BANDHAN CONSERVATIVE HYBRID FUND
Bandhan Mutual Fund · Conservative Hybrid · Direct plan, growth option
NAV (₹), 1 Oct 2026
36.7511
1-day change
-0.60%
1Y return
2.1%
3Y CAGR
6.8%
5Y CAGR
5.6%
Max drawdown, 5Y
−5.1%
NAV history month-end NAV, ₹ · 2 Jan 2013 to 1 Oct 2026
Returns vs Conservative Hybrid median (18 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -1.8% | -1.5% |
| 3 months | -0.4% | -0.8% |
| 6 months | 3.2% | 3.4% |
| Year to date | -0.2% | 0.7% |
| 1 year | 2.1% | 2.2% |
| 3 years (CAGR) | 6.8% | 7.8% |
| 5 years (CAGR) | 5.6% | 7.4% |
| 7 years (CAGR) | 6.6% | 8.7% |
| 10 years (CAGR) | 6.7% | 7.5% |
| Since first NAV (CAGR) | 7.9% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.9% | 9.1% |
| 3Y rolling median | 7.7% | 9.3% |
| 3Y rolling worst | 2.9% | 2.8% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 7.6% | 8.6% |
| 5Y rolling worst | 5.3% | 4.8% |
| 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.) | 4.6% | 4.3% |
| Sharpe ratio | 0.08 | 0.31 |
| Sortino ratio | 0.11 | 0.44 |
| 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 | −11.4% | −11.8% |
| Maximum drawdown, last 10Y | −11.4% | −11.9% |
| Maximum drawdown, last 5Y | −5.1% | −4.2% |
| Current drawdown | −2.6% | −2.0% |
| Recovery time of worst fall | 116 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Market context from Integrato Market Intelligence
This scheme hold only part of their money in each of these markets; the mix is set by the scheme and changes over time.
6.78%
1 Jul 2026 · +0.43 pp in a year · 5Y average 6.90%
22,421.95 −0.88%
NSE close, 1 Oct 2026
- P/E 19.2: higher than 0% of days since 2023 (median 22.1)
- 1Y −9.0% · 3Y +5.4% p.a. · 5Y +5.9% p.a. (index fund NAV, after costs)
- −14.8% from its 52-week high
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 1.97% a year and the Direct plan's 0.89%, a gap of 1.08%; over the last 3 years the Direct plan returned 1.02 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹24,96,499.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Viraj Kulkarn | Equity Portion | 28 Jul 2021 |
| amp | 28 Jul 2021 | |
| Harshal Joshi | Debt Portion | 28 Jul 2021 |
Objective: The primary objective of the Scheme is to generate regular returns through investment predominantly in debt instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme’s total assets in equity securities.
Stated asset allocation: Equity & Equity related instruments (including derivatives) - 10% - 25%, Debt & Money Market instruments (including Government securities, Securitised debt, Margin money/FD) and Units issued by InvITs, within which - 75% - 90%, Units issued by InvITs - 0% - 10%
Benchmark (tier 1): CRISIL Hybrid 85+15 Conservative Index
Exit load: Entry Load Nil. Exit load w.e.f 24-Aug-2017:(for each purchase including SIP/STP-in registered) - For 10% of Investment Nil. For remaining Investment: 1.00% if redeemed / Switched Out within 365 days from the date of allotment. Please refer the Scheme
Minimum application: Rs.1000/-
Allotment date: 25 Feb 2010
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), Direct plan | 0.89% | 0.99% |
| AUM, whole scheme (₹ crore) | 85 | 880 |
| Riskometer | Moderately High | – |
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) | 3.0% | 2.8% TRI |
| Return, 3 years (AMFI) | 7.0% | 7.0% TRI |
| Return, 5 years (AMFI) | 5.7% | 6.2% TRI |
| Month-ends above category median (3Y CAGR) | 24% | 45% median |
| Month-ends in category top quartile (3Y) | 4% | 12% median |
| 7Y rolling CAGR, median (monthly windows) | 7.4% | 8.4% 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 Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -0.2% | n/a | – |
| 2025 | 7.7% | n/a | – |
| 2024 | 8.7% | n/a | – |
| 2023 | 10.5% | n/a | – |
| 2022 | 1.1% | n/a | – |
| 2021 | 7.0% | n/a | – |
| 2020 | 9.5% | n/a | – |
| 2019 | 9.0% | n/a | – |
| 2018 | 2.5% | n/a | – |
| 2017 | 10.8% | 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 | ₹1,20,489 | 0.8% |
| 3 years | ₹3,60,000 | ₹3,84,593 | 4.3% |
| 5 years | ₹6,00,000 | ₹6,94,379 | 5.8% |
| 10 years | ₹12,00,000 | ₹16,67,950 | 6.4% |
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
AMC: Bandhan Mutual Fund
Category: Conservative Hybrid
Plan / option: Direct · Growth
AMFI scheme code: 118491
ISIN: INF194K015B9
First NAV in MFIC data: 2 Jan 2013
History: 13.7 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 |
|---|---|---|---|
| UTI Conservative Hybrid Fund | Conservative Hybrid | 0.95 | 7.3% |
| Axis Conservative Hybrid Fund | Conservative Hybrid | 0.95 | 6.3% |
| UTI Balanced Advantage Fund | Balanced Advantage | 0.95 | 7.4% |
| Axis Balanced Advantage Fund | Balanced Advantage | 0.94 | 10.8% |
| UTI - Unit Linked Insurance Plan | Balanced Advantage | 0.93 | 7.2% |
| Sundaram Conservative Hybrid Fund (Formerly Known as Sundaram Debt Oriented Hybrid Fund) | Conservative Hybrid | 0.93 | 5.0% |
Questions about BANDHAN CONSERVATIVE HYBRID FUND
- What is the latest NAV of BANDHAN CONSERVATIVE HYBRID FUND?
- The NAV of the Direct plan (growth option) was ₹36.7511 on 1 Oct 2026, as published by AMFI.
- Which category is BANDHAN CONSERVATIVE HYBRID FUND in?
- It is classified as Conservative Hybrid in AMFI's daily NAV file. MFIC compares it with 18 Conservative Hybrid schemes (Direct plans).
- What returns has BANDHAN CONSERVATIVE HYBRID FUND delivered?
- Over one year the NAV changed by 2.1%. The 3-year CAGR is 6.8% (category median 7.8%) and the 5-year CAGR is 5.6% (category median 7.4%). 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 7.7%, the lowest was 2.9%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in BANDHAN CONSERVATIVE HYBRID FUND's NAV?
- The largest peak-to-trough fall in its available history was 11.4%; within the last five years it was 5.1% (category median 4.2%).
- How volatile is BANDHAN CONSERVATIVE HYBRID FUND?
- Its annualised standard deviation of monthly returns over the last 36 months is 4.6%, which is above the Conservative Hybrid category median of 4.3%.
- What would a monthly SIP in BANDHAN 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 ₹6,94,379 on 1 Oct 2026, an annualised return (XIRR) of 5.8%. This uses the Direct 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 BANDHAN CONSERVATIVE HYBRID FUND?
- The total expense ratio of the Direct plan is 0.89% a year, as disclosed to AMFI (median of Conservative Hybrid Direct plans: 0.99%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is BANDHAN CONSERVATIVE HYBRID FUND?
- Assets under management of the whole scheme were ₹85 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of BANDHAN CONSERVATIVE HYBRID FUND?
- AMFI lists the scheme's riskometer as “Moderately High”, 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 BANDHAN 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 7.0% for this plan against 7.0% for the benchmark total return index; over 5 years 5.7% against 6.2%. Past performance does not indicate future results.
- How often has BANDHAN CONSERVATIVE HYBRID FUND beaten its category?
- At 24% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Conservative Hybrid schemes (Direct plans); it was in the top quarter at 4% of them. A typical scheme would show about 50%.
- Who manages BANDHAN CONSERVATIVE HYBRID FUND?
- According to its Scheme Summary Document, BANDHAN CONSERVATIVE HYBRID FUND is managed by Viraj Kulkarn (since 28 Jul 2021), amp (since 28 Jul 2021), Harshal Joshi (since 28 Jul 2021).
- What is the exit load of BANDHAN CONSERVATIVE HYBRID FUND?
- As stated in its scheme documents: Entry Load Nil. Exit load w.e.f 24-Aug-2017:(for each purchase including SIP/STP-in registered) - For 10% of Investment Nil. For remaining Investment: 1.00% if redeemed / Switched Out within 365 days from the date of allotment. Please refer the Scheme Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in BANDHAN CONSERVATIVE HYBRID FUND?
- The minimum application amount is Rs.1000/-. SIP details: SIP Details: Rs.100 , STP Details: Rs. 500/- and any amount thereafter (for Fixed amount option) / Rs. 500/- and any amount thereafter (for capital appreciation option) , SWP Details: Rs. 200/- and any amount thereafter.
- 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 2.1% and the Regular plan's by 1.1%. 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 Direct 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.