Bandhan Conservative Hybrid Fund Regular Growth NAV today
AMFI: 112353ISIN: INF194K01RW9MUTF_IN: BAND_CNSR_HYB_YCOF7EBandhan Mutual FundConservative Hybrid funds
Formerly Bandhan Regular Savings Fund, IDFC Regular Savings Fund
NAV ₹32.5391up ₹0.07 (0.21%)
NAV for 23 Oct 2026, against 22 Oct 2026. Declared once a day.
- Fund sizeAssets under management. The money the fund manages for all its investors, across every plan, at the end of the month.
- ₹85 CrSep 2026
- Expense ratioTotal expense ratio. What the fund charges each year as a share of the money invested, taken out of the NAV every day, so the returns shown are already after it.
- 1.96%14 Oct 2026
- P/EP/E. What the fund pays for each rupee of yearly profit its companies earn: the total value of its shares divided by those companies' last four quarters of profit, each in proportion to what the fund holds. The profit leaves out one-off items (exceptional items and businesses sold or demerged), so one company's one-off gain cannot make the fund look cheap. A loss-making company lowers the profit. Shown when at least 80% of the fund's shares are counted.
- 22.630 Sep 2026
- Risk levelRiskometer. The fund's own risk label on SEBI's six-step scale, from Low to Very High, set from what the fund holds and reviewed every month.
- Moderately HighAug 2026
- HoldingsHoldings. The number of different securities in the fund's latest monthly portfolio: shares, bonds, money market paper and units of other funds, not cash, overnight lending or futures.
- 2230 Sep 2026
- LaunchedLaunch date. The day the fund first allotted units to investors, at the close of its new fund offer.
- 25 Feb 2010
Bandhan Conservative Hybrid Fund returns
Regular Growth plan
Over each window to 23 Oct 2026
| Over | ReturnTrailing return. The change in NAV from the start date to the latest NAV; over a year and longer, the yearly rate that would compound to the same change (CAGR). | BenchmarkBenchmark. The index the fund house chose to measure the fund against, in its total return form, with dividends added back. | Rank in categoryRank in category. The fund's place among the funds of its category with a return over the same window, highest return first. | Category medianCategory median. The middle return of the funds in the category over the same window: half returned more, half less. | Middle halfMiddle half of the category. The returns of the fund a quarter of the way down the category and the fund a quarter of the way up, over the same window: half the category's funds returned between the two. |
|---|---|---|---|---|---|
| 1 week | −0.42% | – | – | – | – |
| 1 month | −1.08% | – | 2 of 18 | −1.93% | −2.2% to −1.6% |
| 3 months | −0.69% | – | 2 of 18 | −1.92% | −2.1% to −1.4% |
| 6 months | +0.45% | – | 2 of 18 | −0.34% | −0.9% to 0.0% |
| 1 year | +0.23% | +2.78%to 30 Sep 2026 | 7 of 18 | −0.31% | −1.3% to +0.5% |
| 3 years | +6.00% | +7.03%to 30 Sep 2026 | 13 of 18 | +6.61% | +6.0% to +7.4% |
| 5 years | +4.47% | +6.19%to 30 Sep 2026 | 15 of 18 | +6.10% | +5.3% to +6.8% |
| 10 years | +5.59% | +7.78%to 30 Sep 2026 | 14 of 17 | +6.36% | +5.8% to +7.0% |
₹10,000 put in on 26 Feb 2010 is ₹32,452 at the NAV of 23 Oct 2026Growth of ₹10,000. What ₹10,000 put in at the NAV of the first day would be worth at the latest NAV, after the fund's expenses and before tax and any exit load.Over a year and longer, a return is the yearly rate. Benchmark: CRISIL Hybrid 85+15 - Conservative Index, over the same days as the fund, or to the month end its cell names. Rank, median and middle half among the Regular plans of Conservative Hybrid funds, each fund's return to its latest NAV on or before 25 Oct 2026.
At the month end, 30 Sep 2026
| Over | FundTrailing return. The change in NAV from the start date to the latest NAV; over a year and longer, the yearly rate that would compound to the same change (CAGR). | BenchmarkBenchmark return. The change in the benchmark index's total return level over the same dates as the fund's return, as a yearly rate over a year and longer. |
|---|---|---|
| 1 year | +2.02% | +2.78% |
| 3 years | +5.99% | +7.03% |
| 5 years | +4.65% | +6.19% |
| 10 years | +5.77% | +7.78% |
| Since launch | +7.38% | +8.35% |
Benchmark: CRISIL Hybrid 85+15 - Conservative Index. Both as the fund house states them for the month.
Return in each calendar year
- Fund, Regular GrowthCalendar year return. The change in NAV from the last NAV of one year to the last NAV of the next.
Highest year to Dec 2014, +20.0%; lowest year to Dec 2022, +0.1%
Bandhan Conservative Hybrid Fund SIP returns
₹10,000 on the 1st of every month, valued at the NAV of 23 Oct 2026
| Period | InvestedAmount invested. ₹10,000 on the 1st of every month, or the next day the fund priced, added up over the period. | Value todayValue today. What the units bought by every instalment are worth at the latest NAV. | Invested against value today | SIP returnSIP return (XIRR). The yearly rate that, applied to each monthly instalment from the day it was invested, gives the value of all the units today. | After stamp dutySIP return after stamp duty. The same SIP return with stamp duty of 0.005% taken from every instalment since 1 Jul 2020, so ₹10,000 buys ₹9,999.50 of units. | Stamp dutyStamp duty paid. The stamp duty on all the instalments, in rupees: 0.005% of each purchase made since 1 Jul 2020. |
|---|---|---|---|---|---|---|
| 1 year12 instalments | ₹1,20,000 | ₹1,20,076₹1,20,070 after stamp duty | +0.12% | +0.11% | ₹6 | |
| 3 years36 instalments | ₹3,60,000 | ₹3,77,938₹3,77,919 after stamp duty | +3.23% | +3.23% | ₹18 | |
| 5 years60 instalments | ₹6,00,000 | ₹6,76,214₹6,76,180 after stamp duty | +4.77% | +4.77% | ₹30 | |
| 10 years120 instalments | ₹12,00,000 | ₹15,80,498₹15,80,454 after stamp duty | +5.40% | +5.40% | ₹38 | |
| Since Feb 2010200 instalments | ₹20,00,000 | ₹35,75,396₹35,75,351 after stamp duty | +6.60% | +6.60% | ₹38 |
Rolling returns
Per cent a year, every window from 26 Feb 2010 to 23 Oct 2026
Lowest to highestAverage
LowestLowest rolling return. The worst yearly return of any window of this length in the fund's history, one window starting on each day it priced.AverageAverage rolling return. The average of the yearly returns of every window of this length in the fund's history.HighestHighest rolling return. The best yearly return of any window of this length in the fund's history.Ended higherWindows that ended higher. The share of all the windows of this length in which the NAV ended above where it started.
1 year3,786 windows−4.1%+7.6%+23.6%96.2%
3 years3,306 windows+2.0%+7.8%+14.3%100.0%
5 years2,829 windows+4.4%+7.7%+11.9%100.0%
10 years1,622 windows+5.6%+7.6%+9.2%100.0%
Every 3, 5 and 10-year window ended higher than it started.
Bandhan Conservative Hybrid Fund expense ratio and exit load
Per cent of the money invested, a year. Each month shows its last day filed; the parts were redefined from Apr 2026.
- Regular over directDirect and regular plan cost gap. The regular plan's expense ratio less the direct plan's: what buying through a distributor costs each year, since both plans own the same portfolio.
- 1.07 ptsA year, on 14 Oct 2026
- Direct, 30-day averageExpense ratio, 30-day average. The total expense ratio averaged over the last 30 days the fund filed it, which evens out the day-to-day moves in brokerage and levies.
- 0.89%Over the last 30 days filed
- Regular, 30-day averageExpense ratio, 30-day average. The total expense ratio averaged over the last 30 days the fund filed it, which evens out the day-to-day moves in brokerage and levies.
- 1.97%Over the last 30 days filed
Total expense ratio, month by month
- Regular plan
- Direct plan
Direct plan highest 1.68%, Jan 2019.Direct plan at its lowest since Oct 2018 in the latest month.
What the expense ratio is made of
| Part | Direct | Regular |
|---|---|---|
| Base expense ratioBase expense ratio. The part of the expense ratio that pays the fund house and the distributor, before brokerage, transaction costs, levies and GST. | 0.74% | 1.67% |
| Brokerage | 0.01% | 0.01% |
| Transaction costs | None | None |
| Statutory levies | 0.14% | 0.28% |
Per cent of assets a year, filed for 14 Oct 2026. The parts add up to that day's total.
Exit load, in the fund house's words
Entry Load Nil. Exit load w.e.f 24-Aug-2017:(for each purchase including SIP/STP-in registered) - For 10% of Investment Nil. For remaining Investment: 1.00% if redeemed / Switched Out within 365 days from the date of allotment. Please refer the Scheme
Buying and selling
- Lump-sum purchases
- Accepted
- Minimum investmentMinimum investment. The smallest amount the plan accepts for a first purchase.
- ₹1,000
- Minimum top-up
- ₹1,000
- Minimum redemption
- ₹500
- SIP
- Accepted
- SIP minimum
- ₹100
- SIP instalments, at least
- 6
- STP, transfers to another fund
- Not accepted
- SWP, regular withdrawals
- Accepted
- Switches
- Accepted
- Lock-inLock-in. The time after each purchase during which those units cannot be sold.
- None
- SIP dates
- Monthly - Investor may choose any day of the month from 1st to 31st as the date of the instalment and Quarterly -Investor may choose any day of the month from 1st to 31st as the date of the instalment
As listed for this plan on 24 Oct 2026.
Bandhan Conservative Hybrid Fund AUM
₹ crore, every plan of the fund together.
- Average assetsAverage assets under management. The money the fund managed, averaged over every day of the quarter, added up across its plans.
- ₹91 CrQuarter to Sep 2026
- In the direct plansShare of assets in the direct plans. The direct plans' average assets for the quarter as a percentage of the fund's total; the rest is in the regular plans, bought through distributors.
- 11.6%Of the quarter's average
Average assets by quarter, by plan
- Regular plans
- Direct plans
Largest ₹307 Cr, quarter to Dec 2013.
Assets at each month end
Highest ₹204 Cr, Mar 2019.The latest month end is the lowest since Feb 2019.
Bandhan Conservative Hybrid Fund portfolio
Portfolio disclosed for 30 Sep 2026.
Holdings on 30 Sep 2026
| Large, mid and small cap. Companies ranked by average market value over six months: the first 100 are large cap, the next 150 mid cap, the rest small cap, by the list in force for the portfolio's month. | Weight in the fund. The holding's market value on the portfolio date as a share of the fund's net assets. | Yield to maturity. The yearly return the fund's bonds would earn if each were held to maturity at today's price, weighted by what the fund holds of each. | Held since. The first month end of the fund's current run of holding this position; marked "or earlier" where that month is the fund's first portfolio on record or the first after a gap in its portfolios. | ||||
|---|---|---|---|---|---|---|---|
| Bandhan Nifty 50 ETF | Fund units | 12.66% | 10.83 | 4,25,000 | – | Mar 2021or earlier | |
| 7.3% GOI (MD 19/06/2053)SOVEREIGN, 7.30% coupon, repaid 19 Jun 2053 | Bonds and bills | 8.98% | 7.68 | 8,00,000 | 7.80% | Jul 2024 | |
| 8.57% Rajasthan SDL (MD 11/07/2028)SOVEREIGN, 8.57% coupon, repaid 11 Jul 2028 | Bonds and bills | 5.97% | 5.11 | 5,00,000 | 7.38% | Oct 2025 | |
| 7.77% REC LimitedCRISIL AAA, 7.77% coupon, repaid 31 Mar 2028 | Bonds and bills | 5.85% | 5.00 | 5,00,000 | 7.67% | Jan 2026 | |
| 8.4% Godrej Industries LimitedCRISIL AA+, 8.40% coupon, repaid 27 Aug 2027 | Bonds and bills | 5.85% | 5.00 | 5,00,000 | 8.25% | Jan 2025 | |
| 7.75% LIC Housing Finance LimitedCRISIL AAA, 7.75% coupon, repaid 23 Nov 2027 | Bonds and bills | 5.84% | 4.99 | 5,00,000 | 7.86% | Jan 2026 | |
| 7.37% National Bank For Financing Infrastructure And DevelopmentCRISIL AAA, 7.37% coupon, repaid 16 Jul 2029 | Bonds and bills | 5.77% | 4.94 | 5,00,000 | 7.85% | Aug 2026 | |
| 6.66% Small Industries Dev Bank of IndiaCRISIL AAA, 6.66% coupon, repaid 25 Oct 2028 | Bonds and bills | 5.72% | 4.89 | 5,00,000 | 7.86% | Mar 2026 | |
| Bank of IndiaCRISIL A1+, repaid 17 Feb 2027 | Bonds and bills | 5.69% | 4.87 | 5,00,000 | 6.89% | Jun 2026 | |
| 8.5% Godrej Housing Finance LimitedCRISIL AA+, 8.50% coupon, repaid 30 Nov 2027 | Bonds and bills | 4.69% | 4.01 | 4,00,000 | 8.22% | Jul 2024 | |
| 8.1% Aadhar Housing Finance LimitedCARE AA+, repaid 24 Aug 2028 | Bonds and bills | 4.63% | 3.96 | 4,00,000 | 8.63% | Sep 2025 | |
| 8.28% GOI (M/D 21/09/2027)SOVEREIGN, 8.28% coupon, repaid 21 Sep 2027 | Bonds and bills | 3.06% | 2.62 | 2,57,000 | 6.33% | Apr 2021 | |
| HDFC BankBanks | Shares | Large cap2nd | 1.82% | 1.56 | 22,000 | – | Dec 2022 |
| Tata Consultancy ServicesIT - Software | Shares | Large cap6th | 1.70% | 1.45 | 7,077 | – | Nov 2022or earlier |
| UNO MindaAuto Components | Shares | Mid cap166th | 1.68% | 1.44 | 12,290 | – | Sep 2022 |
Weight is per cent of the fund's net assets; value in ₹ crore. 1 line filed with no weight is listed without one.
Cash and receivables on 30 Sep 2026
| Weight in the fund. The holding's market value on the portfolio date as a share of the fund's net assets. | ||
|---|---|---|
| Triparty Repo TRP_011026 | 11.39% | 9.74 |
| Net Current Assets | 1.43% | 1.23 |
| Cash Margin - CCIL | – | 0.00 |
Weight is per cent of the fund's net assets; value in ₹ crore. 1 line filed with no weight is listed without one.
- Largest holdingLargest holding. The share of the fund in its single largest position, cash and futures not counted as positions.
- 12.66%Bandhan Nifty 50 ETF
- Top 5 holdingsTop 5 holdings. The share of the fund held in its five largest positions.
- 39.31%
- Top 10 holdingsTop 10 holdings. The share of the fund held in its ten largest positions.
- 67.02%
- Top 10 sharesTop 10 shares. The share of the fund held in its ten largest shareholdings, bonds and fund units left out.
- 10.55%
- Effective holdingsEffective number of holdings. The number of equal-sized positions that would be as concentrated as the fund's actual weights.
- 13.9Taken over 87.18% of the fund
Asset allocation
Asset allocation. What the fund owns, by kind of asset, each as a share of its net assets; futures and options are shown beside it, not in it, since they are contracts rather than assets bought.- Indian shares10.55%
- Bonds and bills63.46%
- Units of other funds13.17%
- Cash and receivables12.82%
Per cent of the fund's net assets.
Large, mid and small cap
Large, mid and small cap. Companies ranked by average market value over six months: the first 100 are large cap, the next 150 mid cap, the rest small cap, by the list in force for the portfolio's month.- Large cap84.08%Category 69.08%
- Mid cap15.92%Category 17.34%
- Small capNoneCategory 12.86%
Per cent of the fund's Indian shares. By the list for the six months to Jun 2026. Category is the average of 18 Conservative Hybrid funds.
Sector allocation
Sector weight. The fund's shares grouped by the business each company is in, less the futures sold on them, each group as a share of the fund's net assets.5sectors
- Automobile And Auto Components3.34%Category 1.56%
- Financial Services3.19%Category 6.29%
- Information Technology1.70%Category 1.15%
- Consumer Durables1.34%Category 0.66%
- Fast Moving Consumer Goods0.98%Category 1.11%
Per cent of the fund's net assets, less the futures sold on its shares, Sep 2026. Category is the average of 18 Conservative Hybrid funds. Category average. The sector's weight, less the futures sold on it, averaged over the 18 Conservative Hybrid funds that disclosed a portfolio for Sep 2026. A fund holding none of the sector counts as 0.
Sector allocation month by month
| 13 months | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Automobile And Auto Components3 companies | 3.34% | 3.57% | 3.27% | 4.27% | 4.17% | 4.23% | 4.43% | 4.20% | 4.05% | 4.07% | 3.96% | 3.88% | |
| Financial Services2 companies | 3.19% | 3.32% | 3.22% | 3.16% | 2.85% | 2.90% | 2.72% | 2.12% | 2.09% | 2.13% | 2.71% | 2.65% | |
| Information Technology1 company | 1.70% | 1.94% | 1.81% | 1.49% | 1.66% | 1.79% | 1.75% | 1.89% | 2.23% | 2.22% | 2.17% | 2.12% | |
| Consumer Durables1 company | 1.34% | 1.46% | 2.90% | 2.51% | 2.32% | 2.47% | 3.11% | 3.28% | 3.01% | 2.97% | 2.86% | 2.75% | |
| Fast Moving Consumer Goods1 company | 0.98% | 0.94% | 0.97% | 0.95% | 0.95% | 1.03% | 0.97% | 0.00% | 0.00% | 0.00% | 0.88% | 0.86% | |
| Healthcare | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |
| Capital Goods | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |
| Oil Gas & Consumable Fuels | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |
| Telecommunication | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |
| Consumer Services | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |
| Power | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |
| Construction | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Per cent of the fund's net assets, less the futures sold on its shares, at each month end, Oct 2025 to Sep 2026; the line runs from Sep 2025.
- Yield to maturityYield to maturity. The yearly return the fund's bonds would earn if each were held to maturity at today's price, weighted by what the fund holds of each.
- 7.71%Lines stating a yield: 84.78% of the bond book
- Yield after expensesYield after expenses. The yield to maturity less the plan's expense ratio.
- 5.74%Regular plan
- Macaulay durationMacaulay duration. The weighted average time, in years, until the fund's bonds pay back their interest and principal.
- 1.78years
- Modified durationModified duration. Roughly how much the bonds' value changes, in per cent, for each one point change in interest rates.
- 1.70years
- Average maturityAverage maturity. The weighted average time, in years, until the fund's bonds are repaid.
- 3.20years
- Maturity date knownMaturity date known. The share of the bond book, perpetual bonds left out, whose repayment date is known: the bonds the durations and the maturity profile are taken over.
- 100.00%Of the bond book, perpetual bonds left out
- Perpetual bondsPerpetual bonds. Bonds with no maturity date: the issuer pays interest with no fixed day to repay. Their share of the bond book; they are in no duration and no maturity window.
- None
The bond book is the fund's bonds, bills and overnight lending.
Credit rating
Credit rating. A rating agency's grade for how likely the borrower is to repay on time: AAA down to D for loans of over a year, A1+ down to A4 for loans of under a year, two scales that are never compared.Loans of over a year
- Sovereign19.42%
- AAA23.18%
- AA15.17%
Loans of under a year
- A1+5.69%
Other
- Overnight lending11.39%
Per cent of the fund's net assets. A grade is stated for 100.00% of the bonds.
Maturity profile
Maturity profile. The fund's bonds grouped by how long until each is repaid, as a share of the fund's net assets; a bond with no known maturity date is left off.- Up to 1 month11.39%
- 1 to 3 monthsNone
- 3 to 6 months5.69%
- 6 to 12 months10.32%
- 1 to 3 years38.47%
- 3 to 5 yearsNone
- 5 to 10 yearsNone
- Over 10 years8.98%
Per cent of the fund's net assets, over the bonds whose maturity date is known; perpetual bonds have none.
- Largest borrowerLending to one borrower. The share of the fund lent to a single company or group of companies, government bonds left out.
- 5.85%REC Limited
- Top 5 borrowersLending to one borrower. The share of the fund lent to a single company or group of companies, government bonds left out.
- 29.03%
- Top 10 borrowersLending to one borrower. The share of the fund lent to a single company or group of companies, government bonds left out.
- 44.04%
Per cent of the fund's net assets. Lent outside the government: 44.04% of the fund, to 8 borrowers; the borrower is named for 100.00% of it, its group for 49.86%.
Bought and sold
Sep 2026 against Aug 2026, position by position.
Positions changed, month by month
- New
- Added
- Trimmed
- Sold out
- New positionsNew positions. Holdings in this month's portfolio that were not in the month before.
- 0
- Sold outSold out. Holdings in last month's portfolio that are gone from this one, other than a bond or deposit repaid on its due date.
- 15.64% of the fund before
- MaturedMatured. Bonds and deposits whose repayment date fell between the two portfolios, so they were repaid rather than sold. One sold in its last days reads the same.
- 1
- Added toAdded to. Holdings with more units than the month before. Where the fund states no units, a weight that rose by more than a tenth.
- 0
- TrimmedTrimmed. Holdings with fewer units than the month before. Where the fund states no units, a weight that fell by more than a tenth.
- 0
- UnchangedUnchanged. Holdings with the same number of units as the month before. Their weight can still move with the price.
- 22
- Traded at leastTraded at least. The smaller of the weight bought in new positions and the weight sold out of old ones, cash left out: the least the fund must have bought and sold in the month.
- 0.00%
- Weight that movedWeight that moved. Half the sum of every position's change in weight between the two month ends, new and sold positions included; price moves alone raise it.
- 6.72%
Changes in Sep 2026
| What changed. New: not held the month before. Added or trimmed: more or fewer units than the month before, or, where no units are stated, a weight that moved by more than a tenth. Sold out: held the month before, gone now. Matured: a bond or deposit whose repayment date fell between the two portfolios, so it was repaid rather than sold (one sold in its last days reads the same). | Change in weight. The holding's weight this month less its weight the month before, in percentage points; a price move alone changes it. | ||||
|---|---|---|---|---|---|
| 7.1% Bajaj Housing Finance Limited | Sold out | – | 5.64% | −5.64 pts | −5,00,000 |
| TVS Motor Company Limited | Matured | – | 0.03% | −0.03 pts | – |
Weights are per cent of the fund's net assets; a change in weight is in percentage points.
Holdings month by month
| Holding | Oct 25 | Nov 25 | Dec 25 | Jan 26 | Feb 26 | Mar 26 | Apr 26 | May 26 | Jun 26 | Jul 26 | Aug 26 | Sep 26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bandhan Nifty 50 ETF | 11.77% | 11.93% | 11.89% | 11.95% | 11.89% | 10.95% | 11.48% | 11.43% | 11.63% | 12.40% | 12.96% | 12.66% |
| 7.3% GOI (MD 19/06/2053) | 12.86%Cut | 12.68% | 12.73% | 13.04% | 8.03%Cut | 7.99% | 7.93% | 7.99% | 8.30% | 8.47% | 8.87% | 8.98% |
| 8.57% Rajasthan SDL (MD 11/07/2028) | 5.16%Bought | 5.13% | 5.13% | 5.27% | 5.28% | 5.44% | 5.28% | 5.31% | 5.36% | 5.59% | 5.88% | 5.97% |
| 7.77% REC Limited | – | – | – | 5.12%Bought | 5.13% | 5.27% | 5.15% | 5.18% | 5.24% | 5.45% | 5.74% | 5.85% |
| 8.4% Godrej Industries Limited | 4.99% | 4.96% | 4.94% | 5.08% | 5.10% | 5.26% | 5.15% | 5.18% | 5.22% | 5.43% | 5.74% | 5.85% |
| 7.75% LIC Housing Finance Limited | – | – | – | 5.09%Bought | 5.10% | 5.25% | 5.13% | 5.17% | 5.21% | 5.42% | 5.73% | 5.84% |
| 7.37% National Bank For Financing Infrastructure And Development | – | – | – | – | – | – | – | – | – | – | 5.68%Bought | 5.77% |
| 6.66% Small Industries Dev Bank of India | – | – | – | – | – | 5.14%Bought | 5.01% | 5.05% | 5.13% | 5.33% | 5.61% | 5.72% |
| Bank of India | – | – | – | – | – | – | – | – | 4.97%Bought | 5.21% | 5.55% | 5.69% |
| 8.5% Godrej Housing Finance Limited | 4.01% | 3.98% | 3.97% | 4.09% | 4.09% | 4.21% | 4.12% | 4.14% | 4.18% | 4.35% | 4.59% | 4.69% |
| 8.1% Aadhar Housing Finance Limited | 3.96% | 3.95% | 3.93% | 4.05% | 4.07% | 4.18% | 4.08% | 4.11% | 4.15% | 4.32% | 4.55% | 4.63% |
| 8.28% GOI (M/D 21/09/2027) | 2.63% | 2.61% | 2.61% | 2.70% | 2.70% | 2.78% | 2.71% | 2.73% | 2.74% | 2.86% | 3.02% | 3.06% |
 HDFC Bank | 0.93% | 0.95% | 0.93% | 0.90% | 0.86% | 1.69%Added | 1.74% | 1.70% | 1.82% | 1.78% | 1.79% | 1.82% |
 Tata Consultancy Services | 2.12% | 2.17% | 2.22% | 2.23% | 1.89% | 1.75% | 1.79% | 1.66% | 1.49% | 1.81% | 1.94% | 1.70% |
 UNO Minda | 1.49% | 1.57% | 1.54% | 1.47% | 1.48% | 1.33% | 1.40% | 1.40% | 1.39% | 1.57% | 1.80% | 1.68% |
Per cent of the fund's net assets at each month end, Oct 2025 to Sep 2026. Under it, the change on the fund's previous month. "After a gap" is a holding after a month with no portfolio on record, so when it was bought is not known; "Not filed" is one gone across such a gap.
Risk ratios
NAV to 23 Oct 2026
Each bar runs from the lowest to the highest figure among the Regular plans of Conservative Hybrid funds (18 funds) over the same 3 years; the tick is their average and the dot this fund.
How much the NAV moves
Standard deviationStandard deviation. How far the fund's monthly returns spread around their average, stated as a yearly figure: the wider the spread, the more the NAV moves.4.55%
2.36%Lowest4.29%Average5.61%Highest
Downside deviationDownside deviation. Standard deviation counting only the months in which the fund lost money, stated as a yearly figure.2.63%
1.06%Lowest2.35%Average3.23%Highest
Sharpe ratioSharpe ratio. The monthly return above the 91-day Treasury bill yield, divided by its standard deviation and stated for a year: the extra return for each unit of movement in the NAV.0.01
−0.41Lowest0.18Average0.76Highest
Sortino ratioSortino ratio. The monthly return above the 91-day Treasury bill yield, divided by how far it fell below that yield and stated for a year: the extra return for each unit of movement on the way down.0.01
−0.50Lowest0.27Average1.21Highest
Largest falls
| Largest over | FallLargest fall. The biggest drop in NAV from a high to the low that followed, before the NAV went back above that high. | High on | Low on | Back at the highBack at the high. The first day the NAV closed at or above the high it had fallen from. |
|---|---|---|---|---|
| 1 and 3 years | −5.27% | 12 Dec 2025 | 30 Mar 2026 | 10 Aug 2026 |
| 5 years | −5.42% | 17 Jan 2022 | 17 Jun 2022 | 21 Apr 2023 |
| 10 years and since Feb 2010 | −11.46% | 20 Feb 2020 | 23 Mar 2020 | 21 Jul 2020 |
Risk level by month
| Months | FundRiskometer. The fund's own risk label on SEBI's six-step scale, from Low to Very High, set from what the fund holds and reviewed every month. | BenchmarkBenchmark's risk level. The riskometer level of the fund's benchmark index for the same month, on the same six-step scale as the fund's own. |
|---|---|---|
| Oct 2025 to Aug 202611 months | Moderately High | Moderately HighCRISIL Hybrid 85+15 - Conservative Index |
| May 2025 to Sep 20255 months | Moderately High | ModerateCRISIL Hybrid 85+15 - Conservative Index |
| Jan 2024 to Apr 202516 months | Moderately High | Moderately HighCRISIL Hybrid 85+15 - Conservative Index |
| Dec 20231 month | Moderate | Moderately HighCRISIL Hybrid 85+15 - Conservative Index |
| Apr 2023 to Nov 20238 months | Moderately High | Moderately HighCRISIL Hybrid 85+15 - Conservative Index |
| Dec 2022 to Mar 20234 months | Moderately High | HighCRISIL Hybrid 85+15 - Conservative Index |
| Apr 2022 to Nov 20228 months | Moderate | Moderately HighCRISIL Hybrid 85+15 - Conservative Index |
| Nov 2021 to Mar 20225 months | Moderately High | Moderately HighCRISIL Hybrid 85+15 - Conservative Index |
The riskometer at each month end, the fund's and its benchmark's. A month with none on record is left out.
Bandhan Conservative Hybrid Fund managers
Managers now
| Manager | Return in the manager's time. The change in the plan's NAV from the day the manager took the fund over to the latest NAV; past a year, the yearly rate that would compound to the same change. | Benchmark over the same days. The change in the fund's benchmark index over the same days as the manager's return, worked out the same way, with the dividends of the index's companies added back. | Difference from the benchmark. The fund's return in the manager's time less its benchmark's over the same days, in percentage points. | Portfolio changed after the handover. How much of the portfolio was different three months after the manager took over: half the sum of every holding's change in weight, with each side's holdings scaled to add up to 100 so a move into cash does not count. | Portfolio changed before the handover. The same measure over the three months before the manager took over, since portfolios change anyway. | Assets the manager runs. The latest monthly size of every fund the manager runs now, added up; a fund run with others counts in full for each of its managers, and the line under it counts only the funds they run alone. | ||
|---|---|---|---|---|---|---|---|---|
| Viraj Kulkarni (Equity Portion) | Jul 2022 | +6.22%a year | – | – | 23.6% | 14.2% | 1 | ₹85 Cr |
| Harshal Joshi(Debt Portion) | Jul 2021 | +5.05%a year | – | – | 19.8% | 35.1% | 20 | ₹55,832 Cr₹13,143 Cr alone |
Returns are the regular plan's growth NAV, from the day each took over to the latest NAV, beside the benchmark over the same days.
Other funds they run
| Fund | Return in the manager's time. The change in the plan's NAV from the day the manager took the fund over to the latest NAV; past a year, the yearly rate that would compound to the same change. | Benchmark over the same days. The change in the fund's benchmark index over the same days as the manager's return, worked out the same way, with the dividends of the index's companies added back. | Difference from the benchmark. The fund's return in the manager's time less its benchmark's over the same days, in percentage points. | ||
|---|---|---|---|---|---|
| Bandhan Liquid FundHarshal Joshi | Sep 2015 | +6.12%a year | – | – | ₹15,011 Cr |
| Bandhan Arbitrage FundHarshal Joshi | Oct 2016 | +5.60%a year | – | – | ₹7,734 Cr |
| Bandhan Ultra Short to Short Term FundHarshal Joshi | Jul 2021 | +5.98%a year | – | – | ₹6,362 Cr |
| Bandhan Crisil IBX Gilt June 2027 Index FundHarshal Joshi | Jul 2021 | +5.80%a year | – | – | ₹5,184 Cr |
| Bandhan Ultra Short Term FundHarshal Joshi | Jul 2018 | +6.22%a year | – | – | ₹4,261 Cr |
| Bandhan Crisil IBX Gilt April 2028 Index FundHarshal Joshi | Jul 2021 | +5.87%a year | – | – | ₹3,369 Cr |
| Bandhan Multi Cap FundHarshal Joshi | Dec 2021 | +11.48%a year | +11.45% | +0.03 pts | ₹2,938 Cr |
| Bandhan Aggressive Hybrid FundHarshal Joshi | Jul 2021 | +10.84%a year | – | – | ₹2,661 Cr |
| Bandhan Midcap FundHarshal Joshi | Aug 2022 | +15.65%a year | – | – | ₹2,521 Cr |
| Bandhan Income Plus Arbitrage Active FOFHarshal Joshi | Jul 2016 | +6.75%a year | – | – | ₹1,860 Cr |
Up to ten funds a manager, largest first. Returns are the regular plan's.
Portfolio overlap
Funds holding the most of the same securities, by weight.
Closest funds in the category
| Portfolio overlap. The share of the two funds' portfolios that is the same: for every holding they share, the smaller of its two weights, added up. | Shared holdings. The number of securities both funds hold, cash and futures left out. | |
|---|---|---|
| HDFC Conservative Hybrid FundHDFC Mutual Fund | 5.60% | 5 |
| Axis Conservative Hybrid FundAxis Mutual Fund | 4.35% | 6 |
| DSP Conservative Hybrid FundDSP Mutual Fund | 3.77% | 4 |
| Kotak Conservative Hybrid FundKotak Mahindra Mutual Fund | 2.87% | 6 |
| UTI Conservative Hybrid FundUTI Mutual Fund | 2.86% | 4 |
| Canara Robeco Conservative Hybrid FundCanara Robeco Mutual Fund | 2.83% | 3 |
| HSBC Conservative Hybrid FundHSBC Mutual Fund | 2.76% | 3 |
| Baroda BNP Paribas Conservative Hybrid FundBaroda BNP Paribas Mutual Fund | 2.69% | 7 |
| ICICI Prudential Conservative Hybrid FundICICI Prudential Mutual Fund | 2.40% | 3 |
| Franklin India Conservative Hybrid FundFranklin Templeton Mutual Fund | 2.20% | 4 |
Portfolios for Sep 2026. Overlap is per cent of the portfolio the two funds hold in common.
Overlap with the fund house's other funds
| Portfolio overlap. The share of the two funds' portfolios that is the same: for every holding they share, the smaller of its two weights, added up. | |
|---|---|
| Bandhan Aggressive Hybrid FundBandhan Mutual Fund | 8.49% |
| Bandhan Equity Savings FundBandhan Mutual Fund | 7.66% |
| Bandhan Multi Asset Allocation FundBandhan Mutual Fund | 5.55% |
| Bandhan Balanced Advantage FundBandhan Mutual Fund | 3.88% |
| Bandhan Arbitrage FundBandhan Mutual Fund | 2.97% |
As the fund house states it, for Sep 2026.
Bandhan Conservative Hybrid Fund dividend history
Paid through the IDCW (income distribution cum capital withdrawal) option, once called a dividend.
Changes to the fund
Newest first.
2026
- 1 AprExpenseExpense ratio stated under the new rules: a base ratio, with brokerage, levies and GST on top
Fund details
Objective
The primary objective of the Scheme is to generate regular returns through investment predominantly in debt instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme’s total assets in equity securities.
Asset allocation
- Equity & Equity related instruments (including derivatives) - 10% - 25%, Debt & Money Market instruments (including Government securities, Securitised debt, Margin money/FD) and Units issued by InvITs, within which - 75% - 90%, Units issued by InvITs - 0% - 10%
Type of scheme
An open ended hybrid scheme investing predominantly in debt instruments.
- BenchmarkBenchmark. The index the fund house chose to measure the fund against, in its total return form, with dividends added back.
- CRISIL Hybrid 85+15 Conservative Index
- Risk level at launchRiskometer. The fund's own risk label on SEBI's six-step scale, from Low to Very High, set from what the fund holds and reviewed every month.
- Moderate
- New fund offer
- 11 Jan 2010 to 9 Feb 2010
- Units first allotted
- 25 Feb 2010
- Open for sale again
- 26 Feb 2010
- Price at the offer
- ₹10 a unit
- Minimum at the offer
- ₹1,000
Plans and codes
| Plan | AMFI code | ISIN | ISIN, reinvestment | MUTF_IN | First NAV |
|---|---|---|---|---|---|
| Direct Growth | 118491 | INF194K015B9 | BAND_CNSR_HYB_1HXLF7F | 2 Jan 2013 | |
| Regular Growth | 112353 | INF194K01RW9 | BAND_CNSR_HYB_YCOF7E | 26 Feb 2010 | |
| Direct IDCW | 118490 | INF194K017B5 | INF194K016B7 | BAND_CNSR_HYB_TJDU3M | 7 Jan 2013 |
| Regular IDCW | 112352 | INF194K01RY5 | INF194K01RX7 | BAND_CNSR_HYB_1P8N7T6 | 26 Feb 2010 |
This fund
- Scheme information document (opens in a new tab)The fund's objective, terms, costs and risks in full
Factsheet
- October 2026 (opens in a new tab)Bandhan Mutual Fund, Sep 2026
Statement of additional information
- SAI Bandhan Mutual Fund (opens in a new tab)Bandhan Mutual Fund, Oct 2026
Annual report
- Abridged Annual Report - Set 1 - Debt Schemes (opens in a new tab)Bandhan Mutual Fund, Mar 2026
- Abridged Annual Report - Set 2 - Equity Schemes (opens in a new tab)Bandhan Mutual Fund, Mar 2026
- Abridged Annual Report - Set 3 - Fixed Term Plans (opens in a new tab)Bandhan Mutual Fund, Mar 2026
- Abridged Annual Report - Set 4 - Fund of Funds Schemes (opens in a new tab)Bandhan Mutual Fund, Mar 2026
Riskometer disclosure
- Annual changes in Risk-o-meter (opens in a new tab)Bandhan Mutual Fund, Mar 2026
Portfolio overlap disclosure
- Portfolio Overlap - 30-Sep-2026 (opens in a new tab)Bandhan Mutual Fund, Sep 2026