BANK OF INDIA Conservative Hybrid Fund-Regular Plan-Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 96% of 3-year investment horizons.
- Over 18 years of operational history across different market cycles.
- Expense ratio (2.27%) is higher than category median (1.89%), which creates fee drag over time.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +1.94% | +1.94% | 0.00% |
| 3 Months | +0.62% | +0.03% | +0.59% |
| 6 Months | +1.69% | +2.40% | -0.71% |
| 1 Year | +2.27% | +2.66% | -0.39% |
| 3 Years CAGR | +5.92% | +6.99% | -1.07% |
| 5 Years CAGR | +8.94% | +6.45% | +2.49% |
| 7 Years CAGR | +9.40% | +7.69% | +1.71% |
| 10 Years CAGR | +6.77% | +6.77% | 0.00% |
| Since Inception | +7.44% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in BANK OF INDIA Conservative Hybrid Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +2.59% | +2.59% | 0.00% |
| 2025 | +4.23% | +6.07% | -1.84% |
| 2024 | +7.00% | +10.16% | -3.16% |
| 2023 | +10.90% | +10.90% | 0.00% |
| 2022 | +21.48% | +3.04% | +18.44% |
| 2021 | +8.45% | +9.98% | -1.53% |
| 2020 | +11.38% | +10.19% | +1.19% |
| 2019 | -7.33% | +6.88% | -14.21% |
| 2018 | -2.46% | +0.32% | -2.78% |
| 2017 | +14.35% | +10.97% | +3.38% |
| 2016 | +8.73% | +9.05% | -0.32% |
| 2015 | +7.12% | +6.27% | +0.85% |
| 2014 | +15.75% | +20.04% | -4.29% |
| 2013 | +5.29% | +5.37% | -0.08% |
| 2012 | +12.26% | +15.25% | -2.99% |
| 2011 | +1.82% | -0.32% | +2.14% |
| 2010 | +1.33% | +7.00% | -5.67% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -14.64% | +7.44% | +7.73% | +28.48% | 89.2% | - |
| 3-Year Rolling | -2.03% | +7.86% | +8.45% | +15.92% | 95.8% | - |
| 5-Year Rolling | +2.04% | +7.87% | +8.30% | +12.94% | 100.0% | - |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2018-01-15 | 2020-03-23 | -16.2% | 26 months | 10 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Money market securities and debt securities including government securities, corporate debt, securitized debt, and other debt instruments - 75% to 90% Equity and equity related securities - 10% to 25% Residual Portion: Units issued by INVITs - 00% to 10% ETCDs, Gold ETFs and Silver ETFs. and mutual fund units - 00% to 15% | Per Scheme Mandate |
Investment Objective & Strategy
The Scheme seeks to generate income through investments in fixed income securities and also to generate long term capital appreciation by investing a portion in equity and equity related instruments. However, there is no assurance that the investment objective of the scheme will be achieved.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 70.3 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as small relative to Conservative Hybrid schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Non-equity oriented schemes (e.g. Conservative Hybrid): Capital gains are added to taxable income and taxed at your applicable income tax slab rates regardless of the holding period.
Closest Conservative Hybrid Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Axis Conservative Hybrid Fund | 3.5 | +5.94% | 2.15% | - | Rs 217 cr | Compare → |
| LIC MF Conservative Hybrid Fund | 2.2 | +5.75% | 2.22% | - | Rs 45.8 cr | Compare → |
| BANDHAN Conservative Hybrid Fund | 4.1 | +6.77% | 1.94% | - | Rs 85.2 cr | Compare → |
| Sundaram Conservative Hybrid Fund Formerly Known as Sundaram Debt Oriented Hybrid Fund | 2.2 | +4.82% | 1.86% | - | Rs 20.0 cr | Compare → |
| CANARA ROBECO CONSERVATIVE HYBRID FUND | 3.7 | +6.84% | 1.89% | - | Rs 817 cr | Compare → |
Frequently Asked Questions about BANK OF INDIA Conservative Hybrid Fund
What is the expense ratio of BANK OF INDIA Conservative Hybrid Fund?
BANK OF INDIA Conservative Hybrid Fund has a total expense ratio (TER) of 2.27% with a base expense ratio of 1.85%, compared to the Conservative Hybrid category median of 1.89%.
Who manages BANK OF INDIA Conservative Hybrid Fund?
BANK OF INDIA Conservative Hybrid Fund is managed by Alok Singh (tenure: 14.5 years since 2012-05-21).
What are the historical returns of BANK OF INDIA Conservative Hybrid Fund?
BANK OF INDIA Conservative Hybrid Fund delivered a 3-year CAGR of 5.92% and a 5-year CAGR of 8.94%. Its 1-year return stands at +2.27%.
How large is BANK OF INDIA Conservative Hybrid Fund?
BANK OF INDIA Conservative Hybrid Fund manages assets of Rs 70.3 cr, placing it in the 'small' size band relative to Conservative Hybrid peers.
How is BANK OF INDIA Conservative Hybrid Fund scored on MFIQ?
BANK OF INDIA Conservative Hybrid Fund holds an MFIQ Score of 2.5/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is BANK OF INDIA Conservative Hybrid Fund?
BANK OF INDIA Conservative Hybrid Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 3.95% with a maximum historical drawdown of -16.22%.