Bank of India Aggressive Hybrid Fund vs JM Aggressive Hybrid Fund
Direct Plan, Growth option · Data as on 30-10-2026
Bank of India Aggressive Hybrid Fund and JM Aggressive Hybrid Fund are both Aggressive Hybrid funds. In the 3 years to 30-10-2026, Bank of India Aggressive Hybrid Fund (Direct) returned 15.4% a year and JM Aggressive Hybrid Fund (Direct) returned 11.8% a year. Bank of India Aggressive Hybrid Fund charges 0.86% a year and JM Aggressive Hybrid Fund 1.16% (Direct plans). Their portfolios overlap 7.1%: they hold 8 of the same securities.
Bank of India Aggressive Hybrid Fund
Aggressive Hybrid
- 3 year return
- 15.4%
- Expense ratio
- 0.86%
- NAV
- ₹44.94
JM Aggressive Hybrid Fund
Aggressive Hybrid
- 3 year return
- 11.8%
- Expense ratio
- 1.16%
- NAV
- ₹134.15
Which is better, Bank of India Aggressive Hybrid or JM Aggressive Hybrid? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Bank of India Aggressive Hybrid returned more over 5 years: 13.7% a year against 12.1%.
- Bank of India Aggressive Hybrid returned more over 3 years: 15.4% a year against 11.8%.
- Bank of India Aggressive Hybrid costs less: 0.86% a year against 1.16% (Direct plans).
- JM Aggressive Hybrid swung less over 3 years: a standard deviation of 12.5% a year against 14.8%.
- JM Aggressive Hybrid fell less in its worst fall since 27-07-2016: −36.6% against −36.6%.
- JM Aggressive Hybrid holds more in large companies: 43.2% of the fund in large caps against 0.0%.
- Bank of India Aggressive Hybrid is the larger fund: ₹2,196 Cr against ₹654 Cr.
- Their portfolios overlap 7.1%: 8 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Bank of India Aggressive Hybrid Fund | JM Aggressive Hybrid Fund |
|---|---|---|
| Fund house | Bank of India Mutual Fund | JM Financial Mutual Fund |
| Category | Aggressive Hybrid | Aggressive Hybrid |
| AUM | ₹2,196 Cr (30-09-2026) | ₹654 Cr (30-09-2026) |
| NAV | ₹44.94 (Direct) | ₹134.15 (Direct) |
| Expense ratio (Direct) | 0.86% | 1.16% |
| Expense ratio (Regular) | 2.24% | 2.69% |
| Riskometer | Very High | Very High |
| Benchmark | 70% Nifty MidSmall cap 400 TRI Index & 30% CRISIL Short Term Bond Index | CRISIL Hybrid 35+65 - Aggressive Index |
| Launch date | 20-07-2016 | 01-04-1995 |
| Minimum investment | ₹5,000 | ₹1,000 |
| Lock in | None | None |
| Fund managers | Alok Singh | Asit Bhandarkar, Satish Ramanathan, Deepak Gupta, Ruchi Fozdar |
| Exit load | Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months. | 1.00% of NAV on all investment (including SIP/ STP/ SWP) transactions, if redeemed / switched-out within 60 days of transfer/ allotment of units in normal transactions/ allotment of units of respective installments in SIP/ STP/ SWP transactions |
Bank of India Aggressive Hybrid vs JM Aggressive Hybrid: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Bank of India Aggressive Hybrid Fund (Direct) | −4.69% | −2.35% | +1.95% | +6.64% | +15.44% | +13.65% | +15.39% |
| JM Aggressive Hybrid Fund (Direct) | −1.58% | −3.18% | +1.49% | −5.13% | +11.76% | +12.14% | +12.55% |
| Aggressive Hybrid average | −0.88% | −3.67% | −0.27% | −3.33% | +10.77% | +9.35% | +11.60% |
Category average: the average of the 29 Aggressive Hybrid funds, same plan type.
Bank of India Aggressive Hybrid vs JM Aggressive Hybrid: Year-wise Returns
| Year | Bank of IndiaBank of India Aggressive Hybrid | JMJM Aggressive Hybrid |
|---|---|---|
| 2026to date | +6.14% | −2.73% |
| 2025 | +0.40% | −1.55% |
| 2024 | +27.36% | +29.28% |
| 2023 | +34.92% | +35.47% |
| 2022 | −3.76% | +9.13% |
| 2021 | +55.77% | +23.91% |
Bank of India Aggressive Hybrid vs JM Aggressive Hybrid: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 1,787 of them, one for each trading day from 29-07-2019 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Bank of India Aggressive Hybrid Fund (Direct)
JM Aggressive Hybrid Fund (Direct)
to
Feb 2020May 2018
to
May 2021Aug 2019
to
Aug 2022Nov 2020
to
Nov 2023Feb 2022
to
Feb 2025Apr 2023
to
Apr 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Bank of India Aggressive Hybrid | 4.8 | 11.2 | 9.0 | 2.4 | 19.8 | 27.7 | 25.3 | 17.8% | 20.3% | −3.7% | 34.0% |
| JM Aggressive Hybrid | 4.5 | 13.1 | 3.8 | 16.6 | 15.9 | 33.6 | 12.4 | 16.2% | 18.7% | −9.1% | 34.1% |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. Every fund is measured over the days all of them have, from 27-07-2016. Past returns do not promise future returns.
Bank of India Aggressive Hybrid vs JM Aggressive Hybrid: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 27-07-2016 to 30-10-2026: 124 instalments, ₹12,40,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Bank of India Aggressive HybridBank of India Aggressive Hybrid Fund (Direct) | ₹12,40,000 | ₹30,30,484 | ₹17,90,484 | 16.5% |
| JM Aggressive HybridJM Aggressive Hybrid Fund (Direct) | ₹12,40,000 | ₹26,02,068 | ₹13,62,068 | 13.7% |
Bank of India Aggressive HybridBank of India Aggressive Hybrid Fund (Direct)
JM Aggressive HybridJM Aggressive Hybrid Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), 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 Aggressive Hybrid vs JM Aggressive Hybrid: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Bank of India Aggressive Hybrid Fund (Direct) | JM Aggressive Hybrid Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.64% | −5.13% |
| Standard deviation | 13.59% | 12.70% |
| Sharpe ratio | 0.10 | -0.82 |
| Sortino ratio | 0.14 | -1.09 |
| Maximum drawdown | −9.0% (23-03-2026) | −13.7% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Bank of India Aggressive Hybrid Fund (Direct) | JM Aggressive Hybrid Fund (Direct) |
|---|---|---|
| Return (CAGR) | +15.44% | +11.76% |
| Standard deviation | 14.83% | 12.46% |
| Sharpe ratio | 0.64 | 0.46 |
| Sortino ratio | 0.85 | 0.63 |
| Maximum drawdown | −20.0% (03-03-2025) | −17.0% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Bank of India Aggressive Hybrid Fund (Direct) | JM Aggressive Hybrid Fund (Direct) |
|---|---|---|
| Return (CAGR) | +13.65% | +12.14% |
| Standard deviation | 14.37% | 12.06% |
| Sharpe ratio | 0.55 | 0.53 |
| Sortino ratio | 0.73 | 0.71 |
| Maximum drawdown | −21.5% (20-06-2022) | −17.0% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Bank of India Aggressive Hybrid Fund (Direct) | JM Aggressive Hybrid Fund (Direct) |
|---|---|---|
| Return (CAGR) | +15.63% | +12.88% |
| Standard deviation | 14.19% | 13.91% |
| Sharpe ratio | 0.72 | 0.49 |
| Sortino ratio | 0.96 | 0.70 |
| Maximum drawdown | −36.6% (23-03-2020) | −36.6% (23-03-2020) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 27-07-2016 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. Beta and alpha compare each fund with its own benchmark's TRI.
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.
Bank of India Aggressive Hybrid Fund (Direct)
JM Aggressive Hybrid Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Bank of India Aggressive Hybrid Fund (Direct) | −36.6% | 15-01-2018 | 23-03-2020 | 27-11-2020 | 8 months | −7.1% |
| JM Aggressive Hybrid Fund (Direct) | −36.6% | 03-06-2019 | 23-03-2020 | 23-10-2020 | 7 months | −8.8% |
From daily values since 27-07-2016, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Bank of India Aggressive Hybrid Fund (Direct)
JM Aggressive Hybrid Fund (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Bank of India Aggressive Hybrid Fund (Direct)
JM Aggressive Hybrid Fund (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Bank of India Aggressive Hybrid Fund (Direct)
JM Aggressive Hybrid Fund (Direct)
Bank of India Aggressive Hybrid vs JM Aggressive Hybrid: Portfolio Overlap
From each fund's latest monthly portfolio: Bank of India Aggressive Hybrid Fund, September 2026; JM Aggressive Hybrid Fund, September 2026
Holdings in common
- Overlap
- 7.1%
- Held by both
- 8
- Only in Bank of India Aggressive Hybrid
- 102
- Only in JM Aggressive Hybrid
- 73
| Security | % of Bank of India Aggressive Hybrid | % of JM Aggressive Hybrid |
|---|---|---|
| One 97 Communications Limited | 1.64% | 3.80% |
| Multi Commodity Exchange of India Limited | 1.20% | 2.09% |
| UNO Minda Limited | 1.76% | 1.08% |
| United Spirits Limited | 1.02% | 1.76% |
| Wework India Management Limited | 0.70% | 1.09% |
| Bharat Forge Limited | 0.70% | 1.18% |
| GE Vernova T&D India Limited | 0.67% | 1.09% |
| Asset Reconstruction Company India Limited | 0.12% | 0.80% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 7.1% means 7.1% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Bank of India Aggressive Hybrid Fund
| Security | % of fund |
|---|---|
| Bank of Maharashtra | 3.28% |
| Sterlite Technologies Limited | 2.46% |
| The Federal Bank Limited | 2.46% |
| Balrampur Chini Mills Limited | 2.02% |
| Quality Power Electrical Eqp Ltd | 1.96% |
Largest holdings only in JM Aggressive Hybrid Fund
| Security | % of fund |
|---|---|
| Eternal Limited | 2.94% |
| Bharti Airtel Limited | 2.71% |
| 6.94% GOI 11-May-2036 | 2.67% |
| Bajaj Finance Limited | 2.63% |
| Kotak Mahindra Bank Limited | 2.42% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Bank of India Aggressive Hybrid | JM Aggressive Hybrid |
|---|---|---|
| Equity | 70.0% | 77.8% |
| Debt | 23.9% | 19.9% |
| Cash and others | 6.1% | 2.3% |
Market cap of stocks
| Market cap | Bank of India Aggressive Hybrid | JM Aggressive Hybrid |
|---|---|---|
| Large Cap | 0.0% | 43.2% |
| Mid Cap | 39.6% | 16.7% |
| Small Cap | 26.9% | 16.6% |
| Not on AMFI's list | 3.5% | 1.2% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Bank of India Aggressive Hybrid | JM Aggressive Hybrid |
|---|---|---|
| Banks | 5.7% | 12.4% |
| Pharmaceuticals & Biotechnology | 9.6% | 1.9% |
| Electrical Equipment | 6.1% | 1.1% |
| Finance | 3.4% | 5.6% |
| Retailing | 0.0% | 5.2% |
| Capital Markets | 2.7% | 4.5% |
| Telecom - Equipment & Accessories | 4.4% | 0.0% |
| Automobiles | 0.0% | 3.9% |
| Auto Components | 3.8% | 2.9% |
| Financial Technology (Fintech) | 2.7% | 3.8% |
| Industrial Manufacturing | 3.8% | 0.0% |
The six largest sectors of each fund's stocks, % of the fund.
Bank of India Aggressive Hybrid vs JM Aggressive Hybrid: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Bank of India Aggressive Hybrid Fund | JM Aggressive Hybrid Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.86% | 1.16% |
| Base expense ratio (Direct) | 0.56% | 0.75% |
| Total expense ratio (Regular) | 2.24% | 2.69% |
| Base expense ratio (Regular) | 1.73% | 2.06% |
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, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare Bank of India Aggressive Hybrid with
Bank of India Aggressive Hybrid Fund vs JM Aggressive Hybrid Fund: Frequently Asked Questions
What is the difference between Bank of India Aggressive Hybrid Fund and JM Aggressive Hybrid Fund?
Both are Aggressive Hybrid funds, run by Bank of India Mutual Fund and JM Financial Mutual Fund. Their portfolios overlap 7.1%. Bank of India Aggressive Hybrid Fund charges 0.86% a year and JM Aggressive Hybrid Fund 1.16%.
Which has given higher returns, Bank of India Aggressive Hybrid Fund or JM Aggressive Hybrid Fund?
Over 1 year: Bank of India Aggressive Hybrid Fund +6.64%, JM Aggressive Hybrid Fund −5.13%. Over 3 years: Bank of India Aggressive Hybrid Fund +15.44% a year, JM Aggressive Hybrid Fund +11.76% a year. Over 5 years: Bank of India Aggressive Hybrid Fund +13.65% a year, JM Aggressive Hybrid Fund +12.14% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Bank of India Aggressive Hybrid Fund or JM Aggressive Hybrid Fund?
Bank of India Aggressive Hybrid Fund charges less: 0.86% a year against 1.16%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Bank of India Aggressive Hybrid Fund and JM Aggressive Hybrid Fund overlap?
7.1%. They hold 8 of the same securities, the largest shared ones being PAYTM, MCX, UNOMINDA. From each fund's latest monthly portfolio.
Which is riskier, Bank of India Aggressive Hybrid Fund or JM Aggressive Hybrid Fund?
On SEBI's riskometer, Bank of India Aggressive Hybrid Fund is rated Very High and JM Aggressive Hybrid Fund Very High. Over 3 years, the standard deviation of daily returns was 14.83% and 12.46% a year.
Which is better for SIP, Bank of India Aggressive Hybrid Fund or JM Aggressive Hybrid Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹8,64,596 in Bank of India Aggressive Hybrid Fund (XIRR 13.7% a year) and ₹7,99,769 in JM Aggressive Hybrid Fund (XIRR 10.6% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Bank of India Aggressive Hybrid Fund and JM Aggressive Hybrid Fund?
Yes. 7.1% of each fund's money sits in the same holdings, so the two hold mostly different investments.
Who manages Bank of India Aggressive Hybrid Fund and JM Aggressive Hybrid Fund?
Bank of India Aggressive Hybrid Fund: Alok Singh. JM Aggressive Hybrid Fund: Asit Bhandarkar, Satish Ramanathan, Deepak Gupta, Ruchi Fozdar.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
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.