Bank of India Conservative Hybrid Fund · Regular · Growth
NAV
₹35.0076
as of 16 Jun 2026
Expense Ratio
2.27%
AUM
₹55 Cr
Lumpsum returns (CAGR)
- 1Y
- +2.40%
- 3Y
- +6.61%
- 5Y
- +9.76%
- Since Inception
- +7.53%
SIP returns (XIRR)
- 1Y
- +3.10%
- 3Y
- +4.66%
- 5Y
- +7.06%
- Since Inception
- +7.55%
SIP since inception — what ₹500/month became
Real NAV backtest from day one
₹1,03,500
Invested
₹2,05,448
Value today
7.5%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹3,474
Value today
7.5%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹10,35,000
Withdrawn
₹14,19,783
Corpus left
+₹14,54,783 net gain — withdrew ₹10,35,000 AND corpus grew
Plan your SWP with real NAV₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹19,55,783
Value today
-6.2%
vs lumpsum
Direct lumpsum would have beaten STP by 6.2% — but STP reduced timing risk
Model your own STP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,94,245
Value today
1.9×
Multiple
Staying invested through that crash turned ₹1L into ₹1,94,245 — a 1.9× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.88
Sharpe Ratio
—
Alpha
—
Beta
-0.85
Sortino
3.83%
Std Dev
-4.24%
Max Drawdown
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 · Regular · 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 · Regular · Growth is a Conservative Hybrid mutual fund offered by Bank of India Mutual Fund. The fund has been operational for over 17 years. It manages assets worth ₹55.5 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY Medium to Long Duration Debt Index. The current expense ratio is 2.27%.
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