HealthyDirect · GrowthFit for a long SIP
Nippon India Conservative Hybrid Fund (Existing number of Segregated Portfolios - 1)
Nippon India Mutual FundHybrid Scheme - Conservative Hybrid Fund13.8 years
The scheme primarily aims to generate regular income in order to make regular dividend payments to unitholders while the secondary objective is growth of capital.
- NAV
- 68.9467
- 30 Oct 2026
- 1Y
- +4.8%
- Trailing CAGR
- AUM
- ₹977.17 Cr
- 30 Sept 2026
- Volatility
- Low
- 4.4% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 57% of rolling 1-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
1.01% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -18.9%. Ask whether you can hold through a similar fall.
Vs category
Watch
53% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Amber Singhania · 0.6 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
Pass
Top 10 holdings ≈ 45.9% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
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 19%. 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
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
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+4.8%
- 3Y+8.4%
- 5Y+8.0%
- 10Y+5.9%
- SI+7.5%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+4.3%
- 3Y+7.2%
- 5Y+8.0%
- 10Y+6.8%
- Since inception
- +7.5%
- Calendar-day CAGR
- Excess 1Y
- +3.7%
- Category median, same plan and option
- 3Y win rate
- +53%
- Windows beating the median
- 3Y percentile
- 83
- Vs comparable share classes
- SIP 3Y XIRR
- +7.2%
- Simulated monthly SIP
- Worst rolling 3Y
- -1.7%
- 2620 daily-ending windows
- Median rolling 3Y
- +8.5%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2137 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -18.9%
- Worst peak-to-trough
- Current
- -0.7%
- Below last peak
- Current spell
- 77 days
- Days below latest peak
- Time below peak
- +74%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 249 recovered episodes
- Longest recovery
- 568 days
- Trough to prior peak
16 Jan 2020 – 12 Oct 2021
Trough 23 Mar 2020 · recovered in 568 days
-18.9%
17 May 2013 – 20 Jan 2014
Trough 19 Aug 2013 · recovered in 154 days
-9.0%
23 Oct 2015 – 30 Mar 2016
Trough 25 Feb 2016 · recovered in 34 days
-4.5%
30 Nov 2016 – 25 Jan 2017
Trough 26 Dec 2016 · recovered in 30 days
-2.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
83
Vs category
73
Consistency
55
Risk-adjusted
44
Drawdown
53
Mean
62
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
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.
Portfolio
30 Sept 2026 · 87 holdings · top 10 are 45.9%.
- Top 5
- 29.4%
- Top 10
- 45.9%
- Largest holding
- 12.5%
- Effective holdings
- 26.7
Repo
Unspecified
12.5%
STATE DEVELOPMENT LOAN 31431 TN 02MR30 7.03 FV RS 100
Unspecified
5.1%
TRIUMPH COMPOSITES PRIVATE LIMITED 10.50 NCD 27AP31 FVRS1LAC
Materials
4.1%
ADANI AIRPORT HOLDINGS LIMITED 8.45 NCD 12FB29 FVRS1LAC
Industrials
4.0%
DELHI INTERNATIONAL AIRPORT LIMITED RR NCD 22AG30 FVRS1LAC
Industrials
3.8%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Parag Parikh Conservative Hybrid Fund
PPFAS Mutual Fund
- 1Y
- +1.8%
- 3Y
- +8.7%
- Vol
- 3.0%
- Max DD
- -2.7%
- Sharpe
- 0.99
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Franklin India Conservative Hybrid Fund
Franklin Templeton Mutual Fund
- 1Y
- +0.1%
- 3Y
- +7.6%
- Vol
- 4.2%
- Max DD
- -11.9%
- Sharpe
- 0.62
- 3Y win
- +53%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
SBI CONSERVATIVE HYBRID FUND
SBI Mutual Fund
- 1Y
- +2.1%
- 3Y
- +8.0%
- Vol
- 4.3%
- Max DD
- -11.9%
- Sharpe
- 0.83
- 3Y win
- +81%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
LIC MF Conservative Hybrid Fund
LIC Mutual Fund
- 1Y
- +0.9%
- 3Y
- +6.2%
- Vol
- 3.5%
- Max DD
- -7.9%
- Sharpe
- 0.40
- 3Y win
- +28%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
BANDHAN CONSERVATIVE HYBRID FUND
Bandhan Mutual Fund
- 1Y
- +1.6%
- 3Y
- +7.1%
- Vol
- 4.6%
- Max DD
- -11.4%
- Sharpe
- 0.45
- 3Y win
- +28%
- Shallower drawdown
- Lower TER
Caveat: Higher volatility · Lower trailing returns