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.

Category : Conservative Hybrid Fund

Fund House : Bank of India Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 37.2373 0.15%
(as on 31st October, 2025)

Crisil Rating

Relatively weak performance among peers

Fund Size

: ₹ 66.93 Cr

(0.23% of Investment in Category)

Expense Ratio

: 1.24%

(0.92% Category average)

Risk-O-Meter

Moderately High Risk

Conservative Hybrid Fund :Conservative Hybrid Fund : The fund has 22.72% investment in domestic equities of which 9.81% is in Large Cap stocks, 4.37% is in Mid Cap stocks, 1.57% in Small Cap stocks.The fund has 64.24% investment in Debt, of which 22.43% in Government securities, 41.81% is in Low Risk securities.

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This Scheme

VS

CRISIL Hybrid 85+15 - Conservative Index

1.25%

1.33%

2.73%

7.23%

10.19%

8.07%

9.24%
NA
1.32%

1.48%

3.41%

6.92%

10.99%

10.17%

9.35%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 31st October, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	24-Oct-25	10063.80	0.64%	-	0.04%	1/18
1 Month	30-Sep-25	10153.20	1.53%	-	1.32%	5/18
3 Month	31-Jul-25	10167.30	1.67%	-	1.48%	7/18
6 Month	30-Apr-25	10444.40	4.44%	-	3.41%	5/18
YTD	01-Jan-25	10525.80	5.26%	-	6.23%	15/18
1 Year	31-Oct-24	10543.70	5.44%	5.44%	6.92%	17/18
2 Year	31-Oct-23	11923.40	19.23%	9.18%	10.99%	16/18
3 Year	31-Oct-22	12752.90	27.53%	8.44%	10.05%	16/18
5 Year	29-Oct-20	17481.00	74.81%	11.80%	10.17%	3/17
10 Year	30-Oct-15	21975.00	119.75%	8.18%	8.70%	12/17
Since Inception	14-Jan-13	28657.50	186.57%	8.57%	9.35%	14/18

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 31st October, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	31-Oct-24	12000	12485.02	4.04 %	7.54 %
2 Year	31-Oct-23	24000	25699.86	7.08 %	6.71 %
3 Year	31-Oct-22	36000	40594.35	12.76 %	7.94 %
5 Year	29-Oct-20	60000	77328.33	28.88 %	10.07 %
10 Year	30-Oct-15	120000	190673.2	58.89 %	8.95 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Any profit will be clubbed with your income and taxed at your effective tax rate.

Portfolio (Updated on 30th Sep,2025)

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%

Top 10 Stocks in Portfolio

How to read this table?

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.

Detailed Portfolio Analysis

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%)

Type of Holdings

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%

Investment / Portfolio Grades

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%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	10.23%
Net Receivables	Net Receivables	2.81%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th September, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

3.26vs2.82

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

0.96vs0.85

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.52vs1.1

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.02vs0.04

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-1.21vs0.46

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Nippon India Conservative Hybrid Fund - Direct Plan - Growth	4	902.02	1.33	2.64	5.27	9.84	9.96
ICICI Prudential Regular Savings Fund - Direct Plan - Growth	3	3264.25	1.21	2.03	4.92	8.77	11.10
Aditya Birla Sun Life Regular Savings Fund- Direct Plan - Growth	3	1539.01	1.57	2.05	4.92	8.76	10.31
Parag Parikh Conservative Hybrid Fund - Direct Plan - Growth	5	3028.40	0.90	1.63	3.52	7.71	12.06
Baroda BNP Paribas Conservative Hybrid Fund - Direct Plan - Growth	2	812.15	1.73	1.80	3.78	7.37	10.15
Franklin India Conservative Hybrid Fund - Direct - Growth	2	202.93	1.32	1.00	3.45	7.31	10.33
DSP Regular Savings Fund - Direct Plan - Growth	5	178.08	1.09	1.11	2.81	7.20	10.72
Axis Conservative Hybrid Fund - Direct Plan - Growth	2	270.65	1.43	1.22	2.47	7.08	8.71
HSBC Conservative Hybrid Fund - Direct Plan - Growth	4	156.57	0.57	0.92	4.19	6.86	11.34
SBI Conservative Hybrid Fund - Direct Plan - Growth	1	9858.75	1.48	1.99	4.64	6.85	10.68

Detailed Comparison

More Funds from Bank of India Mutual Fund

Out of 23 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 2 is/are ranked 4 * , 4 is/are ranked 3 * , 2 is/are ranked 2 * , 4 is/are ranked 1 * , and 10 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Bank of India Flexi Cap Fund - Direct Plan - Growth	3	2164.81	4.62	5.98	15.14	3.08	24.19
Bank of India Small Cap Fund - Direct Plan - Growth	3	1925.38	3.99	0.51	12.54	-2.80	22.24
Bank of India ELSS Tax Saver - Direct Plan - Growth	1	1374.63	3.49	2.43	8.68	-2.34	18.17
Bank of India Liquid Fund - Direct Plan - Growth	4	1360.19	0.49	1.45	3.05	6.79	7.10
Bank of India Mid & Small Cap Equity & Debt Fund - Direct Plan - Growth	3	1280.28	2.66	1.18	9.80	2.39	20.56
Bank of India Multicap Fund - Direct Plan - Growth	NA	909.49	5.51	5.10	12.93	5.98	0.00
Bank of India Mid Cap Fund - Direct Plan - Growth	NA	667.76	2.43	0.00	0.00	0.00	0.00
Bank of India Manufacturing & Infrastructure Fund - Direct Plan - Growth	5	620.50	5.25	5.22	17.33	6.72	27.13
Bank of India Business Cycle Fund - Direct Plan - Growth	NA	551.19	3.46	3.34	10.24	-4.20	0.00
Bank of India Large & Mid Cap Fund - Direct Plan - Growth	2	414.09	4.96	4.54	9.98	3.85	18.00