Bank of India Conservative Hybrid Fund - Eco 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

: ₹ 35.9067 0.04%
(as on 07th November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 66.93 Cr

(3.34% of Investment in Category)

Expense Ratio

: 1.8%

(1.54% 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

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CRISIL Hybrid 85+15 - Conservative Index

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0.12%

1.23%

3.31%

5.58%

10.18%

9.14%

8.43%

NA
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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 07th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	31-Oct-25	9983.80	-0.16%	-	-0.23%	3/5
1 Month	07-Oct-25	10084.10	0.84%	-	0.12%	1/5
3 Month	07-Aug-25	10180.50	1.80%	-	1.23%	2/5
6 Month	07-May-25	10385.20	3.85%	-	3.31%	1/5
YTD	01-Jan-25	10461.00	4.61%	-	4.30%	2/5
1 Year	07-Nov-24	10455.10	4.55%	4.55%	5.58%	5/5
2 Year	07-Nov-23	11699.00	16.99%	8.15%	10.18%	5/5
3 Year	07-Nov-22	12512.60	25.13%	7.75%	9.47%	5/5
5 Year	06-Nov-20	16966.70	69.67%	11.14%	9.14%	1/5
10 Year	06-Nov-15	21171.50	111.72%	7.78%	8.06%	3/5
Since Inception	18-Mar-09	35906.70	259.07%	7.98%	8.43%	4/5

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 07th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	07-Nov-24	12000	12400.45	3.34 %	6.21 %
2 Year	07-Nov-23	24000	25464.92	6.1 %	5.79 %
3 Year	07-Nov-22	36000	40147.9	11.52 %	7.2 %
5 Year	06-Nov-20	60000	76141.39	26.9 %	9.45 %
10 Year	06-Nov-15	120000	186063.29	55.05 %	8.49 %

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% (May 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 31st October, 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

3.63vs3.17

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

1.17vs1.06

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

0.48vs1

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

0.01vs0.03

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

-2.02vs-0.28

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Baroda BNP Paribas Conservative Hybrid Fund - Direct Plan - Growth (Adjusted NAV)	NA	812.15	0.78	2.03	3.61	7.03	10.11
HSBC Conservative Hybrid Fund - Direct Plan - Growth (Adjusted NAV)	NA	156.57	-0.80	0.47	3.37	5.88	10.91
Baroda BNP Paribas Conservative Hybrid Fund - Regular Plan - Growth (Adjusted NAV)	NA	812.15	0.66	1.64	2.84	5.47	8.45
HSBC Conservative Hybrid Fund - Growth (Adjusted NAV)	NA	156.57	-0.88	0.23	2.90	4.96	10.12

Detailed Comparison

More Funds from Bank of India Mutual Fund

Out of 3 mutual fund schemes offered by this AMC, and 3 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Bank of India ELSS Tax Saver - Eco Plan - Growth	NA	1374.63	1.34	3.41	7.30	-4.93	16.22
Bank of India Large & Mid Cap Fund - Eco Plan - Growth	NA	414.09	1.58	4.77	9.63	1.44	16.42
Bank of India Conservative Hybrid Fund - Eco Plan - Growth	NA	66.93	0.84	1.80	3.85	4.55	7.75