Bank of India Conservative Hybrid Fund - Regular 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 : 23.41% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 23.41%

No of Stocks : 26 (Category Avg - 35.78) | Large Cap Investments : 10.8%| Mid Cap Investments : 4.17% | Small Cap Investments : 1.64% | Other : 6.8%

Portfolio Summary (as on 30th Nov,2025)

Particulars	This Scheme	Category
No. of Stocks	26	35.78
Top 5 Stock Weight	8.29%	8.02%
Top 10 Stock Weight	13.75%	12.04%
Top 3 Sector Weight	7.76%	8.41%

Category - Conservative Hybrid Fund

Particulars	This Scheme	Category
Average mcap (Cr)	24340.60	27983.1
Holdings in large cap stocks	10.8%	11.34%
Holdings in mid cap stocks	4.17%	2.11%
Holdings in small cap stocks	1.64%	1.86%

Category - Conservative Hybrid Fund

Top 10 Stocks holding in Portfolio (as on 30th Nov,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	13.6	2.07%	0.00%	2.27% (Jul 2025)	0% (Nov 2024)	7.00 k	0.00
# ITC Limited	Diversified fmcg	11.3	1.72%	0.00%	1.79% (Oct 2025)	0.72% (May 2025)	28.00 k	0.00
# TD Power Systems Ltd.	Heavy electrical equipment	10.9	1.65%	0.00%	1.65% (Oct 2025)	0.68% (Feb 2025)	14.00 k	0.00
# Siemens Energy India Ltd.	Power generation	10	1.51%	0.00%	1.62% (Sep 2025)	0% (Nov 2024)	3.15 k	0.00
# Ambuja Cements Ltd.	Cement & cement products	8.8	1.34%	0.00%	1.4% (Jul 2025)	0.29% (Feb 2025)	16.00 k	0.00
# State Bank Of India	Public sector bank	8.3	1.27%	0.00%	1.6% (Mar 2025)	0.97% (Jun 2025)	8.50 k	0.00
# Tata Steel Ltd.	Iron & steel products	7.6	1.15%	0.00%	1.25% (Oct 2025)	0.68% (Jan 2025)	45.00 k	0.00
# S.J.S. Enterprises Ltd.	Auto components & equipments	6.8	1.03%	0.00%	1.33% (Oct 2025)	0.59% (Mar 2025)	4.00 k	-1.40 k
# NTPC Green Energy Ltd.	Power generation	6.7	1.01%	0.00%	1.83% (Dec 2024)	0.85% (Nov 2024)	70.00 k	-0.25 L
# Bharat Electronics Ltd.	Aerospace & defense	6.6	1.00%	0.00%	1.04% (Oct 2025)	0.2% (Dec 2024)	15.99 k	0.00

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

View complete holding

Complete equity Portfolio (as on 30th Nov,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	2.07	13.6	2.07%	0.00%	2.27% (Jul 2025)	0% (Nov 2024)	7.00 k	0.00	Mid Cap	4.17
# ITC Limited	Diversified fmcg	1.72	11.3	1.72%	0.00%	1.79% (Oct 2025)	0.72% (May 2025)	28.00 k	0.00	Large Cap	10.8
# TD Power Systems Ltd.	Heavy electrical equipment	2.18	10.9	1.65%	0.00%	1.65% (Oct 2025)	0.68% (Feb 2025)	14.00 k	0.00	Other	6.8
# Siemens Energy India Ltd.	Power generation	3.51	10	1.51%	0.00%	1.62% (Sep 2025)	0% (Nov 2024)	3.15 k	0.00	Other	6.8
# Ambuja Cements Ltd.	Cement & cement products	1.34	8.8	1.34%	0.00%	1.4% (Jul 2025)	0.29% (Feb 2025)	16.00 k	0.00	Large Cap	10.8
# State Bank Of India	Public sector bank	1.27	8.3	1.27%	0.00%	1.6% (Mar 2025)	0.97% (Jun 2025)	8.50 k	0.00	Large Cap	10.8
# Tata Steel Ltd.	Iron & steel products	1.97	7.6	1.15%	0.00%	1.25% (Oct 2025)	0.68% (Jan 2025)	45.00 k	0.00	Other	6.8
# S.J.S. Enterprises Ltd.	Auto components & equipments	1.03	6.8	1.03%	0.00%	1.33% (Oct 2025)	0.59% (Mar 2025)	4.00 k	-1.40 k	Other	6.8
# NTPC Green Energy Ltd.	Power generation	3.51	6.7	1.01%	0.00%	1.83% (Dec 2024)	0.85% (Nov 2024)	70.00 k	-0.25 L	Other	6.8
# Bharat Electronics Ltd.	Aerospace & defense	1	6.6	1.00%	0.00%	1.04% (Oct 2025)	0.2% (Dec 2024)	15.99 k	0.00	Mid Cap	4.17
# National Thermal Power Corporation Ltd.	Power generation	3.51	6.5	0.99%	0.00%	1.1% (Nov 2024)	0.94% (Feb 2025)	20.00 k	0.00	Large Cap	10.8
# Power Grid Corporation of India Ltd.	Power - transmission	0.94	6.2	0.94%	0.00%	1.15% (Dec 2024)	0.91% (Feb 2025)	23.00 k	0.00	Large Cap	10.8
# Adani Ports And Special Economic Zone Ltd.	Port & port services	0.89	5.8	0.89%	0.00%	0.85% (Oct 2025)	0.49% (Apr 2025)	3.85 k	0.00	Large Cap	10.8
# CreditAccess Grameen Ltd.	Microfinance institutions	0.88	5.8	0.88%	0.00%	0.99% (Oct 2025)	0.53% (Feb 2025)	4.33 k	-0.24 k	Small Cap	1.64
# ICICI Bank Ltd.	Private sector bank	1.32	5.6	0.84%	0.00%	1.06% (Mar 2025)	0.5% (Sep 2025)	4.00 k	0.00	Large Cap	10.8
# Steel Authority Of India Ltd.	Iron & steel products	1.97	5.4	0.82%	0.00%	0.83% (Oct 2025)	0.47% (Apr 2025)	40.00 k	0.00	Mid Cap	4.17
# Reliance Industries Ltd.	Refineries & marketing	0.69	4.6	0.69%	0.00%	2.13% (Nov 2024)	0.27% (Apr 2025)	2.90 k	1.40 k	Large Cap	10.8
# Bharti Airtel Ltd.	Telecom - cellular & fixed line services	0.67	4.4	0.67%	0.00%	0.66% (Oct 2025)	0.52% (Feb 2025)	2.10 k	0.00	Large Cap	10.8
# Sky Gold Ltd.	Gems, jewellery and watches	0.55	3.6	0.55%	0.00%	0.62% (May 2025)	0.43% (Sep 2025)	11.00 k	0.00	Small Cap	1.64
# Siemens Ltd.	Heavy electrical equipment	2.18	3.5	0.53%	0.00%	0.89% (Dec 2024)	0.44% (Apr 2025)	1.05 k	0.00	Large Cap	10.8
# Kotak Mahindra Bank Ltd.	Private sector bank	1.32	3.2	0.48%	0.00%	0.53% (Nov 2024)	0% (Nov 2024)	1.50 k	0.00	Large Cap	10.8
# Asian Paints (india) Ltd.	Paints	0.44	2.9	0.44%	0.44%	0% (Dec 2025)	0% (Dec 2025)	1.00 k	1.00 k	Large Cap	10.8
# MRF Ltd.	Tyres & rubber products	0.28	1.8	0.28%	0.28%	0% (Dec 2025)	0% (Dec 2025)	12.00	12.00	Mid Cap	4.17
# Zaggle Prepaid Ocean Service Pvt Ltd.	It enabled services	0.28	1.8	0.28%	0.00%	0.58% (Jan 2025)	0.22% (Apr 2025)	4.63 k	0.00	Other	6.8
# Triveni Engineering & Industries Ltd.	Sugar	0.21	1.4	0.21%	0.00%	0.31% (Dec 2024)	0.19% (Aug 2025)	3.80 k	0.00	Small Cap	1.64
# Laxmi Dental Ltd.	Medical equipment & supplies	0.17	1.1	0.17%	0.00%	0.27% (Jul 2025)	0.07% (Feb 2025)	4.00 k	0.00	Other	6.8
Britannia Industries Ltd.	Packaged foods		6.4	0.00%	-0.98%	-	-	-	-	Large Cap	10.8

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

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

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# MRF Ltd.	Tyres & rubber products	1.8	0.28%	0.28%	0% (Dec 2025)	0% (Dec 2025)	12.00	12
# Asian Paints (india) Ltd.	Paints	2.9	0.44%	0.44%	0% (Dec 2025)	0% (Dec 2025)	1.00 k	1000

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

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
Britannia Industries Ltd.	Packaged foods	6.4	0.00%	-0.98%	0.98% (Sep 2025)	0% (Nov 2024)	0.00	-1100

Trend in stock holdings (Top 15 Holding)

Stock	Nov 2025	Oct 2025	Sep 2025	Aug 2025	Jul 2025	Jun 2025	May 2025	Apr 2025	Mar 2025	Feb 2025	Jan 2025	Dec 2024	Nov 2024
Glenmark Pharmaceuticals Ltd.	2.07%	2.02%	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%
Siemens Energy India Ltd.	1.51%	1.53%	1.62%	1.58%	1.50%	1.35%	-	-	-	-	-	-	-
NTPC Green Energy Ltd.	1.01%	1.49%	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	1.27%	1.21%	1.11%	1.02%	1.00%	1.00%	1.40%	1.39%	1.39%	1.30%	1.42%	1.45%	1.52%
ITC Limited	1.72%	1.79%	1.68%	1.71%	1.70%	0.96%	0.72%	0.75%	0.74%	0.75%	0.82%	0.88%	0.87%
TD Power Systems Ltd.	1.65%	1.65%	1.24%	1.05%	1.05%	1.01%	1.05%	0.89%	0.86%	0.68%	0.79%	0.96%	0.92%
National Thermal Power Corporation Ltd.	0.99%	1.03%	1.02%	0.98%	0.99%	0.96%	0.96%	1.04%	1.08%	0.98%	0.99%	1.01%	1.10%
Infosys Ltd.	-	-	-	-	-	-	-	-	0.59%	1.07%	1.15%	1.14%	-
Power Grid Corporation of India Ltd.	0.94%	1.01%	0.96%	0.94%	0.99%	0.99%	0.96%	1.04%	1.00%	0.91%	1.06%	1.08%	0.95%
Britannia Industries Ltd.	-	0.98%	0.98%	-	-	-	-	-	-	-	-	-	-
Ambuja Cements Ltd.	1.34%	1.38%	1.36%	1.34%	1.40%	1.33%	1.27%	1.27%	0.72%	0.29%	0.31%	0.33%	0.32%
Tata Steel Ltd.	1.15%	1.25%	1.13%	0.81%	0.82%	0.80%	0.81%	0.72%	0.81%	0.76%	0.72%	0.73%	0.77%
S.J.S. Enterprises Ltd.	1.03%	1.33%	1.17%	1.04%	0.83%	0.85%	0.73%	0.63%	0.63%	0.62%	0.70%	0.81%	0.87%
ICICI Bank Ltd.	0.84%	0.82%	0.50%	0.52%	0.55%	0.52%	0.83%	1.05%	1.06%	1.00%	1.01%	1.02%	1.03%

No of Debt Holding 14 (Category Avg - 40.78) | Modified Duration 3.00 Years (Category Avg - 4.39)| Yield to Maturity 6.64% (Category Avg - 7.00%)

Portfolio Summary (as on 30th Nov,2025)

Security Type	% Weight	Category Average
GOI	17.64%	34.53%
CD	0.00%	0.52%
T-Bills	1.51%	0.12%
NCD & Bonds	42.69%	33.00%
PTC	0.00%	1.02%

Category - Conservative Hybrid Fund

Security Type	% Weight	Category Average
Government Backed	19.15%	34.65%
Low Risk	42.69%	32.78%
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 Nov,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			51.78	7.87%	5.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	51.37	7.81%	5.00 L
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	51.25	7.79%	5.00 L
Bond - Govt of India	GOI	Other			39.30	5.98%	3.99 L
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	30.63	4.66%	3.00 L
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	25.53	3.88%	2.50 L
Bond - Govt of India	GOI	Other			24.96	3.79%	2.50 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	20.52	3.12%	2.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	20.46	3.11%	2.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	20.45	3.11%	2.00 L
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	20.30	3.09%	2.00 L
Bond - Manappuram Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA	CRISIL	20.20	3.07%	2.00 L
Bond - 360 One Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA	ICRA	20.05	3.05%	2.00 L
Bond - T-Bill	T-Bills	Other			9.93	1.51%	1.00 L