Bank Of India Conservative Hybrid Fund Review: Plans, NAV, Returns and Portfolio Analysis 2026

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.

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.

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Bank Of India Conservative Hybrid Fund Plans and Options Available

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.

Scheme Code	Plan	Option	ISIN (Growth / Payout)	ISIN (Reinvestment)	NAV (Rs)	NAV Date
119394	Direct Plan	Monthly IDCW	INF761K01835	INF761K01827	16.9333	20-Jul-2026
119395	Direct Plan	Quarterly IDCW	INF761K01850	INF761K01843	18.6772	20-Jul-2026
119396	Direct Plan	Annual IDCW	INF761K01793	INF761K01801	17.3218	20-Jul-2026
119393	Direct Plan	Growth	INF761K01819	-	38.0149	20-Jul-2026
111717	ECO Plan	Monthly IDCW	INF761K01413	INF761K01405	27.698	20-Jul-2026
111718	ECO Plan	Quarterly IDCW	INF761K01439	INF761K01421	10.3674	01-Jan-2021
111715	ECO Plan	Growth	INF761K01397	-	36.5653	20-Jul-2026
111716	Regular Plan	Monthly IDCW	INF761K01488	INF761K01470	18.1222	20-Jul-2026
111713	Regular Plan	Quarterly IDCW	INF761K01504	INF761K01496	18.783	20-Jul-2026
111714	Regular Plan	Annual IDCW	INF761K01454	INF761K01447	17.0872	20-Jul-2026
111712	Regular Plan	Growth	INF761K01462	-	35.1996	20-Jul-2026

Investment Objective and Portfolio Approach

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.

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.

Bank Of India Conservative Hybrid Fund Performance and Returns

Bank Of India Conservative Hybrid Fund has delivered returns that are dependent on the fund manager'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.

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.

Direct Plan vs Regular Plan: Key Differences in Bank Of India Conservative Hybrid Fund

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.

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.

Growth Option vs IDCW Option in Bank Of India Conservative Hybrid Fund

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.

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.

Expense Ratio and Exit Load

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's assets.

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.

Who Should Consider Bank Of India Conservative Hybrid Fund

Conservative income seekers. Bank Of India Conservative Hybrid Fund suits investors looking for stable income with lower volatility than equity funds.

Medium term investors. A holding period matching the scheme's duration target is generally advisable for Bank Of India Conservative Hybrid Fund.

Investors stepping down risk. The scheme can be suitable for investors shifting from equity to debt as they approach a financial goal.

Key Risks in the scheme

Interest rate risk. The NAV of the scheme is sensitive to changes in interest rates and benchmark yields.

Credit risk. Debt holdings carry issuer credit risk, and any downgrade or default in the portfolio can affect NAV.

Reinvestment risk. Maturing bonds may need to be reinvested at lower yields in a falling interest rate environment.

How to Invest in Bank Of India Conservative Hybrid Fund

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.

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.

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.

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Conclusion

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's performance since launch. Investors should review the latest scheme information document and consult a SEBI registered advisor before investing.

Frequently Asked Questions on Bank Of India Conservative Hybrid Fund

What plans and options are available in Bank Of India Conservative Hybrid Fund?

Ans. 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.

What is the latest NAV of Bank Of India Conservative Hybrid Fund?

Ans. 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.

What is the investment objective of Bank Of India Conservative Hybrid Fund?

Ans. 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.

What is the difference between the Direct and Regular Plan in Bank Of India Conservative Hybrid Fund?

Ans. 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.

What is the expense ratio of Bank Of India Conservative Hybrid Fund?

Ans. 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.

What is the exit load on Bank Of India Conservative Hybrid Fund?

Ans. 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.

Who should invest in Bank Of India Conservative Hybrid Fund?

Ans. 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.

Is Bank Of India Conservative Hybrid Fund a good investment?

Ans. 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.