Bank of India Conservative Hybrid Fund is a Conservative Hybrid fund run by Bank of India Mutual Fund. On 30-09-2026, it managed ₹66 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 6.4% a year and its Regular plan returned 5.5% a year and its Fund plan returned 5.9% a year.
NAV (Direct plan)
₹37.63
▼ 0.16% · 30-10-2026
NAV (Regular plan)
₹34.75
▼ 0.17% · 30-10-2026
NAV
₹36.14
▼ 0.17% · 30-10-2026
Expense ratio
1.18%Direct2.25%Regular1.18%Fund
1.18%
A year
Riskometer
Moderately High
Set by the fund house
3 year return
6.4%Direct5.5%Regular5.9%Fund
6.4%
A year
Bank of India Conservative Hybrid Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹37.63 (down 0.16% that day); Regular Plan Growth ₹34.75 (down 0.17% that day); ₹36.14 (down 0.17% that day).
This fund (Direct plan)
₹37.6326
Bank of India Conservative Hybrid Fund Returns vs Conservative Hybrid Funds
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
−0.39%
−0.83%
+0.10%
+1.21%
+6.42%
+9.43%
+7.14%
This fund (Regular)
−0.47%
−1.08%
−0.41%
+0.26%
+5.46%
+8.63%
+6.43%
This fund
−0.44%
−0.98%
−0.20%
+0.62%
+5.86%
+8.94%
+6.73%
Conservative Hybrid average
−0.46%
−1.48%
+0.87%
+1.02%
+7.61%
+7.13%
+7.52%
Best in Conservative Hybrid
+0.16%
−0.05%
+2.51%
+4.80%
+8.72%
+9.43%
+9.22%
Worst in Conservative Hybrid
−1.26%
−2.24%
+0.10%
−1.40%
+5.41%
+5.09%
+5.91%
Rank in Conservative Hybrid
8/18
2/18
18/18
8/18
16/18
1/17
10/16
Category rows compare the Direct plans of 18 Conservative Hybrid funds. Rank 1 is the highest return. This fund's benchmark is CRISIL Hybrid 85+15 - Conservative Index. Returns of that index are not available to us, so the category average is the comparison.
Bank of India Conservative Hybrid Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
This fund
2026to date
+1.20%
+0.39%
+0.70%
2025
+5.18%
+4.23%
+4.61%
2024
+8.00%
+7.00%
+7.44%
2023
+11.32%
+10.90%
+11.21%
2022
+22.17%
+21.48%
+21.56%
2021
+9.00%
+8.45%
+8.61%
Bank of India Conservative Hybrid Fund Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 2,610 periods, one for each trading day from 14-01-2016 to 30-10-2026.
−5%0%5%10%15%20%
Bank of India Conservative Hybrid Fund (Direct)
Category average, 18 Conservative Hybrid funds
Nov 2013 to Nov 2016Sept 2015 to Sept 2018Jul 2017 to Jul 2020May 2019 to May 2022Mar 2021 to Mar 2024Dec 2022 to Dec 2025
Bank of India Conservative Hybrid Fund (Direct)Category average, 18 Conservative Hybrid funds
3%
0%
Below 0%
22%
6%
0-5%
32%
63%
5-10%
38%
30%
10-15%
5%
0%
15-20%
0%
0%
20-25%
0%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
3,086
9.8%
−14.0%
29.1%
13%
8.8%
37%
2 years
2,851
10.0%
−7.0%
22.9%
11%
9.9%
31%
3 years
2,610
9.3%
−1.4%
16.5%
3%
9.3%
36%
5 years
2,126
8.2%
2.6%
13.6%
0%
8.5%
37%
7 years
1,645
7.8%
5.3%
10.7%
0%
8.5%
10%
10 years
915
8.4%
7.1%
9.4%
0%
9.0%
0%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
154
9.4%
−19.7%
43.4%
12%
8.7%
36%
2 years
142
10.1%
−11.0%
27.6%
9%
9.1%
30%
3 years
130
9.0%
−5.5%
20.4%
10%
9.4%
32%
5 years
106
9.3%
−0.5%
14.0%
1%
8.6%
55%
7 years
82
9.3%
2.4%
11.2%
0%
8.5%
67%
10 years
46
8.8%
7.9%
9.7%
0%
8.9%
59%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat category" counts the periods in which the fund did better than the average of the 18 Conservative Hybrid funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.
Bank of India Conservative Hybrid Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
Bank of India Conservative Hybrid Fund (Direct)This fund
Category average
Return (CAGR)
+1.21%
+1.02%
Standard deviation
3.33%
3.40%
Sharpe ratio
-1.21
-1.24
Sortino ratio
-1.59
-1.65
Maximum drawdown
−2.1%
(30-03-2026)
−3.1%
(30-03-2026)
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bank of India Conservative Hybrid Fund (Direct)This fund
Category average
Return (CAGR)
+6.42%
+7.62%
Standard deviation
3.85%
3.24%
Sharpe ratio
0.10
0.49
Sortino ratio
0.13
0.68
Maximum drawdown
−4.1%
(28-02-2025)
−3.1%
(30-03-2026)
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bank of India Conservative Hybrid Fund (Direct)This fund
Category average
Return (CAGR)
+9.43%
+7.17%
Standard deviation
9.14%
3.26%
Sharpe ratio
0.40
0.42
Sortino ratio
1.26
0.57
Maximum drawdown
−4.1%
(07-03-2022)
−3.9%
(17-06-2022)
From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bank of India Conservative Hybrid Fund (Direct)This fund
Category average
Return (CAGR)
+7.14%
+7.59%
Standard deviation
7.56%
3.83%
Sharpe ratio
0.23
0.57
Sortino ratio
0.45
0.77
Maximum drawdown
−15.4%
(23-03-2020)
−11.2%
(23-03-2020)
From daily NAVs, 28-10-2016 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bank of India Conservative Hybrid Fund (Direct)This fund
Category average
Return (CAGR)
+8.02%
+8.68%
Standard deviation
6.65%
3.97%
Sharpe ratio
0.30
0.66
Sortino ratio
0.57
0.90
Maximum drawdown
−15.4%
(23-03-2020)
−11.2%
(23-03-2020)
From daily NAVs, 14-01-2013 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
−20%−15%−10%−5%0%
Bank of India Conservative Hybrid Fund (Direct)
Category average, 18 Conservative Hybrid funds
2014201620182020202220242026
Bank of India Conservative Hybrid Fund (Direct)Category average, 18 Conservative Hybrid funds
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
Bank of India Conservative Hybrid Fund (Direct)
−15.4%
28-08-2018
23-03-2020
09-12-2020
9 months
−1.6%
Category average
−11.2%
13-02-2020
23-03-2020
21-07-2020
4 months
−2.1%
From the Direct plan's daily NAV since 14-01-2013, adjusted for unit splits, and the average of the 18 Conservative Hybrid funds (Direct plans, each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
Bank of India Conservative Hybrid Fund vs Other Conservative Hybrid Funds
The five Conservative Hybrid funds with the best three year return, and this fund. Direct plans.
AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.
Bank of India Conservative Hybrid Fund Expense Ratio and Costs
What each plan charges a year, in force from 01-10-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Conservative Hybrid median
Cost rank (1 = cheapest)
Direct
0.94%
0.02%
0.01%
0.21%
1.18%
0.99%
14/18
Regular
1.85%
0.02%
0.01%
0.37%
2.25%
1.83%
18/18
Fund
0.94%
0.02%
0.01%
0.21%
1.18%
0.99%
14/18
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Conservative Hybrid funds' plans of the same type are sorted from the lowest total expense ratio to the highest.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
0.26%
1.21%
0.95%
₹1,00,260
₹1,01,210
3 years
5.46%
6.42%
0.96% a year
₹1,17,291
₹1,20,523
5 years
8.63%
9.43%
0.80% a year
₹1,51,269
₹1,56,921
10 years
6.43%
7.14%
0.71% a year
₹1,86,484
₹1,99,304
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
Bank of India Conservative Hybrid Fund SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 14-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planBank of India Conservative Hybrid Fund (Direct)
Direct planBank of India Conservative Hybrid Fund (Direct)This fundBank of India Conservative Hybrid FundCategory averageCategory average, 18 Conservative Hybrid fundsAmount invested
From each plan's published NAV (Growth option) and the category average, over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Bank of India Conservative Hybrid Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
56.6%Debt
Asset
Fund
Category
Debt
56.6%
68.7%
Cash and others
24.5%
12.3%
Equity
19.0%
19.1%
Market cap of stocks
Market cap
Fund
Category
Large Cap
11.2%
12.8%
Mid Cap
4.6%
3.3%
Small Cap
2.7%
2.7%
Not on AMFI's list
0.5%
0.2%
Share of the whole fund. Category: the average of the Conservative Hybrid funds that hold stocks. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Credit rating
Bonds and money market papers by credit rating, % of the fund. Category: the average of 18 Conservative Hybrid funds.
Rating
Fund
Category
Sovereign
18.2%
27.2%
AAA and A1+
31.5%
27.4%
AA
6.8%
12.7%
Bank of India Conservative Hybrid Fund Sector Allocation
Sector allocation of the fund's stocks as on 30-09-2026
Largest sectors
Pharmaceuticals & Biotechnology3.0%
Banks3.0%
Power2.0%
Consumer Durables1.6%
Non - Ferrous Metals1.4%
Transport Infrastructure1.1%
Agricultural Food & other Products1.0%
Aerospace & Defense0.9%
Telecom - Services0.9%
Auto Components0.7%
The ten largest of 20 sectors. The other 10 add up to 3.4%.
Sector changes
Sector
July 2026
August 2026
September 2026
Change
Pharmaceuticals & Biotechnology
3.2%
3.4%
3.0%
−0.1%
Banks
3.0%
3.0%
3.0%
0.0%
Power
2.2%
2.1%
2.0%
−0.2%
Consumer Durables
1.6%
1.7%
1.6%
0.0%
Non - Ferrous Metals
--
1.6%
1.4%
--
Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.
Bank of India Conservative Hybrid Fund Portfolio Holdings
As on 30-09-2026 · 39 holdings · from the fund house's monthly portfolio
Holdings
Sector / Rating
Weight%
Holdings trend
1M change
7.1% Government of India (18/04/2029) · Government security
SOVEREIGN
7.66%
7.57% Indian Railway Finance Corporation Limited (18/04/2029) · Bond
CRISIL AAA
7.57%
6.94% Government of India (11/05/2036) · Government security
SOVEREIGN
7.47%
Punjab National Bank (12/03/2027) · Certificate of deposit
CRISIL A1+
5.89%
6.27% Power Finance Corporation Limited (15/07/2027) · Bond
CRISIL AAA
4.51%
7.73% Tata Capital Housing Finance Limited (14/01/2030) · Bond
CRISIL AAA
4.48%
8.9% Muthoot Finance Limited (07/10/2027) · Bond
CRISIL AA+
3.80%
8.5% Nirma Limited (07/04/2027) · Bond
CRISIL AA
3.04%
8.1167% Bajaj Finance Limited (10/05/2027) · Bond
CRISIL AAA
3.03%
7.6% Power Finance Corporation Limited (13/04/2029) · Bond
CRISIL AAA
3.02%
7.47% Small Industries Dev Bank of India (05/09/2029) · Bond
CRISIL AAA
3.00%
6.48% Government of India (06/10/2035) · Government security
SOVEREIGN
2.56%
Glenmark Pharmaceuticals Limited
Pharmaceuticals & Biotechnology
2.30%
−7.1%
State Bank of India
Banks
1.60%
+22.2%
Hindustan Copper Limited
Non - Ferrous Metals
1.39%
0.0%
ICICI Bank Limited
Banks
1.20%
0.0%
NTPC Limited
Power
1.10%
0.0%
Adani Ports and Special Economic Zone Limited
Transport Infrastructure
1.05%
0.0%
Balrampur Chini Mills Limited
Agricultural Food & other Products
1.01%
0.0%
Bharat Electronics Limited
Aerospace & Defense
0.94%
0.0%
Bharti Airtel Limited
Telecom - Services
0.93%
0.0%
Power Grid Corporation of India Limited
Power
0.91%
0.0%
Asian Paints Limited
Consumer Durables
0.82%
0.0%
Dr. Reddy's Laboratories Limited
Pharmaceuticals & Biotechnology
0.75%
0.0%
Sky Gold And Diamonds Limited
Consumer Durables
0.74%
0.0%
S.J.S. Enterprises Limited
Auto Components
0.67%
0.0%
Larsen & Toubro Limited
Construction
0.57%
New
364 Days Tbill (MD 07/01/2027) · Treasury bill
SOVEREIGN
0.52%
Reliance Industries Limited
Petroleum Products
0.52%
0.0%
Mahindra & Mahindra Limited
Automobiles
0.49%
0.0%
UltraTech Cement Limited
Cement & Cement Products
0.48%
0.0%
Leap India Limited
Commercial Services & Supplies
0.44%
0.0%
Britannia Industries Limited
Food Products
0.37%
0.0%
Corporate Debt Market Development Fund
0.34%
HDFC Bank Limited
Banks
0.21%
0.0%
Max Financial Services Limited
Insurance
0.16%
0.0%
Zaggle Prepaid Ocean Services Limited
IT - Services
0.12%
0.0%
Laxmi Dental Limited
Healthcare Equipment & Supplies
0.12%
0.0%
Triveni Power Transmission Limited
Industrial Manufacturing
0.10%
0.0%
Bank of India Conservative Hybrid Fund Stocks Bought and Sold
All changes are between August 2026 and September 2026
More
Stocks bought and sold in September 2026
Glenmark Pharmaceuticals Limited
↓Reduced
−7.1%
2.30%
State Bank of India
↑Added
+22.2%
1.60%
MRF Limited
↓Sold out
−100%
was 0.66%
Larsen & Toubro Limited
↑New
New
0.57%
Triveni Engineering & Industries Limited
↓Sold out
−100%
was 0.17%
No stocks in this group for September 2026.
A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
Bank of India Conservative Hybrid Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
1.18%
Expense ratio (Regular)
2.25%
Expense ratio
1.18%
Category
Conservative Hybrid
Risk
Moderately High
Benchmark
CRISIL Hybrid 85+15 - Conservative Index
Launch date
18-03-2009
Minimum investment
₹5,000
Minimum additional investment
₹1,000
AUM
₹65.93 Cr (30-09-2026)
Lock in
None
Scheme code (Direct)
119393
ISIN (Direct)
INF761K01819
Scheme code (Regular)
111712
ISIN (Regular)
INF761K01462
Scheme code
111715
ISIN
INF761K01397
NAV history
From 14-01-2013, 13.8 years
Exit load
Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months.
Tax on Bank of India Conservative Hybrid Fund returns
Bank of India Conservative Hybrid Fund is taxed as a debt fund: 65% or more of it is in bonds and money market papers.
For units bought on or after 01-04-2023, the gain is added to your income and taxed at your slab rate, however long you hold the units.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
Growth
₹36.136
30-10-2026
Monthly IDCW
₹27.2637
30-10-2026
direct
Growth
₹37.6326
30-10-2026
direct
Quarterly IDCW
₹18.4885
30-10-2026
direct
Annual IDCW
₹17.1469
30-10-2026
direct
Monthly IDCW
₹16.6921
30-10-2026
regular
Growth
₹34.746
30-10-2026
regular
Annual IDCW
₹16.8671
30-10-2026
regular
Monthly IDCW
₹17.8185
30-10-2026
regular
Quarterly IDCW
₹18.541
30-10-2026
About Bank of India Conservative Hybrid Fund
Bank of India Conservative Hybrid Fund is a mutual fund from Bank of India Mutual Fund. Its category is Conservative Hybrid. It was launched on 18-03-2009. Its benchmark is CRISIL Hybrid 85+15 - Conservative Index. At the end of September 2026 it held 39 securities.
Fund Manager
Alok Singh
Fund manager of Bank of India Conservative Hybrid Fund, since 21-05-2012
Frequently Asked Questions for Bank of India Conservative Hybrid Fund
What is the current NAV of Bank of India Conservative Hybrid Fund?
The Direct plan NAV is ₹37.6326. The Regular plan NAV is ₹34.746. The NAV is ₹36.136, as on 30-10-2026.
What are the returns of Bank of India Conservative Hybrid Fund?
The Direct plan returned +1.21% in 1 year, +6.42% a year over 3 years, +9.43% a year over 5 years. The Regular plan returned +0.26% in 1 year, +5.46% a year over 3 years, +8.63% a year over 5 years. The fund returned +0.62% in 1 year, +5.86% a year over 3 years, +8.94% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of Bank of India Conservative Hybrid Fund?
The Direct plan charges 1.18% a year. The Regular plan charges 2.25% a year. The fund charges 1.18% a year. This is the figure the fund house reported to AMFI, in force from 01-10-2026.
What is the AUM of Bank of India Conservative Hybrid Fund?
Bank of India Conservative Hybrid Fund managed ₹65.93 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of Bank of India Conservative Hybrid Fund?
At the end of September 2026 the largest holdings were 7.1% Government of India (18/04/2029) (7.66%), 7.57% Indian Railway Finance Corporation Limited (18/04/2029) (7.57%), 6.94% Government of India (11/05/2036) (7.47%), Punjab National Bank (12/03/2027) (5.89%), 6.27% Power Finance Corporation Limited (15/07/2027) (4.51%). The fund held 39 securities in all.
What did Bank of India Conservative Hybrid Fund buy and sell in September 2026?
It bought 1 new stock: Larsen & Toubro Limited. It sold out of 2: Triveni Engineering & Industries Limited, MRF Limited. It added shares in 1. It reduced 1.
How do I invest in Bank of India Conservative Hybrid Fund?
Through Bank of India Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹5,000. You can invest once or through a monthly SIP.
Who is the fund manager of Bank of India Conservative Hybrid Fund?
Alok Singh (since 21-05-2012).
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.
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