Bank of India Conservative Hybrid Fund Regular Growth
HybridConservative AllocationModerate Risk
Regular
NAV (18-Jun-25)
Returns (Since Inception)
Fund Overview
Fund Size
₹70 Cr
Expense Ratio
2.05%
ISIN
INF761K01462
Minimum SIP
₹1,000
Exit Load
1.00%
Inception Date
18 Mar 2009
About this fund
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹34.18, Assets Under Management (AUM) of 69.54 Crores, and an expense ratio of 2.05%.
- Bank of India Conservative Hybrid Fund Regular Growth has given a CAGR return of 7.86% since inception.
- The fund's asset allocation comprises around 21.57% in equities, 56.67% in debts, and 21.46% in cash & cash equivalents.
- You can start investing in Bank of India Conservative Hybrid Fund Regular 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
+3.67%
+7.75% (Cat Avg.)
3 Years
+8.95%
+10.72% (Cat Avg.)
5 Years
+12.43%
+10.94% (Cat Avg.)
10 Years
+7.70%
+8.69% (Cat Avg.)
Since Inception
+7.86%
— (Cat Avg.)
Portfolio Summaryas of 31st May 2025
| Equity | ₹15 Cr | 21.57% |
| Debt | ₹39.41 Cr | 56.67% |
| Others | ₹15.13 Cr | 21.76% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.1% Govt Stock 2029 | Bond - Gov't/Treasury | ₹5.22 Cr | 7.50% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹5.17 Cr | 7.43% |
| Indian Railway Finance Corporation Limited | Bond - Corporate Bond | ₹5.17 Cr | 7.43% |
| Au Small Finance Bank Limited | Cash - CD/Time Deposit | ₹4.89 Cr | 7.03% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹4.79 Cr | 6.89% |
| 6.79% Govt Stock 2034 | Bond - Gov't/Treasury | ₹4.75 Cr | 6.84% |
| Treps | Cash - Repurchase Agreement | ₹4.02 Cr | 5.78% |
| Tata Capital Housing Finance Limited | Bond - Corporate Bond | ₹3.07 Cr | 4.41% |
| Tata Capital Housing Finance Limited | Bond - Corporate Bond | ₹3.01 Cr | 4.33% |
| 7.18% Govt Stock 2033 | Bond - Gov't/Treasury | ₹2.81 Cr | 4.05% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹2.06 Cr | 2.97% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹2.06 Cr | 2.96% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹2.06 Cr | 2.96% |
| Bajaj Finance Limited | Bond - Corporate Bond | ₹2.04 Cr | 2.93% |
| Coforge Ltd | Equity | ₹1.33 Cr | 1.91% |
| NTPC Green Energy Ltd | Equity | ₹1.06 Cr | 1.52% |
| Export Import Bank Of India | Bond - Corporate Bond | ₹1.02 Cr | 1.47% |
| State Bank of India | Equity | ₹0.97 Cr | 1.40% |
| 364 DTB 15012026 | Bond - Gov't/Treasury | ₹0.97 Cr | 1.39% |
| Ambuja Cements Ltd | Equity | ₹0.89 Cr | 1.27% |
| Net Receivables / (Payables) | Cash | ₹0.88 Cr | 1.27% |
| TD Power Systems Ltd | Equity | ₹0.73 Cr | 1.05% |
| NTPC Ltd | Equity | ₹0.67 Cr | 0.96% |
| Power Grid Corp Of India Ltd | Equity | ₹0.67 Cr | 0.96% |
| Bharat Electronics Ltd | Equity | ₹0.62 Cr | 0.88% |
| PNB Housing Finance Ltd | Equity | ₹0.59 Cr | 0.84% |
| ICICI Bank Ltd | Equity | ₹0.58 Cr | 0.83% |
| Tata Steel Ltd | Equity | ₹0.56 Cr | 0.81% |
| SJS Enterprises Ltd | Equity | ₹0.51 Cr | 0.73% |
| ITC Ltd | Equity | ₹0.5 Cr | 0.72% |
| Sky Gold and Diamonds Ltd | Equity | ₹0.43 Cr | 0.62% |
| CreditAccess Grameen Ltd Ordinary Shares | Equity | ₹0.42 Cr | 0.61% |
| REC Ltd | Equity | ₹0.4 Cr | 0.58% |
| Avenue Supermarts Ltd | Equity | ₹0.4 Cr | 0.58% |
| Adani Ports & Special Economic Zone Ltd | Equity | ₹0.39 Cr | 0.56% |
| Bharti Airtel Ltd | Equity | ₹0.39 Cr | 0.56% |
| ABB India Ltd | Equity | ₹0.39 Cr | 0.56% |
| Steel Authority Of India Ltd | Equity | ₹0.36 Cr | 0.52% |
| 364 DTB 07082025 | Bond - Gov't/Treasury | ₹0.35 Cr | 0.50% |
| Siemens Ltd | Equity | ₹0.34 Cr | 0.49% |
| Wockhardt Ltd | Equity | ₹0.29 Cr | 0.42% |
| HDFC Bank Ltd | Equity | ₹0.29 Cr | 0.42% |
| Siemens Engy Ind | Equity | ₹0.26 Cr | 0.37% |
| 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% |
| Triveni Engineering & Industries Ltd | Equity | ₹0.17 Cr | 0.24% |
| Laxmi Dental Ltd | Equity | ₹0.15 Cr | 0.22% |
| Maruti Suzuki India Ltd | Equity | ₹0.15 Cr | 0.21% |
| Quadrant Future Tek Ltd | Equity | ₹0.08 Cr | 0.12% |
Allocation By Market Cap (Equity)
Large Cap Stocks
13.63%
Mid Cap Stocks
2.43%
Small Cap Stocks
4.80%
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹3.25 Cr | 4.68% |
| Industrials | ₹2.55 Cr | 3.66% |
| Utilities | ₹2.39 Cr | 3.44% |
| Basic Materials | ₹1.81 Cr | 2.60% |
| Technology | ₹1.53 Cr | 2.20% |
| Consumer Cyclical | ₹1.09 Cr | 1.56% |
| Consumer Defensive | ₹1.07 Cr | 1.54% |
| Healthcare | ₹0.45 Cr | 0.64% |
| Communication Services | ₹0.39 Cr | 0.56% |
| Energy | ₹0.21 Cr | 0.31% |
Risk & Performance Ratios
Standard Deviation
This fund
3.93%
Cat. avg.
3.91%
Lower the better
Sharpe Ratio
This fund
0.42
Cat. avg.
0.85
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
1.54
Higher the better
Fund Managers
Alok Singh
Since May 2012
Additional Scheme Detailsas of 31st May 2025
ISIN | INF761K01462 | Expense Ratio | 2.05% | Exit Load | 1.00% | Fund Size | ₹70 Cr | Age | 16 years 3 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:
- If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
- If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
- Holding the units: No tax is applicable as long as you continue to hold the units.
Dividend Taxation:
Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) before distributing the dividend.
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
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Nippon India Capital Protection Oriented Fund II Plan A Direct Growth Low Risk | - | - | ₹40.32 Cr | 9.7% |
| Nippon India Capital Protection Oriented Fund II Plan A Regular Growth Low Risk | - | - | ₹40.32 Cr | 8.9% |
| SBI Capital Protection Oriented Fund Series A (Plan 8) Direct Growth Low to Moderate Risk | - | - | ₹29.47 Cr | 6.6% |
| SBI Capital Protection Oriented Fund Series A (Plan 8) Regular Growth Low to Moderate Risk | - | - | ₹29.47 Cr | 6.0% |
| ICICI Prudential Regular Savings Fund Direct Growth High Risk | 1.0% | 1.0% | ₹3188.48 Cr | 9.8% |
| Navi Regular Savings Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹35.76 Cr | 11.3% |
| Bandhan Regular Savings Fund Direct Growth Moderately High risk | 1.1% | 0.0% | ₹116.61 Cr | 7.2% |
| Nippon India Hybrid Bond Fund Direct Growth High Risk | 1.1% | 1.0% | ₹885.65 Cr | 9.4% |
| ITI Conservative Hybrid Fund Regular Growth Moderate Risk | 1.6% | 0.0% | ₹14.80 Cr | 7.4% |
| ITI Conservative Hybrid Fund Direct Growth Moderate Risk | 0.2% | 0.0% | ₹14.80 Cr | 8.9% |
About the AMC
Total AUM
₹10,605 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
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- Alok Singh
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
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