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 | 1Y | 3Y CAGR | 5Y CAGR |
|---|---|---|---|---|---|
| Regular Growth | ₹34.9345 | +0.04% | +2.94% | +6.85% | +10.14% |
Portfolio Metrics(latest month)
vs Category Peers
Highly DifferentiatedActive Share = ½Σ|wfund − wpeer|, computed using leave-one-out peer portfolio within SEBI category.
Similar Funds in Category
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.
Frequently Asked Questions
How many stocks does Bank of India Conservative Hybrid Fund hold?
Bank of India Conservative Hybrid Fund holds 46 stocks as per the latest AMFI portfolio disclosure. The top 5 positions account for 33.15% of NAV.
What is the largest holding in Bank of India Conservative Hybrid Fund?
The largest position in Bank of India Conservative Hybrid Fund is TREPS, accounting for 18.30% of NAV.
Is Bank of India Conservative Hybrid Fund a concentrated or diversified fund?
With a Gini coefficient of 0.575, Bank of India Conservative Hybrid Fund is moderately concentrated. The HHI concentration index is 33,586 bps, which is above the 2500 bps threshold for high concentration. The top 5 holdings together make up 33.15% of the portfolio.
What is the market cap allocation of Bank of India Conservative Hybrid Fund?
Based on SEBI's AMFI classification, Bank of India Conservative Hybrid Fund's equity portfolio is split as: Large Cap: 14.98%, Mid Cap: 3.95%, Small Cap: 2.45%. This reflects the fund's positioning within the market cap spectrum.
Which sectors does Bank of India Conservative Hybrid Fund invest in most?
Bank of India Conservative Hybrid Fund has the highest allocation to CRISIL AAA (32.08%), SOVEREIGN (18.37%), CRISIL AA+ (3.85%). The fund is invested across 28 sectors in total.
How actively managed is Bank of India Conservative Hybrid Fund compared to other Conservative Hybrid Fund funds?
Bank of India Conservative Hybrid Fund has an Active Share of 78.76%, classifying it as "Highly Differentiated" among 16 Conservative Hybrid Fund peers. This means the fund takes significantly different stock positions compared to its category peers.
What changed in Bank of India Conservative Hybrid Fund's portfolio in the latest month?
Between 2026-03-31 and 2026-04-30, Bank of India Conservative Hybrid Fund added 6 new stocks (including Siemens Limited). Total holding count increased from 42 to 48 stocks.