Sharpe ratio
0.33Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.12%1Y Absolute Return
-0.17%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| BANK OF INDIA Conservative Hybrid Fund Fund-Direct Plan-GrowthFund 5Y annualised return | ₹9,29,129 | ₹7,32,612 | ₹1,96,517 | +9.73% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age13.8 yrs
Fund information
Scheme code119393
ISININF761K01819
BenchmarkCRISIL Hybrid 85+15 Conservative Index
CategoryDebt Scheme - Medium to Long Duration Fund
Expense ratio1.18%
Exit loadExit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months.
Minimum SIP₹1,000 SIP
Return comparison
25th / 101 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +28.66% | — | — |
| 3M | +3.13% | — | — |
| 6M | +4.99% | — | — |
| 1Y | +3.12% | — | +1.72% |
| 3Y | +6.81% | — | +4.29% |
| 5Y | +9.73% | — | +4.03% |
| 10Y | +7.48% | — | — |
| Since Launch | +8.17% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.57Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
3.44%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.53How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt53.98%
Cash28.43%
Equity17.59%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 41 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Repo | Unspecified | Repo | 25.8% |
| CENTRAL GOVERNMENT LOAN 31568 GOI 18AP29 7.10 FV RS 100 | Entities | GOI Securities | 7.87% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 175 7.57 BD 18AP29 FVRS1LAC | Financial | Non Convertible Debenture | 7.79% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR F24 7.68 BD 30AP29 FVRS1LAC | Financial | Debenture | 7.77% |
| TATA CAPITAL HOUSING FINANCE LIMITED SR F 7.73 NCD 14JN30 FVRS1LAC | Financial | Debenture | 4.61% |
| MUTHOOT FINANCE LIMITED 8.90 NCD 07OT27 FVRS1LAC | Financial | Non Convertible Debenture | 3.87% |
| POWER FINANCE CORPORATION LIMITED SR 237A 7.60 BD 13AP29 FVRS1LAC | Financial | Non Convertible Debenture | 3.11% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR VIII 7.49 BD 11JU29 FVRS1LAC | Financial | Bonds | 3.09% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR II 7.47 BD 05SP29 FVRS1LAC | Financial | Bonds/NCDs | 3.09% |
| BAJAJ FINANCE LIMITED 8.1167 NCD 10MY27 FVRS1LAC | Financial | Non Convertible Debenture | 3.08% |
Fund management
AL
Alok Singh
Since 2012 · Prior to joining Bank of India AMC he has worked with BNP Paribas Asset Management and Axis Bank
Mr. Singh is a CFA and PGDBA from ICFAI Business School.
Compare similar funds
No comparable category funds are available yet.
Summary
A moderate-risk debt scheme - medium to long duration fund. Well spread out — top 10 holdings are only 12% of the portfolio. Has fallen sharply before — down -15.4% at its worst.
Strengths
- Well spread out — top 10 holdings are only 12% of the portfolio.
- Same fund manager for 14+ years — the strategy has not chopped and changed.
- Ranks 25 of 101 in its category over 1 year.
Weaknesses
- Has fallen sharply before — down -15.4% at its worst.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- None