Bandhan Conservative Hybrid Passive FOF
Bandhan Mutual Fund · Domestic FoF · Regular plan, growth option
NAV (₹), 1 Oct 2026
34.2652
1-day change
-0.30%
1Y return
1.6%
3Y CAGR
6.7%
5Y CAGR
5.9%
Max drawdown, 5Y
−5.6%
NAV history month-end NAV, ₹ · 15 Feb 2010 to 1 Oct 2026
Returns vs Domestic FoF median (159 schemes) and “Multi-asset / allocation FoF” median (31)
| Period | Scheme | Category median | Multi-asset / allocation FoF median |
|---|---|---|---|
| 1 month | -1.9% | -3.7% | -3.9% |
| 3 months | -1.1% | -1.1% | -1.7% |
| 6 months | 2.1% | 3.0% | 4.4% |
| Year to date | -0.5% | 1.8% | -1.5% |
| 1 year | 1.6% | 4.9% | 2.3% |
| 3 years (CAGR) | 6.7% | 12.3% | 11.2% |
| 5 years (CAGR) | 5.9% | 9.8% | 9.6% |
| 7 years (CAGR) | 6.7% | 13.3% | 11.4% |
| 10 years (CAGR) | 6.7% | 11.0% | 10.9% |
| Since first NAV (CAGR) | 7.7% | – | – |
“Multi-asset / allocation FoF” is MFIC's grouping of Domestic FoF schemes by the theme or index in their names, not an AMFI category.
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.8% | 8.6% |
| 3Y rolling median | 7.8% | 12.8% |
| 3Y rolling worst | 3.2% | 4.8% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 7.8% | 10.8% |
| 5Y rolling worst | 5.1% | 4.1% |
| 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.) | 4.1% | 14.1% |
| Sharpe ratio | 0.07 | 0.60 |
| Sortino ratio | 0.09 | 0.89 |
| 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 | −9.8% | −19.6% |
| Maximum drawdown, last 10Y | −9.8% | −23.7% |
| Maximum drawdown, last 5Y | −5.6% | −15.1% |
| Current drawdown | −2.4% | −8.3% |
| Recovery time of worst fall | 120 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 0.29% a year and the Direct plan's 0.05%, a gap of 0.24%; over the last 3 years the Direct plan returned 0.49 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 ₹6,52,315.
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 |
|---|---|---|
| Karthik Kumar | Primary | 29 May 2026 |
Objective: The investment objective of the scheme is to provide diversification across asset classes and generate a mix of capital appreciation and income predominantly through investment in equity passive funds and debt passive funds of Bandhan Mutual Fund based on a defined asset allocation model. Disclaimer: However, there can be no assurance that the investment objective of the scheme will be realized.
Stated asset allocation: Investment in the underlying mutual fund/s, where in: 95%-100% - Passive Equity-Oriented Schemes10% - 25% - Passive Debt-Oriented Schemes Debt and Money Market Securities 0% - 5%
Benchmark (tier 1): CRISIL Hybrid 85+15 Conservative Index
Exit load: Entry Load: Nil. Exit Load (w.e.f 08-May-2020) If redeemed / Switched Out within 365 days from the date of allotment - Up to 10% of Investment Nil & For remaining Investment: 1.00%. If redeemed / switched out after 365 days from the date of allotment: Nil
Minimum application: Rs.1000
Allotment date: 11 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), Regular plan | 0.29% | 0.59% |
| AUM, whole scheme (₹ crore) | 5 | 225 |
| 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) | 2.1% | 2.8% TRI |
| Return, 3 years (AMFI) | 6.8% | 7.0% TRI |
| Return, 5 years (AMFI) | 5.9% | 6.2% TRI |
| Month-ends above category median (3Y CAGR) | 25% | 53% median |
| Month-ends in category top quartile (3Y) | 1% | 25% median |
| 7Y rolling CAGR, median (monthly windows) | 7.7% | 9.0% median |
Official benchmark: CRISIL Hybrid 85+15 - Conservative Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Domestic FoF Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -0.5% | n/a | – |
| 2025 | 7.2% | n/a | – |
| 2024 | 9.4% | n/a | – |
| 2023 | 11.1% | n/a | – |
| 2022 | 1.5% | n/a | – |
| 2021 | 8.3% | n/a | – |
| 2020 | 7.9% | n/a | – |
| 2019 | 8.1% | n/a | – |
| 2018 | 3.0% | n/a | – |
| 2017 | 10.7% | 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 | ₹1,19,742 | -0.4% |
| 3 years | ₹3,60,000 | ₹3,83,228 | 4.1% |
| 5 years | ₹6,00,000 | ₹6,95,002 | 5.8% |
| 10 years | ₹12,00,000 | ₹16,71,465 | 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: Domestic FoF
Plan / option: Regular · Growth
AMFI scheme code: 112327
ISIN: INF194K01987
First NAV in MFIC data: 15 Feb 2010
History: 16.6 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 |
|---|---|---|---|
| Quantum Diversified Equity All Cap Active FOF | Domestic FoF | 0.96 | 9.6% |
| HSBC NIFTY 50 Index Fund | Index Fund | 0.95 | 5.3% |
| NAVI BSE SENSEX INDEX FUND | Index Fund | 0.95 | 3.2% |
| Axis BSE Sensex Index Fund | Index Fund | 0.95 | n/a |
| Baroda BNP Paribas Nifty 50 Index Fund | Index Fund | 0.95 | n/a |
| SBI BSE Sensex Index Fund | Index Fund | 0.95 | 3.6% |
Questions about Bandhan Conservative Hybrid Passive FOF
- What is the latest NAV of Bandhan Conservative Hybrid Passive FOF?
- The NAV of the Regular plan (growth option) was ₹34.2652 on 1 Oct 2026, as published by AMFI.
- Which category is Bandhan Conservative Hybrid Passive FOF in?
- It is classified as Domestic FoF in AMFI's daily NAV file. MFIC compares it with 159 Domestic FoF schemes (Regular plans).
- What returns has Bandhan Conservative Hybrid Passive FOF delivered?
- Over one year the NAV changed by 1.6%. The 3-year CAGR is 6.7% (category median 12.3%) and the 5-year CAGR is 5.9% (category median 9.8%). 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 7.8%, the lowest was 3.2%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in Bandhan Conservative Hybrid Passive FOF's NAV?
- The largest peak-to-trough fall in its available history was 9.8%; within the last five years it was 5.6% (category median 15.1%).
- How volatile is Bandhan Conservative Hybrid Passive FOF?
- Its annualised standard deviation of monthly returns over the last 36 months is 4.1%, which is below the Domestic FoF category median of 14.1%.
- What would a monthly SIP in Bandhan Conservative Hybrid Passive FOF 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 ₹6,95,002 on 1 Oct 2026, an annualised return (XIRR) of 5.8%. 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 Bandhan Conservative Hybrid Passive FOF?
- The total expense ratio of the Regular plan is 0.29% a year, as disclosed to AMFI (median of Domestic FoF Regular plans: 0.59%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Bandhan Conservative Hybrid Passive FOF?
- Assets under management of the whole scheme were ₹5 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Bandhan Conservative Hybrid Passive FOF?
- 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 Passive FOF and how has it compared?
- Its official benchmark is the CRISIL Hybrid 85+15 - Conservative Index. Over 3 years AMFI reports a return of 6.8% for this plan against 7.0% for the benchmark total return index; over 5 years 5.9% against 6.2%. Past performance does not indicate future results.
- How often has Bandhan Conservative Hybrid Passive FOF beaten its category?
- At 25% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Domestic FoF schemes (Regular plans); it was in the top quarter at 1% of them. A typical scheme would show about 50%.
- Who manages Bandhan Conservative Hybrid Passive FOF?
- According to its Scheme Summary Document, Bandhan Conservative Hybrid Passive FOF is managed by Karthik Kumar (since 29 May 2026).
- What is the exit load of Bandhan Conservative Hybrid Passive FOF?
- As stated in its scheme documents: Entry Load: Nil. Exit Load (w.e.f 08-May-2020) If redeemed / Switched Out within 365 days from the date of allotment - Up to 10% of Investment Nil & For remaining Investment: 1.00%. If redeemed / switched out after 365 days from the date of allotment: Nil Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in Bandhan Conservative Hybrid Passive FOF?
- The minimum application amount is Rs.1000. SIP details: SIP - Rs.100 SWP - Rs.200 STP - Rs.500/- and any amount thereafter (for Fixed amount / Fixed Percentage option).
- 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 1.9% and the Regular plan's by 1.6%. 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.