Bank of India Conservative Hybrid Fund Direct Growth NAV today
AMFI: 119393ISIN: INF761K01819MUTF_IN: BANK_OF_INDI_Z7JM8IBank of India Mutual FundConservative Hybrid funds
Formerly BOI Axa Conservative Hybrid Fund
NAV ₹37.4287down ₹0.09 (0.25%)
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.
- ₹66 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.
- 1.18%16 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.
- 21.230 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.
- ModerateAug 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.
- 3930 Sep 2026
- LaunchedLaunch date. The day the fund first allotted units to investors, at the close of its new fund offer.
- 18 Mar 2009
Bank of India Conservative Hybrid Fund returns
Direct 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 | −0.85% | – | – | – | – |
| 1 month | −1.62% | – | 6 of 18 | −1.85% | −2.1% to −1.5% |
| 3 months | −1.29% | – | 7 of 18 | −1.74% | −1.9% to −1.2% |
| 6 months | −0.57% | – | 15 of 18 | −0.02% | −0.5% to +0.3% |
| 1 year | +1.16% | +2.78%to 30 Sep 2026 | 8 of 18 | +0.47% | −0.7% to +1.3% |
| 3 years | +6.33% | +7.03%to 30 Sep 2026 | 15 of 18 | +7.62% | +7.0% to +8.2% |
| 5 years | +9.35% | +6.19%to 30 Sep 2026 | 1 of 18 | +7.07% | +6.4% to +7.7% |
| 10 years | +7.06% | +7.78%to 30 Sep 2026 | 12 of 17 | +7.60% | +7.0% to +8.1% |
₹10,000 put in on 14 Jan 2013 is ₹28,805 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 Direct 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 | +3.01% | +2.78% |
| 3 years | +6.38% | +7.03% |
| 5 years | +9.57% | +6.19% |
| 10 years | +7.27% | +7.78% |
| Since launch | +8.09% | +8.45% |
Benchmark: CRISIL Hybrid 85+15 - Conservative Index. Both as the fund house states them for the month.
Return in each calendar year
- Fund, Direct GrowthCalendar year return. The change in NAV from the last NAV of one year to the last NAV of the next.
- Loss
Highest year to Dec 2022, +22.2%; lowest year to Dec 2019, −6.8%
Bank of India 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 | ₹1,19,896₹1,19,890 after stamp duty | −0.17% | −0.18% | ₹6 | |
| 3 years36 instalments | ₹3,60,000 | ₹3,78,011₹3,77,992 after stamp duty | +3.24% | +3.24% | ₹18 | |
| 5 years60 instalments | ₹6,00,000 | ₹6,97,429₹6,97,394 after stamp duty | +6.01% | +6.01% | ₹30 | |
| 10 years120 instalments | ₹12,00,000 | ₹17,80,289₹17,80,240 after stamp duty | +7.69% | +7.69% | ₹38 | |
| Since Jan 2013165 instalments | ₹16,50,000 | ₹28,82,064₹28,82,016 after stamp duty | +7.74% | +7.74% | ₹38 |
Rolling returns
Per cent a year, every window from 14 Jan 2013 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 year3,083 windows−13.9%+8.8%+29.1%87.5%
3 years2,607 windows−1.4%+8.6%+16.5%96.7%
5 years2,123 windows+2.6%+8.1%+13.6%100.0%
10 years912 windows+7.1%+8.4%+9.4%100.0%
Every 5 and 10-year window ended higher than it started.
Bank of India 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 16 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.
- 1.19%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.
- 2.26%Over the last 30 days filed
Total expense ratio, month by month
- Regular plan
- Direct plan
Direct plan highest 2.20%, Mar 2023.Direct plan lowest 1.16%, May 2026.
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. | 0.94% | 1.85% |
| Brokerage | 0.02% | 0.02% |
| Transaction costs | 0.01% | 0.01% |
| Statutory levies | 0.21% | 0.37% |
Per cent of assets a year, filed for 23 Oct 2026. The parts add up to that day's total.
Exit load, in the fund house's words
• If redeemed/ switched-out within 3 months from the date of allotment: - For 10% of investments: Nil - For remaining investments:1% • If redeemed/ switched-out after 3 months from the date of allotment: Nil
Buying and selling
- Lump-sum purchases
- Accepted
- Minimum investmentMinimum investment. The smallest amount the plan accepts for a first purchase.
- ₹5,000
- Minimum top-up
- ₹1,000
- Minimum redemption
- ₹1
- SIP
- Accepted
- SIP minimum
- ₹1,000
- SIP instalments, at least
- Monthly 6
- SIP dates
- Monthly (any day - 1 to 28)
- STP, transfers to another fund
- Not accepted
- SWP, regular withdrawals
- Accepted
- Switches
- Accepted
As listed for this plan on 24 Oct 2026.
Bank of India 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.
- ₹65 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.
- 11.9%Of the quarter's average
Average assets by quarter, by plan
- Regular plans
- Direct plans
Largest ₹234 Cr, quarter to Sep 2018.
Assets at each month end
Highest ₹201 Cr, Mar 2019.Lowest ₹45 Cr, Jan 2022.
Bank of India 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. | ||||
|---|---|---|---|---|---|---|---|
| 7.1% Government of India (18/04/2029)SOVEREIGN, 7.10% coupon, repaid 18 Apr 2029 | Bonds and bills | 7.66% | 5.05 | 5,00,000 | 6.76% | Feb 2025 | |
| 7.57% Indian Railway Finance Corporation Limited (18/04/2029)CRISIL AAA, 7.57% coupon, repaid 18 Apr 2029 | Bonds and bills | 7.57% | 4.99 | 5,00,000 | 7.70% | Mar 2024 | |
| 6.94% Government of India (11/05/2036)SOVEREIGN, 6.94% coupon, repaid 11 May 2036 | Bonds and bills | 7.47% | 4.92 | 5,00,400 | 7.31% | May 2026 | |
| Punjab National Bank (12/03/2027)CRISIL A1+, repaid 12 Mar 2027 | Bonds and bills | 5.89% | 3.88 | 4,00,000 | 6.86% | Aug 2026 | |
| 6.27% Power Finance Corporation Limited (15/07/2027)CRISIL AAA, 6.27% coupon, repaid 15 Jul 2027 | Bonds and bills | 4.51% | 2.97 | 3,00,000 | 7.48% | Aug 2026 | |
| 7.73% Tata Capital Housing Finance Limited (14/01/2030)CRISIL AAA, 7.73% coupon, repaid 14 Jan 2030 | Bonds and bills | 4.48% | 2.95 | 3,00,000 | 8.28% | Jan 2025 | |
| 8.9% Muthoot Finance Limited (07/10/2027)CRISIL AA+, 8.90% coupon, repaid 7 Oct 2027 | Bonds and bills | 3.80% | 2.51 | 2,50,000 | 8.68% | Jun 2025 | |
| 8.5% Nirma Limited (07/04/2027)CRISIL AA, 8.50% coupon, repaid 7 Apr 2027 | Bonds and bills | 3.04% | 2.00 | 2,00,000 | 7.65% | May 2026 | |
| 8.1167% Bajaj Finance Limited (10/05/2027)CRISIL AAA, repaid 10 May 2027 | Bonds and bills | 3.03% | 2.00 | 2,00,000 | 7.89% | Jul 2024 | |
| 7.6% Power Finance Corporation Limited (13/04/2029)CRISIL AAA, 7.60% coupon, repaid 13 Apr 2029 | Bonds and bills | 3.02% | 1.99 | 2,00,000 | 7.76% | Jul 2024 | |
| 7.47% Small Industries Dev Bank of India (05/09/2029)CRISIL AAA, 7.47% coupon, repaid 5 Sep 2029 | Bonds and bills | 3.00% | 1.98 | 2,00,000 | 7.87% | Sep 2024 | |
| 6.48% Government of India (06/10/2035)SOVEREIGN, 6.48% coupon, repaid 6 Oct 2035 | Bonds and bills | 2.56% | 1.69 | 1,76,800 | 7.29% | Oct 2025 | |
| Glenmark PharmaceuticalsPharmaceuticals & Biotechnology | Shares | Mid cap176th | 2.30% | 1.52 | 6,500 | – | Jul 2025 |
| State Bank of IndiaBanks | Shares | Large cap4th | 1.60% | 1.06 | 11,000 | – | Jan 2022or earlier |
| Hindustan CopperNon - Ferrous Metals | Shares | Mid cap194th | 1.39% | 0.92 | 19,417 | – | Aug 2026 |
Weight is per cent of the fund's net assets; value in ₹ crore.
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. | ||
|---|---|---|
| TREPS | 21.46% | 14.15 |
| Net Receivables / (Payables) | 2.66% | 1.74 |
Weight is per cent of the fund's net assets; value in ₹ crore.
- Largest holdingLargest holding. The share of the fund in its single largest position, cash and futures not counted as positions.
- 7.66%7.1% Government of India (18/04/2029)
- Top 5 holdingsTop 5 holdings. The share of the fund held in its five largest positions.
- 33.10%
- Top 10 holdingsTop 10 holdings. The share of the fund held in its ten largest positions.
- 50.47%
- Top 10 sharesTop 10 shares. The share of the fund held in its ten largest shareholdings, bonds and fund units left out.
- 12.43%
- Effective holdingsEffective number of holdings. The number of equal-sized positions that would be as concentrated as the fund's actual weights.
- 17.7Taken over 75.88% 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 shares18.99%
- Bonds and bills56.55%
- Units of other funds0.34%
- Cash and receivables24.12%
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 cap58.93%Category 69.08%
- Mid cap24.22%Category 17.34%
- Small cap14.01%Category 12.86%
Per cent of the fund's Indian shares. By the list for the six months to Jun 2026. Shares not on the list: 0.54% of the fund. 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.14sectors
- Financial Services3.17%Category 6.29%
- Healthcare3.17%Category 1.96%
- Power2.01%Category 0.62%
- Consumer Durables1.56%Category 0.66%
- Services1.49%Category 0.35%
- Metals & Mining1.39%Category 0.28%
- Fast Moving Consumer Goods1.38%Category 1.11%
- Automobile And Auto Components1.16%Category 1.56%
- Capital Goods1.04%Category 1.58%
- Telecommunication0.93%Category 0.67%
- Construction0.57%Category 0.41%
- Oil Gas & Consumable Fuels0.52%Category 1.08%
- Construction Materials0.48%Category 0.23%
- Information Technology0.12%Category 1.15%
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 | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Financial Services4 companies | 3.17% | 3.21% | 4.79% | 4.68% | 4.13% | 3.86% | 3.25% | 2.04% | 2.08% | 3.13% | 3.47% | 3.50% | |
| Healthcare3 companies | 3.17% | 3.49% | 3.29% | 2.51% | 2.63% | 2.70% | 2.42% | 2.41% | 2.33% | 2.35% | 2.24% | 2.21% | |
| Power2 companies | 2.01% | 2.06% | 2.24% | 2.28% | 2.41% | 2.50% | 2.36% | 2.22% | 2.03% | 2.81% | 2.94% | 3.53% | |
| Consumer Durables2 companies | 1.56% | 1.66% | 1.57% | 1.40% | 1.43% | 1.26% | 1.06% | 1.15% | 1.37% | 1.51% | 0.99% | 0.60% | |
| Services2 companies | 1.49% | 1.49% | 1.02% | 1.07% | 1.08% | 0.98% | 0.79% | 0.89% | 0.86% | 0.87% | 0.89% | 0.85% | |
| Metals & Mining1 company | 1.39% | 1.56% | 0.00% | 0.03% | 3.12% | 2.93% | 2.22% | 0.16% | 1.23% | 2.14% | 1.97% | 2.08% | |
| Fast Moving Consumer Goods2 companies | 1.38% | 1.63% | 0.55% | 0.65% | 0.63% | 1.84% | 2.45% | 2.63% | 1.63% | 1.96% | 1.93% | 2.98% | |
| Automobile And Auto Components2 companies | 1.16% | 1.96% | 1.97% | 1.30% | 1.27% | 1.69% | 1.62% | 1.22% | 1.70% | 1.79% | 1.31% | 1.33% | |
| Capital Goods2 companies | 1.04% | 1.13% | 1.96% | 1.84% | 1.92% | 1.93% | 1.00% | 1.09% | 1.12% | 2.49% | 4.69% | 4.72% | |
| Telecommunication1 company | 0.93% | 0.97% | 0.65% | 0.60% | 0.60% | 0.61% | 0.58% | 0.60% | 0.65% | 0.68% | 0.67% | 0.66% | |
| Construction1 company | 0.57% | 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 Fuels1 company | 0.52% | 0.57% | 0.59% | 0.58% | 0.68% | 0.70% | 0.61% | 0.62% | 0.63% | 0.70% | 0.69% | 0.34% |
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.
- 7.51%Lines stating a yield: 72.49% of the bond book
- Yield after expensesYield after expenses. The yield to maturity less the plan's expense ratio.
- 6.31%Direct plan
- Macaulay durationMacaulay duration. The weighted average time, in years, until the fund's bonds pay back their interest and principal.
- 1.46years
- Modified durationModified duration. Roughly how much the bonds' value changes, in per cent, for each one point change in interest rates.
- 1.39years
- Average maturityAverage maturity. The weighted average time, in years, until the fund's bonds are repaid.
- 1.79years
- 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
- Sovereign18.21%
- AAA25.61%
- AA6.84%
Loans of under a year
- A1+5.89%
Other
- Overnight lending21.46%
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 month21.46%
- 1 to 3 monthsNone
- 3 to 6 months6.41%
- 6 to 12 months10.58%
- 1 to 3 years25.05%
- 3 to 5 years4.48%
- 5 to 10 years10.03%
- Over 10 yearsNone
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.
- 7.57%Indian Railway Finance Corporation 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.
- 29.27%
- Top 10 borrowersLending to one borrower. The share of the fund lent to a single company or group of companies, government bonds left out.
- 38.34%
Per cent of the fund's net assets. Lent outside the government: 38.34% of the fund, to 8 borrowers; the borrower is named for 100.00% of it, its group for 47.21%.
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.
- 10.57% of the fund
- 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.
- 38.49% of the fund before
- 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.
- 2
- TrimmedTrimmed. Holdings with fewer units than the month before. Where the fund states no units, a weight that fell by more than a tenth.
- 1
- UnchangedUnchanged. Holdings with the same number of units as the month before. Their weight can still move with the price.
- 35
- 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.
- 0.57%
- 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.
- 10.61%
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. | ||||
|---|---|---|---|---|---|
| 7.68% National Bank For Agriculture and Rural Development (30/04/2029) | Sold out | – | 7.66% | −7.66 pts | −5,00,000 |
| 6.94% Government of India (11/05/2036) | Added | 7.47% | 1.53% | +5.94 pts | +4,00,500 |
| MRF | Sold out | – | 0.66% | −0.66 pts | −32 |
| Larsen & Toubro | New | 0.57% | 0.00% | +0.57 pts | +1,000 |
| Glenmark Pharmaceuticals | Trimmed | 2.30% | 2.66% | −0.36 pts | −500 |
| Triveni Engineering & Industries | Sold out | – | 0.17% | −0.17 pts | −3,800 |
| State Bank of India | Added | 1.60% | 1.46% | +0.14 pts | +2,000 |
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 7.1% Government of India (18/04/2029) | 7.88% | 7.87% | 7.90% | 8.06% | 7.89% | 7.90% | 7.79% | 7.91% | 7.87% | 7.97% | 7.81% | 7.66% |
| 7.57% Indian Railway Finance Corporation Limited (18/04/2029) | 7.82% | 7.79% | 7.80% | 7.91% | 7.76% | 7.78% | 7.66% | 7.77% | 7.79% | 7.88% | 7.69% | 7.57% |
| 6.94% Government of India (11/05/2036) | – | – | – | – | – | – | – | 4.67%Bought | 1.56%Cut | 1.57% | 1.53% | 7.47%Added |
| Punjab National Bank (12/03/2027) | – | – | – | – | – | – | – | – | – | – | 5.92%Bought | 5.89% |
| 6.27% Power Finance Corporation Limited (15/07/2027) | – | – | – | – | – | – | – | – | – | – | 4.55%Bought | 4.51% |
| 7.73% Tata Capital Housing Finance Limited (14/01/2030) | 4.66% | 4.66% | 4.68% | 4.72% | 4.64% | 4.65% | 4.57% | 4.63% | 4.61% | 4.68% | 4.57% | 4.48% |
| 8.9% Muthoot Finance Limited (07/10/2027) | 3.88% | 3.88% | 3.90% | 3.96% | 3.88% | 3.92% | 3.85% | 3.91% | 3.87% | 3.92% | 3.84% | 3.80% |
| 8.5% Nirma Limited (07/04/2027) | – | – | – | – | – | – | – | 3.12%Bought | 3.08% | 3.13% | 3.07% | 3.04% |
| 8.1167% Bajaj Finance Limited (10/05/2027) | 3.10% | 3.09% | 3.10% | 3.15% | 3.08% | 3.12% | 3.07% | 3.12% | 3.08% | 3.13% | 3.07% | 3.03% |
| 7.6% Power Finance Corporation Limited (13/04/2029) | 3.13% | 3.12% | 3.12% | 3.16% | 3.10% | 3.11% | 3.06% | 3.10% | 3.11% | 3.14% | 3.06% | 3.02% |
| 7.47% Small Industries Dev Bank of India (05/09/2029) | 3.12% | 3.11% | 3.11% | 3.14% | 3.08% | 3.10% | 3.04% | 3.09% | 3.09% | 3.13% | 3.05% | 3.00% |
| 6.48% Government of India (06/10/2035) | 3.81%Bought | 3.79% | 10.02%Added | 10.17% | 4.93%Cut | 4.89% | 4.82% | 4.91% | 2.66%Cut | 2.70% | 2.63% | 2.56% |
 Glenmark Pharmaceuticals | 2.02% | 2.07% | 2.18% | 2.21% | 2.29% | 2.32% | 2.58% | 2.48% | 2.37% | 2.44% | 2.66% | 2.30%Cut |
 State Bank of India | 1.21% | 1.27% | 1.28% | 1.18%Cut | 0.92%Cut | 1.11%Added | 1.19% | 1.09% | 1.42%Added | 1.44% | 1.46% | 1.60%Added |
 Hindustan Copper | – | – | – | – | – | 0.74%Bought | 0.96%Added | 0.99% | Sold out | – | 1.56%Bought again | 1.39% |
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.
Portfolio turnover, per cent of assets a year
- TurnoverPortfolio turnover. How much of the portfolio the fund bought or sold over the last year, as a share of its assets, as the fund house states it.
Highest 75.9% in Aug 2026
Risk ratios
NAV to 23 Oct 2026
Each bar runs from the lowest to the highest figure among the Direct 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.4.23%
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.2.08%
1.00%Lowest2.26%Average3.09%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.0.09
−0.20Lowest0.39Average0.98Highest
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.0.13
−0.25Lowest0.58Average1.51Highest
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 year | −2.11% | 26 Feb 2026 | 30 Mar 2026 | 15 Apr 2026 |
| 3 years | −4.11% | 10 Dec 2024 | 28 Feb 2025 | 23 Apr 2025 |
| 5 years | −4.12% | 17 Jan 2022 | 7 Mar 2022 | 31 Mar 2022 |
| 10 years and since Jan 2013 | −15.37% | 28 Aug 2018 | 23 Mar 2020 | 9 Dec 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. |
|---|---|---|
| Jun 2026 to Aug 20263 months | Moderate | Moderately HighCRISIL Hybrid 85+15 - Conservative Index |
| May 20261 month | Moderately High | Moderately HighCRISIL Hybrid 85+15 - Conservative Index |
| Apr 20261 month | Moderate | Moderately HighCRISIL Hybrid 85+15 - Conservative Index |
| Mar 20261 month | Moderately High | Moderately HighCRISIL Hybrid 85+15 - Conservative Index |
| Feb 20261 month | Moderate | Moderately HighCRISIL Hybrid 85+15 - Conservative Index |
| Oct 2025 to Jan 20264 months | Moderately High | Moderately HighCRISIL Hybrid 85+15 - Conservative Index |
| May 2025 to Sep 20255 months | Moderately High | ModerateCRISIL Hybrid 85+15 - Conservative Index |
| Oct 2023 to Apr 202519 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.
Bank of India 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. | ||
|---|---|---|---|---|---|---|---|---|
| Alok SinghPrimary Fund Manager having around 20 years of experience, including 16 years in mutual fund industry. | May 2012 | – | – | – | – | – | 10 | ₹12,037 Cr₹11,811 Cr alone |
Returns are the direct 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. | ||
|---|---|---|---|---|---|
| Bank of India Small Cap FundAlok Singh | Apr 2022 | +21.79%a year | +15.46% | +6.34 pts | ₹3,671 Cr |
| Bank of India Flexi Cap FundAlok Singh | Jun 2020 | +25.23%a year | – | – | ₹3,098 Cr |
| Bank of India Aggressive Hybrid FundAlok Singh | Feb 2017 | +16.23%a year | – | – | ₹2,196 Cr |
| Bank of India ELSS Tax SaverAlok Singh | Apr 2022 | +13.44%a year | – | – | ₹1,366 Cr |
| Bank of India Mid Cap FundAlok Singh | Aug 2025 | +2.28%a year | +1.82% | +0.45 pts | ₹729 Cr |
| Bank of India Business Cycle FundAlok Singh | Aug 2024 | −1.52%a year | −2.11% | +0.59 pts | ₹437 Cr |
| Bank of India Large Cap FundAlok Singh | Oct 2024 | −1.28%a year | −4.10% | +2.82 pts | ₹226 Cr |
| Bank of India Balanced Advantage FundAlok Singh | Dec 2021 | +10.48%a year | – | – | ₹174 Cr |
| Bank of India Credit Risk FundAlok Singh | Feb 2015 | – | – | – | ₹74 Cr |
Up to ten funds a manager, largest first. Returns are the direct 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. | |
|---|---|---|
| HSBC Conservative Hybrid FundHSBC Mutual Fund | 15.40% | 9 |
| Axis Conservative Hybrid FundAxis Mutual Fund | 13.74% | 11 |
| Canara Robeco Conservative Hybrid FundCanara Robeco Mutual Fund | 11.33% | 10 |
| ICICI Prudential Conservative Hybrid FundICICI Prudential Mutual Fund | 10.03% | 10 |
| DSP Conservative Hybrid FundDSP Mutual Fund | 8.76% | 7 |
| Sundaram Conservative Hybrid FundSundaram Mutual Fund | 8.62% | 10 |
| UTI Conservative Hybrid FundUTI Mutual Fund | 8.50% | 15 |
| Aditya Birla Sun Life Conservative Hybrid FundAditya Birla Sun Life Mutual Fund | 7.19% | 14 |
| HDFC Conservative Hybrid FundHDFC Mutual Fund | 6.82% | 10 |
| Franklin India Conservative Hybrid FundFranklin Templeton Mutual Fund | 6.72% | 13 |
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. | |
|---|---|
| Bank of India Balanced Advantage FundBank of India Mutual Fund | 28.54% |
| Bank of India Multi Asset Allocation FundBank of India Mutual Fund | 17.20% |
| Bank of India Aggressive Hybrid FundBank of India Mutual Fund | 10.28% |
| Bank of India Arbitrage FundBank of India Mutual Fund | 2.48% |
As the fund house states it, for Sep 2026.
Bank of India 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 Scheme seeks to generate income through investments in fixed income securities and also to generate long term capital appreciation by investing a portion in equity and equity related instruments. However, there is no assurance that the investment objective of the scheme will be achieved.
Asset allocation
- Money market securities and debt securities including government securities, corporate debt, securitized debt, and other debt instruments - 75% to 90%
- Equity and equity related securities - 10% to 25%
- Residual Portion: Units issued by INVITs - 00% to 10%
- ETCDs, Gold ETFs and Silver ETFs. and mutual fund units - 00% to 15%
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
- 28 Jan 2009 to 26 Feb 2009
- Units first allotted
- 18 Mar 2009
- Open for sale again
- 20 Mar 2009
- Price at the offer
- ₹10 a unit
- Minimum at the offer
- ₹10,000
Plans and codes
| Plan | AMFI code | ISIN | ISIN, reinvestment | MUTF_IN | First NAV |
|---|---|---|---|---|---|
| Direct Growth | 119393 | INF761K01819 | BANK_OF_INDI_Z7JM8I | 14 Jan 2013 | |
| Regular Growth | 111712 | INF761K01462 | BANK_OF_INDI_1NVXYHE | 20 Mar 2009 | |
| Direct IDCW | 119394 | INF761K01835 | INF761K01827 | BANK_OF_INDI_LMC7P | 26 Mar 2013 |
| Regular IDCW | 111713 | INF761K01504 | INF761K01496 | BANK_OF_INDI_UT0BZS | 20 Mar 2009 |
This fund
- Scheme information document (opens in a new tab)The fund's objective, terms, costs and risks in full
Factsheet
- FACTSHEET SEPTEMBER 2026 (opens in a new tab)Bank of India Mutual Fund, Sep 2026
Statement of additional information
- SAI Bank of India Mutual Fund (opens in a new tab)Bank of India Mutual Fund, Oct 2026
Annual report
- ABRIDGED ANNUAL REPORT 2025 2026 (opens in a new tab)Bank of India Mutual Fund, Mar 2026
- ANNUAL REPORT 2025 - 26 (opens in a new tab)Bank of India Mutual Fund, Mar 2026
Riskometer disclosure
- RISKOMETER FY 25-26 (opens in a new tab)Bank of India Mutual Fund, Mar 2026
Portfolio overlap disclosure
- PORTFOLIO OVERLAP DISCLOSURE SEPTEMBER 30, 2026 (opens in a new tab)Bank of India Mutual Fund, Sep 2026