BANK OF INDIA CONSERVATIVE HYBRID FUND
Bank of India Mutual Fund · Conservative Hybrid · Regular plan, growth option
NAV (₹), 1 Oct 2026
34.8086
1-day change
-0.29%
1Y return
1.5%
3Y CAGR
5.4%
5Y CAGR
8.7%
Max drawdown, 5Y
−4.3%
NAV history month-end NAV, ₹ · 20 Mar 2009 to 1 Oct 2026
Returns vs Conservative Hybrid median (19 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -1.3% | -1.5% |
| 3 months | -1.0% | -0.9% |
| 6 months | 2.2% | 3.0% |
| Year to date | 0.6% | 0.3% |
| 1 year | 1.5% | 1.5% |
| 3 years (CAGR) | 5.4% | 6.7% |
| 5 years (CAGR) | 8.7% | 6.6% |
| 7 years (CAGR) | 9.4% | 7.7% |
| 10 years (CAGR) | 6.5% | 6.8% |
| Since first NAV (CAGR) | 7.4% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.8% | 8.0% |
| 3Y rolling median | 8.5% | 8.6% |
| 3Y rolling worst | -2.0% | 1.9% |
| 3Y periods positive | 96% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 8.3% | 8.6% |
| 5Y rolling worst | 2.0% | 4.0% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 4.2% | 4.2% |
| Sharpe ratio | -0.23 | 0.09 |
| Sortino ratio | -0.32 | 0.12 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −16.2% | −13.2% |
| Maximum drawdown, last 10Y | −16.2% | −12.0% |
| Maximum drawdown, last 5Y | −4.3% | −4.4% |
| Current drawdown | −1.6% | −2.1% |
| Recovery time of worst fall | 291 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 1 Oct 2026: TER reduced from 2.27% to 2.25% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Alok Singh | Primary Fund Manager having around 20 years of experience, including 16 years in mutual fund industry. | 21 May 2012 |
Objective: The Scheme seeks to generate income through investments in fixed income securities and also to generate long term capital appreciation by investing a portion in equity and equity related instruments. However, there is no assurance that the investment objective of the scheme will be achieved.
Stated asset allocation: Money market securities and debt securities including government securities, corporate debt, securitized debt, and other debt instruments - 75% to 90% Equity and equity related securities - 10% to 25% Residual Portion: Units issued by INVITs - 00% to 10% ETCDs, Gold ETFs and Silver ETFs. and mutual fund units - 00% to 15%
Benchmark (tier 1): CRISIL Hybrid 85 + 15 - Conservative Index
Exit load: • If redeemed/ switched-out within 3 months from the date of allotment: - For 10% of investments: Nil - For remaining investments:1% • If redeemed/ switched-out after 3 months from the date of allotment: Nil
Minimum application: ₹5,000
Allotment date: 18 Mar 2009
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 2.25% | 1.86% |
| AUM, whole scheme (₹ crore) | 66 | 811 |
| Riskometer | Moderate | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 2.1% | 2.8% TRI |
| Return, 3 years (AMFI) | 5.4% | 7.0% TRI |
| Return, 5 years (AMFI) | 8.8% | 6.2% TRI |
| Month-ends above category median (3Y CAGR) | 38% | 38% median |
| Month-ends in category top quartile (3Y) | 35% | 15% median |
| 7Y rolling CAGR, median (monthly windows) | 7.4% | 8.0% median |
Official benchmark: CRISIL Hybrid 85+15 - Conservative Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Conservative Hybrid Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 0.6% | n/a | – |
| 2025 | 4.2% | n/a | – |
| 2024 | 7.0% | n/a | – |
| 2023 | 10.9% | n/a | – |
| 2022 | 21.5% | n/a | – |
| 2021 | 8.5% | n/a | – |
| 2020 | 11.4% | n/a | – |
| 2019 | -7.3% | n/a | – |
| 2018 | -2.5% | n/a | – |
| 2017 | 14.3% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,20,278 | 0.4% |
| 3 years | ₹3,60,000 | ₹3,76,887 | 3.0% |
| 5 years | ₹6,00,000 | ₹6,92,037 | 5.6% |
| 10 years | ₹12,00,000 | ₹17,31,621 | 7.1% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
Category: Conservative Hybrid
Plan / option: Regular · Growth
AMFI scheme code: 111712
ISIN: INF761K01462
First NAV in MFIC data: 20 Mar 2009
History: 17.5 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| BANK OF INDIA CONSERVATIVE HYBRID FUND | Conservative Hybrid | 1.00 | 5.8% |
| Mirae Asset Balanced Advantage Fund | Balanced Advantage | 0.92 | 8.1% |
| Canara Robeco Balanced Advantage Fund | Balanced Advantage | 0.91 | n/a |
| Franklin India Balanced Advantage Fund | Balanced Advantage | 0.90 | 7.1% |
| Helios Balanced Advantage Fund | Balanced Advantage | 0.89 | n/a |
| HSBC Balanced Advantage Fund | Balanced Advantage | 0.89 | 7.5% |
Questions about BANK OF INDIA CONSERVATIVE HYBRID FUND
- What is the latest NAV of BANK OF INDIA CONSERVATIVE HYBRID FUND?
- The NAV of the Regular plan (growth option) was ₹34.8086 on 1 Oct 2026, as published by AMFI.
- Which category is BANK OF INDIA CONSERVATIVE HYBRID FUND in?
- It is classified as Conservative Hybrid in AMFI's daily NAV file. MFIC compares it with 19 Conservative Hybrid schemes (Regular plans).
- What returns has BANK OF INDIA CONSERVATIVE HYBRID FUND delivered?
- Over one year the NAV changed by 1.5%. The 3-year CAGR is 5.4% (category median 6.7%) and the 5-year CAGR is 8.7% (category median 6.6%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 8.5%, the lowest was -2.0%, and 96% of 3-year periods ended with a gain.
- What was the largest fall in BANK OF INDIA CONSERVATIVE HYBRID FUND's NAV?
- The largest peak-to-trough fall in its available history was 16.2%; within the last five years it was 4.3% (category median 4.4%).
- How volatile is BANK OF INDIA CONSERVATIVE HYBRID FUND?
- Its annualised standard deviation of monthly returns over the last 36 months is 4.2%, which is below the Conservative Hybrid category median of 4.2%.
- What would a monthly SIP in BANK OF INDIA CONSERVATIVE HYBRID FUND have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹6,92,037 on 1 Oct 2026, an annualised return (XIRR) of 5.6%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of BANK OF INDIA CONSERVATIVE HYBRID FUND?
- The total expense ratio of the Regular plan is 2.25% a year, as disclosed to AMFI (median of Conservative Hybrid Regular plans: 1.86%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is BANK OF INDIA CONSERVATIVE HYBRID FUND?
- Assets under management of the whole scheme were ₹66 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of BANK OF INDIA CONSERVATIVE HYBRID FUND?
- AMFI lists the scheme's riskometer as “Moderate”, and its benchmark's as “Moderately High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of BANK OF INDIA CONSERVATIVE HYBRID FUND and how has it compared?
- Its official benchmark is the CRISIL Hybrid 85+15 - Conservative Index. Over 3 years AMFI reports a return of 5.4% for this plan against 7.0% for the benchmark total return index; over 5 years 8.8% against 6.2%. Past performance does not indicate future results.
- How often has BANK OF INDIA CONSERVATIVE HYBRID FUND beaten its category?
- At 38% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Conservative Hybrid schemes (Regular plans); it was in the top quarter at 35% of them. A typical scheme would show about 50%.
- Who manages BANK OF INDIA CONSERVATIVE HYBRID FUND?
- According to its Scheme Summary Document, BANK OF INDIA CONSERVATIVE HYBRID FUND is managed by Alok Singh (since 21 May 2012).
- What is the exit load of BANK OF INDIA CONSERVATIVE HYBRID FUND?
- As stated in its scheme documents: • If redeemed/ switched-out within 3 months from the date of allotment: - For 10% of investments: Nil - For remaining investments:1% • If redeemed/ switched-out after 3 months from the date of allotment: Nil Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in BANK OF INDIA CONSERVATIVE HYBRID FUND?
- The minimum application amount is ₹5,000. SIP details: SIP - 1000, SWP - 1000 & STP - 1000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 2.4% and the Regular plan's by 1.5%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.