HealthyDirect · Growth
BANK OF INDIA CONSERVATIVE HYBRID FUND
Bank of India Mutual FundDebt Scheme - Medium to Long Duration Fund13.7 years
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.
- NAV
- 37.8288
- 15 Sept 2026
- 1Y
- +2.9%
- Trailing CAGR
- AUM
- ₹65.22 Cr
- 31 Aug 2026
- Volatility
- Low
- 6.8% annualized
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+2.9%
- 3Y+6.4%
- 5Y+9.5%
- 10Y+7.4%
- SI+8.1%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.3%
- 3Y+4.4%
- 5Y+6.9%
- 10Y+8.0%
- Since inception
- +8.1%
- Calendar-day CAGR
- Excess 1Y
- +2.4%
- Category median, same plan and option
- 3Y win rate
- +50%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- Worst rolling 3Y
- -1.4%
- 2580 daily-ending windows
- Median rolling 3Y
- +9.3%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2097 daily-ending windows
- SIP 3Y XIRR
- +4.4%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 233 recovered episodes
- Longest recovery
- 261 days
- Trough to prior peak
- Current spell
- 21 days
- Days below latest peak
- Time below peak
- +79%
- NAV observations
28 Aug 2018 – 9 Dec 2020
Trough 23 Mar 2020 · recovered in 261 days
-15.4%
17 Jan 2022 – 31 Mar 2022
Trough 7 Mar 2022 · recovered in 24 days
-4.1%
10 Dec 2024 – 23 Apr 2025
Trough 28 Feb 2025 · recovered in 54 days
-4.1%
5 Apr 2022 – 1 Aug 2022
Trough 20 Jun 2022 · recovered in 42 days
-3.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
65
Consistency
54
Risk-adjusted
48
Drawdown
62
Mean
66
Portfolio
31 Aug 2026 · 43 holdings · top 10 are 71.5%.
- Top 5
- 55.1%
- Top 10
- 71.5%
- Largest holding
- 17.7%
- Effective holdings
- 15.1
Repo
Unspecified
17.7%
CENTRAL GOVERNMENT LOAN 31568 GOI 18AP29 7.10 FV RS 100
Entities
7.8%
INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 175 7.57 BD 18AP29 FVRS1LAC
Financial
7.7%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR F24 7.68 BD 30AP29 FVRS1LAC
Financial
7.7%
PUNJAB NATIONAL BANK CD 12MAR27
Financial
5.9%
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 15 Sept 2026
Healthy
Engine status
Healthy
Doing its job
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 57% of rolling 1-year windows.
- Three-year return is above the category median.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
Tata Income Fund
Tata Mutual Fund
- 1Y
- +0.5%
- 3Y
- +6.0%
- Vol
- 3.2%
- Max DD
- -6.7%
- Sharpe
- 0.80
- 3Y win
- +50%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
BANK OF INDIA CONSERVATIVE HYBRID FUND - Monthly
Bank of India Mutual Fund
- 1Y
- +2.3%
- 3Y
- +5.9%
- Vol
- 6.5%
- Max DD
- -21.2%
- Sharpe
- 0.15
- 3Y win
- +100%
- Lower volatility
- Higher win rate vs category
Caveat: Deeper drawdown · Lower trailing returns
BANK OF INDIA CONSERVATIVE HYBRID FUND - Quarterly
Bank of India Mutual Fund
- 1Y
- +11.6%
- 3Y
- -1.8%
- Vol
- 6.0%
- Max DD
- -22.2%
- Sharpe
- -0.80
- 3Y win
- 0%
- Lower volatility
Caveat: Deeper drawdown · Lower trailing returns