HybridConservative Hybrid FundRegularIDCWModerately High

Bank of India Conservative Hybrid Fund

Q: What is the NAV of Bank of India Conservative Hybrid Fund?

As of 05 Oct 2026, the NAV of Bank of India Conservative Hybrid Fund is ₹17.95 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

Q: What returns has Bank of India Conservative Hybrid Fund delivered?

Bank of India Conservative Hybrid Fund has returned +1.35% over 1 year, +5.45% per year over 3 years, +8.69% per year over 5 years and +3.39% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

Q: What is the expense ratio of Bank of India Conservative Hybrid Fund?

Bank of India Conservative Hybrid Fund charges an expense ratio of 2.25% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

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

Bank of India Conservative Hybrid Fund's largest holdings are 7.1% Government of India (18/04/2029) (7.8%), 7.57% Indian Railway Finance Corporation Limited (18/04/2029) (7.7%), 7.68% National Bank For Agriculture and Rural Development (30/04/2029) (7.7%), Punjab National Bank (12/03/2027) (5.9%) and 7.73% Tata Capital Housing Finance Limited (14/01/2030) (4.6%). Holdings are disclosed monthly and change over time.

Q: How risky is Bank of India Conservative Hybrid Fund?

Bank of India Conservative Hybrid Fund is rated moderately high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 3.9% and its worst peak-to-trough fall in our sample was -25.2%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

Q: What does the Sharpe ratio of -0.27 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Bank of India Conservative Hybrid Fund's -0.27 means it has not compensated investors for its volatility over the window. Higher is better.

Q: What is the benchmark of Bank of India Conservative Hybrid Fund?

Bank of India Conservative Hybrid Fund is benchmarked against the CRISIL Hybrid 85 + 15 - Conservative Index. Its alpha and beta on this page are measured against that index.

Q: Who manages Bank of India Conservative Hybrid Fund?

Bank of India Conservative Hybrid Fund is managed by Alok Singh at Bank of India.

Q: How is Bank of India Conservative Hybrid Fund taxed?

Bank of India Conservative Hybrid Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.

Bank of India Mutual Fund · Best Conservative Hybrid Mutual Funds

NAV

₹17.95

+0.17% 1D

as of 05 Oct 2026

This is the Regular plan of Bank of India Conservative Hybrid Fund — bought through a distributor, whose commission is paid out of its expense ratio. Income is distributed monthly, which is why this NAV sits below the growth plan of the same fund.

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NAV history

+1.43%absolute

52-week rangePrev NAV ₹17.92

Latest ₹17.95

Low ₹17.5362nd percentile of its 52-week rangeHigh ₹18.21

Scorecard

Not rated

How this is computed

Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. Not rated — too few comparable Hybrid funds (same plan and option) to rank against yet.

Performance—

Not enough Conservative Hybrid Fund peers to rank yet

Risk—

Volatility 3.9% (no category average yet)

Cost—

2.3% expense (no category average yet)

ConsistencyModerate

70% of rolling 3Y windows were positive

Key Metrics

Annual fee charged by the fund, already deducted from NAV

2.25%

Category —

Portfolio-weighted harmonic mean P/E across the fund's equity holdings

—

Category —

Excess return per unit of total volatility (rf = 6.5%)

-0.27

Category —

Scheme Info

Definitions

Plan

Regular · IDCW

Period before units can be redeemed — 3 years for ELSS, none for most open-ended funds

None

• If redeemed/ switched-out within 3 months from the date of allotment: - For 10% of investments: Nil - For remaining investments:1% • If redeemed/ switched-out after 3 months from the date of allotment: Nil

Up to 1.00%

tiered — see the full terms

Statutory levy on every mutual-fund purchase since 1 Jul 2020 (SEBI / Govt of India) — the same for every scheme

0.005%

SIP Inv.

Allowed

Smallest recurring SIP instalment the scheme accepts

₹1,000

Smallest one-time (lumpsum) investment the scheme accepts

₹5,000

CRISIL Hybrid 85 + 15 - Conservative Index

Start of our NAV history for this plan. Direct plans begin 1 Jan 2013, so this is the plan's inception — not necessarily the scheme's original launch date.

20 Mar 2009

Period returns (<1Y, absolute — not annualized)

Definitions

Absolute return over the last 1 month (not annualized)

-1.07%

Absolute return over the last 3 months (not annualized)

-1.06%

Absolute return over the last 6 months (not annualized)

+2.15%

Absolute return since 1 Jan of this year (not annualized)

+0.74%

Annualized returns (≥1Y — CAGR)

Definitions

1-year point-to-point return, annualized (CAGR)

+1.35%

3-year annualized return (CAGR)

+5.45%

5-year annualized return (CAGR)

+8.69%

10-year annualized return (CAGR)

+3.60%

Annualized return (CAGR) since the first NAV we hold for this plan — the Inception date under Key metrics. AMFI's history starts in April 2006, so an older scheme is measured from there.

+3.39%

Advanced metrics — risk

Risk (trailing 3Y)

Definitions

Annualized standard deviation of daily returns

3.93%

Excess return per unit of total volatility (rf = 6.5%)

-0.27

Excess return per unit of downside deviation — upside swings aren't penalized (rf = 6.5%)

-0.35

Largest peak-to-trough decline over full history

-25.22%

Benchmark ratios

Not shown for Conservative Hybrid Fund — a debt, arbitrage or cash-like fund isn't measured against an equity index, so alpha/beta vs one would be noise rather than signal.

Fund vs category average (Conservative Hybrid Fund)

Period	Fund	Category avg.	Diff
1M abs	-1.07%	—	—
3M abs	-1.06%	—	—
6M abs	+2.15%	—	—
1Y CAGR	+1.35%	—	—
3Y CAGR	+5.45%	—	—
5Y CAGR	+8.69%	—	—

Category average across peers in Conservative Hybrid Fund, same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).

Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.

Backtest this fund

What a SIP or one-time investment would have grown to over this fund’s real NAV history.

Monthly investment (₹)

Period

Invested

₹6.00L

Current value

₹6.88L

Absolute

+14.60%

XIRR

+5.57%

Value vs. invested

ValueInvested

60 monthly installments of ₹10,000 into Bank of India Conservative Hybrid Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.

Calendar-year returns

What the fund actually returned in each year, not the smoothed average.

Year	Fund
2026part	+0.74%
2025	+4.24%
2024	+7.00%
2023	+10.90%
2022	+21.48%
2021	+3.54%
2020	+11.38%
2019	-8.95%
2018	-10.75%
2017	+3.86%

January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.

History points

4,231

Expense ratio

2.25%

AUM

₹64.73Cr

Portfolio turnover

76%

YTM

6.83%

Macaulay duration

1.68 years

Average maturity

1.93 years

Exit load

Portfolio, AUM & scheme details shown from another plan of this scheme (same underlying portfolio).

Taxation

Taxed as debt

This is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.

Any holding period

30%

Short- and long-term alike

Your income-tax slab — no LTCG or indexation benefit

Your income-tax slab

Pick your slab to see the rate that applies to you.

Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.

Peer comparison · Conservative Hybrid Fund

Compare all


Bank of India Conservative Hybrid FundThis fund Bank of India · Regular · Monthly IDCW	—	+1.35%	+5.45%	+8.69%	—	2.25%	₹64.73Cr
SBI Conservative Hybrid Fund SBI · Regular · IDCW	—	+3.65%	+7.65%	+7.87%	—	1.50%	₹9,722Cr
SBI Conservative Hybrid Fund SBI · Regular · IDCW	—	+3.65%	+7.65%	+7.87%	—	1.50%	₹9,722Cr
UTI Conservative Hybrid Fund - Regular Plan - Monthly Payment UTI · Regular · IDCW	—	+0.05%	+6.77%	+6.13%	—	—	₹1.31Cr
Bank of India Conservative Hybrid Fund Bank of India · Regular · Annual IDCW	—	+1.35%	+5.45%	+8.69%	—	2.25%	₹64.73Cr
Bank of India Conservative Hybrid Fund Bank of India · Regular · Quarterly IDCW	—	+1.35%	+5.45%	+8.69%	—	2.25%	₹64.73Cr

Market-cap allocation · AMFI bands, Jul 2026

Equity holdings by company size — 99% of the equity sleeve priced.

Large cap54.1%
Mid cap28.5%
Small cap17.4%

Asset allocation

As on 31 Aug 2026 · AMC disclosure

Debt59.32%
Equity20.37%
Cash & Equivalents20.31%

which companies this fund invests in

As on 31 Aug 2026 · AMC disclosure

Punjab National Bank (12/03/2027)

5.92%

Glenmark Pharmaceuticals Limited

2.66%

Hindustan Copper Limited

1.56%

State Bank of India

1.46%

ICICI Bank Limited

1.34%

NTPC Limited

1.13%

Balrampur Chini Mills Limited

1.06%

Bharat Electronics Limited

1.02%

Bharti Airtel Limited

0.97%

Adani Ports and Special Economic Zone Limited

0.94%

Holds the same stocks as (by portfolio overlap, not by category)

Compare the top 3 →

Fund	Overlap	Rating	TER	3Y
Bank of India Business Cycle Fund Bank of India · Sectoral/ Thematic	44.7%	★★★☆☆	1.37%	—
Bank of India ELSS Tax Saver Fund Bank of India · ELSS	42.3%	★★★☆☆	1.10%	+11.73%
Bank of India Flexi Cap Fund Bank of India · Flexi Cap Fund	41.4%	★★★★☆	0.88%	+18.69%
Bank of India Balanced Advantage Fund Bank of India · Dynamic Asset Allocation or Balanced Advantage	37.1% of 58% equity	★☆☆☆☆	1.39%	+8.72%
Bank of India Large Cap Fund Bank of India · Large Cap Fund	34.3%	★★★☆☆	1.29%	+11.91%
ITI Large Cap Fund ITI · Large Cap Fund	31.6%	★★★☆☆	0.93%	+9.78%
Franklin India Retirement Fund Franklin Templeton · Retirement Fund	31.6% of 35% equity	★★☆☆☆	1.52%	+7.20%
Nippon India Index Fund - BSE Sensex Nippon India · Index Funds	31.5%	★★☆☆☆	0.21%	+4.26%

Overlap is the share of each fund's equity book invested in the same stocks, by weight, across the Direct-plan universe — so a fund that is only part equity is labelled as such. ! marks a pair holding more in common than nine pairs in ten of its type, where that type has a measured distribution.

Worst falls, and the wait to get back

How far this fund has dropped from a high, and how long it took to reclaim it.

-25.2%27 Jan 2015 → 23 Mar 2020
Fell over 5.2 years, back to the old high on 31 Mar 2022 — 2.0 years under water after the low.
-9.6%22 Sep 2009 → 10 Feb 2011
Fell over 17 months, back to the old high on 30 Jul 2012 — 18 months under water after the low.

Measured on this fund’s own NAV history, peak to trough to the day it regained the peak. Falls shallower than 5% are left out. A recovery date is when the NAV got back, not when any particular investor did — that depends on when they bought.

Fund size over time

Quarterly average AUM · AMFI

₹64.73Cr

April - June 2026

since January - March 2026

−₹26.89L

est. net flow, last quarter

At or near its largest, ₹64.73Cr in April - June 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.

Net flow is an estimate: AMFI publishes a quarterly average AUM, not a closing balance, and it covers every plan and option of this scheme together, so it is a read on direction and rough size rather than a cash-flow statement.

AMC Profile

Bank of India Mutual Fund is run by Bank of India Investment Managers, wholly owned by the bank since its former joint-venture partner AXA Investment Managers exited — the house was branded BOI AXA until then. It runs a compact equity, hybrid and debt line-up.

Launched

30 Mar 2008

Total AUM

₹15,446Cr+9.0% QoQ

Avg AUM · April - June 2026

Website

boimf.in

Fund Managers

ASAlok SinghManaging since 21 May 2012

Education

B.Com, PGDBA and CFA

Experience

Around 18 years of experience, BOI AXA Investment Managers (April 2012 – present) including 11 years in Mutual Fund BNP Paribas Asset Management Pvt. Ltd. (Feb 2005 to industry. March 2012) Axis Bank Limited (August 2000 to January 2005)

Funds managed (7)

All schemes Alok Singh runs →

Fund manager, benchmark and dealing terms from this scheme's SEBI-filed Scheme Information Document on AMFI. Each manager's qualifications and role are reconciled across every filing this fund house makes for them, including its Statement of Additional Information. Total AUM via AMFI.

Explore from here

Fund managers

Alok Singh

Top holdings

Glenmark Pharmaceuticals Limited Hindustan Copper Limited State Bank of India ICICI Bank Limited NTPC Limited Balrampur Chini Mills Limited Bharat Electronics Limited Bharti Airtel Limited Adani Ports and Special Economic Zone Limited Power Grid Corporation of India Limited Asian Paints Limited S.J.S. Enterprises Limited

Bank of India in the news

Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.

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Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.

About Conservative Hybrid funds

Conservative hybrid funds keep most of the portfolio (75–90%) in debt with a small equity slice. They aim for steadier returns than equity with a little extra growth over pure debt.

Frequently asked questions

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

As of 05 Oct 2026, the NAV of Bank of India Conservative Hybrid Fund is ₹17.95 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

What returns has Bank of India Conservative Hybrid Fund delivered?

Bank of India Conservative Hybrid Fund has returned +1.35% over 1 year, +5.45% per year over 3 years, +8.69% per year over 5 years and +3.39% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

What is the expense ratio of Bank of India Conservative Hybrid Fund?

Bank of India Conservative Hybrid Fund charges an expense ratio of 2.25% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

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

Bank of India Conservative Hybrid Fund's largest holdings are 7.1% Government of India (18/04/2029) (7.8%), 7.57% Indian Railway Finance Corporation Limited (18/04/2029) (7.7%), 7.68% National Bank For Agriculture and Rural Development (30/04/2029) (7.7%), Punjab National Bank (12/03/2027) (5.9%) and 7.73% Tata Capital Housing Finance Limited (14/01/2030) (4.6%). Holdings are disclosed monthly and change over time.

How risky is Bank of India Conservative Hybrid Fund?

Bank of India Conservative Hybrid Fund is rated moderately high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 3.9% and its worst peak-to-trough fall in our sample was -25.2%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

What does the Sharpe ratio of -0.27 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Bank of India Conservative Hybrid Fund's -0.27 means it has not compensated investors for its volatility over the window. Higher is better.

What is the benchmark of Bank of India Conservative Hybrid Fund?

Bank of India Conservative Hybrid Fund is benchmarked against the CRISIL Hybrid 85 + 15 - Conservative Index. Its alpha and beta on this page are measured against that index.

Who manages Bank of India Conservative Hybrid Fund?

Bank of India Conservative Hybrid Fund is managed by Alok Singh at Bank of India.

How is Bank of India Conservative Hybrid Fund taxed?

Bank of India Conservative Hybrid Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.