Bank of India Conservative Hybrid Fund
Bank of India Conservative Hybrid maintains a defensive posture with substantial cash reserves and heavy concentration in AAA-rated securities and government bonds, signaling a cautious stance on credit risk. The manager's recent shift reducing receivables by 20 percent while adding selective equity exposure in power and metals suggests a tactical pivot toward inflation hedges while preserving capital safety. This positioning reflects conviction that near-term rate stability justifies minimal equity risk despite the scheme's 21.8 percent allocation to stocks.
Portfolio analysis · April 2026
NAV & Returns
| Plan | NAV | 1M | 3M | 6M | 1Y | 3Y CAGR | 5Y CAGR |
|---|---|---|---|---|---|---|---|
| Regular Growth | ₹34.8393 | +0.47% | +0.45% | +0.18% | +3.23% | +6.84% | +10.08% |
Portfolio Metrics(latest month)
What Changed2026-03-31 → 2026-04-30
| Stock | Weight |
|---|---|
| Siemens Limited | 0.87% |
| Vedanta Aluminium Metal Limited ** | 0.34% |
| Malco Energy Limited ** | 0.07% |
| Vedanta Iron And Steel Limited ** | 0.02% |
| Talwandi Sabo Power Limited ** | 0.01% |
| TREPS | 18.30% |
Full Holdings
| # | Holding | % to NAV |
|---|---|---|
| 1 | TREPS | 18.30% |
| 2 | 7.1% Government of India (18/04/2029) IN0020220011 | 7.79% |
| 3 | 7.57% Indian Railway Finance Corporation Limited (18/04/2029) ** INE053F08353 | 7.66% |
| 4 | 7.68% National Bank For Agriculture and Rural Development (30/04/2029) INE261F08EG3 | 7.64% |
| 5 | 6.33% Government of India (05/05/2035) IN0020250026 | 5.24% |
| 6 | 6.48% Government of India (06/10/2035) IN0020250091 | 4.82% |
| 7 | 7.73% Tata Capital Housing Finance Limited (14/01/2030) ** INE033L07IM5 | 4.57% |
| 8 | 8.9% Muthoot Finance Limited (07/10/2027) ** INE414G07JI3 | 3.85% |
| 9 | 9.10% Manappuram Finance Limited (19/08/2026) ** INE522D07CH7 | 3.07% |
| 10 | 8.1167% Bajaj Finance Limited (10/05/2027) ** INE296A07SX7 | 3.07% |
| 11 | 7.6% Power Finance Corporation Limited (13/04/2029) ** INE134E08MX3 | 3.06% |
| 12 | 7.49% Small Industries Dev Bank of India (11/06/2029) ** INE556F08KX8 | 3.04% |
| 13 | 7.47% Small Industries Dev Bank of India (05/09/2029) ** INE556F08KR0 | 3.04% |
| 14 | Glenmark Pharmaceuticals Limited INE935A01035 | 2.58% |
| 15 | Net Receivables / (Payables) | 1.74% |
| 16 | Power Finance Corporation Limited INE134E01011 | 1.65% |
| 17 | NTPC Limited INE733E01010 | 1.37% |
| 18 | State Bank of India INE062A01020 | 1.19% |
| 19 | ITC Limited INE154A01025 | 1.16% |
| 20 | Power Grid Corporation of India Limited INE752E01010 | 1.12% |
Sector Allocation
Top 10 sectors by % to NAV. Excludes derivatives.