MonitorPlan n/a · IDCWWatch before adding
BANK OF INDIA CONSERVATIVE HYBRID FUND - Quarterly
Bank of India Mutual FundHybrid Schemes - Conservative Hybrid Fund17.6 years
- NAV
- 10.3674
- 1 Jan 2021
- 1Y
- +11.6%
- Trailing CAGR
- AUM
- ₹65.22 Cr
- 31 Aug 2026
- Volatility
- Low
- 6.0% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 1 Jan 2021
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.
Fits if · Risk-adjusted return (Sharpe) is negative over the available daily history.
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 -22.2%. Ask whether you can hold through a similar fall.
Vs category
Fail
0% 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
Watch
Top 10 holdings ≈ 71.5% 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 22%. 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+11.6%
- 3Y-1.8%
- 5Y+0.3%
- 10Y-0.1%
- SI+0.3%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+17.2%
- 3Y+3.4%
- 5Y+1.0%
- 10Y+0.3%
- Since inception
- +0.3%
- Calendar-day CAGR
- Excess 1Y
- +11.2%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- SIP 3Y XIRR
- +3.4%
- Simulated monthly SIP
- Worst rolling 3Y
- -6.4%
- 2119 daily-ending windows
- Median rolling 3Y
- -0.1%
- Calendar-day CAGR
- Positive rolling 5Y
- +50%
- 1635 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -22.2%
- Worst peak-to-trough
- Current
- -7.3%
- Below last peak
- Current spell
- 4119 days
- Days below latest peak
- Time below peak
- +99%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 11 recovered episodes
- Longest recovery
- 34 days
- Trough to prior peak
22 Sept 2009 – open
Trough 23 Mar 2020 · not recovered
-22.2%
4 Jun 2009 – 13 Aug 2009
Trough 10 Jul 2009 · recovered in 34 days
-3.9%
15 Apr 2009 – 4 May 2009
Trough 16 Apr 2009 · recovered in 18 days
-1.7%
19 May 2009 – 28 May 2009
Trough 26 May 2009 · recovered in 2 days
-1.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
0
Vs category
100
Consistency
7
Risk-adjusted
0
Drawdown
45
Mean
30
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.
- Risk-adjusted return (Sharpe) is negative over the available daily history.
- AUM fell by 30% or more versus the prior observation.
Supporting reads
No supporting reads in the current evidence set.
Portfolio
31 Aug 2026 · 41 holdings · top 10 are 71.5%.
- Top 5
- 55.1%
- Top 10
- 71.5%
- Largest holding
- n/a
- Effective holdings
- n/a
Asset mix
Debt
59.3%
Equity
20.4%
Cash
20.3%
Sectors
Financial (debt)
40.8%
Unspecified (debt)
29.5%
Healthcare
17.1%
Financial
16.4%
Materials
14.7%
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
- 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 win rate vs category
- 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 win rate vs category
- 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
- 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 win rate vs category
- Higher trailing returns