MonitorPlan n/a · IDCWWatch before adding
BANK OF INDIA CONSERVATIVE HYBRID FUND - Monthly
Bank of India Mutual FundHybrid Schemes - Conservative Hybrid Fund17.6 years
- NAV
- 27.3092
- 29 Oct 2026
- 1Y
- +0.4%
- Trailing CAGR
- AUM
- ₹29,000
- 30 Jun 2026
- Volatility
- Low
- 6.5% 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 · The fund beat the category median in 100% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
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
17.6 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
n/a
TER not on file yet.
Drawdown vs peers
Pass
Peak-to-trough -21.2%. Ask whether you can hold through a similar fall.
Vs category
Pass
100% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / payout
Watch
IDCW pays out and usually slows compounding. Growth is the default for multi-year wealth jobs.
Portfolio concentration
n/a
Holdings weights not on file for this scheme yet.
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 21%. 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.
IDCW vs Growth
IDCW pays out and usually slows compounding. For multi-year wealth jobs, Growth is the default FA stance.
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+0.4%
- 3Y+5.8%
- 5Y+8.9%
- 10Y+4.6%
- SI+5.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-0.0%
- 3Y+2.9%
- 5Y+5.8%
- 10Y+6.3%
- Since inception
- +5.9%
- Calendar-day CAGR
- Excess 1Y
- -11.2%
- Category median, same plan and option
- 3Y win rate
- +100%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- SIP 3Y XIRR
- +2.9%
- Simulated monthly SIP
- Worst rolling 3Y
- -5.7%
- 3513 daily-ending windows
- Median rolling 3Y
- +7.7%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 3029 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -21.2%
- Worst peak-to-trough
- Current
- -1.9%
- Below last peak
- Current spell
- 65 days
- Days below latest peak
- Time below peak
- +85%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 13 days
- 222 recovered episodes
- Longest recovery
- 738 days
- Trough to prior peak
15 Jan 2018 – 31 Mar 2022
Trough 23 Mar 2020 · recovered in 738 days
-21.2%
22 Sept 2009 – 9 Feb 2012
Trough 8 Jun 2010 · recovered in 611 days
-8.1%
10 Dec 2024 – 13 May 2025
Trough 28 Feb 2025 · recovered in 74 days
-4.2%
4 Jun 2009 – 15 Sept 2009
Trough 10 Jul 2009 · recovered in 67 days
-3.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
0
Consistency
93
Risk-adjusted
27
Drawdown
47
Mean
53
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
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Supporting reads
- The fund beat the category median in 100% of rolling 3-year windows.
- Three-year return is above the category median.
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
29 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
26 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
19 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
24 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Sept 2026
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 trailing returns
Axis Conservative Hybrid Fund
Axis Mutual Fund
- 1Y
- -0.4%
- 3Y
- +6.5%
- Vol
- 4.3%
- Max DD
- -9.4%
- Sharpe
- 0.58
- 3Y win
- +19%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
BARODA BNP PARIBAS CONSERVATIVE HYBRID FUND
Baroda BNP Paribas Mutual Fund
- 1Y
- +2.5%
- 3Y
- +8.2%
- Vol
- 3.6%
- Max DD
- -4.5%
- Sharpe
- 0.57
- 3Y win
- +27%
- Lower volatility
- Shallower drawdown
- 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 trailing returns
DSP Conservative Hybrid Fund
DSP Mutual Fund
- 1Y
- +1.8%
- 3Y
- +8.2%
- Vol
- 4.3%
- Max DD
- -12.0%
- Sharpe
- 0.55
- 3Y win
- +15%
- Lower volatility
- Shallower drawdown
- Higher trailing returns