Bank of India Conservative Hybrid Fund

Data as on 04^th feb 2025

Fund Type : An Open Ended Hybrid Scheme investing predominantly in debt instruments

Entry Load : Nil

Date of Allotment : March 18, 2009

Features : Liquity SIP SWP STP
Benchmark :
CRISIL Hybrid 85 + 15 - Conservative Index
Exit Load :
- If redeemed/switched-out within 3 months from the date of allotment: - For 10% of investments: Nil - For remaining investments:1%
- If redeemed/switched-out after 3 months from the date of allotment: Nil
Product Leaflet

Investment Objective

The Scheme seeks to generate income through investments in fixed income securities and also to generate long term capital appreciation by investing a portion in equity and equity related instruments. However, there is no assurance that the investment objective of the scheme will be achieved.

Fund Manager

Alok Singh

CFA and PGDBA from ICFAI Business School.

See detail

Around 20 years of experience, including 16 years in mutual fund industry.

He is managing this fund since May 21, 2012.

Fund Highlights

An open ended conservative hybrid fund with a mandate to invest 75%-90% in debt & money market instruments and 10-25% in equity and equity related securities.
The equity component offers investors the opportunity for higher returns as compared to traditional fixed income instruments.
The fixed income component offers stability of portfolio as the major part of the portfolio is always invested in debt / money market instruments.
An ideal investment avenue for the traditional fixed income investor who wants some exposure to equity
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Riskometer

Scheme Riskometer:

Investor understand that their principal will be at very high risk

The above Riskometer is based on the portfolio as on 30th June, 2026.

This product is suitable for investors who are seeking*:

Long term capital appreciation and regular income.
Investment in equity and equity related securities (10% - 25%) as well as fixed income securities (Debt / Money Market Instruments / Govt. Securities).

Benchmark Riskometer : CRISIL Hybrid 85+15 - Conservative Index:

*Investor should consult their financial advisor if in doubt about whether the product is suitable for them

The above Benchmark Riskometer is based on the portfolio as on 30th June, 2026.

Top 10 Portfolio Holdings

Portfolio Details	% to Net Assets
TREPS / Reverse Repo Investments	26.7%
Government of India	12.8%
Indian Railway Finance Corporation Limited	7.9%
National Bank For Agriculture and Rural Development	7.8%
Tata Capital Housing Finance Limited	4.7%
Muthoot Finance Limited	3.9%
Power Finance Corporation Limited	3.1%
Small Industries Dev Bank of India	3.1%
Nirma Limited	3.1%

Credit Profile

29.8%

AAA

26.7%

TREPS

19.3%

Equity

12.8%

SOV

4.7%

3.9%

AA+

2.8%

Others*

Asset Allocation

38.4%

CORPORATE DEBT

29.2%

Cash & Other Receivables

19.3%

Equity Holdings

12.8%

GOVERNMENT BOND AND TREASURY BILL

0.3%

CDMDF

Fund Performance

Scheme
Benchmark

Total Expense Ratio

Performance for Regular-Growth Plan

					Current Value of Standard Investment of Rs 10000 in the
Date	NAV Per Unit(Rs.)	Scheme Returns(%)^	Benchmark Returns #(%)	Additional Benchmark Returns # #(%)	Scheme (Rs)	Benchmark #(Rs)	Additional Benchmark # #(Rs)
1 Year	34.2060	2.87 %	4.30 %	2.27 %	10287	10430	10227
3 Years	29.4747	6.08 %	7.86 %	6.78 %	11938	12550	12176
5 Years	22.4413	9.40 %	7.11 %	5.34 %	15680	14106	12971
10 Years	18.1583	6.83 %	8.17 %	5.92 %	19378	21951	17781
Since inception	10.0000	7.51 %	8.95 %	5.89 %	35188	44386	27038

^ Past performance may or may not be sustained in the future
# CRISIL Hybrid 85 + 15 - Conservative Index
# # CRISIL 10 Year Gilt Index

1. Mr. Alok Singh has been managing this scheme from May 21, 2012. In addition to this, he manages 7 other open-ended schemes and co-manages 2 scheme of Bank of India Mutual Fund.
2. Period for which scheme’s performance has been provided is computed basis on last working day of the Month-end preceding the date of publication.
3. Different plans shall have a different expense structure