{"id":181778,"date":"2026-08-03T15:51:09","date_gmt":"2026-08-03T10:21:09","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=181778"},"modified":"2026-08-03T15:51:12","modified_gmt":"2026-08-03T10:21:12","slug":"bank-of-india-conservative-hybrid-fund-review","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/","title":{"rendered":"Bank Of India Conservative Hybrid Fund Review: Plans, NAV, Returns and Portfolio Analysis 2026"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>Bank Of India Conservative Hybrid Fund has 11 plan\/option variants. Representative NAV Rs 38.0149 (20-Jul-2026). Category Medium To Long Duration Fund. Risk Moderately High.<\/em><\/p>\n<p>Bank Of India Conservative Hybrid Fund is a medium to long duration fund offered by Bank of India Mutual Fund, available in Direct and ECO and Regular Plans across Monthly IDCW, Quarterly IDCW, Annual IDCW, Growth. The scheme aims to generate income by investing in debt and money market instruments such that the Macaulay duration of the portfolio stays between 4 years and 7 years. With multiple variants, Bank Of India Conservative Hybrid Fund lets investors choose between different cost structures and payout approaches within the same base scheme.<\/p>\n<p>This article reviews Bank Of India Conservative Hybrid Fund across all its available plans and options, covering the latest NAV, expense ratio, portfolio approach, performance, exit load and investor suitability, based on publicly available data as of August 2026.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=bank-of-india-conservative-hybrid-fund\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#Bank_Of_India_Conservative_Hybrid_Fund_Plans_and_Options_Available\" title=\"Bank Of India Conservative Hybrid Fund Plans and Options Available\">Bank Of India Conservative Hybrid Fund Plans and Options Available<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#Investment_Objective_and_Portfolio_Approach\" title=\"Investment Objective and Portfolio Approach\">Investment Objective and Portfolio Approach<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#Bank_Of_India_Conservative_Hybrid_Fund_Performance_and_Returns\" title=\"Bank Of India Conservative Hybrid Fund Performance and Returns\">Bank Of India Conservative Hybrid Fund Performance and Returns<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#Direct_Plan_vs_Regular_Plan_Key_Differences_in_Bank_Of_India_Conservative_Hybrid_Fund\" title=\"Direct Plan vs Regular Plan: Key Differences in Bank Of India Conservative Hybrid Fund\">Direct Plan vs Regular Plan: Key Differences in Bank Of India Conservative Hybrid Fund<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#Growth_Option_vs_IDCW_Option_in_Bank_Of_India_Conservative_Hybrid_Fund\" title=\"Growth Option vs IDCW Option in Bank Of India Conservative Hybrid Fund\">Growth Option vs IDCW Option in Bank Of India Conservative Hybrid Fund<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#Expense_Ratio_and_Exit_Load\" title=\"Expense Ratio and Exit Load\">Expense Ratio and Exit Load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#Who_Should_Consider_Bank_Of_India_Conservative_Hybrid_Fund\" title=\"Who Should Consider Bank Of India Conservative Hybrid Fund\">Who Should Consider Bank Of India Conservative Hybrid Fund<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#Key_Risks_in_the_scheme\" title=\"Key Risks in the scheme\">Key Risks in the scheme<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#How_to_Invest_in_Bank_Of_India_Conservative_Hybrid_Fund\" title=\"How to Invest in Bank Of India Conservative Hybrid Fund\">How to Invest in Bank Of India Conservative Hybrid Fund<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#Frequently_Asked_Questions_on_Bank_Of_India_Conservative_Hybrid_Fund\" title=\"Frequently Asked Questions on Bank Of India Conservative Hybrid Fund\">Frequently Asked Questions on Bank Of India Conservative Hybrid Fund<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#What_plans_and_options_are_available_in_Bank_Of_India_Conservative_Hybrid_Fund\" title=\"What plans and options are available in Bank Of India Conservative Hybrid Fund?\">What plans and options are available in Bank Of India Conservative Hybrid Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#What_is_the_latest_NAV_of_Bank_Of_India_Conservative_Hybrid_Fund\" title=\"What is the latest NAV of Bank Of India Conservative Hybrid Fund?\">What is the latest NAV of Bank Of India Conservative Hybrid Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#What_is_the_investment_objective_of_Bank_Of_India_Conservative_Hybrid_Fund\" title=\"What is the investment objective of Bank Of India Conservative Hybrid Fund?\">What is the investment objective of Bank Of India Conservative Hybrid Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#What_is_the_difference_between_the_Direct_and_Regular_Plan_in_Bank_Of_India_Conservative_Hybrid_Fund\" title=\"What is the difference between the Direct and Regular Plan in Bank Of India Conservative Hybrid Fund?\">What is the difference between the Direct and Regular Plan in Bank Of India Conservative Hybrid Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#What_is_the_expense_ratio_of_Bank_Of_India_Conservative_Hybrid_Fund\" title=\"What is the expense ratio of Bank Of India Conservative Hybrid Fund?\">What is the expense ratio of Bank Of India Conservative Hybrid Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#What_is_the_exit_load_on_Bank_Of_India_Conservative_Hybrid_Fund\" title=\"What is the exit load on Bank Of India Conservative Hybrid Fund?\">What is the exit load on Bank Of India Conservative Hybrid Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#Who_should_invest_in_Bank_Of_India_Conservative_Hybrid_Fund\" title=\"Who should invest in Bank Of India Conservative Hybrid Fund?\">Who should invest in Bank Of India Conservative Hybrid Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-review\/#Is_Bank_Of_India_Conservative_Hybrid_Fund_a_good_investment\" title=\"Is Bank Of India Conservative Hybrid Fund a good investment?\">Is Bank Of India Conservative Hybrid Fund a good investment?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Bank_Of_India_Conservative_Hybrid_Fund_Plans_and_Options_Available\"><\/span><strong>Bank Of India Conservative Hybrid Fund Plans and Options Available<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bank Of India Conservative Hybrid Fund is offered across 11 scheme codes. The table below lists all available variants with ISIN codes and latest NAV figures.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\" border=\"1\" cellspacing=\"0\" cellpadding=\"6\">\n<tbody>\n<tr>\n<td><strong>Scheme Code<\/strong><\/td>\n<td><strong>Plan<\/strong><\/td>\n<td><strong>Option<\/strong><\/td>\n<td><strong>ISIN (Growth \/ Payout)<\/strong><\/td>\n<td><strong>ISIN (Reinvestment)<\/strong><\/td>\n<td><strong>NAV (Rs)<\/strong><\/td>\n<td><strong>NAV Date<\/strong><\/td>\n<\/tr>\n<tr>\n<td>119394<\/td>\n<td>Direct Plan<\/td>\n<td>Monthly IDCW<\/td>\n<td>INF761K01835<\/td>\n<td>INF761K01827<\/td>\n<td>16.9333<\/td>\n<td>20-Jul-2026<\/td>\n<\/tr>\n<tr>\n<td>119395<\/td>\n<td>Direct Plan<\/td>\n<td>Quarterly IDCW<\/td>\n<td>INF761K01850<\/td>\n<td>INF761K01843<\/td>\n<td>18.6772<\/td>\n<td>20-Jul-2026<\/td>\n<\/tr>\n<tr>\n<td>119396<\/td>\n<td>Direct Plan<\/td>\n<td>Annual IDCW<\/td>\n<td>INF761K01793<\/td>\n<td>INF761K01801<\/td>\n<td>17.3218<\/td>\n<td>20-Jul-2026<\/td>\n<\/tr>\n<tr>\n<td>119393<\/td>\n<td>Direct Plan<\/td>\n<td>Growth<\/td>\n<td>INF761K01819<\/td>\n<td>&#8211;<\/td>\n<td>38.0149<\/td>\n<td>20-Jul-2026<\/td>\n<\/tr>\n<tr>\n<td>111717<\/td>\n<td>ECO Plan<\/td>\n<td>Monthly IDCW<\/td>\n<td>INF761K01413<\/td>\n<td>INF761K01405<\/td>\n<td>27.698<\/td>\n<td>20-Jul-2026<\/td>\n<\/tr>\n<tr>\n<td>111718<\/td>\n<td>ECO Plan<\/td>\n<td>Quarterly IDCW<\/td>\n<td>INF761K01439<\/td>\n<td>INF761K01421<\/td>\n<td>10.3674<\/td>\n<td>01-Jan-2021<\/td>\n<\/tr>\n<tr>\n<td>111715<\/td>\n<td>ECO Plan<\/td>\n<td>Growth<\/td>\n<td>INF761K01397<\/td>\n<td>&#8211;<\/td>\n<td>36.5653<\/td>\n<td>20-Jul-2026<\/td>\n<\/tr>\n<tr>\n<td>111716<\/td>\n<td>Regular Plan<\/td>\n<td>Monthly IDCW<\/td>\n<td>INF761K01488<\/td>\n<td>INF761K01470<\/td>\n<td>18.1222<\/td>\n<td>20-Jul-2026<\/td>\n<\/tr>\n<tr>\n<td>111713<\/td>\n<td>Regular Plan<\/td>\n<td>Quarterly IDCW<\/td>\n<td>INF761K01504<\/td>\n<td>INF761K01496<\/td>\n<td>18.783<\/td>\n<td>20-Jul-2026<\/td>\n<\/tr>\n<tr>\n<td>111714<\/td>\n<td>Regular Plan<\/td>\n<td>Annual IDCW<\/td>\n<td>INF761K01454<\/td>\n<td>INF761K01447<\/td>\n<td>17.0872<\/td>\n<td>20-Jul-2026<\/td>\n<\/tr>\n<tr>\n<td>111712<\/td>\n<td>Regular Plan<\/td>\n<td>Growth<\/td>\n<td>INF761K01462<\/td>\n<td>&#8211;<\/td>\n<td>35.1996<\/td>\n<td>20-Jul-2026<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Investment_Objective_and_Portfolio_Approach\"><\/span><strong>Investment Objective and Portfolio Approach<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bank Of India Conservative Hybrid Fund seeks to generate income by investing in debt and money market instruments such that the Macaulay duration of the portfolio stays between 4 years and 7 years.<\/p>\n<p>In terms of portfolio construction, the scheme holds a mix of government securities and corporate bonds targeting a Macaulay duration of 4 to 7 years, offering higher interest rate sensitivity than shorter duration categories.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bank_Of_India_Conservative_Hybrid_Fund_Performance_and_Returns\"><\/span><strong>Bank Of India Conservative Hybrid Fund Performance and Returns<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bank Of India Conservative Hybrid Fund has delivered returns that are dependent on the fund manager&#8217;s portfolio decisions, market conditions and the expense ratio differential between plans; investors should check the latest factsheet for current figures. Performance across individual plans and options may vary slightly due to differing expense ratios and whether gains are paid out under the IDCW option or reinvested under the Growth option.<\/p>\n<p>The Direct Plan of any mutual fund typically delivers a slightly higher return than the Regular Plan of the same scheme over time, since it charges a lower expense ratio by excluding distributor commission. Investors should review the latest scheme factsheet from the AMC for current performance figures.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Direct_Plan_vs_Regular_Plan_Key_Differences_in_Bank_Of_India_Conservative_Hybrid_Fund\"><\/span><strong>Direct Plan vs Regular Plan: Key Differences in Bank Of India Conservative Hybrid Fund<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Direct Plan of Bank Of India Conservative Hybrid Fund is available for investors transacting directly with the AMC or through a registered investment advisor, and carries lower than the Regular Plan of the same scheme, since it excludes distributor commission. The Regular Plan carries not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener.<\/p>\n<p>Over longer holding periods, the compounding effect of this cost difference can be meaningful, which is why cost conscious investors often prefer the Direct Plan when they are comfortable transacting without distributor support.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Growth_Option_vs_IDCW_Option_in_Bank_Of_India_Conservative_Hybrid_Fund\"><\/span><strong>Growth Option vs IDCW Option in Bank Of India Conservative Hybrid Fund<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Growth option of Bank Of India Conservative Hybrid Fund reinvests any gains back into the scheme NAV, supporting long term wealth compounding for investors who do not need periodic payouts.<\/p>\n<p>The IDCW option of Bank Of India Conservative Hybrid Fund distributes available surplus to unit holders according to the chosen frequency, subject to the fund house declaring a distribution. Payouts under any IDCW option are not guaranteed and depend on distributable surplus.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Expense_Ratio_and_Exit_Load\"><\/span><strong>Expense Ratio and Exit Load<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The expense ratio for the Regular Plan of Bank Of India Conservative Hybrid Fund is not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener, while the Direct Plan carries lower than the Regular Plan of the same scheme, since it excludes distributor commission. This is the annual fee deducted from the scheme&#8217;s assets.<\/p>\n<p>The exit load on Bank Of India Conservative Hybrid Fund is a small exit load for redemptions within a short period; investors should confirm in the scheme information document.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Who_Should_Consider_Bank_Of_India_Conservative_Hybrid_Fund\"><\/span><strong>Who Should Consider Bank Of India Conservative Hybrid Fund<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Conservative income seekers.<\/strong> Bank Of India Conservative Hybrid Fund suits investors looking for stable income with lower volatility than equity funds.<\/p>\n<p><strong>Medium term investors.<\/strong> A holding period matching the scheme&#8217;s duration target is generally advisable for Bank Of India Conservative Hybrid Fund.<\/p>\n<p><strong>Investors stepping down risk.<\/strong> The scheme can be suitable for investors shifting from equity to debt as they approach a financial goal.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Risks_in_the_scheme\"><\/span><strong>Key Risks in the scheme<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Interest rate risk.<\/strong> The NAV of the scheme is sensitive to changes in interest rates and benchmark yields.<\/p>\n<p><strong>Credit risk.<\/strong> Debt holdings carry issuer credit risk, and any downgrade or default in the portfolio can affect NAV.<\/p>\n<p><strong>Reinvestment risk.<\/strong> Maturing bonds may need to be reinvested at lower yields in a falling interest rate environment.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Invest_in_Bank_Of_India_Conservative_Hybrid_Fund\"><\/span><strong>How to Invest in Bank Of India Conservative Hybrid Fund<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Investors evaluating Bank Of India Conservative Hybrid Fund should begin by deciding between the Direct and Regular Plan, and between the Growth option for long term compounding and the IDCW option for periodic payouts.<\/p>\n<p>Completing KYC through a SEBI registered intermediary or the AMC portal is mandatory before investing for the first time. Investors who have existing KYC registration can proceed directly.<\/p>\n<p>Investment in Bank Of India Conservative Hybrid Fund can be made as a lump sum or through a Systematic Investment Plan of at least Rs 1,000 lump sum for most medium duration funds, followed by regular monitoring of NAV and portfolio composition at least quarterly.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check the Univest Screener for Live Mutual Fund and Stock Data<\/strong><\/a><\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Bank Of India Conservative Hybrid Fund NAV updates and get research backed investment ideas.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bank Of India Conservative Hybrid Fund is a medium to long duration fund scheme from Bank of India Mutual Fund available across 11 plan and option variants, giving investors flexibility in cost structure and payout approach. The representative NAV of Rs 38.0149 for the Direct Plan Growth option as on 20-Jul-2026 reflects the scheme&#8217;s performance since launch. Investors should review the latest scheme information document and consult a SEBI registered advisor before investing.<\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_on_Bank_Of_India_Conservative_Hybrid_Fund\"><\/span><strong>Frequently Asked Questions on Bank Of India Conservative Hybrid Fund<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_plans_and_options_are_available_in_Bank_Of_India_Conservative_Hybrid_Fund\"><\/span><strong>What plans and options are available in Bank Of India Conservative Hybrid Fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bank Of India Conservative Hybrid Fund is available in Direct and ECO and Regular Plans and Monthly IDCW, Quarterly IDCW, Annual IDCW, Growth, giving investors 11 scheme codes to choose from depending on cost preference and payout requirements.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_latest_NAV_of_Bank_Of_India_Conservative_Hybrid_Fund\"><\/span><strong>What is the latest NAV of Bank Of India Conservative Hybrid Fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The latest NAV of the Direct Plan Growth option of Bank Of India Conservative Hybrid Fund is Rs 38.0149 as on 20-Jul-2026. NAVs for all plan and option variants are updated at the end of every business day.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_investment_objective_of_Bank_Of_India_Conservative_Hybrid_Fund\"><\/span><strong>What is the investment objective of Bank Of India Conservative Hybrid Fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The primary objective of Bank Of India Conservative Hybrid Fund is to generate income by investing in debt and money market instruments such that the Macaulay duration of the portfolio stays between 4 years and 7 years.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_difference_between_the_Direct_and_Regular_Plan_in_Bank_Of_India_Conservative_Hybrid_Fund\"><\/span><strong>What is the difference between the Direct and Regular Plan in Bank Of India Conservative Hybrid Fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The Direct Plan of Bank Of India Conservative Hybrid Fund carries lower than the Regular Plan of the same scheme, since it excludes distributor commission, excluding distributor commission. The Regular Plan carries not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener. The lower cost of the Direct Plan can improve long term compounding.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_expense_ratio_of_Bank_Of_India_Conservative_Hybrid_Fund\"><\/span><strong>What is the expense ratio of Bank Of India Conservative Hybrid Fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The Regular Plan of Bank Of India Conservative Hybrid Fund carries an expense ratio of not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener, and the Direct Plan carries lower than the Regular Plan of the same scheme, since it excludes distributor commission. The exact current figure can be confirmed in the latest AMC factsheet.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_exit_load_on_Bank_Of_India_Conservative_Hybrid_Fund\"><\/span><strong>What is the exit load on Bank Of India Conservative Hybrid Fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The exit load on Bank Of India Conservative Hybrid Fund is a small exit load for redemptions within a short period; investors should confirm in the scheme information document. Investors should confirm this in the current scheme information document before redeeming.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Who_should_invest_in_Bank_Of_India_Conservative_Hybrid_Fund\"><\/span><strong>Who should invest in Bank Of India Conservative Hybrid Fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bank Of India Conservative Hybrid Fund can suit investors whose financial goals, risk appetite and investment horizon align with the medium to long duration fund category. Consult a SEBI registered advisor to assess personal suitability.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Bank_Of_India_Conservative_Hybrid_Fund_a_good_investment\"><\/span><strong>Is Bank Of India Conservative Hybrid Fund a good investment?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bank Of India Conservative Hybrid Fund can be appropriate for investors who understand the medium to long duration fund category mandate and are comfortable with the associated risk. Past performance does not guarantee future returns.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What plans and options are available in Bank Of India Conservative Hybrid Fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bank Of India Conservative Hybrid Fund is available in Direct and ECO and Regular Plans and Monthly IDCW, Quarterly IDCW, Annual IDCW, Growth, giving investors 11 scheme codes to choose from depending on cost preference and payout requirements.\"}},{\"@type\":\"Question\",\"name\":\"What is the latest NAV of Bank Of India Conservative Hybrid Fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The latest NAV of the Direct Plan Growth option of Bank Of India Conservative Hybrid Fund is Rs 38.0149 as on 20-Jul-2026. NAVs for all plan and option variants are updated at the end of every business day.\"}},{\"@type\":\"Question\",\"name\":\"What is the investment objective of Bank Of India Conservative Hybrid Fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The primary objective of Bank Of India Conservative Hybrid Fund is to generate income by investing in debt and money market instruments such that the Macaulay duration of the portfolio stays between 4 years and 7 years.\"}},{\"@type\":\"Question\",\"name\":\"What is the difference between the Direct and Regular Plan in Bank Of India Conservative Hybrid Fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Direct Plan of Bank Of India Conservative Hybrid Fund carries lower than the Regular Plan of the same scheme, since it excludes distributor commission, excluding distributor commission. The Regular Plan carries not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener. The lower cost of the Direct Plan can improve long term compounding.\"}},{\"@type\":\"Question\",\"name\":\"What is the expense ratio of Bank Of India Conservative Hybrid Fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Regular Plan of Bank Of India Conservative Hybrid Fund carries an expense ratio of not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener, and the Direct Plan carries lower than the Regular Plan of the same scheme, since it excludes distributor commission. The exact current figure can be confirmed in the latest AMC factsheet.\"}},{\"@type\":\"Question\",\"name\":\"What is the exit load on Bank Of India Conservative Hybrid Fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The exit load on Bank Of India Conservative Hybrid Fund is a small exit load for redemptions within a short period; investors should confirm in the scheme information document. Investors should confirm this in the current scheme information document before redeeming.\"}},{\"@type\":\"Question\",\"name\":\"Who should invest in Bank Of India Conservative Hybrid Fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bank Of India Conservative Hybrid Fund can suit investors whose financial goals, risk appetite and investment horizon align with the medium to long duration fund category. Consult a SEBI registered advisor to assess personal suitability.\"}},{\"@type\":\"Question\",\"name\":\"Is Bank Of India Conservative Hybrid Fund a good investment?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bank Of India Conservative Hybrid Fund can be appropriate for investors who understand the medium to long duration fund category mandate and are comfortable with the associated risk. Past performance does not guarantee future returns.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>A comprehensive review of Bank Of India Conservative Hybrid Fund covering all plans and options, latest NAV, expense ratio, returns, exit load and investor suitability.<\/p>\n","protected":false},"author":28,"featured_media":181777,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[842],"tags":[3802],"class_list":["post-181778","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-news"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["181777"],"_edit_lock":["1785752533:28"],"_last_editor_used_jetpack":["block-editor"],"rank_math_primary_category":["842"],"rank_math_seo_score":["79"],"rank_math_title":["Bank Of India Conservative Hybrid Fund Review and NAV 2026"],"rank_math_description":["Bank Of India 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