Bank of India Conservative Hybrid Fund
The Scheme seeks to generate regular income through investments of a substantial portion in fixed income securities and long term capital appreciation by investing upto 20% of the net assets in equity and equity related instruments. The scheme will seek to build a well-diversified, high credit portfolio that minimizes liquidity risk and credit risk.
Growthvine rating: 1/5 — ranked #22 of 24 in category.
Fund basics
| Category | Hybrid: Conservative |
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| NAV | ₹34.81 (as of 2026-10-01) |
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| AUM | ₹65 Cr |
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| Expense ratio | 1.85% |
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| Riskometer | Moderately High |
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| Fund manager | Alok Singh |
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| Exit load | For units in excess of 10% of the investment, 1% will be charged for redemption within 3 months |
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Performance & risk
| 5-year annualised return | 8.74% |
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| Sharpe ratio | 0.09 |
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| Standard deviation | 4.15% |
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| Max drawdown | −16.22% |
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| Alpha | 0 |
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| Beta | 0 |
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Over 5 years, captured 124.0% of NIFTY 50 Hybrid Composite Debt 15:85 Index's upside and 48.7% of its downside.
Market cap allocation
| Large cap | 53.8% |
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| Mid cap | 28.4% |
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| Small cap | 17.8% |
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Concentration
| Top 5 holdings | 8.2% |
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| Top 10 holdings | 13.1% |
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| Total holdings | 26 |
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Top holdings
- TREPS — 17.7%
- 7.1% Government of India (18/04/2029) — 7.8%
- 7.57% Indian Railway Finance Corporation Limited (18/04/2029) — 7.7%
- 7.68% National Bank For Agriculture and Rural Development (30/04/2029) — 7.7%
- Punjab National Bank (12/03/2027) # — 5.9%
- 7.73% Tata Capital Housing Finance Limited (14/01/2030) — 4.6%
- 6.27% Power Finance Corporation Limited (15/07/2027) — 4.6%
- 8.9% Muthoot Finance Limited (07/10/2027) — 3.8%
- 8.5% Nirma Limited (07/04/2027) — 3.1%
- 8.1167% Bajaj Finance Limited (10/05/2027) — 3.1%
Top sectors
Not disclosed.
Calendar-year track record
| Year | Return | Quartile | Category rank |
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| 2026 (partial) | 0.6% | Q2 | #8 of 20 |
| 2025 | 4.2% | Q4 (Bottom) | #19 of 20 |
| 2024 | 7.0% | Q4 (Bottom) | #20 of 20 |
| 2023 | 10.9% | Q3 | #13 of 20 |
| 2022 | 21.5% | Q1 (Top) | #1 of 19 |