MonitorDirect · GrowthWatch before adding
BANK OF INDIA CONSERVATIVE HYBRID FUND
Bank of India Mutual FundHybrid Schemes - Conservative Hybrid Fund13.8 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
- 37.6947
- 29 Oct 2026
- 1Y
- +1.4%
- Trailing CAGR
- AUM
- ₹65.93 Cr
- 30 Sept 2026
- Volatility
- Low
- 6.8% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Three-year return sits below the 25th percentile of comparable share classes.
Prefer peers if · Prefer Aditya Birla Sun Life Conservative Hybrid Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
1.18% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -15.4%. Ask whether you can hold through a similar fall.
Vs category
Fail
35% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Alok Singh · 13.8 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 68.9% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 15%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
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+1.4%
- 3Y+6.5%
- 5Y+9.5%
- 10Y+7.2%
- SI+8.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+1.3%
- 3Y+3.7%
- 5Y+6.5%
- 10Y+7.8%
- Since inception
- +8.0%
- Calendar-day CAGR
- Excess 1Y
- +0.9%
- Category median, same plan and option
- 3Y win rate
- +35%
- Windows beating the median
- 3Y percentile
- 10
- Vs comparable share classes
- SIP 3Y XIRR
- +3.7%
- Simulated monthly SIP
- Worst rolling 3Y
- -1.4%
- 2610 daily-ending windows
- Median rolling 3Y
- +9.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2127 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -15.4%
- Worst peak-to-trough
- Current
- -1.4%
- Below last peak
- Current spell
- 65 days
- Days below latest peak
- Time below peak
- +79%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 233 recovered episodes
- Longest recovery
- 261 days
- Trough to prior peak
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
10
Vs category
56
Consistency
34
Risk-adjusted
42
Drawdown
62
Mean
41
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
No supporting reads in the current evidence set.
Portfolio
30 Sept 2026 · 41 holdings · top 10 are 68.9%.
- Top 5
- 50.0%
- Top 10
- 68.9%
- Largest holding
- 21.5%
- Effective holdings
- 12.6
Repo
Unspecified
21.5%
CENTRAL GOVERNMENT LOAN 31568 GOI 18AP29 7.10 FV RS 100
Entities
7.7%
INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 175 7.57 BD 18AP29 FVRS1LAC
Financial
7.6%
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
7.5%
PUNJAB NATIONAL BANK CD 12MAR27
Financial
5.9%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Aditya Birla Sun Life Conservative Hybrid Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +1.5%
- 3Y
- +8.4%
- Vol
- 5.0%
- Max DD
- -14.2%
- Sharpe
- 0.82
- 3Y win
- +59%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Canara Robeco Conservative Hybrid Fund
Canara Robeco Mutual Fund
- 1Y
- +0.6%
- 3Y
- +7.5%
- Vol
- 4.3%
- Max DD
- -10.2%
- Sharpe
- 0.77
- 3Y win
- +38%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
ICICI Prudential Conservative Hybrid Fund
ICICI Prudential Mutual Fund
- 1Y
- +0.9%
- 3Y
- +8.5%
- Vol
- 4.2%
- Max DD
- -8.8%
- Sharpe
- 0.98
- 3Y win
- +86%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Kotak Conservative Hybrid Fund
Kotak Mahindra Mutual Fund
- 1Y
- -0.1%
- 3Y
- +8.3%
- Vol
- 4.8%
- Max DD
- -11.8%
- Sharpe
- 0.87
- 3Y win
- +95%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
HDFC Conservative Hybrid Fund
HDFC Mutual Fund
- 1Y
- -0.1%
- 3Y
- +7.2%
- Vol
- 5.1%
- Max DD
- -12.1%
- Sharpe
- 0.64
- 3Y win
- +64%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns