{"id":241916,"date":"2026-09-10T16:19:59","date_gmt":"2026-09-10T10:49:59","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-direct-growth-review-2026\/"},"modified":"2026-09-10T16:19:59","modified_gmt":"2026-09-10T10:49:59","slug":"bank-of-india-conservative-hybrid-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/bank-of-india-conservative-hybrid-fund-direct-growth-review-2026\/","title":{"rendered":"Bank of India Conservative Hybrid Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/bank-of-india-conservative-hybrid-fund-g-direct-plan\">Bank of India Conservative Hybrid Fund Direct Growth Plan<\/a> has a NAV of \u20b938.1114 as of 09 Sep 2026 and scheme AUM of \u20b965 Cr. Its 1-year, 3-year and 5-year returns are 3.98%, 6.71% and 9.79%, and the fund sits in the Medium Risk category.<\/p>\n<p>Our view is that this is a conservative hybrid option with a steadier long-term profile than its short-term numbers suggest. The portfolio holds a meaningful debt and cash mix, so the return pattern is shaped more by accumulation than by sharp swings.<\/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-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/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-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/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-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Bank_of_India_Conservative_Hybrid\" title=\"Should you BUY or HOLD Bank of India Conservative Hybrid?\">Should you BUY or HOLD Bank of India Conservative Hybrid?<\/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-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/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-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/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-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/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-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/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-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/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-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/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-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/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-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b938.1114 as of 09 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b965 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>1.24%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>01 Jan 2013<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b91,000<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Medium Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Hybrid<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>Nil for 10% of investment and 1% for remaining investment on or before 1Y, Nil after 1Y<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Alok Singh<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Alok Singh.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>-0.13%<\/td>\n<td>-4.69%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.43%<\/td>\n<td>0.93%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>3.98%<\/td>\n<td>-7.16%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>6.71%<\/td>\n<td>6%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>9.79%<\/td>\n<td>5.87%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Recent performance has been mixed but not disruptive. The 1-month return is slightly negative, yet it still compares well with the benchmark\u2019s weaker one-month reading, and the 3-month return is modestly positive. That tells us the fund has been relatively stable through a choppy spell rather than showing strong near-term acceleration.<\/p>\n<p>The longer view is more important for this scheme. The 1-year return of 3.98% is clearly above the benchmark\u2019s -7.16%, which indicates better resilience over the last year. The 3-year return of 6.71% is close to the benchmark\u2019s 6%, so the edge there is limited, while the 5-year return of 9.79% is ahead of the benchmark\u2019s 5.87%. That pattern points to a fund that has compounded reasonably well over time, even if the most recent run has not been especially strong.<\/p>\n<p>The longer-horizon pattern also looks steadier than the market\u2019s shorter swings. The fund\u2019s return path over 3 years and 5 years suggests gradual compounding rather than abrupt jumps, which is consistent with a conservative hybrid structure. For investors, that usually matters more than one or two soft months: the key question is whether the fund can keep building returns without relying on aggressive risk-taking.<\/p>\n<p>Compared with the benchmark, our view is that the fund has held up better on the 1-year and 5-year windows and roughly matched the benchmark over 3 years. That makes the trailing picture more balanced than the recent monthly numbers alone would suggest.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Bank_of_India_Conservative_Hybrid\"><\/span>Should you BUY or HOLD Bank of India Conservative Hybrid?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Bank of India Conservative Hybrid? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bank-of-india-conservative-hybrid-fund-g-direct-plan\">Bank of India Conservative Hybrid Fund Direct Growth Plan<\/a><\/td>\n<td>3.98%<\/td>\n<td>6.71%<\/td>\n<td>9.79%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/nippon-india-conservative-hybrid-fund-g-direct-plan\">Nippon India Conservative Hybrid Fund Direct Growth Plan<\/a><\/td>\n<td>7.43%<\/td>\n<td>8.73%<\/td>\n<td>8.32%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/parag-parikh-conservative-hybrid-fund-g-direct-plan\">Parag Parikh Conservative Hybrid Fund Direct Growth Plan<\/a><\/td>\n<td>5.96%<\/td>\n<td>9.53%<\/td>\n<td>9.52%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/sbi-conservative-hybrid-fund-g-direct-plan\">SBI Conservative Hybrid Fund Direct Growth Plan<\/a><\/td>\n<td>5.75%<\/td>\n<td>8.46%<\/td>\n<td>8.74%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/baroda-bnp-paribas-conservative-hybrid-fund-g-direct-plan\">Baroda BNP Paribas Conservative Hybrid Fund Direct Growth Plan<\/a><\/td>\n<td>5.68%<\/td>\n<td>8.56%<\/td>\n<td>7.6%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-conservative-hybrid-fund-g-direct-plan\">Aditya Birla SL Conservative Hybrid Fund Direct Growth Plan<\/a><\/td>\n<td>5.43%<\/td>\n<td>8.8%<\/td>\n<td>8.19%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>The current fund trails several peers on the 1-year measure, but its 5-year return is ahead of some of them and close to the better long-term figures in the set. That split tells us the short-term picture is weaker than the longer-term picture. In other words, this scheme has not been the strongest recent mover, but its multi-year compounding remains competitive enough to keep it relevant for conservative investors who care more about consistency than speed.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>TREPS<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>17.71%<\/td>\n<\/tr>\n<tr>\n<td>7.1% Government of India (18\/04\/2029)<\/td>\n<td>Government Securities<\/td>\n<td>7.81%<\/td>\n<\/tr>\n<tr>\n<td>7.57% Indian Railway Finance Corporation Limited (18\/04\/2029) **<\/td>\n<td>Corporate Debt<\/td>\n<td>7.69%<\/td>\n<\/tr>\n<tr>\n<td>7.68% National Bank for Agriculture and Rural Development (30\/04\/2029) **<\/td>\n<td>Corporate Debt<\/td>\n<td>7.66%<\/td>\n<\/tr>\n<tr>\n<td>Punjab National Bank (12\/03\/2027) #<\/td>\n<td>Certificate of Deposit<\/td>\n<td>5.92%<\/td>\n<\/tr>\n<tr>\n<td>7.73% Tata Capital Housing Finance Limited (14\/01\/2030) **<\/td>\n<td>Corporate Debt<\/td>\n<td>4.57%<\/td>\n<\/tr>\n<tr>\n<td>6.27% Power Finance Corporation Limited (15\/07\/2027)<\/td>\n<td>Corporate Debt<\/td>\n<td>4.55%<\/td>\n<\/tr>\n<tr>\n<td>8.9% Muthoot Finance Limited (07\/10\/2027) **<\/td>\n<td>Corporate Debt<\/td>\n<td>3.84%<\/td>\n<\/tr>\n<tr>\n<td>8.1167% Bajaj Finance Limited (10\/05\/2027) **<\/td>\n<td>Corporate Debt<\/td>\n<td>3.07%<\/td>\n<\/tr>\n<tr>\n<td>8.5% Nirma Limited (07\/04\/2027) **<\/td>\n<td>Corporate Debt<\/td>\n<td>3.07%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The top 10 holdings account for approximately 65.89% of the portfolio.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/bank-of-india-conservative-hybrid-fund-g-direct-plan\">Bank of India Conservative Hybrid Fund Direct Growth Plan<\/a> page<\/p>\n<p>The largest holding is TREPS at 17.71%, which is large enough to matter to day-to-day portfolio behaviour. After that, weights drop into a cluster of government security, certificate of deposit and corporate debt positions in the 7% to 6% area, so there is a clear fall from the largest holding to the rest of the top tier.<\/p>\n<p>The tenth holding is still 3.07%, so the decline from the first to the tenth is meaningful but not extreme. That shape suggests the portfolio is not reliant on a single position, even though the first few holdings could have greater influence on short-term movement than the smaller ones.<\/p>\n<p>With 65.89% in the displayed top 10 and 35 disclosed holdings in total, the fund looks moderately concentrated at the visible end but still spread across a longer tail beyond those positions. That mix is consistent with a conservative hybrid strategy where cash, sovereign debt and diversified debt exposures may help keep the overall profile relatively restrained.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund is better suited to investors who are comfortable with Medium Risk and want a conservative hybrid profile rather than a pure equity-style growth path. The 1-year return has been modest, but the 3-year and 5-year numbers show that the fund has compounded more steadily over time than the latest month-by-month numbers might suggest.<\/p>\n<p>The benchmark comparison also matters here: the fund has done better over 1 year and 5 years, while the 3-year gap is small. That makes it more appropriate for a medium-to-long horizon investor who values relative stability and can accept that near-term returns may lag stronger peer funds in some periods. The trade-off is straightforward: you may give up some upside in exchange for a portfolio that leans heavily on debt, cash and other lower-volatility exposures.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load:<\/strong> Nil for 10% of investment and 1% for the remaining investment if units are sold on or before 1 year; no exit load after the holding period.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>What is the current NAV of Bank of India Conservative Hybrid Fund Direct Growth Plan?<\/strong><br \/>The current NAV is \u20b938.1114 as of 09 Sep 2026.<\/p>\n<p><strong>What are the 1-year, 3-year and 5-year returns?<\/strong><br \/>The fund\u2019s 1-year return is 3.98%, its 3-year return is 6.71%, and its 5-year return is 9.79%.<\/p>\n<p><strong>How does the fund compare with the benchmark?<\/strong><br \/>It has outpaced the benchmark over 1 year and 5 years, while the 3-year gap is small. The benchmark return figures are -7.16% for 1 year, 6% for 3 years and 5.87% for 5 years.<\/p>\n<p><strong>How does it compare with peer funds on returns?<\/strong><br \/>Its 1-year return is lower than several peers in the comparison set, while its 5-year return is competitive with the stronger longer-term figures. The short-term and long-term comparisons tell different stories.<\/p>\n<p><strong>What is the risk category of this fund?<\/strong><br \/>It is classified as Medium Risk. The portfolio also leans on cash, government securities and debt holdings, which fits that profile.<\/p>\n<p><strong>Who manages the fund and what is the exit load?<\/strong><br \/>The fund is managed by Alok Singh. The exit load is nil for 10% of investment and 1% for the remaining investment if units are sold on or before 1 year; there is no exit load after the holding period.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bank of India Conservative Hybrid Fund Direct Growth Plan shows a clearer long-term story than a short-term one. The 1-year return is modest relative to several peers, but the 5-year return is more competitive and sits above the benchmark. Its Medium Risk profile and debt-heavy portfolio mix make it more suitable for investors who want steadier participation rather than aggressive upside.<\/p>\n<p>The main characteristic to note is the large allocation to cash and debt instruments at the top of the portfolio, which may help smooth the ride but can also limit sharp growth spurts. For investors with a medium-to-long horizon who are comfortable with a conservative hybrid approach, the fund may fit as a stability-first allocation rather than a return-chasing one.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 10 September 2026 at 4:17 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Bank of India Conservative Hybrid Fund Direct Growth Plan\",\"identifier\":\"bank-of-india-conservative-hybrid-fund-g-direct-plan\",\"category\":\"Hybrid\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":38.1114,\"valueReference\":\"as of 09 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"65 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"1.24\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":3.98},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":6.71},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":9.79},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Alok Singh\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Bank of India Conservative Hybrid Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b938.1114 as of 09 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s 1-year return is 3.98%, its 3-year return is 6.71%, and its 5-year return is 9.79%.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with the benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has outpaced the benchmark over 1 year and 5 years, while the 3-year gap is small. The benchmark return figures are -7.16% for 1 year, 6% for 3 years and 5.87% for 5 years.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer funds on returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return is lower than several peers in the comparison set, while its 5-year return is competitive with the stronger longer-term figures. The short-term and long-term comparisons tell different stories.\"}},{\"@type\":\"Question\",\"name\":\"What is the risk category of this fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It is classified as Medium Risk. The portfolio also leans on cash, government securities and debt holdings, which fits that profile.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Alok Singh. The exit load is nil for 10% of investment and 1% for the remaining investment if units are sold on or before 1 year; there is no exit load after the holding period.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bank of India Conservative Hybrid Fund Direct Growth Plan has a NAV of \u20b938.1114 as of 09 Sep 2026 and AUM of \u20b965 Cr. Its 1-year, 3-year and 5-year returns are 3.98%, 6.71% and 9.79% respectively, with a Medium Risk profile.<\/p>\n","protected":false},"author":38,"featured_media":241913,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-241916","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["241913"],"rank_math_title":["Bank of India Conservative Hybrid Fund Review"],"rank_math_description":["Bank of India Conservative Hybrid Fund Direct Growth NAV \u20b938.1114; 1Y return 3.98%, 5Y return 9.79% as of 09 Sep 2026."],"rank_math_focus_keyword":["Bank of India Conservative Hybrid Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/Bank_of_India_Conservative_Hybrid_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/241916","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=241916"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/241916\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/241913"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=241916"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=241916"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=241916"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}