Bank of India Conservative Hybrid Fund vs Kotak Bond Fund
Bank of India Conservative Hybrid Fund (Direct) and Kotak Bond Fund (Direct) head to head: growth of ₹100, returns across every window, risk, cost, and portfolio overlap — every figure computed from AMFI NAV history, nothing supplied by a fund house. Both are Medium to Long Duration Fund schemes — see the best medium to long duration mutual funds for the full ranking.
Head to head
NAVs as of 20 Aug 2026
Growth of ₹100 (rebased over the selected window)
Common period 14 Jan 2013 – 20 Aug 2026, limited by Bank of India Conservative Hybrid Fund. Every series is rebased to ₹100 at the start of this window.
View as table
| Date | Bank of India Conservative Hybrid Fund | Kotak Bond Fund |
|---|---|---|
| 14 Jan 2013 | ₹100.00 | ₹100.00 |
| 04 Mar 2014 | ₹106.70 | ₹101.44 |
| 22 Apr 2015 | ₹126.20 | ₹119.90 |
| 09 Jun 2016 | ₹136.88 | ₹129.56 |
| 27 Jul 2017 | ₹157.03 | ₹147.01 |
| 14 Sep 2018 | ₹166.05 | ₹147.39 |
| 02 Nov 2019 | ₹150.02 | ₹168.90 |
| 20 Dec 2020 | ₹169.45 | ₹192.86 |
| 07 Feb 2022 | ₹185.59 | ₹198.62 |
| 28 Mar 2023 | ₹224.93 | ₹209.77 |
| 14 May 2024 | ₹262.20 | ₹229.97 |
| 02 Jul 2025 | ₹283.39 | ₹255.61 |
| 20 Aug 2026 | ₹294.08 | ₹269.34 |
| Metric | Bank of India · Direct NAV ₹38.21 Moderate risk ★★★☆☆ | Kotak Mahindra · Direct NAV ₹91.18 Moderate risk ★★★☆☆ | Category median Medium to Long Duration Fund · 13 funds |
|---|---|---|---|
| +4.58% | +5.98%Best in row | +5.35% | |
| +7.42% | +7.56%Best in row | +7.12% | |
| +10.16%Best in row | +6.49% | +6.38% | |
| +7.52%Best in row | +7.02% | +6.82% | |
| +8.26%Best in row | +7.66% | +7.60% | |
| +7.59%Best in row | +7.06% | — | |
| +8.63%Best in row | +7.87% | +7.74% | |
| +8.11%Best in row | +7.68% | +7.57% | |
| +8.45%Best in row | +7.80% | +7.69% | |
| Risk | |||
| 3.92% | 2.15%Best in row | 2.08% | |
| 0.23 | 0.49Best in row | 0.23 | |
| 0.31 | 0.69Best in row | 0.31 | |
| -15.37% | -9.92%Best in row | -9.92% | |
| 1.18% | 0.74%Best in row | 0.74% | |
| ₹64.73Cr | ₹1,834Cr | ₹362.12Cr | |
| Up to 1.00% | None | — | |
| ₹1.00K | ₹100 | — | |
| ₹5.00K | ₹100 | — | |
| Alok Singh · 14.3y | Abhishek Bisen | — | |
| 14 Jan 2013 | 02 Jan 2013 | — | |
| 24 | — | — | |
| 12.5% | — | — | |
| 28.4% | 22.4% | — | |
7 rows carry the same value for every fund — show
- Benchmark
- —
- Alpha
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- Beta
- —
- Upside capture
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- Downside capture
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- Lock-in
- None
- Portfolio turnover
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Best marks the strongest value in a row, and only where the gap is bigger than noise — a near-tie is left unmarked rather than dressed up as a result. SIP XIRR is a ₹10,000/month instalment over 5 years of real NAV history. Nothing here is supplied by a fund house. For research only — not investment advice.
Frequently asked questions
Which fund has delivered higher returns — Bank of India Conservative Hybrid Fund or Kotak Bond Fund?
Over the last 3 years, Kotak Bond Fund returned +7.56% CAGR against Bank of India Conservative Hybrid Fund's +7.42%, computed from AMFI NAV history. Over 5 years: Bank of India Conservative Hybrid Fund +10.16% vs Kotak Bond Fund +6.49% CAGR. Past returns don't guarantee future performance.
Which fund is cheaper — Bank of India Conservative Hybrid Fund or Kotak Bond Fund?
Kotak Bond Fund has the lower expense ratio: Bank of India Conservative Hybrid Fund charges 1.18% a year against Kotak Bond Fund's 0.74%. The expense ratio is deducted from the NAV daily, so a lower one compounds in the investor's favour.
Which fund is riskier — Bank of India Conservative Hybrid Fund or Kotak Bond Fund?
Bank of India Conservative Hybrid Fund has shown higher volatility (+3.92% annualized vs Kotak Bond Fund's +2.15%), measured as the annualized standard deviation of daily returns over the trailing 3 years. Worst 3-year drawdown: Bank of India Conservative Hybrid Fund -4.11% vs Kotak Bond Fund -1.78%.
Which fund manages more money — Bank of India Conservative Hybrid Fund or Kotak Bond Fund?
Kotak Bond Fund is the larger fund: Bank of India Conservative Hybrid Fund manages ₹64.73Cr against Kotak Bond Fund's ₹1,834Cr in assets. Size cuts both ways — scale lowers costs, but a very large fund can find it harder to move in and out of positions.
Are Bank of India Conservative Hybrid Fund and Kotak Bond Fund in the same category?
Yes — both are Medium to Long Duration Fund schemes, so their returns, risk and cost are directly comparable against the same peer set.
Figures update daily from AMFI NAV history; ratings and ranks are WealthTicker’s own — see the methodology. This is data, not investment advice.