Previously Known As : Boi Axa Regular Return Fund
Bank Of India Conservative Hybrid Fund Datagrid
Category Medium to Long Duration Fund
BMSMONEY Rank 5
Rating
Growth Option 04-12-2025
NAV ₹34.62(R) -0.3% ₹37.18(D) -0.29%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 3.24% 7.17% 10.51% 7.82% 7.49%
Direct 4.19% 7.96% 11.24% 8.51% 8.16%
Benchmark
SIP (XIRR) Regular 5.24% 6.43% 7.95% 9.02% 7.93%
Direct 6.18% 7.34% 8.76% 9.78% 8.63%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.47 0.22 0.56 0.45% 0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
3.76% -2.23% -3.6% 0.86 2.66%
Fund AUM As on: 30/06/2025 69 Cr
Top Medium to Long Duration Fund
Fund Name Rank Rating
Icici Prudential Bond Fund 1
JM Medium to Long Duration Fund 2
LIC MF Medium to Long Duration Fund 3

NAV Date: 04-12-2025

Scheme Name NAV Rupee Change Percent Change
BANK OF INDIA Conservative Hybrid Fund-Direct Plan-Monthly IDCW 16.56
-0.0500
-0.2900%
BANK OF INDIA Conservative Hybrid Fund-Regular Plan-Annual IDCW 16.81
-0.0500
-0.3000%
BANK OF INDIA Conservative Hybrid Fund-Direct Plan-Annual IDCW 16.94
-0.0500
-0.2900%
BANK OF INDIA Conservative Hybrid Fund-Regular Plan-Monthly IDCW 17.82
-0.0500
-0.3000%
BANK OF INDIA Conservative Hybrid Fund-Direct Plan-Quarterly IDCW 18.27
-0.0500
-0.2900%
BANK OF INDIA Conservative Hybrid Fund-Regular Plan-Quarterly IDCW 18.48
-0.0500
-0.3000%
BANK OF INDIA Conservative Hybrid Fund-ECO Plan-Monthly IDCW 27.18
-0.0800
-0.2900%
BANK OF INDIA Conservative Hybrid Fund-Regular Plan-Growth 34.62
-0.1000
-0.3000%
BANK OF INDIA Conservative Hybrid Fund-ECO Plan-Growth 35.89
-0.1100
-0.2900%
BANK OF INDIA Conservative Hybrid Fund Fund-Direct Plan-Growth 37.18
-0.1100
-0.2900%

Review Date: 04-12-2025

Beginning of Analysis

Bank of India Conservative Hybrid Fund is the 5th ranked fund in the Medium to Long Duration Fund category. The category has total 13 funds. The 4 star rating shows a very good past performance of the Bank of India Conservative Hybrid Fund in Medium to Long Duration Fund. The fund has a Jensen Alpha of 0.45% which is higher than the category average of -0.73%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 0.47 which is lower than the category average of 0.56.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Medium to Long Duration Mutual Funds are ideal for long-term investors seeking higher returns by taking advantage of interest rate movements. These funds invest in debt instruments with a portfolio duration of 4 to 7 years, making them highly sensitive to interest rate changes. While they offer the potential for significant capital appreciation in a falling interest rate environment, they also carry higher risks, including interest rate risk and volatility. Investors should carefully assess their risk tolerance, investment horizon, and financial goals before investing in these funds. Additionally, choosing funds managed by experienced professionals can help navigate interest rate cycles effectively.

Bank of India Conservative Hybrid Fund Return Analysis

  • The fund has given a return of -0.26%, 1.76 and 1.94 in last one, three and six months respectively. In the same period the category average return was 0.15%, 1.41% and 0.63% respectively.
  • Bank of India Conservative Hybrid Fund has given a return of 4.19% in last one year. In the same period the Medium to Long Duration Fund category average return was 5.89%.
  • The fund has given a return of 7.96% in last three years and ranked 2.0nd out of 13 funds in the category. In the same period the Medium to Long Duration Fund category average return was 7.48%.
  • The fund has given a return of 11.24% in last five years and ranked 1st out of 13 funds in the category. In the same period the Medium to Long Duration Fund category average return was 6.3%.
  • The fund has given a return of 8.16% in last ten years and ranked 2nd out of 13 funds in the category. In the same period the category average return was 7.16%.
  • The fund has given a SIP return of 6.18% in last one year whereas category average SIP return is 4.75%. The fund one year return rank in the category is 1st in 13 funds
  • The fund has SIP return of 7.34% in last three years and ranks 6th in 13 funds. LIC MF Medium to Long Duration Fund has given the highest SIP return (8.04%) in the category in last three years.
  • The fund has SIP return of 8.76% in last five years whereas category average SIP return is 6.31%.

Bank of India Conservative Hybrid Fund Risk Analysis

  • The fund has a standard deviation of 3.76 and semi deviation of 2.66. The category average standard deviation is 2.36 and semi deviation is 1.74.
  • The fund has a Value at Risk (VaR) of -2.23 and a maximum drawdown of -3.6. The category average VaR is -1.69 and the maximum drawdown is -1.66. The fund has a beta of 0.87 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Medium to Long Duration Fund Category
  • Good Performance in Medium to Long Duration Fund Category
  • Poor Performance in Medium to Long Duration Fund Category
  • Very Poor Performance in Medium to Long Duration Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.32
    0.09
    		-0.32 | 0.25 13 | 13 Poor
    3M Return % 1.55
    1.24
    		0.61 | 1.55 1 | 13 Very Good
    6M Return % 1.49
    0.28
    		-0.31 | 1.49 1 | 13 Very Good
    1Y Return % 3.24
    5.13
    		3.24 | 6.45 13 | 13 Poor
    3Y Return % 7.17
    6.69
    		5.76 | 7.48 2 | 13 Very Good
    5Y Return % 10.51
    5.51
    		4.02 | 10.51 1 | 13 Very Good
    7Y Return % 7.82
    6.34
    		3.76 | 7.82 1 | 13 Very Good
    10Y Return % 7.49
    6.36
    		4.13 | 7.49 1 | 13 Very Good
    15Y Return % 7.76
    7.19
    		6.58 | 7.84 2 | 11 Very Good
    1Y SIP Return % 5.24
    4.00
    		2.75 | 5.24 1 | 13 Very Good
    3Y SIP Return % 6.43
    6.39
    		5.43 | 7.21 7 | 13 Good
    5Y SIP Return % 7.95
    5.53
    		4.37 | 7.95 1 | 13 Very Good
    7Y SIP Return % 9.02
    5.85
    		4.80 | 9.02 1 | 13 Very Good
    10Y SIP Return % 7.93
    5.98
    		4.44 | 7.93 1 | 13 Very Good
    15Y SIP Return % 7.73
    6.35
    		4.54 | 7.73 1 | 13 Very Good
    Standard Deviation 3.76
    2.36
    		1.95 | 3.76 13 | 13 Poor
    Semi Deviation 2.66
    1.74
    		1.43 | 2.66 13 | 13 Poor
    Max Drawdown % -3.60
    -1.66
    		-3.60 | -0.86 13 | 13 Poor
    VaR 1 Y % -2.23
    -1.69
    		-2.28 | -0.98 12 | 13 Average
    Average Drawdown % -1.57
    -0.60
    		-1.57 | -0.28 13 | 13 Poor
    Sharpe Ratio 0.47
    0.56
    		0.21 | 1.01 9 | 13 Average
    Sterling Ratio 0.56
    0.61
    		0.52 | 0.70 11 | 13 Average
    Sortino Ratio 0.22
    0.25
    		0.09 | 0.47 8 | 13 Good
    Jensen Alpha % 0.45
    -0.73
    		-2.26 | 0.86 2 | 13 Very Good
    Treynor Ratio 0.02
    0.01
    		0.00 | 0.02 2 | 13 Very Good
    Modigliani Square Measure % 4.34
    6.33
    		4.34 | 8.08 13 | 13 Poor
    Alpha % -0.93
    -1.32
    		-2.21 | -0.53 5 | 13 Good
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.26 0.15 -0.26 | 0.29 13 | 13 Poor
    3M Return % 1.76 1.41 0.90 | 1.76 1 | 13 Very Good
    6M Return % 1.94 0.63 0.12 | 1.94 1 | 13 Very Good
    1Y Return % 4.19 5.89 4.19 | 7.21 13 | 13 Poor
    3Y Return % 7.96 7.48 6.65 | 8.12 2 | 13 Very Good
    5Y Return % 11.24 6.30 4.71 | 11.24 1 | 13 Very Good
    7Y Return % 8.51 7.13 4.53 | 8.51 1 | 13 Very Good
    10Y Return % 8.16 7.16 4.99 | 8.21 2 | 13 Very Good
    1Y SIP Return % 6.18 4.75 3.73 | 6.18 1 | 13 Very Good
    3Y SIP Return % 7.34 7.18 6.25 | 8.04 6 | 13 Good
    5Y SIP Return % 8.76 6.31 5.07 | 8.76 1 | 13 Very Good
    7Y SIP Return % 9.78 6.64 5.53 | 9.78 1 | 13 Very Good
    10Y SIP Return % 8.63 6.78 5.17 | 8.63 1 | 13 Very Good
    Standard Deviation 3.76 2.36 1.95 | 3.76 13 | 13 Poor
    Semi Deviation 2.66 1.74 1.43 | 2.66 13 | 13 Poor
    Max Drawdown % -3.60 -1.66 -3.60 | -0.86 13 | 13 Poor
    VaR 1 Y % -2.23 -1.69 -2.28 | -0.98 12 | 13 Average
    Average Drawdown % -1.57 -0.60 -1.57 | -0.28 13 | 13 Poor
    Sharpe Ratio 0.47 0.56 0.21 | 1.01 9 | 13 Average
    Sterling Ratio 0.56 0.61 0.52 | 0.70 11 | 13 Average
    Sortino Ratio 0.22 0.25 0.09 | 0.47 8 | 13 Good
    Jensen Alpha % 0.45 -0.73 -2.26 | 0.86 2 | 13 Very Good
    Treynor Ratio 0.02 0.01 0.00 | 0.02 2 | 13 Very Good
    Modigliani Square Measure % 4.34 6.33 4.34 | 8.08 13 | 13 Poor
    Alpha % -0.93 -1.32 -2.21 | -0.53 5 | 13 Good
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Bank Of India Conservative Hybrid Fund NAV Regular Growth Bank Of India Conservative Hybrid Fund NAV Direct Growth
    04-12-2025 34.6223 37.1772
    03-12-2025 34.6516 37.2079
    02-12-2025 34.7248 37.2856
    01-12-2025 34.7146 37.2739
    28-11-2025 34.7269 37.2845
    27-11-2025 34.7504 37.309
    26-11-2025 34.7602 37.3187
    25-11-2025 34.6595 37.2097
    24-11-2025 34.6307 37.178
    21-11-2025 34.6603 37.2073
    20-11-2025 34.7611 37.3146
    19-11-2025 34.7457 37.2972
    18-11-2025 34.7447 37.2954
    17-11-2025 34.7871 37.34
    14-11-2025 34.7782 37.3279
    13-11-2025 34.7628 37.3105
    12-11-2025 34.7984 37.3479
    11-11-2025 34.7189 37.2619
    10-11-2025 34.7247 37.2671
    07-11-2025 34.6467 37.181
    06-11-2025 34.6342 37.1668
    04-11-2025 34.7342 37.2723

    Fund Launch Date: 28/Jan/2009
    Fund Category: Medium to Long Duration Fund
    Investment Objective: The Scheme seeks to generate regular income through investments in fixed income securitiesand also to generate long term capital appreciation by investing a portion in equity andequity related instruments. However, there can be no assurance that the income can begenerated, regular or otherwise, or the investment objectives of the Scheme will be realized.
    Fund Description: An open ended hybrid scheme investing predominantly in debt instruments
    Fund Benchmark: CRISIL Hybrid 85 + 15 - Conservative Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.