Bank of India Conservative Hybrid Fund Direct Growth

Fund Overview

Fund Size

₹73 Cr

Expense Ratio

1.27%

ISIN

INF761K01819

Minimum SIP

₹1,000

Exit Load

1.00%

Inception Date

14 Jan 2013

About this fund

Bank of India Conservative Hybrid Fund Direct Growth is a Conservative Allocation mutual fund schemes offered by BOI Mutual Fund. This fund has been in existence for 11 years, 6 months and 12 days, having been launched on 14-Jan-13.
As of 25-Jul-24, it has a Net Asset Value (NAV) of ₹34.96, Assets Under Management (AUM) of 72.91 Crores, and an expense ratio of 1.27%.

Bank of India Conservative Hybrid Fund Direct Growth has given a CAGR return of 8.97% since inception.
The fund's asset allocation comprises around 23.01% in equities, 54.51% in debts, and 22.22% in cash & cash equivalents.
You can start investing in Bank of India Conservative Hybrid Fund Direct Growth with a SIP of ₹1000 or a Lumpsum investment of ₹10000.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+13.38%

+11.98% (Cat Avg.)

3 Years

+14.28%

+8.68% (Cat Avg.)

5 Years

+13.16%

+8.98% (Cat Avg.)

10 Years

+8.86%

+7.43% (Cat Avg.)

Since Inception

+8.97%

— (Cat Avg.)

Portfolio Summaryas of 15th July 2024

Equity	₹16.77 Cr	23.01%
Debt	₹39.75 Cr	54.51%
Others	₹16.39 Cr	22.48%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
7.26% Govt Stock 2033	Bond - Gov't/Treasury	₹11.16 Cr	15.30%
Treps	Cash - Repurchase Agreement	₹5.65 Cr	7.74%
Indian Railway Finance Corporation Limited	Bond - Corporate Bond	₹5.03 Cr	6.89%
National Bank for Agriculture and Rural Development 7.68%	Bond - Gov't Agency Debt	₹5.01 Cr	6.87%
Rural Electrification Corporation Limited	Bond - Corporate Bond	₹4.02 Cr	5.51%
Kotak Mahindra Prime Limited	Cash - Commercial Paper	₹2.93 Cr	4.02%
India (Republic of)	Bond - Short-term Government Bills	₹2.89 Cr	3.97%
Bank Of Baroda	Cash - CD/Time Deposit	₹2.87 Cr	3.94%
HDFC Bank Limited	Cash - CD/Time Deposit	₹2.87 Cr	3.93%
7.18% Govt Stock 2033	Bond - Gov't/Treasury	₹2.69 Cr	3.69%
Power Finance Corp Ltd. 7.6%	Bond - Corporate Bond	₹2.01 Cr	2.75%
Small Industries Development Bank of India 7.75%	Bond - Corporate Bond	₹2 Cr	2.75%
Bajaj Finance Ltd. 8.1167%	Bond - Corporate Bond	₹2 Cr	2.74%
Reliance Jio Infocomm Limited	Bond - Corporate Bond	₹1.93 Cr	2.65%
Net Receivables / (Payables)	Cash - Collateral	₹1.89 Cr	2.59%
Reliance Industries Ltd	Equity	₹1.28 Cr	1.75%
Hindustan Aeronautics Ltd Ordinary Shares	Equity	₹1.24 Cr	1.70%
7.1% Govt Stock 2034	Bond - Gov't/Treasury	₹1.01 Cr	1.38%
Larsen & Toubro Ltd	Equity	₹0.95 Cr	1.30%
Jio Financial Services Ltd	Equity	₹0.89 Cr	1.22%
State Bank of India	Equity	₹0.88 Cr	1.21%
NTPC Ltd	Equity	₹0.77 Cr	1.06%
DLF Ltd	Equity	₹0.7 Cr	0.96%
Hero MotoCorp Ltd	Equity	₹0.62 Cr	0.85%
Ambuja Cements Ltd	Equity	₹0.62 Cr	0.84%
HCL Technologies Ltd	Equity	₹0.61 Cr	0.84%
Indus Towers Ltd Ordinary Shares	Equity	₹0.59 Cr	0.82%
Tata Steel Ltd	Equity	₹0.58 Cr	0.80%
Senco Gold Ltd	Equity	₹0.55 Cr	0.75%
TD Power Systems Ltd	Equity	₹0.54 Cr	0.74%
Siemens Ltd	Equity	₹0.53 Cr	0.73%
Jupiter Wagons Ltd	Equity	₹0.53 Cr	0.73%
Coforge Ltd	Equity	₹0.52 Cr	0.71%
UltraTech Cement Ltd	Equity	₹0.47 Cr	0.65%
Titagarh Rail Systems Ltd	Equity	₹0.43 Cr	0.59%
Bank of Baroda	Equity	₹0.41 Cr	0.57%
REC Ltd	Equity	₹0.39 Cr	0.54%
Nestle India Ltd	Equity	₹0.39 Cr	0.54%
SJS Enterprises Ltd	Equity	₹0.38 Cr	0.52%
Triveni Engineering & Industries Ltd	Equity	₹0.34 Cr	0.46%
HDFC Bank Ltd	Equity	₹0.32 Cr	0.44%
ITC Ltd	Equity	₹0.28 Cr	0.38%
PCBL Ltd	Equity	₹0.25 Cr	0.35%
IRCON International Ltd	Equity	₹0.23 Cr	0.32%
Bharat Electronics Ltd	Equity	₹0.23 Cr	0.32%
Power Grid Corp Of India Ltd	Equity	₹0.23 Cr	0.31%
Corporate Debt Market Development Fund	Mutual Fund - Open End	₹0.19 Cr	0.26%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Industrials	₹4.69 Cr	6.44%
Financial Services	₹2.9 Cr	3.98%
Basic Materials	₹1.93 Cr	2.64%
Consumer Cyclical	₹1.54 Cr	2.11%
Energy	₹1.28 Cr	1.75%
Technology	₹1.13 Cr	1.55%
Consumer Defensive	₹1.01 Cr	1.38%
Utilities	₹1 Cr	1.37%
Real Estate	₹0.7 Cr	0.96%
Communication Services	₹0.59 Cr	0.82%

Risk & Performance Ratios

Fund Managers

Alok Singh

Since May 2012

Additional Scheme Detailsas of 15th July 2024

ISIN

INF761K01819

Expense Ratio

1.27%

Exit Load

1.00%

Fund Size

₹73 Cr

Age

14 Jan 2013

Lumpsum Minimum

₹10,000

Fund Status

Open Ended Investment Company

Benchmark

CRISIL Hybrid 85+15 - ConservativeTR INR

Investment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Withdrawal within 1 year

Flat 15% tax on realised gains (STCG - short term capital gains)

Withdrawal after 1 year

10% tax on realised gains above Rs. 1 lakh per financial year (LTCG - long term capital gains)

Note: Mutual funds are subject to capital gains taxation with surcharge and cess, based on prevailing income tax rules and investor income. Taxation applies to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Conservative Allocation Funds

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Bandhan Regular Savings Fund Regular Growth Moderately High risk	2.0%	0.0%	₹116.94 Cr	11.5%
Sundaram Debt Oriented Hybrid Fund Regular Growth Moderate Risk	2.1%	0.0%	₹26.70 Cr	10.4%
Parag Parikh Conservative Hybrid Fund Direct Growth Moderately High risk	0.3%	1.0%	₹2073.47 Cr	18.9%
Parag Parikh Conservative Hybrid Fund Regular Growth Moderately High risk	0.6%	1.0%	₹2073.47 Cr	18.5%
UTI Regular Savings Fund Regular Growth Moderately High risk	1.8%	1.0%	₹1617.22 Cr	14.9%
ICICI Prudential Regular Savings Fund Regular Growth High Risk	1.7%	1.0%	₹3355.13 Cr	14.3%
Nippon India Hybrid Bond Fund Regular Growth High Risk	1.9%	1.0%	₹824.66 Cr	9.2%
SBI Conservative Hybrid Fund Regular Growth High Risk	1.1%	1.0%	₹10088.24 Cr	14.7%
Canara Robeco Conservative Hybrid Fund Regular Growth Moderately High risk	1.8%	1.0%	₹982.72 Cr	11.9%
DSP Regular Saving Fund Regular Growth Moderately High risk	1.1%	0.0%	₹175.12 Cr	14.2%

About the AMC

BOI Mutual Fund

+91 22 40479000

https://www.boimf.in/

Total AUM

₹7,906 Cr

Address

B/204, Tower 1, Peninsula Corporate Park, Mumbai, 400 013

Other Funds by BOI Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Bank of India Midcap Tax Fund Series 1 Direct Growth Very High Risk	-	0.0%	₹71.32 Cr	47.2%
Bank of India Midcap Tax Fund Series 2 Direct Growth Very High Risk	-	0.0%	₹37.68 Cr	48.1%
Bank of India Mid & Small Cap Equity & Debt Direct Growth Very High Risk	1.2%	1.0%	₹840.76 Cr	50.9%
Bank of India Conservative Hybrid Fund Direct Growth Moderately High risk	1.3%	1.0%	₹72.91 Cr	13.4%
Bank of India Balanced Advantage Fund Direct Growth Very High Risk	1.4%	1.0%	₹133.45 Cr	23.6%
Bank of India Multi Cap Fund Direct Growth Very High Risk	1.4%	1.0%	₹598.24 Cr	51.0%
Bank of India Bluechip Fund Direct Growth Very High Risk	1.3%	1.0%	₹159.17 Cr	43.0%
Bank of India Flexi Cap Fund Direct Growth Very High Risk	0.6%	1.0%	₹1467.36 Cr	64.5%
Bank of India Large & Mid Cap Equity Fund Direct Growth Very High Risk	1.4%	1.0%	₹348.51 Cr	46.1%
Bank of India Liquid Direct Growth Low to Moderate Risk	0.1%	0.0%	₹1634.36 Cr	7.4%
Bank of India S/T Income Direct Growth Moderate Risk	0.5%	0.0%	₹76.99 Cr	7.0%
Bank of India Manufacturing and Infrastructure fund Direct Growth Very High Risk	0.9%	1.0%	₹404.90 Cr	62.4%
Bank of India Tax Advantage Fund Direct Growth Very High Risk	1.0%	0.0%	₹1428.33 Cr	54.4%
Bank of India Ultra Short Duration Fund Direct Growth Low to Moderate Risk	0.7%	0.0%	₹168.68 Cr	6.8%
Bank of India Credit Risk Fund Direct Growth Moderately High risk	1.2%	4.0%	₹123.35 Cr	6.5%
Bank of India Small Cap Fund Direct Growth Very High Risk	0.6%	1.0%	₹1236.83 Cr	53.8%
Bank of India Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹96.94 Cr	6.9%
Bank of India Arbitrage Fund Direct Growth Low Risk	0.2%	0.0%	₹35.25 Cr	7.7%

Risk Level

Your principal amount will be at Moderately High risk

Still got questions?
We're here to help.

What is the current NAV of Bank of India Conservative Hybrid Fund Direct Growth?

The NAV of Bank of India Conservative Hybrid Fund Direct Growth, as of 25-Jul-2024, is ₹34.96.

What are the returns of Bank of India Conservative Hybrid Fund Direct Growth?

The fund has generated 13.38% over the last 1 year and 14.28% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of Bank of India Conservative Hybrid Fund Direct Growth?

The fund's allocation of assets is distributed as 23.01% in equities, 54.51% in bonds, and 22.22% in cash and cash equivalents.

Who manages the Bank of India Conservative Hybrid Fund Direct Growth?

The fund managers responsible for Bank of India Conservative Hybrid Fund Direct Growth are:-

Alok Singh

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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