Bank of India Conservative Hybrid Fund
- NAV as on 9 Nov 2026
- ₹35.46+0.24%1 day
- Return since launch
- 7.4%
- 52-week range
- ₹34.05 — ₹35.37
- AUM
- ₹68.35 Cr
Bank of India Conservative Hybrid Fund is a Conservative Hybrid hybrid fund from Bank of India Mutual Fund with ₹68.35 Cr under management, launched in 2009. Over three years it has returned 3.9% a year, against 7.2% 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 +2.1% against +1.3% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 3.5% | +1.1 pts | 2.4% | 2.6% |
| 2Y | 3.6% | −0.2 pts | 3.8% | 3.4% |
| 3Y | 3.9% | −3.4 pts | 7.2% | 4.6% |
| 5Y | 6.0% | −0.5 pts | 6.5% | 6.4% |
| 7Y | 7.9% | +0.8 pts | 7.1% | 6.9% |
| 10Y | 7.3% | +0.5 pts | 6.9% | 7.0% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 1.9% | −0.2 pts | 2.0% | 2.0% |
| 3M | 0.4% | +0.6 pts | -0.2% | -0.3% |
| 6M | 1.6% | −0.8 pts | 2.4% | 2.3% |
| 1Y | 2.1% | −0.3 pts | 2.4% | 1.4% |
| 2Y | 3.3% | −0.9 pts | 4.2% | 4.2% |
| 3Y | 5.9% | −1.4 pts | 7.2% | 7.3% |
| 5Y | 8.9% | +2.3 pts | 6.5% | 6.3% |
| 7Y | 9.4% | +1.8 pts | 7.6% | 7.3% |
| 10Y | 6.7% | −0.2 pts | 6.9% | 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 6 Nov 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 | — | 0.89 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | -0.04 | 0.60 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | -0.06 | 0.83 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 4.24 | 3.81 | 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 30 Sep 2026
Asset allocation
- Equity20.5%
- Debt49.8%
- Other29.7%
Market cap split
- Large58.3%
- Mid23.0%
- Small18.8%
- P/E
- 24.34
- P/B
- 3.45
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 24.46% | ₹16.11 Cr | +1.02% | +1.02% | +0.93% |
| GOI | Sovereign | 7.66% | ₹5.05 Cr | +7.87% | +7.90% | +4.11% |
| Indian Railway Finance Corporation Ltd. | Financial | 7.57% | ₹4.99 Cr | +7.79% | +7.78% | +7.64% |
| Power Finance Corporation Ltd. | Financial | 7.53% | ₹4.96 Cr | +3.12% | +2.36% | +6.10% |
| Punjab National Bank | Financial | 5.89% | ₹3.88 Cr | — | — | — |
| Tata Capital Housing Finance Ltd. | Financial | 4.48% | ₹2.95 Cr | +4.61% | +4.65% | +4.55% |
| Muthoot Finance Ltd. | Financial | 3.80% | ₹2.51 Cr | +3.87% | +3.92% | +3.80% |
| Nirma Ltd. | Consumer Staples | 3.04% | ₹2.00 Cr | +3.08% | — | — |
| Bajaj Finance Ltd. | Financial | 3.03% | ₹2.00 Cr | +3.08% | +3.12% | +3.03% |
| Small Industries Devp. Bank of India Ltd. | Financial | 3.00% | ₹1.98 Cr | +3.09% | +3.10% | +3.04% |
| Glenmark Pharmaceuticals Ltd. | Healthcare | 2.30% | ₹1.52 Cr | +2.37% | +2.32% | +2.04% |
| State Bank of India | Financial | 1.60% | ₹1.06 Cr | +1.42% | +1.11% | +1.11% |
| Hindustan Copper Ltd. | Metals & Mining | 1.39% | ₹0.92 Cr | — | +0.74% | — |
| ICICI Bank Ltd. | Financial | 1.20% | ₹0.79 Cr | +1.06% | +0.37% | +0.50% |
| NTPC Ltd. | Energy | 1.10% | ₹0.73 Cr | +1.23% | +1.30% | +1.02% |
| Adani Ports and Special Economic Zone Ltd. | Services | 1.05% | ₹0.69 Cr | +1.07% | +0.79% | +0.81% |
| Balrampur Chini Mills Ltd. | Consumer Staples | 1.01% | ₹0.66 Cr | — | — | — |
| Bharat Electronics Ltd. | Capital Goods | 0.94% | ₹0.62 Cr | +1.01% | +1.00% | +0.97% |
| Bharti Airtel Ltd. | Communication | 0.93% | ₹0.62 Cr | +0.60% | +0.58% | +0.59% |
| Power Grid Corporation Of India Ltd. | Energy | 0.91% | ₹0.60 Cr | +1.01% | +1.06% | +0.96% |
| Asian Paints Ltd. | Materials | 0.82% | ₹0.54 Cr | +0.91% | +0.76% | — |
| Dr. Reddy's Laboratories Ltd. | Healthcare | 0.75% | ₹0.49 Cr | — | — | — |
| Sky Gold And Diamonds Ltd. | Consumer Discretionary | 0.74% | ₹0.49 Cr | +0.49% | +0.30% | +0.43% |
| SJS Enterprises Ltd. | Automobile | 0.67% | ₹0.44 Cr | +0.67% | +0.47% | +1.17% |
| Larsen & Toubro Ltd. | Construction | 0.57% | ₹0.38 Cr | — | — | — |
| Reliance Industries Ltd. | Energy | 0.52% | ₹0.34 Cr | +0.58% | +0.61% | +0.31% |
| Reserve Bank of India | Financial | 0.52% | ₹0.34 Cr | +0.52% | +0.52% | +1.47% |
| Mahindra & Mahindra Ltd. | Automobile | 0.49% | ₹0.32 Cr | — | — | — |
| Ultratech Cement Ltd. | Materials | 0.48% | ₹0.32 Cr | +0.50% | — | — |
| LEAP India Ltd. | Services | 0.44% | ₹0.29 Cr | — | — | — |
| Britannia Industries Ltd. | Consumer Staples | 0.37% | ₹0.24 Cr | +0.40% | +0.42% | +0.98% |
| HDFC Bank Ltd. | Financial | 0.21% | ₹0.14 Cr | — | — | — |
| Max Financial Services Ltd. | Financial | 0.16% | ₹0.11 Cr | +0.19% | +0.18% | — |
| Laxmi Dental Ltd. | Healthcare | 0.12% | ₹0.08 Cr | +0.14% | +0.10% | +0.19% |
| Zaggle Prepaid Ocean Services Ltd. | Technology | 0.12% | ₹0.08 Cr | +0.15% | +0.13% | +0.24% |
| Triveni Power Transmission Ltd. | Capital Goods | 0.10% | ₹0.07 Cr | — | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| company:6233 | 7.66% | 0.00% | -7.66% |
| MRF Ltd. | 0.66% | 0.00% | -0.66% |
| Larsen & Toubro Ltd. | 0.00% | 0.57% | +0.57% |
| Glenmark Pharmaceuticals Ltd. | 2.66% | 2.30% | -0.36% |
| Hindustan Copper Ltd. | 1.56% | 1.39% | -0.17% |
| Triveni Engineering & Industries Ltd. | 0.17% | 0.00% | -0.17% |
| GOI | 7.81% | 7.66% | -0.15% |
| ICICI Bank Ltd. | 1.34% | 1.20% | -0.14% |
| State Bank of India | 1.46% | 1.60% | +0.14% |
| Indian Railway Finance Corporation Ltd. | 7.69% | 7.57% | -0.12% |
| Adani Ports and Special Economic Zone Ltd. | 0.94% | 1.05% | +0.11% |
| LEAP India Ltd. | 0.55% | 0.44% | -0.11% |
| Asian Paints Ltd. | 0.92% | 0.82% | -0.10% |
| Tata Capital Housing Finance Ltd. | 4.57% | 4.48% | -0.09% |
| Bharat Electronics Ltd. | 1.02% | 0.94% | -0.08% |
| SJS Enterprises Ltd. | 0.75% | 0.67% | -0.08% |
| Mahindra & Mahindra Ltd. | 0.55% | 0.49% | -0.06% |
| Balrampur Chini Mills Ltd. | 1.06% | 1.01% | -0.05% |
| Reliance Industries Ltd. | 0.57% | 0.52% | -0.05% |
| Small Industries Devp. Bank of India Ltd. | 3.05% | 3.00% | -0.05% |
| Bajaj Finance Ltd. | 3.07% | 3.03% | -0.04% |
| Dr. Reddy's Laboratories Ltd. | 0.71% | 0.75% | +0.04% |
| Muthoot Finance Ltd. | 3.84% | 3.80% | -0.04% |
| Power Finance Corporation Ltd. | 3.06% | 3.02% | -0.04% |
| Bharti Airtel Ltd. | 0.97% | 0.93% | -0.04% |
| Punjab National Bank | 5.92% | 5.89% | -0.03% |
| Britannia Industries Ltd. | 0.40% | 0.37% | -0.03% |
| Ultratech Cement Ltd. | 0.51% | 0.48% | -0.03% |
| Max Financial Services Ltd. | 0.19% | 0.16% | -0.03% |
| NTPC Ltd. | 1.13% | 1.10% | -0.03% |
| Nirma Ltd. | 3.07% | 3.04% | -0.03% |
| Power Grid Corporation Of India Ltd. | 0.93% | 0.91% | -0.02% |
| HDFC Bank Ltd. | 0.22% | 0.21% | -0.01% |
| Reserve Bank of India | 0.53% | 0.52% | -0.01% |
| Zaggle Prepaid Ocean Services Ltd. | 0.13% | 0.12% | -0.01% |
| Triveni Power Transmission Ltd. | 0.11% | 0.10% | -0.01% |
| Laxmi Dental Ltd. | 0.12% | 0.12% | 0.00% |
| Others | 0.34% | 0.34% | 0.00% |
| Sky Gold And Diamonds Ltd. | 0.74% | 0.74% | 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 | ₹1,557 Cr | 1.27% | 4.2% | 6.1% | 7.7% |
 Parag Parikh Conservative Hybrid Fund | ₹3,395 Cr | 0.66% | 2.8% | 5.8% | 8.1% |
 ICICI Prudential Conservative Hybrid Fund | ₹3,223 Cr | 1.73% | 4.0% | 5.9% | 7.5% |
 Nippon India Conservative Hybrid Fund | ₹974 Cr | 1.80% | 6.0% | 7.2% | 7.7% |
 DSP Conservative Hybrid Fund | ₹174 Cr | 1.25% | 4.4% | 5.7% | 7.3% |
 Aditya Birla Sun Life Conservative Hybrid Active FoF | ₹18.28 Cr | 0.89% | 4.0% | 5.8% | 8.1% |
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 months1.56% absolute | ₹60,000 | ₹60,936 | 1.56% | |
| 1 year2.11% annualised | ₹1,20,000 | ₹1,21,380 | 1.15% | |
| 3 years5.88% annualised | ₹3,60,000 | ₹3,94,580 | 9.61% | |
| 5 years8.88% annualised | ₹6,00,000 | ₹7,57,434 | 26.24% |
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.