Bank of India Conservative Hybrid Fund Direct Growth
HybridConservative AllocationModerate Risk
Direct
NAV (03-Jul-25)
Returns (Since Inception)
Fund Overview
Fund Size
₹69 Cr
Expense Ratio
1.10%
ISIN
INF761K01819
Minimum SIP
₹1,000
Exit Load
1.00%
Inception Date
14 Jan 2013
About this fund
As of 03-Jul-25, it has a Net Asset Value (NAV) of ₹36.84, Assets Under Management (AUM) of 69.22 Crores, and an expense ratio of 1.1%.
- Bank of India Conservative Hybrid Fund Direct Growth has given a CAGR return of 8.72% since inception.
- The fund's asset allocation comprises around 20.45% in equities, 52.32% in debts, and 26.94% 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
+5.22%
+7.29% (Cat Avg.)
3 Years
+9.65%
+10.45% (Cat Avg.)
5 Years
+13.00%
+10.28% (Cat Avg.)
10 Years
+8.34%
+7.94% (Cat Avg.)
Since Inception
+8.72%
— (Cat Avg.)
Portfolio Summaryas of 15th June 2025
| Equity | ₹14.15 Cr | 20.45% |
| Debt | ₹36.22 Cr | 52.32% |
| Others | ₹18.85 Cr | 27.24% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Treps | Cash - Repurchase Agreement | ₹7.74 Cr | 11.18% |
| 7.1% Govt Stock 2029 | Bond - Gov't/Treasury | ₹5.18 Cr | 7.49% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹5.14 Cr | 7.43% |
| Indian Railway Finance Corporation Limited | Bond - Corporate Bond | ₹5.14 Cr | 7.43% |
| Au Small Finance Bank Limited | Cash - CD/Time Deposit | ₹4.91 Cr | 7.09% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹4.81 Cr | 6.94% |
| 6.79% Govt Stock 2034 | Bond - Gov't/Treasury | ₹4.73 Cr | 6.83% |
| Tata Capital Housing Finance Limited | Bond - Corporate Bond | ₹3.06 Cr | 4.41% |
| 7.18% Govt Stock 2033 | Bond - Gov't/Treasury | ₹2.79 Cr | 4.03% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹2.05 Cr | 2.97% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹2.05 Cr | 2.96% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹2.05 Cr | 2.95% |
| Bajaj Finance Limited | Bond - Corporate Bond | ₹2.04 Cr | 2.94% |
| Coforge Ltd | Equity | ₹1.39 Cr | 2.01% |
| Export Import Bank Of India | Bond - Corporate Bond | ₹1.02 Cr | 1.48% |
| NTPC Green Energy Ltd | Equity | ₹1.02 Cr | 1.47% |
| 364 DTB 15012026 | Bond - Gov't/Treasury | ₹0.97 Cr | 1.40% |
| Ambuja Cements Ltd | Equity | ₹0.87 Cr | 1.25% |
| Net Receivables / (Payables) | Cash | ₹0.85 Cr | 1.22% |
| TD Power Systems Ltd | Equity | ₹0.71 Cr | 1.03% |
| State Bank of India | Equity | ₹0.67 Cr | 0.97% |
| NTPC Ltd | Equity | ₹0.66 Cr | 0.96% |
| Power Grid Corp Of India Ltd | Equity | ₹0.66 Cr | 0.95% |
| Bharat Electronics Ltd | Equity | ₹0.63 Cr | 0.91% |
| PNB Housing Finance Ltd | Equity | ₹0.59 Cr | 0.85% |
| SJS Enterprises Ltd | Equity | ₹0.56 Cr | 0.81% |
| Tata Steel Ltd | Equity | ₹0.53 Cr | 0.77% |
| ITC Ltd | Equity | ₹0.5 Cr | 0.72% |
| Adani Ports & Special Economic Zone Ltd | Equity | ₹0.46 Cr | 0.66% |
| CreditAccess Grameen Ltd Ordinary Shares | Equity | ₹0.43 Cr | 0.63% |
| Sky Gold and Diamonds Ltd | Equity | ₹0.42 Cr | 0.61% |
| Avenue Supermarts Ltd | Equity | ₹0.41 Cr | 0.59% |
| REC Ltd | Equity | ₹0.4 Cr | 0.58% |
| ABB India Ltd | Equity | ₹0.39 Cr | 0.56% |
| Bharti Airtel Ltd | Equity | ₹0.39 Cr | 0.56% |
| Steel Authority Of India Ltd | Equity | ₹0.36 Cr | 0.52% |
| ICICI Bank Ltd | Equity | ₹0.35 Cr | 0.51% |
| 364 DTB 07082025 | Bond - Gov't/Treasury | ₹0.35 Cr | 0.50% |
| Siemens Ltd | Equity | ₹0.34 Cr | 0.49% |
| Siemens Energy India Ltd | Equity | ₹0.26 Cr | 0.38% |
| Reliance Industries Ltd | Equity | ₹0.21 Cr | 0.31% |
| Corporate Debt Market Development Fund | Mutual Fund - Open End | ₹0.21 Cr | 0.30% |
| Zaggle Prepaid Ocean Services Ltd | Equity | ₹0.2 Cr | 0.29% |
| Laxmi Dental Ltd | Equity | ₹0.17 Cr | 0.25% |
| Triveni Engineering & Industries Ltd | Equity | ₹0.16 Cr | 0.23% |
| HDFC Bank Ltd | Equity | ₹0.15 Cr | 0.22% |
| Maruti Suzuki India Ltd | Equity | ₹0.15 Cr | 0.22% |
| Quadrant Future Tek Ltd | Equity | ₹0.09 Cr | 0.13% |
Allocation By Market Cap (Equity)
Large Cap Stocks
12.71%
Mid Cap Stocks
2.54%
Small Cap Stocks
4.45%
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Industrials | ₹2.62 Cr | 3.78% |
| Financial Services | ₹2.61 Cr | 3.77% |
| Utilities | ₹2.6 Cr | 3.76% |
| Basic Materials | ₹1.76 Cr | 2.55% |
| Technology | ₹1.6 Cr | 2.31% |
| Consumer Cyclical | ₹1.13 Cr | 1.64% |
| Consumer Defensive | ₹1.06 Cr | 1.53% |
| Communication Services | ₹0.39 Cr | 0.56% |
| Energy | ₹0.21 Cr | 0.31% |
| Healthcare | ₹0.17 Cr | 0.25% |
Risk & Performance Ratios
Standard Deviation
This fund
3.86%
Cat. avg.
3.85%
Lower the better
Sharpe Ratio
This fund
0.70
Cat. avg.
0.94
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
1.73
Higher the better
Fund Managers
Alok Singh
Since May 2012
Additional Scheme Detailsas of 15th June 2025
ISIN INF761K01819 | Expense Ratio 1.10% | Exit Load 1.00% | Fund Size ₹69 Cr | Age 12 years 5 months | 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
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only 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
About the AMC
BOI Mutual Fund
Total AUM
₹11,806 Cr
Address
B/204, Tower 1, Peninsula Corporate Park, Mumbai, 400 013
Other Funds by BOI Mutual Fund
Risk Level
Your principal amount will be at Moderate Risk
Take control of your wealth
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What is the current NAV of Bank of India Conservative Hybrid Fund Direct Growth?
What are the returns of Bank of India Conservative Hybrid Fund Direct Growth?
What is the portfolio composition of Bank of India Conservative Hybrid Fund Direct Growth?
Who manages the Bank of India Conservative Hybrid Fund Direct Growth?
- Alok Singh
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Bank of India Conservative Hybrid Fund Direct Growth
HybridConservative AllocationModerate Risk
Direct
NAV (03-Jul-25)
Returns (Since Inception)
Fund Overview
Fund Size
₹69 Cr
Expense Ratio
1.10%
ISIN
INF761K01819
Minimum SIP
₹1,000
Exit Load
1.00%
Inception Date
14 Jan 2013
Risk Level
Your principal amount will be at Moderate Risk
About this fund
As of 03-Jul-25, it has a Net Asset Value (NAV) of ₹36.84, Assets Under Management (AUM) of 69.22 Crores, and an expense ratio of 1.1%.
- Bank of India Conservative Hybrid Fund Direct Growth has given a CAGR return of 8.72% since inception.
- The fund's asset allocation comprises around 20.45% in equities, 52.32% in debts, and 26.94% 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
+5.22%
+7.29% (Cat Avg.)
3 Years
+9.65%
+10.45% (Cat Avg.)
5 Years
+13.00%
+10.28% (Cat Avg.)
10 Years
+8.34%
+7.94% (Cat Avg.)
Since Inception
+8.72%
— (Cat Avg.)
Portfolio Summaryas of 15th June 2025
| Equity | ₹14.15 Cr | 20.45% |
| Debt | ₹36.22 Cr | 52.32% |
| Others | ₹18.85 Cr | 27.24% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type | Amount | Holdings |
|---|---|---|---|
| Treps | Cash - Repurchase Agreement | ₹7.74 Cr | 11.18% |
| 7.1% Govt Stock 2029 | Bond - Gov't/Treasury | ₹5.18 Cr | 7.49% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹5.14 Cr | 7.43% |
| Indian Railway Finance Corporation Limited | Bond - Corporate Bond | ₹5.14 Cr | 7.43% |
| Au Small Finance Bank Limited | Cash - CD/Time Deposit | ₹4.91 Cr | 7.09% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹4.81 Cr | 6.94% |
| 6.79% Govt Stock 2034 | Bond - Gov't/Treasury | ₹4.73 Cr | 6.83% |
| Tata Capital Housing Finance Limited | Bond - Corporate Bond | ₹3.06 Cr | 4.41% |
| 7.18% Govt Stock 2033 | Bond - Gov't/Treasury | ₹2.79 Cr | 4.03% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹2.05 Cr | 2.97% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹2.05 Cr | 2.96% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹2.05 Cr | 2.95% |
| Bajaj Finance Limited | Bond - Corporate Bond | ₹2.04 Cr | 2.94% |
| Coforge Ltd | Equity | ₹1.39 Cr | 2.01% |
| Export Import Bank Of India | Bond - Corporate Bond | ₹1.02 Cr | 1.48% |
| NTPC Green Energy Ltd | Equity | ₹1.02 Cr | 1.47% |
| 364 DTB 15012026 | Bond - Gov't/Treasury | ₹0.97 Cr | 1.40% |
| Ambuja Cements Ltd | Equity | ₹0.87 Cr | 1.25% |
| Net Receivables / (Payables) | Cash | ₹0.85 Cr | 1.22% |
| TD Power Systems Ltd | Equity | ₹0.71 Cr | 1.03% |
| State Bank of India | Equity | ₹0.67 Cr | 0.97% |
| NTPC Ltd | Equity | ₹0.66 Cr | 0.96% |
| Power Grid Corp Of India Ltd | Equity | ₹0.66 Cr | 0.95% |
| Bharat Electronics Ltd | Equity | ₹0.63 Cr | 0.91% |
| PNB Housing Finance Ltd | Equity | ₹0.59 Cr | 0.85% |
| SJS Enterprises Ltd | Equity | ₹0.56 Cr | 0.81% |
| Tata Steel Ltd | Equity | ₹0.53 Cr | 0.77% |
| ITC Ltd | Equity | ₹0.5 Cr | 0.72% |
| Adani Ports & Special Economic Zone Ltd | Equity | ₹0.46 Cr | 0.66% |
| CreditAccess Grameen Ltd Ordinary Shares | Equity | ₹0.43 Cr | 0.63% |
| Sky Gold and Diamonds Ltd | Equity | ₹0.42 Cr | 0.61% |
| Avenue Supermarts Ltd | Equity | ₹0.41 Cr | 0.59% |
| REC Ltd | Equity | ₹0.4 Cr | 0.58% |
| ABB India Ltd | Equity | ₹0.39 Cr | 0.56% |
| Bharti Airtel Ltd | Equity | ₹0.39 Cr | 0.56% |
| Steel Authority Of India Ltd | Equity | ₹0.36 Cr | 0.52% |
| ICICI Bank Ltd | Equity | ₹0.35 Cr | 0.51% |
| 364 DTB 07082025 | Bond - Gov't/Treasury | ₹0.35 Cr | 0.50% |
| Siemens Ltd | Equity | ₹0.34 Cr | 0.49% |
| Siemens Energy India Ltd | Equity | ₹0.26 Cr | 0.38% |
| Reliance Industries Ltd | Equity | ₹0.21 Cr | 0.31% |
| Corporate Debt Market Development Fund | Mutual Fund - Open End | ₹0.21 Cr | 0.30% |
| Zaggle Prepaid Ocean Services Ltd | Equity | ₹0.2 Cr | 0.29% |
| Laxmi Dental Ltd | Equity | ₹0.17 Cr | 0.25% |
| Triveni Engineering & Industries Ltd | Equity | ₹0.16 Cr | 0.23% |
| HDFC Bank Ltd | Equity | ₹0.15 Cr | 0.22% |
| Maruti Suzuki India Ltd | Equity | ₹0.15 Cr | 0.22% |
| Quadrant Future Tek Ltd | Equity | ₹0.09 Cr | 0.13% |
Allocation By Market Cap (Equity)
Large Cap Stocks
12.71%
Mid Cap Stocks
2.54%
Small Cap Stocks
4.45%
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Industrials | ₹2.62 Cr | 3.78% |
| Financial Services | ₹2.61 Cr | 3.77% |
| Utilities | ₹2.6 Cr | 3.76% |
| Basic Materials | ₹1.76 Cr | 2.55% |
| Technology | ₹1.6 Cr | 2.31% |
| Consumer Cyclical | ₹1.13 Cr | 1.64% |
| Consumer Defensive | ₹1.06 Cr | 1.53% |
| Communication Services | ₹0.39 Cr | 0.56% |
| Energy | ₹0.21 Cr | 0.31% |
| Healthcare | ₹0.17 Cr | 0.25% |
Risk & Performance Ratios
Standard Deviation
This fund
3.86%
Cat. avg.
3.85%
Lower the better
Sharpe Ratio
This fund
0.70
Cat. avg.
0.94
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
1.73
Higher the better
Fund Managers
Alok Singh
Since May 2012
Additional Scheme Detailsas of 15th June 2025
ISIN INF761K01819 | Expense Ratio 1.10% | Exit Load 1.00% | Fund Size ₹69 Cr | Age 12 years 5 months | 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
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only 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
About the AMC
BOI Mutual Fund
Total AUM
₹11,806 Cr
Address
B/204, Tower 1, Peninsula Corporate Park, Mumbai, 400 013
Other Funds by BOI Mutual Fund
Related Articles
Still got questions?
We're here to help.
What is the current NAV of Bank of India Conservative Hybrid Fund Direct Growth?
What are the returns of Bank of India Conservative Hybrid Fund Direct Growth?
What is the portfolio composition of Bank of India Conservative Hybrid Fund Direct Growth?
Who manages the Bank of India Conservative Hybrid Fund Direct Growth?
- Alok Singh
Track & Analyse all your investments in one place
Compare your portfolio's performance with benchmarks
Identify potential risks in your portfolio and learn to fix them
Track all your family's investments in one place
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