Bank of India Conservative Hybrid Fund

Q: What are the returns of this mutual fund scheme?

The Bank of India Conservative Hybrid Fund is a 16 yrs 8 m old fund and has delivered average annual returns of 7.71% since inception. Bank of India Conservative Hybrid Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 2.35% 7.65% 10.89% 7.4% 7.71%

NAV as of Sep 29, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹34.1933-0.07% 1 day change	7.71% p.a.	App exclusive #NA View Ranked Funds	₹67 Cr

Historical NAV & returns

NAV: ₹34.1933 as on Sep 29, 2025

This fund Category average

Bank of India Conservative Hybrid Fund overview

AUM (Fund size)	₹67 Cr
Exit load	1.0% Exit load of 1% if units in excess of 10% of the initial units allotted are redeemed within 1 year!
Lock-in Period	Nil
Age	16 yrs 8 m since Jan 28, 2009
Benchmark	CRISIL Hybrid 85+15 Conservative Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	2.27% as on Aug 31, 2025
Plan type	Regular
Risk	Moderately High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Bank of India Conservative Hybrid Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Sep 30, 2025

Period	This fund	Category average
1 Month	0.53%	0.65%
3 Months	-0.49%	-0.01%
6 Months	3.43%	3.54%
1 Year	2.35%	3.76%
2 Years	7.17%	9.15%
3 Years	7.65%	9.1%
4 Years	10.52%	7.49%
5 Years	10.89%	9.19%
7 Years	7.7%	8.04%
10 Years	7.4%	7.6%

Asset allocationas on Aug 31, 2025

Large Cap 12.31%

Mid Cap 5.96%

Small Cap 4.81%

Other Cap 0%

Top holdings

Glenmark Pharmaceuticals Ltd.2.01%

Coforge Ltd.2.0%

ITC Ltd.1.71%

Siemens Energy India Ltd.1.58%

Top sectors

Energy 5.26%

Financial 3.64%

Capital Goods 2.41%

Technology 2.27%

AAA 31.87%

SOV 24.45%

Cash & Call Money 9.09%

A1+ 7.41%

Top Debt Holdings

GOI 22.99%

National Bank For Agriculture & Rural Development 7.61%

Indian Railway Finance Corporation Ltd. 7.59%

AU Small Finance Bank Ltd. 7.41%

Allocation by Instruments

GOI Securities 22.99%

Non Convertible Debenture 17.439999999999998%

Debenture 12.16%

Certificate of Deposit 7.41%

Other Holdings

Others 0.31%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bank of India Conservative Hybrid Fund	0.53%	3.43%	2.35%	7.65%	10.89%	7.4%
ICICI Prudential Regular Savings Fund	0.67%	5.29%	6.05%	10.28%	9.98%	9.38%
SBI Conservative Hybrid Fund	0.74%	4.37%	4.08%	10.0%	11.23%	8.9%
Canara Robeco Conservative Hybrid Fund	0.18%	3.65%	3.54%	8.56%	8.52%	7.87%
Baroda BNP Paribas Conservative Hybrid Fund	0.47%	3.28%	3.09%	8.4%	7.71%	7.16%
Kotak Debt Hybrid Fund	1.36%	2.81%	1.78%	10.15%	10.81%	9.32%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bank of India Conservative Hybrid Fund	3.86	0.87	0.14	0.22
ICICI Prudential Regular Savings Fund	3.0	0.74	1.07	1.73
SBI Conservative Hybrid Fund	3.36	0.79	0.92	1.58
Canara Robeco Conservative Hybrid Fund	3.6	0.89	0.46	0.76
Baroda BNP Paribas Conservative Hybrid Fund	3.43	0.84	0.4	0.58
Kotak Debt Hybrid Fund	4.6	1.13	0.63	0.98

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bank of India Conservative Hybrid Fund	N.A.	67 Cr	16 yrs 8 m	2.27%
ICICI Prudential Regular Savings Fund	N.A.	3,235 Cr	21 yrs 7 m	1.72%
SBI Conservative Hybrid Fund	N.A.	9,643 Cr	24 yrs 7 m	1.55%
Canara Robeco Conservative Hybrid Fund	N.A.	953 Cr	23 yrs	1.84%
Baroda BNP Paribas Conservative Hybrid Fund	N.A.	813 Cr	21 yrs 1 m	2.0%
Kotak Debt Hybrid Fund	N.A.	3,129 Cr	21 yrs 11 m	1.66%

View all Conservative Hybrid funds

Key risk & return ratios Compared to other funds in the category

Alpha	-1.61 vs. 2.73 Underperformed at beating benchmark
Sharpe	0.14 vs. 2.71 Poor risk-adjusted returns
Beta	0.87 vs. 0.91 Less sensitive to market ups & downs
Standard deviation	3.86 vs. 3.57 More volatile performance

Compare Bank of India Conservative Hybrid Fund in detail with

About this fund

About Bank of India Conservative Hybrid Fund

Bank of India Conservative Hybrid Fund is a Conservative Hybrid mutual fund scheme from Bank Of India Mutual Fund. This fund has been in existence for 16 yrs 8 m, having been launched on 28/01/2009. Bank of India Conservative Hybrid Fund has ₹67 Crores worth of assets under management (AUM) as on 31/08/2025 and is small fund of its category. The latest Net Asset Value (NAV) of Bank of India Conservative Hybrid Fund as of 29/09/2025 is ₹34.19. The fund has an expense ratio of 2.27%, which is higher than what most other Conservative Hybrid funds charge. Currently, the fund has a 23.08% allocation to equity and 67.83% to Debt.

Bank of India Conservative Hybrid Fund returns of last 1-year are 2.25%. Since launch, it has delivered 7.71% average annual returns. The fund has doubled the money invested in it every 10 yrs.
Bank of India Conservative Hybrid Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is below average.
The fund's equity portion is primarily invested in Energy, Financial, Capital Goods, Technology, Healthcare sectors. It has taken less exposure in Energy, Financial sectors compared to other funds in the category.
The debt portion of the fund has moderate credit quality indicating the quality of borrowers it has lent it to is good.
The fund's top 5 holdings are in GOI, National Bank For Agriculture & Rural Development, Indian Railway Finance Corporation Ltd., AU Small Finance Bank Ltd., Tata Capital Housing Finance Ltd..

...

Fund AUM	67 Cr as on Aug 31, 2025
Scheme document	View Scheme Document

Fund managers

Alok Singh

Mr. Singh is a CFA and PGDBA from ICFAI Business School. Prior to joining Bank of India AMC he has worked with BNP Paribas Asset Management and Axis Bank

Investment objective

The Scheme seeks to generate regular income through investments of a substantial portion in fixed income securities and long term capital appreciation by investing upto 20% of the net assets in equity and equity related instruments. The scheme will seek to build a well-diversified, high credit portfolio that minimizes liquidity risk and credit risk.

Bank of India Mutual Fund details

No. of schemes	21 view all schemes
Total AUM	12,458 Cr as on Jun 30, 2025
Address	B/204-Tower 1, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai, 400013
Email	service@boiaxa-im.com

More funds from Bank of India Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
Bank of India Mid & Small Cap Equity & Debt Fund	N.A.	1,253 Cr	-4.67%	21.98%
Bank of India Balanced Advantage Fund	N.A.	139 Cr	-3.74%	10.98%
Bank of India Arbitrage Fund	N.A.	46 Cr	6.07%	4.63%

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of Bank of India Conservative Hybrid Fund?

The current Net Asset Value (NAV) of the Bank of India Conservative Hybrid Fund plan is approximately ₹34.1933 as of Sep 29, 2025.

What are the returns of this mutual fund scheme?

The Bank of India Conservative Hybrid Fund is a 16 yrs 8 m old fund and has delivered average annual returns of 7.71% since inception.

Bank of India Conservative Hybrid Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
2.35%	7.65%	10.89%	7.4%	7.71%

How much does this mutual fund charge as expense ratio?

The Bank of India Conservative Hybrid Fund has an expense ratio of 2.27%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The Bank of India Conservative Hybrid Fund currently has assets under management (AUM) or fund size valued at approximately 67 Cr as on Aug 31, 2025.

What are the top stock holdings of Bank of India Conservative Hybrid Fund?

The Bank of India Conservative Hybrid Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
Glenmark Pharmaceuticals Ltd.	2.01%
Coforge Ltd.	2.0%
ITC Ltd.	1.71%
Siemens Energy India Ltd.	1.58%
NTPC Green Energy Ltd.	1.46%
Ambuja Cements Ltd.	1.34%
TD Power Systems Ltd.	1.05%
SJS Enterprises Ltd.	1.04%
State Bank of India	1.02%
CreditAccess Grameen Ltd.	0.98%

What are the top sectors Bank of India Conservative Hybrid Fund has invested in?

The Bank of India Conservative Hybrid Fund's equity portion is primarily invested in the following sectors -

Sector	Percentage of Portfolio
Energy	5.26%
Financial	3.64%
Capital Goods	2.41%
Technology	2.27%
Healthcare	2.21%
Consumer Staples	1.91%
Materials	1.34%
Metals & Mining	1.3%
Automobile	1.04%
Services	0.64%

To whom does Bank of India Conservative Hybrid Fund lend to?

The top 3 debt holdings of Bank of India Conservative Hybrid Fund are as follows

Holding Name	Percentage of Portfolio
GOI	22.99%
National Bank For Agriculture & Rural Development	7.61%
Indian Railway Finance Corporation Ltd.	7.59%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Bank of India Conservative Hybrid Fund's debt portion's allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	31.87%
SOV	24.45%
Cash & Call Money	9.09%

What is risk level of Bank of India Conservative Hybrid Fund?

This is a Conservative Hybrid fund comes with Moderately High risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How can I redeem my investments in Bank of India Conservative Hybrid Fund?

Redeeming your investments in the Bank of India Conservative Hybrid Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Conservative Hybrid

#NA

Return Outperformance: This fund has generated highest return amongst Conservative Hybrid funds in the last 5 Years.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load of 1% if units in excess of 10% of the initial units allotted are redeemed within 1 year