Bank of India Conservative Hybrid Fund · Regular · Growth
NAV
₹34.9629
as of 29 Sept 2026
Expense Ratio
2.27%
AUM
₹65 Cr
Lumpsum returns (CAGR)
- 1Y
- +2.25%
- 3Y
- +5.51%
- 5Y
- +8.81%
- Since Inception
- +7.40%
SIP returns (XIRR)
- 1Y
- +1.46%
- 3Y
- +3.43%
- 5Y
- +5.95%
- Since Inception
- +7.32%
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,67,867 today — ₹6,00,000 invested, 7.2% XIRR.
₹6,00,000
Invested
₹8,67,867
Value today
7.2%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,89,258 today (6.6% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹10,24,710.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹1,95,280 today (1.95×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.68
Sharpe Ratio
—
Alpha
—
Beta
-0.65
Sortino
3.45%
Std Dev
-2.20%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Pharmaceuticals & Biotechnology3.37%
- Banks3.02%
- Power2.06%
- Consumer Durables1.66%
- Non - Ferrous Metals1.56%
- Auto Components1.41%
- Agricultural Food & other Products1.23%
- Aerospace & Defense1.02%
- Telecom - Services0.97%
- Transport Infrastructure0.94%
- Petroleum Products0.57%
- Commercial Services & Supplies0.55%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 17.1% Government Of India (18/04/2029)7.81%
- 27.57% Indian Railway Finance Corporation Limited (18/04/2029) **7.69%
- 37.68% National Bank For Agriculture And Rural Development (30/04/2029) **7.66%
- 4Punjab National Bank (12/03/2027) #5.92%
- 57.73% Tata Capital Housing Finance Limited (14/01/2030) **4.57%
- 66.27% Power Finance Corporation Limited (15/07/2027)4.55%
- 78.9% Muthoot Finance Limited (07/10/2027) **3.84%
- 88.5% Nirma Limited (07/04/2027) **3.07%
- 98.1167% Bajaj Finance Limited (10/05/2027) **3.07%
- 107.6% Power Finance Corporation Limited (13/04/2029) **3.06%
What this fund does
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 some capital appreciation, and a small 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 ₹64.8 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%.