TrusteeInvestment Corporation of Bangladesh (ICB)
CustodianBRAC Bank
Face valueBDT 10 per unit

What CWT Sadharan Bima Growth Fund holds

As of 30 Jun 2026

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

Asset mix
Listed equity 76.50%Cash at bank 18.94%Corporate bond / Sukuk 2.77%Government treasury bond 1.22%Non-listed mutual fund unit 0.57%
Sector allocation
Bank27.13%
Engineering20.39%
Pharmaceuticals & Chemicals17.37%
Telecommunication8.70%
Services & Real Estate2.90%
Top holdings
BRAC Bank11.61%
avg cost ৳35.08 · stmt mkt ৳65.50
BSRM Steels10.46%
avg cost ৳67.89 · stmt mkt ৳86.60
BSRM Limited9.92%
avg cost ৳88.29 · stmt mkt ৳105.60
Prime Bank9.50%
avg cost ৳22.39 · stmt mkt ৳30.00
Marico Bangladesh9.12%
avg cost ৳2,432.65 · stmt mkt ৳2,771.20
Square Pharmaceuticals8.26%
qty 27,460 · stmt mkt ৳224.00
Pubali Bank4.89%
avg cost ৳26.82 · stmt mkt ৳36.90
BSCPLC4.50%
avg cost ৳143.72 · stmt mkt ৳157.50
Robi Axiata4.20%
avg cost ৳31.56 · stmt mkt ৳32.60
Eastern Housing2.90%
avg cost ৳92.34 · stmt mkt ৳91.90
Beximco Green Sukuk2.77%
avg cost ৳72.64 · stmt mkt ৳75.00
TB2Y11261.22%
avg cost ৳100.00 · stmt mkt ৳100.75
Dutch-Bangla Bank1.13%
avg cost ৳43.16 · stmt mkt ৳44.40
VAML Growth Fund0.57%
avg cost ৳12.84 · stmt mkt ৳10.12

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 50.61% of the fund.

What changed in the latest statement

31 Mar 2026 → 30 Jun 2026before now

+ BSCPLC · new, 4.50%+ Eastern Housing · new, 2.90%+ Beximco Green Sukuk · new, 2.77%+ TB2Y1126 · new, 1.22%+ Dutch-Bangla Bank · new, 1.13%+ VAML Growth Fund · new, 0.57%− Jamuna Bank · no longer held− Ibn Sina Pharmaceutical · no longer held− Reliance Insurance · no longer held
Square Pharmaceuticals0.71% → 8.26%
BRAC Bank15.60% → 11.61%
BSRM Limited8.41% → 9.92%
BSRM Steels9.29% → 10.46%
Prime Bank10.54% → 9.50%
Marico Bangladesh10.13% → 9.12%

Asset mix: Listed equity 84.42% → 76.50%; Cash at bank 13.29% → 18.94%; Corporate bond / Sukuk is new (2.77%).

Its 5 largest holdings went from 53.97% to 50.61% 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 Sadharan Bima Growth Fund (CWTSBGF)

What kind of fund is CWT Sadharan Bima Growth Fund?
CWT Sadharan Bima Growth Fund is an 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 Sadharan Bima Growth Fund?
Over roughly 6.1 years to 3 Sep 2026, CWT Sadharan Bima Growth Fund returned about +11.59% 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 Sadharan Bima Growth Fund?
CWT Sadharan Bima Growth 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 Sadharan Bima Growth 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 Sadharan Bima Growth Fund?
CWT Sadharan Bima Growth 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 Sadharan Bima Growth Fund Shariah-compliant?
No. CWT Sadharan Bima Growth Fund is a conventional open-end fund, not Shariah-certified. ReturnKoto? has a one-tap filter to show only Shariah funds.

Compare CWT Sadharan Bima Growth Fund (CWTSBGF) 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.

3 of 513th of 16 growth funds

A rules-based score over the same fixed 3-year window every fund is measured on: return against its benchmark, downside deviation, worst drop and consistency, on a scale set for growth funds.

5-year rating: 3 of 5 over the same fixed 5-year window (7th of 14).

Return / year (3 yr)
+9.10%
Downside deviation
8.9%
Worst drop
-15%
Consistency
76%
Versus the market (DSEX)

Beta 0.55 · historically moved about 0.55% for each 1% move in the DSEX market index. DSEX explains roughly 29% of its month-to-month swings.

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