Bank of India Conservative Hybrid Fund Direct-Growth
Hybrid: Conservative Hybrid - Growth (Open ended) Factsheet
SEBI Riskometer: ModerateCategory: Hybrid: Conservative HybridBenchmark: CRISIL Hybrid 85+15 Conservative Index
NAV: ₹37.9-0.05%
24 Jul 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Bank of India Conservative Hybrid Fund Direct-Growth.
Market Cap Distribution
Large Cap (71.8%)
Mid Cap (18.1%)
Small Cap (10.1%)
Historical Asset Allocation
| Asset | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 | 31 Jan 2026 |
|---|---|---|---|---|---|---|
| Equity | 17.59% | 21.17% | 22.26% | 19.49% | 16.41% | 17.12% |
| Debt | 53.98% | 59.52% | 57.70% | 58.66% | 58.44% | 67.90% |
| Others (incl. cash) | 28.43% | 19.31% | 20.04% | 21.85% | 25.15% | 14.98% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Portfolio Snapshot
No. of Securities
40
P/E Ratio
18.86
P/B Ratio
2.91
Top Holding %
28.43%
Top 5 Holdings %
56.47%
Top 10 Holdings %
72.71%
Modified Duration
1.66 yrs
Avg. Maturity
2.02 yrs
Yield to Maturity
6.58%
AUM
₹65 Cr
Expense Ratio
1.18%
Since Inception
8.23%
Max Drawdown
-0.15%
Sharpe Ratio
0.37
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| Glenmark Pharmaceuticals Ltd. | Healthcare | 7,000 | 1.54 | 2.37% | -0.11%↓ |
| Power Finance Corporation Ltd. | Financial | 24,000 | 1.02 | 1.56% | -0.04%↓ |
| State Bank of India | Financial | 9,000 | 0.92 | 1.42% | 0.33%↑ |
| NTPC Ltd. | Energy | 22,500 | 0.8 | 1.23% | -0.13%↓ |
| Adani Ports and Special Economic Zone Ltd. | Services | 3,850 | 0.7 | 1.07% | -0.01%↓ |
| ICICI Bank Ltd. | Financial | 5,000 | 0.69 | 1.06% | 0.28%↑ |
| Bharat Electronics Ltd. | Capital Goods | 15,992 | 0.66 | 1.01% | -0.01%↓ |
| Power Grid Corporation Of India Ltd. | Energy | 23,000 | 0.66 | 1.01% | -0.03%↓ |
| Asian Paints Ltd. | Materials | 2,250 | 0.59 | 0.91% | -0.03%↓ |
| Siemens Ltd. | Capital Goods | 1,500 | 0.54 | 0.83% | -0.07%↓ |
| SJS Enterprises Ltd. | Automobile | 1,966 | 0.44 | 0.67% | 0.02%↑ |
| MRF Ltd. | Automobile | 32 | 0.41 | 0.63% | 0.01%↑ |
| Bharti Airtel Ltd. | Communication | 2,100 | 0.39 | 0.60% | 0.00% |
| Reliance Industries Ltd. | Energy | 2,900 | 0.38 | 0.58% | -0.02%↓ |
| Ultratech Cement Ltd. | Materials | 290 | 0.33 | 0.50% | - |
| Sky Gold And Diamonds Ltd. | Consumer Discretionary | 6,000 | 0.32 | 0.49% | 0.00% |
| Kotak Mahindra Bank Ltd. | Financial | 7,500 | 0.29 | 0.45% | 0.00% |
| Britannia Industries Ltd. | Consumer Staples | 500 | 0.26 | 0.40% | -0.01%↓ |
| Triveni Engineering & Industries Ltd. | Consumer Staples | 3,800 | 0.16 | 0.25% | 0.03%↑ |
| Max Financial Services Ltd. | Financial | 792 | 0.13 | 0.19% | -0.02%↓ |
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Sector-wise Portfolio Allocation
Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.
| Sector | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 | 31 Jan 2026 |
|---|---|---|---|---|---|---|
| Financial | 4.68% | 4.13% | 3.86% | 3.25% | 2.04% | 2.08% |
| Energy | 2.82% | 3.08% | 3.12% | 2.97% | 2.84% | 2.66% |
| Healthcare | 2.51% | 2.63% | 2.70% | 2.42% | 2.41% | 2.33% |
| Capital Goods | 1.88% | 1.93% | 1.94% | 1.00% | 1.09% | 1.12% |
| Materials | 1.41% | 2.06% | 1.93% | 1.76% | 2.04% | 2.13% |
| Automobile | 1.30% | 1.27% | 1.69% | 1.62% | 1.22% | 1.70% |
| Services | 1.07% | 1.08% | 0.98% | 0.79% | 0.89% | 0.86% |
| Consumer Staples | 0.65% | 0.63% | 1.84% | 2.45% | 2.63% | 1.63% |
| Communication | 0.60% | 0.60% | 0.61% | 0.58% | 0.60% | 0.65% |
| Consumer Discretionary | 0.49% | 0.49% | 0.42% | 0.30% | 0.33% | 0.52% |
| Technology | 0.15% | 0.15% | 0.17% | 0.13% | 0.16% | 0.21% |
| Metals & Mining | 0.03% | 3.12% | 3.00% | 2.22% | 0.16% | 1.23% |
Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| AAA | 32.54% | 18.91% |
| Cash & Call Money | 28.43% | 13.93% |
| SOV | 12.61% | 24.22% |
| AA | 4.62% | 4.44% |
| AA+ | 3.87% | 4.20% |
| Others | 0.34% | 0.18% |
| A | - | 0.79% |
| A+ | - | 1.56% |
| A- | - | 0.25% |
| A1+ | - | 3.31% |
| AA- | - | 0.96% |
| B+ | - | 1.85% |
| B- | - | 2.24% |
| BBB+ | - | 0.00% |
| Cash | - | 0.21% |
| D | - | 0.09% |
| Term Deposits | - | 0.01% |
| Unrated | - | 0.09% |
Equity Insights
A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.
Style Analysis
Value score
41.4 / 100
Weighted average Value score is 41.4. This indicates that portfolio is relatively reasonably valued using composite of value measures.
Price Momentum score
68.1 / 100
Weighted average Price Momentum score is 68.1. This indicates that portfolio has average momentum using composite of momentum measures.
Quality score
75.9 / 100
Weighted average Quality score is 75.9. This indicates that portfolio has high quality using composite of quality measures.
QVM score
70.7 / 100
Weighted average QVM score is 70.7. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.
Red Flags
Debt Insights
A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.
SEBI PRC matrix
Credit risk
| Interest risk | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| GOI | GOI Securities | 7.10% | 18/04/2029 | SOV | 7.87% |
| Indian Railway Finance Corporation Ltd. | Non Convertible Debenture | 7.57% | 18/04/2029 | CRISIL AAA | 7.79% |
| National Bank For Agriculture & Rural Development | Debenture | 7.68% | 30/04/2029 | CRISIL AAA | 7.77% |
| Tata Capital Housing Finance Ltd. | Debenture | 7.73% | 14/01/2030 | CRISIL AAA | 4.61% |
| Muthoot Finance Ltd. | Non Convertible Debenture | 8.90% | 07/10/2027 | CRISIL AA+ | 3.87% |
| Power Finance Corporation Ltd. | Non Convertible Debenture | 7.60% | 13/04/2029 | CRISIL AAA | 3.11% |
| Small Industries Devp. Bank of India Ltd. | Bonds | 7.49% | 11/06/2029 | CRISIL AAA | 3.09% |
| Small Industries Devp. Bank of India Ltd. | Bonds/NCDs | 7.47% | 05/09/2029 | CRISIL AAA | 3.09% |
| Bajaj Finance Ltd. | Non Convertible Debenture | 8.12% | 10/05/2027 | CRISIL AAA | 3.08% |
| Nirma Ltd. | Debenture | 8.50% | 07/04/2027 | CRISIL AA | 3.08% |
| GOI | GOI Securities | 6.48% | 06/10/2035 | SOV | 2.66% |
| GOI | GOI Securities | 6.94% | 11/05/2036 | SOV | 1.56% |
| Manappuram Finance Ltd. | Non Convertible Debenture | 9.10% | 19/08/2026 | CRISIL AA | 1.54% |
| Reserve Bank of India | Treasury Bills | 0.00% | 364-D 07/01/2027 | SOV | 0.52% |
Frequently Asked Questions
What are the top holdings of Bank of India Conservative Hybrid Fund Direct-Growth?
The top holdings of Bank of India Conservative Hybrid Fund Direct-Growth as of 30 Jun 2026 are Others (28.43%), GOI (7.87%), Indian Railway Finance Corporation Ltd. (7.79%), National Bank For Agriculture & Rural Development (7.77%), Tata Capital Housing Finance Ltd. (4.61%). These top 5 stocks together account for 56.47% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does Bank of India Conservative Hybrid Fund Direct-Growth hold in its portfolio?
Bank of India Conservative Hybrid Fund Direct-Growth holds 40 stocks in its portfolio as of 30 Jun 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of Bank of India Conservative Hybrid Fund Direct-Growth?
As of 30 Jun 2026, Bank of India Conservative Hybrid Fund Direct-Growth's top sector allocations are Financial (4.68%), Energy (2.82%), Healthcare (2.51%). You can find detailed sector allocation above.
What is the equity and debt allocation of Bank of India Conservative Hybrid Fund Direct-Growth?
As of 30 Jun 2026, Bank of India Conservative Hybrid Fund Direct-Growth has 17.59% allocated to equity, and 53.98% to debt. You can also check the historical trends above.
What is the market cap allocation of Bank of India Conservative Hybrid Fund Direct-Growth?
As of 30 Jun 2026, Bank of India Conservative Hybrid Fund Direct-Growth's market cap allocation is 71.80% in large caps, 18.14% in mid caps, and 10.06% in small caps.
What is the PE ratio of Bank of India Conservative Hybrid Fund Direct-Growth's portfolio?
The portfolio PE ratio of Bank of India Conservative Hybrid Fund Direct-Growth is 18.86 as of 30 Jun 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.
What is the credit quality of Bank of India Conservative Hybrid Fund Direct-Growth?
As of 30 Jun 2026, Bank of India Conservative Hybrid Fund Direct-Growth's debt portfolio has 32.54% in AAA-rated instruments, 4.62% in AA-rated, and 12.61% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.
When is the latest portfolio disclosure for Bank of India Conservative Hybrid Fund Direct-Growth?
The latest portfolio disclosure for Bank of India Conservative Hybrid Fund Direct-Growth is as of 30 Jun 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.