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 | ₹35.32 (as of 2026-08-21) |
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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 | 9.44% |
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| Sharpe ratio | 0.06 |
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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 122.6% of NIFTY 50 Hybrid Composite Debt 15:85 Index's upside and 50.2% of its downside.
Market cap allocation
| Large cap | 69.7% |
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| Mid cap | 20.8% |
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| Small cap | 9.6% |
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Concentration
| Top 5 holdings | 8.0% |
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| Top 10 holdings | 12.9% |
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| Total holdings | 25 |
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Top holdings
- TREPS — 26.7%
- 7.1% Government of India (18/04/2029) — 8.0%
- 7.57% Indian Railway Finance Corporation Limited (18/04/2029) — 7.9%
- 7.68% National Bank For Agriculture and Rural Development (30/04/2029) — 7.8%
- 7.73% Tata Capital Housing Finance Limited (14/01/2030) — 4.7%
- 8.9% Muthoot Finance Limited (07/10/2027) — 3.9%
- 7.6% Power Finance Corporation Limited (13/04/2029) — 3.1%
- 8.5% Nirma Limited (07/04/2027) — 3.1%
- 8.1167% Bajaj Finance Limited (10/05/2027) — 3.1%
- 7.47% Small Industries Dev Bank of India (05/09/2029) — 3.1%
Top sectors
- Pharma & Biotech — 3.2%
- Banking & Financial — 3.0%
- Energy — 2.2%
Calendar-year track record
| Year | Return | Quartile | Category rank |
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| 2026 (partial) | 2.1% | Q2 | #9 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 |