Bank of India Conservative Hybrid Fund · Direct · Growth
NAV
₹38.0144
as of 31 Jul 2026
Expense Ratio
—
see scheme documents
Lumpsum returns (CAGR)
- 1Y
- +3.80%
- 3Y
- +7.03%
- 5Y
- +10.19%
- Since Inception
- +8.21%
SIP returns (XIRR)
- 1Y
- +4.35%
- 3Y
- +5.47%
- 5Y
- +7.69%
- Since Inception
- +8.19%
Returns calculated from 01 January 2013 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹9,07,380 today — ₹5,95,000 invested, 8.3% XIRR.
₹5,95,000
Invested
₹9,07,380
Value today
8.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹2,06,878 today (7.5% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹11,61,398.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹2,05,213 today (2.05×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Performance Comparison
Sectoral allocation
as of 31 Mar 2026- Pharmaceuticals & Biotechnology2.00%
- Diversified FMCG2.00%
- Power2.00%
- Banks2.00%
- Consumer Durables1.00%
- Non - Ferrous Metals1.00%
- Auto Components1.00%
- Petroleum Products1.00%
- Telecom - Services1.00%
- Ferrous Metals1.00%
- Automobiles1.00%
- Diversified Metals1.00%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 17.1% Government Of India (18/04/2029)7.90%
- 27.68% National Bank For Agriculture And Rural Development (30/04/2029)7.79%
- 37.57% Indian Railway Finance Corporation Limited (18/04/2029) **7.78%
- 46.33% Government Of India (05/05/2035)5.33%
- 56.48% Government Of India (06/10/2035)4.89%
- 67.73% Tata Capital Housing Finance Limited (14/01/2030) **4.65%
- 78.9% Muthoot Finance Limited (07/10/2027) **3.92%
- 88.1167% Bajaj Finance Limited (10/05/2027) **3.12%
- 97.6% Power Finance Corporation Limited (13/04/2029) **3.11%
- 109.10% Manappuram Finance Limited (19/08/2026) **3.11%
Investment Objective
Bank of India Conservative Hybrid Fund · Direct · Growth invests 75-90% in debt instruments and 10-25% in equity, aiming to provide regular income with moderate capital appreciation. It is suitable for conservative investors seeking stable returns with limited equity exposure.
About This Fund
Bank of India Conservative Hybrid Fund · Direct · Growth is a Conservative Hybrid mutual fund offered by Bank of India Mutual Fund. The fund has been operational for over 13 years. It benchmarks its performance against NIFTY Medium to Long Duration Debt Index.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations