DebtMedium to Long Duration FundDirect · Growth
BANK OF INDIA Conservative Hybrid Fund Fund-Direct Plan-Growth
Bank of India · Scheme 119393
₹38.15▼ 0.09%NAV · 2026-09-18
Decent FundScore
AUM
₹64 cr
Expense ratio
1.18%
3Y CAGR
7.4%
Risk level
Moderate
Min SIP
₹1,000
Benchmark
CRISIL Medium to Long Duration Debt Index
Fund manager: Alok SinghExit load: Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months.
Decent · 60/100
A solid option with a few areas worth a closer look.
🎯 Suited to short-to-medium horizons and investors wanting stability over growth.
📈 Why it could do well
- ✓Very consistent — delivers dependably across market cycles, ideal for SIPs.
- ✓Protects capital well — worst-ever fall was only 15%.
- ✓Low volatility (6% a year) — a steady, low-drama ride.
- ✓5Y CAGR vs category: +3.6% vs category avg
- ✓Positive 3Y windows: 97% of rolling 3Y windows positive
- ✓Return stability: rolling-return std 4.9%
📉 What could drag it down
- •Weak risk-adjusted returns (Sharpe 0.34) — took on risk without enough payoff.
- •3Y CAGR: +7.4%
- •10Y CAGR: +7.5%
FundScore breakdown
60/100 · Decent
Returns
Weak
Consistency
Excellent
Risk-adjusted
Weak
Downside protection
Excellent
Cost efficiency
Decent
Portfolio quality
Average
Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.
SIP return calculator
Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.