Bank of India Conservative Hybrid Fund
- NAV as on 25 Sep 2026
- ₹35.04+0.05%1 day
- Return since launch
- 7.4%
- 52-week range
- ₹34.05 — ₹35.36
- AUM
- ₹65.22 Cr
Bank of India Conservative Hybrid Fund is a Conservative Hybrid hybrid fund from Bank of India Mutual Fund with ₹65.22 Cr under management, launched in 2009. Over three years it has returned 3.5% a year, against 7.0% for its category. The expense ratio is 2.25% and the SEBI riskometer reading is Moderate.
Performance
Bank of India Conservative Hybrid Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +2.4% against +1.7% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 1.7% | −0.9 pts | 2.6% | 0.8% |
| 2Y | 2.7% | −0.4 pts | 3.1% | 2.7% |
| 3Y | 3.5% | −3.5 pts | 7.0% | 4.5% |
| 5Y | 6.1% | −0.4 pts | 6.6% | 6.2% |
| 7Y | 8.0% | +0.9 pts | 7.1% | 6.8% |
| 10Y | 7.3% | +0.5 pts | 6.8% | 7.0% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -0.8% | +0.1 pts | -0.9% | -1.1% |
| 3M | -0.1% | 0.0 pts | -0.1% | -0.2% |
| 6M | 2.5% | −0.7 pts | 3.2% | 3.3% |
| 1Y | 2.4% | −0.2 pts | 2.6% | 1.7% |
| 2Y | 2.4% | −0.7 pts | 3.0% | 2.9% |
| 3Y | 5.7% | −1.3 pts | 7.0% | 7.0% |
| 5Y | 8.8% | +2.3 pts | 6.6% | 6.2% |
| 7Y | 9.5% | +1.8 pts | 7.7% | 7.4% |
| 10Y | 6.6% | −0.3 pts | 6.8% | 6.9% |
Since launch (28 Jan 2009): 7.4%
Calendar-year returns
Category averageShow as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 4.2% | −2.8 pts | 7.0% |
| 2024 | 6.9% | −4.1 pts | 11.0% |
| 2023 | 10.9% | −1.2 pts | 12.1% |
| 2022 | 21.5% | +16.4 pts | 5.1% |
| 2021 | 8.5% | −2.8 pts | 11.2% |
| 2020 | 11.4% | +0.9 pts | 10.5% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
2.27%
Expense ratio as on 23 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.85%
- Brokerage
- 0.03%
- Transaction charges
- 0.01%
- Statutory levies
- 0.38%
- Exit load
- Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months.
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Hybrid 85+15 Conservative Index
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Your principal is treated as being at moderate risk — typically medium duration debt and conservative hybrid schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | 0.86 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.09 | 0.72 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.14 | 1.03 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 4.15 | 4.32 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
Bank of India Conservative Hybrid Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Equity20.4%
- Debt59.3%
- Other20.3%
Market cap split
- Large54.1%
- Mid28.5%
- Small17.4%
- P/E
- 25.56
- P/B
- 3.57
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 20.65% | ₹13.47 Cr | +1.02% | +0.99% | +0.93% |
| GOI | Sovereign | 7.81% | ₹5.09 Cr | +7.91% | +7.89% | +6.89% |
| Indian Railway Finance Corporation Ltd. | Financial | 7.69% | ₹5.01 Cr | +7.77% | +7.76% | +7.59% |
| National Bank For Agriculture & Rural Development | Financial | 7.66% | ₹4.99 Cr | +7.77% | +7.76% | +7.61% |
| Power Finance Corporation Ltd. | Financial | 7.61% | ₹4.97 Cr | +3.20% | +6.20% | +6.08% |
| company:5500 | Financial | 5.92% | ₹3.86 Cr | — | — | — |
| Tata Capital Housing Finance Ltd. | Financial | 4.57% | ₹2.98 Cr | +4.63% | +4.64% | +4.55% |
| Muthoot Finance Ltd. | Financial | 3.84% | ₹2.51 Cr | +3.91% | +3.88% | +3.79% |
| Bajaj Finance Ltd. | Financial | 3.07% | ₹2.00 Cr | +3.12% | +3.08% | +3.02% |
| Nirma Ltd. | Consumer Staples | 3.07% | ₹2.00 Cr | +3.12% | — | — |
| Small Industries Devp. Bank of India Ltd. | Financial | 3.05% | ₹1.99 Cr | +3.09% | +3.08% | +3.03% |
| Glenmark Pharmaceuticals Ltd. | Healthcare | 2.66% | ₹1.74 Cr | +2.48% | +2.29% | +2.01% |
| company:1511 | Metals & Mining | 1.56% | ₹1.02 Cr | +0.99% | — | — |
| State Bank of India | Financial | 1.46% | ₹0.95 Cr | +1.09% | +0.92% | +1.02% |
| ICICI Bank Ltd. | Financial | 1.34% | ₹0.87 Cr | +0.78% | +0.42% | +0.52% |
| NTPC Ltd. | Energy | 1.13% | ₹0.74 Cr | +1.36% | +1.17% | +0.98% |
| company:434 | Consumer Staples | 1.06% | ₹0.69 Cr | — | — | — |
| Bharat Electronics Ltd. | Capital Goods | 1.02% | ₹0.66 Cr | +1.02% | +1.09% | +0.88% |
| Bharti Airtel Ltd. | Communication | 0.97% | ₹0.63 Cr | +0.60% | +0.60% | +0.59% |
| Adani Ports and Special Economic Zone Ltd. | Services | 0.94% | ₹0.61 Cr | +1.08% | +0.89% | +0.64% |
| Power Grid Corporation Of India Ltd. | Energy | 0.93% | ₹0.61 Cr | +1.04% | +1.05% | +0.94% |
| Asian Paints Ltd. | Materials | 0.92% | ₹0.60 Cr | +0.94% | +0.82% | — |
| SJS Enterprises Ltd. | Automobile | 0.75% | ₹0.49 Cr | +0.65% | +0.53% | +1.04% |
| Sky Gold And Diamonds Ltd. | Consumer Discretionary | 0.74% | ₹0.48 Cr | +0.49% | +0.33% | +0.47% |
| Dr. Reddy's Laboratories Ltd. | Healthcare | 0.71% | ₹0.46 Cr | — | — | — |
| MRF Ltd. | Automobile | 0.66% | ₹0.43 Cr | +0.62% | +0.69% | — |
| Reliance Industries Ltd. | Energy | 0.57% | ₹0.37 Cr | +0.60% | +0.62% | +0.30% |
| Mahindra & Mahindra Ltd. | Automobile | 0.55% | ₹0.36 Cr | — | — | — |
| company:20765 | Services | 0.55% | ₹0.36 Cr | — | — | — |
| Reserve Bank of India | Financial | 0.53% | ₹0.34 Cr | +0.53% | +0.51% | +1.46% |
| Ultratech Cement Ltd. | Materials | 0.51% | ₹0.33 Cr | — | — | — |
| Britannia Industries Ltd. | Consumer Staples | 0.40% | ₹0.26 Cr | +0.41% | +0.46% | — |
| HDFC Bank Ltd. | Financial | 0.22% | ₹0.14 Cr | — | — | — |
| Max Financial Services Ltd. | Financial | 0.19% | ₹0.12 Cr | +0.21% | +0.22% | — |
| Triveni Engineering & Industries Ltd. | Consumer Staples | 0.17% | ₹0.11 Cr | +0.22% | +0.23% | +0.20% |
| Zaggle Prepaid Ocean Services Ltd. | Technology | 0.13% | ₹0.09 Cr | +0.15% | +0.16% | +0.27% |
| Laxmi Dental Ltd. | Healthcare | 0.12% | ₹0.08 Cr | +0.15% | +0.12% | +0.20% |
| Triveni Power Transmission Ltd. | Capital Goods | 0.11% | ₹0.07 Cr | — | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| company:5500 | 0.00% | 5.92% | +5.92% |
| Manappuram Finance Ltd. | 1.56% | 0.00% | -1.56% |
| company:1511 | 0.00% | 1.56% | +1.56% |
| Power Finance Corporation Ltd. | 1.59% | 3.06% | +1.47% |
| company:434 | 0.00% | 1.06% | +1.06% |
| Siemens Ltd. | 0.88% | 0.00% | -0.88% |
| company:20765 | 0.00% | 0.55% | +0.55% |
| Bharti Airtel Ltd. | 0.65% | 0.97% | +0.32% |
| Glenmark Pharmaceuticals Ltd. | 2.44% | 2.66% | +0.22% |
| Indian Railway Finance Corporation Ltd. | 7.88% | 7.69% | -0.19% |
| National Bank For Agriculture & Rural Development | 7.85% | 7.66% | -0.19% |
| GOI | 7.97% | 7.81% | -0.16% |
| Sky Gold And Diamonds Ltd. | 0.60% | 0.74% | +0.14% |
| Tata Capital Housing Finance Ltd. | 4.68% | 4.57% | -0.11% |
| NTPC Ltd. | 1.22% | 1.13% | -0.09% |
| Power Grid Corporation Of India Ltd. | 1.02% | 0.93% | -0.09% |
| Adani Ports and Special Economic Zone Ltd. | 1.02% | 0.94% | -0.08% |
| Muthoot Finance Ltd. | 3.92% | 3.84% | -0.08% |
| Small Industries Devp. Bank of India Ltd. | 3.13% | 3.05% | -0.08% |
| Bajaj Finance Ltd. | 3.13% | 3.07% | -0.06% |
| Nirma Ltd. | 3.13% | 3.07% | -0.06% |
| Bharat Electronics Ltd. | 0.97% | 1.02% | +0.05% |
| Asian Paints Ltd. | 0.97% | 0.92% | -0.05% |
| Triveni Engineering & Industries Ltd. | 0.13% | 0.17% | +0.04% |
| Ultratech Cement Ltd. | 0.54% | 0.51% | -0.03% |
| Mahindra & Mahindra Ltd. | 0.58% | 0.55% | -0.03% |
| Reliance Industries Ltd. | 0.59% | 0.57% | -0.02% |
| SJS Enterprises Ltd. | 0.73% | 0.75% | +0.02% |
| State Bank of India | 1.44% | 1.46% | +0.02% |
| Zaggle Prepaid Ocean Services Ltd. | 0.15% | 0.13% | -0.02% |
| Britannia Industries Ltd. | 0.42% | 0.40% | -0.02% |
| Dr. Reddy's Laboratories Ltd. | 0.72% | 0.71% | -0.01% |
| HDFC Bank Ltd. | 0.23% | 0.22% | -0.01% |
| Laxmi Dental Ltd. | 0.13% | 0.12% | -0.01% |
| ICICI Bank Ltd. | 1.34% | 1.34% | 0.00% |
| MRF Ltd. | 0.66% | 0.66% | 0.00% |
| Max Financial Services Ltd. | 0.19% | 0.19% | 0.00% |
| Others | 0.34% | 0.34% | 0.00% |
| Reserve Bank of India | 0.53% | 0.53% | 0.00% |
| Triveni Power Transmission Ltd. | 0.11% | 0.11% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹1,433 Cr | 1.34% | 2.6% | 5.7% | 7.6% |
 Parag Parikh Conservative Hybrid Fund | ₹3,481 Cr | 0.67% | 3.5% | 6.4% | 8.5% |
 ICICI Prudential Conservative Hybrid Fund | ₹3,329 Cr | 1.73% | 1.7% | 5.6% | 7.3% |
 DSP Conservative Hybrid Fund | ₹178 Cr | 1.25% | 2.2% | 5.4% | 7.0% |
 HSBC Conservative Hybrid Fund | ₹156 Cr | 2.18% | 2.2% | 5.1% | 6.9% |
 Aditya Birla Sun Life Conservative Hybrid Active FoF | ₹18.08 Cr | 0.89% | 3.6% | 6.1% | 8.3% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The Scheme seeks to generate regular income through investments of a substantial portion in fixed income securities and long term capital appreciation by investing upto 20% of the net assets in equity and equity related instruments. The scheme will seek to build a well-diversified, high credit portfolio that minimizes liquidity risk and credit risk.
Fund managers
- Alok SinghMr. Singh is a CFA and PGDBA from ICFAI Business School.Prior to joining Bank of India AMC he has worked with BNP Paribas Asset Management and Axis Bank
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months2.46% absolute | ₹60,000 | ₹61,476 | 2.46% | |
| 1 year2.40% annualised | ₹1,20,000 | ₹1,21,571 | 1.31% | |
| 3 years5.68% annualised | ₹3,60,000 | ₹3,93,337 | 9.26% | |
| 5 years8.84% annualised | ₹6,00,000 | ₹7,56,615 | 26.10% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.