Bank of India Conservative Hybrid Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Equity Holding : 22.72% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 22.72%

No of Stocks : 25 (Category Avg - 35.61) | Large Cap Investments : 9.81%| Mid Cap Investments : 4.37% | Small Cap Investments : 1.57% | Other : 6.97%

Portfolio Summary (as on 30th Sep,2025)

Particulars	This Scheme	Category
No. of Stocks	25	35.61
Top 5 Stock Weight	8.08%	7.72%
Top 10 Stock Weight	13.75%	11.6%
Top 3 Sector Weight	7.99%	8.12%

Category - Conservative Hybrid Fund

Particulars	This Scheme	Category
Average mcap (Cr)	18560.13	26411.03
Holdings in large cap stocks	9.81%	10.9%
Holdings in mid cap stocks	4.37%	2.13%
Holdings in small cap stocks	1.57%	1.8%

Category - Conservative Hybrid Fund

Top 10 Stocks holding in Portfolio (as on 30th Sep,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
Glenmark Pharmaceuticals Ltd.	Pharmaceuticals	13.7	2.04%	0.03%	2.27% (Jul 2025)	0% (Oct 2024)	7.00 k	0.00
ITC Limited	Diversified fmcg	11.2	1.68%	-0.03%	1.71% (Aug 2025)	0.72% (Jun 2025)	28.00 k	0.00
Siemens Energy India Ltd.	Power generation	10.8	1.62%	0.04%	1.62% (Sep 2025)	0% (Oct 2024)	3.15 k	0.00
NTPC Green Energy Ltd.	Power generation	9.2	1.38%	-0.08%	1.83% (Dec 2024)	0.85% (Nov 2024)	95.00 k	0.00
Ambuja Cements Ltd.	Cement & cement products	9.1	1.36%	0.02%	1.4% (Jul 2025)	0.29% (Feb 2025)	16.00 k	0.00
TD Power Systems Ltd.	Heavy electrical equipment	8.3	1.24%	0.19%	1.24% (Sep 2025)	0.68% (Feb 2025)	14.00 k	0.00
S.J.S. Enterprises Ltd.	Auto components & equipments	7.8	1.17%	0.13%	1.17% (Sep 2025)	0.59% (Mar 2025)	5.40 k	0.00
Tata Steel Ltd.	Iron & steel products	7.6	1.13%	0.32%	1.13% (Sep 2025)	0.68% (Jan 2025)	45.00 k	10.00 k
State Bank Of India	Public sector bank	7.4	1.11%	0.09%	1.6% (Mar 2025)	0.97% (Jun 2025)	8.50 k	0.00
National Thermal Power Corporation Ltd.	Power generation	6.8	1.02%	0.04%	1.23% (Oct 2024)	0.94% (Feb 2025)	20.00 k	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

View complete holding

Complete equity Portfolio (as on 30th Sep,2025)

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Sector
M-Cap

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Stock Invested in	Sector	Sector Total	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty	M-Cap	GroupName
Glenmark Pharmaceuticals Ltd.	Pharmaceuticals	2.04	13.7	2.04%	0.03%	2.27% (Jul 2025)	0% (Oct 2024)	7.00 k	0.00	Mid Cap	4.37
ITC Limited	Diversified fmcg	1.68	11.2	1.68%	-0.03%	1.71% (Aug 2025)	0.72% (Jun 2025)	28.00 k	0.00	Large Cap	9.81
Siemens Energy India Ltd.	Power generation	4.02	10.8	1.62%	0.04%	1.62% (Sep 2025)	0% (Oct 2024)	3.15 k	0.00	Other	6.97
NTPC Green Energy Ltd.	Power generation	4.02	9.2	1.38%	-0.08%	1.83% (Dec 2024)	0.85% (Nov 2024)	95.00 k	0.00	Other	6.97
Ambuja Cements Ltd.	Cement & cement products	1.36	9.1	1.36%	0.02%	1.4% (Jul 2025)	0.29% (Feb 2025)	16.00 k	0.00	Large Cap	9.81
TD Power Systems Ltd.	Heavy electrical equipment	1.73	8.3	1.24%	0.19%	1.24% (Sep 2025)	0.68% (Feb 2025)	14.00 k	0.00	Other	6.97
S.J.S. Enterprises Ltd.	Auto components & equipments	1.17	7.8	1.17%	0.13%	1.17% (Sep 2025)	0.59% (Mar 2025)	5.40 k	0.00	Other	6.97
Tata Steel Ltd.	Iron & steel products	1.93	7.6	1.13%	0.32%	1.13% (Sep 2025)	0.68% (Jan 2025)	45.00 k	10.00 k	Other	6.97
State Bank Of India	Public sector bank	1.11	7.4	1.11%	0.09%	1.6% (Mar 2025)	0.97% (Jun 2025)	8.50 k	0.00	Large Cap	9.81
National Thermal Power Corporation Ltd.	Power generation	4.02	6.8	1.02%	0.04%	1.23% (Oct 2024)	0.94% (Feb 2025)	20.00 k	0.00	Large Cap	9.81
# Britannia Industries Ltd.	Packaged foods	0.98	6.6	0.98%	0.98%	0.98% (Sep 2025)	0% (Oct 2024)	1.10 k	1.10 k	Large Cap	9.81
Bharat Electronics Ltd.	Aerospace & defense	0.97	6.5	0.97%	0.09%	0.97% (Jun 2025)	0.19% (Nov 2024)	15.99 k	0.00	Mid Cap	4.37
Power Grid Corporation of India Ltd.	Power - transmission	0.96	6.5	0.96%	0.02%	1.15% (Dec 2024)	0.9% (Nov 2024)	23.00 k	0.00	Large Cap	9.81
CreditAccess Grameen Ltd.	Microfinance institutions	0.95	6.3	0.95%	-0.03%	0.98% (Aug 2025)	0.53% (Feb 2025)	4.68 k	0.00	Small Cap	1.57
Adani Ports And Special Economic Zone Ltd.	Port & port services	0.81	5.4	0.81%	0.17%	0.81% (Sep 2025)	0% (Oct 2024)	3.85 k	600.00	Large Cap	9.81
Steel Authority Of India Ltd.	Iron & steel products	1.93	5.4	0.80%	0.31%	0.8% (Sep 2025)	0.47% (Mar 2025)	40.00 k	12.00 k	Mid Cap	4.37
- Bharti Airtel Ltd.	Telecom - cellular & fixed line services	0.59	3.9	0.59%	0.00%	0.61% (Jun 2025)	0.52% (Feb 2025)	2.10 k	0.00	Large Cap	9.81
Rural Electrification Corporation Limited	Financial institution	0.56	3.7	0.56%	0.04%	0.83% (Mar 2025)	0.25% (Oct 2024)	10.00 k	0.00	Mid Cap	4.37
ICICI Bank Ltd.	Private sector bank	0.5	3.4	0.50%	-0.02%	1.06% (Mar 2025)	0.5% (Sep 2025)	2.50 k	0.00	Large Cap	9.81
Siemens Ltd.	Heavy electrical equipment	1.73	3.3	0.49%	0.01%	0.89% (Dec 2024)	0.44% (Apr 2025)	1.05 k	0.00	Large Cap	9.81
Sky Gold Ltd.	Gems, jewellery and watches	0.43	2.9	0.43%	-0.04%	0.62% (May 2025)	0% (Oct 2024)	11.00 k	0.00	Small Cap	1.57
Reliance Industries Ltd.	Refineries & marketing	0.31	2.1	0.31%	0.01%	2.18% (Oct 2024)	0.27% (Apr 2025)	1.50 k	0.00	Large Cap	9.81
Zaggle Prepaid Ocean Service Pvt Ltd.	It enabled services	0.24	1.6	0.24%	-0.03%	0.58% (Dec 2024)	0.22% (Apr 2025)	4.63 k	0.00	Other	6.97
Laxmi Dental Ltd.	Medical equipment & supplies	0.19	1.3	0.19%	-0.01%	0.27% (Jul 2025)	0.07% (Feb 2025)	4.00 k	0.00	Other	6.97
Triveni Engineering & Industries Ltd.	Sugar	0.19	1.3	0.19%	-0.01%	0.31% (Dec 2024)	0.19% (Aug 2025)	3.80 k	0.00	Small Cap	1.57
Bond - Au Small Finance Bank Ltd.	Other bank		49.8	0.00%	-7.41%	-	-	-	-	Other	6.97
PNB Housing Finance Ltd.	Housing finance company		4.1	0.00%	-0.60%	-	-	-	-	Mid Cap	4.37
Coforge Ltd.	Computers - software & consulting		13.4	0.00%	-2.00%	-	-	-	-	Other	6.97

- indicates change in weight in the portfolio. # indicates a new entry.

New Stocks added in Portfolio (in 1 month period ending 30th Sep,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# Bond - Manappuram Finance Ltd.	Non banking financial company (nbfc)	20.2	3.02%	3.02%	0% (Nov 2025)	0% (Nov 2025)	2.00 L	200000
# Britannia Industries Ltd.	Packaged foods	6.6	0.98%	0.98%	0.98% (Sep 2025)	0% (Oct 2024)	1.10 k	1100
# Bond - 360 One Prime Ltd.	Non banking financial company (nbfc)	20.1	3.00%	3.00%	0% (Nov 2025)	0% (Nov 2025)	2.00 L	200000

Stocks removed from Portfolio (in 1 month period ending 30th Sep,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	1M Change in Qty
Bond - Au Small Finance Bank Ltd.	Other bank	49.8	0.00%	-7.41%	0% (Nov 2025)	0% (Nov 2025)	-500000
PNB Housing Finance Ltd.	Housing finance company	4.1	0.00%	-0.60%	0.9% (Jul 2025)	0.31% (Oct 2024)	-5379
Coforge Ltd.	Computers - software & consulting	13.4	0.00%	-2.00%	2.15% (Dec 2024)	1.19% (Oct 2024)	-7775

Trend in stock holdings (Top 15 Holding)

Stock	Sep 2025	Aug 2025	Jul 2025	Jun 2025	May 2025	Apr 2025	Mar 2025	Feb 2025	Jan 2025	Dec 2024	Nov 2024	Oct 2024	Sep 2024
Glenmark Pharmaceuticals Ltd.	2.04%	2.01%	2.20%	-	-	-	-	-	-	-	-	-	-
Coforge Ltd.	-	2.00%	2.00%	2.15%	1.91%	1.67%	1.90%	1.81%	1.85%	2.15%	1.63%	1.19%	1.09%
Siemens Energy India Ltd.	1.62%	1.58%	1.50%	1.35%	-	-	-	-	-	-	-	-	-
NTPC Green Energy Ltd.	1.38%	1.46%	1.46%	1.43%	1.52%	1.40%	1.44%	1.31%	1.67%	1.83%	0.85%	-	-
State Bank Of India	1.11%	1.02%	1.00%	1.00%	1.40%	1.39%	1.39%	1.30%	1.42%	1.45%	1.52%	1.23%	1.18%
National Thermal Power Corporation Ltd.	1.02%	0.98%	0.99%	0.96%	0.96%	1.04%	1.08%	0.98%	0.99%	1.01%	1.10%	1.23%	1.33%
ITC Limited	1.68%	1.71%	1.70%	0.96%	0.72%	0.75%	0.74%	0.75%	0.82%	0.88%	0.87%	0.88%	0.93%
Infosys Ltd.	-	-	-	-	-	-	0.59%	1.07%	1.15%	1.14%	-	-	-
Britannia Industries Ltd.	0.98%	-	-	-	-	-	-	-	-	-	-	-	-
Power Grid Corporation of India Ltd.	0.96%	0.94%	0.99%	0.99%	0.96%	1.04%	1.00%	0.91%	1.06%	1.08%	0.95%	0.92%	0.88%
TD Power Systems Ltd.	1.24%	1.05%	1.05%	1.01%	1.05%	0.89%	0.86%	0.68%	0.79%	0.96%	0.92%	0.87%	0.88%
ICICI Bank Ltd.	0.50%	0.52%	0.55%	0.52%	0.83%	1.05%	1.06%	1.00%	1.01%	1.02%	1.03%	1.02%	1.00%
Reliance Industries Ltd.	0.31%	0.30%	0.31%	0.32%	0.31%	0.31%	0.29%	0.28%	-	-	2.13%	2.18%	2.41%
Ambuja Cements Ltd.	1.36%	1.34%	1.40%	1.33%	1.27%	1.27%	0.72%	0.29%	0.31%	0.33%	0.32%	0.35%	0.38%
Tata Steel Ltd.	1.13%	0.81%	0.82%	0.80%	0.81%	0.72%	0.81%	0.76%	0.72%	0.73%	0.77%	0.78%	0.88%

No of Debt Holding 15 (Category Avg - 41.89) | Modified Duration 2.83 Years (Category Avg - 4.37)| Yield to Maturity 6.68% (Category Avg - 7.05%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	20.96%	36.13%
CD	0.00%	0.59%
T-Bills	1.47%	0.12%
CP	0.00%	0.13%
NCD & Bonds	41.81%	33.98%
PTC	0.00%	0.99%

Category - Conservative Hybrid Fund

Security Type	% Weight	Category Average
Government Backed	22.43%	36.25%
Low Risk	41.81%	33.84%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Conservative Hybrid Fund

Debt holding in Portfolio (as on 30th Sep,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			51.67	7.72%	5.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	51.16	7.64%	5.00 L
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	51.13	7.64%	5.00 L
Bond - Govt of India	GOI	Other			46.35	6.93%	4.59 L
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	30.47	4.55%	3.00 L
Bond - Govt of India	GOI	Other			27.48	4.11%	2.66 L
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	25.45	3.80%	2.50 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	20.44	3.05%	2.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	20.38	3.04%	2.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	20.38	3.04%	2.00 L
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	20.30	3.03%	2.00 L
Bond - Manappuram Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA	CRISIL	20.22	3.02%	2.00 L
Bond - 360 One Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA	ICRA	20.08	3.00%	2.00 L
Bond - Govt of India	GOI	Other			14.74	2.20%	1.50 L
Bond - T-Bill	T-Bills	Other			9.84	1.47%	1.00 L