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Bank of India Conservative Hybrid Fund(M-IDCW)

IDCW
HybridConservative Hybrid Fund
Small-size FundAssets Under Mgmt: ₹ 65 Cr
Moderately High RiskPrinciple investment will be at moderately high risk
15.710.28% (+0.04)

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Returns
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Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Fund has been able to generate better returns compared to other funds in the same category

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

HybridConservative Hybrid Fund
Small-size FundAssets Under Mgmt: ₹ 65 Cr
Moderately High RiskPrinciple investment will be at moderately high risk

Key Metrics

Expense RatioExpense RatioNo LabelNo LabelNo LabelNo Label
1.287.131.84
No LabelNo LabelNo LabelNo LabelNo LabelNo Label
1.367.412.86

Scheme Info

PlanPlanLock inLock inExit LoadExit Load
IDCW0 yrs1.00%
Nil for 10% of investment and 1% for remaining investment on or before 1Y Nil after 1Y
SIP Inv.SIP Inv.Min. LumpsumMin. Lumpsum
Allowed₹ 10,000
Initial: ₹ 10,000 Incremental: ₹ 1,000
BenchmarkBenchmark
CRISIL Hybrid 85+15 - Conservative Index

About Conservative Hybrid Fund

Conservative Hybrid funds have exposure to both debt and equity instruments. They primarily invest in FD-like instruments with some allocation to stocks. They are designed to slightly surpass the average rate of inflation.

Peers & Comparison

Comparing 3 mutual funds from 
HybridConservative Hybrid Fund
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Mutual Fund1Y Returns1Y Returns3Y CAGR3Y CAGRLife CAGRLife CAGR
Bank of India Conservative Hybrid Fund(M-IDCW)12.47%13.54%2.56%
SBI Conservative Hybrid Fund(A-IDCW Payout)15.25%10.55%7.25%
HDFC Hybrid Debt Fund(Q-IDCW Reinv)8.28%3.28%1.87%
ICICI Pru Regular Savings Fund(H-IDCW Payout)1.18%0.52%3.13%

Price Comparison

Compare Bank of India Conservative Hybrid Fund(M-IDCW) with any MF, ETF, stock or index
Compare Bank of India Conservative Hybrid Fund(M-IDCW) with any MF, ETF, stock or index
Bank of India Conservative Hybrid Fund(M-IDCW)
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Asset Allocation

Actual

Target

Dec 2023

Mar 2024

Jun 2024

Sep 2024

ACTUAL
+2 moreCommercial PaperCash & EquivalentsEquityGovernment SecuritiesCorporate Debt4.69%8.70%15.78%18.03%22.64%30.15%

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Tickertape Separator

Sector Distribution

+20 moreSpecialized FinanceConsumer FinanceMiscellaneousPublic BanksG-Sec27.83 %5.90 %10.89 %13.56 %14.77 %27.04 %

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Tickertape Separator

Sector Weightage

Jun 23Sep 23Dec 23Mar 24Jun 24Sep 2423.91%31.30%36.16%33.91%30.11%27.04%
G-Sec as a % of total holdings for last six quarters
Tickertape Separator

Current Holdings

Equity

Debt

Others

  • Constituent
    Holding Weight
    3M Change
  • Reliance Industries Ltd
    RELIANCE
    3M change : 0.72 %

    Holdings

    2.41 %

    0.72 %
  • NTPC Ltd
    NTPC
    3M change : 0.30 %

    Holdings

    1.33 %

    0.30 %
  • State Bank of India
    SBIN
    3M change : 0.03 %

    Holdings

    1.18 %

    0.03 %

AMC Profile

Bank of India Investment Managers (formerly BOI AXA Investment Managers) is a wholly owned subsidiary of Bank of India, which was founded in 1906 as a banking services company and later nationalised in 1969. The AMC BOI brings 14 years of rich experience in fund management catering to the needs of investors across various investment objectives. The fund house currently manages 17 varied mutual fund schemes across 2 lakh+ investors and 2700+ Cr. in AUM.

  • No.of Schemes

    20

  • Total AUM

    ₹ 10,698.46 Cr.

Fund Manager Profile

Alok Singh

AUM:  ₹6,797.59 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 12yrs

Qualification

PGDBA, CFA

Past Experience

Mr. Alok Singh has 12 years of experience in Fixed Income Fund Management. As part of his previous employer BNP Paribas Mutual Fund, Alok has won numerous awards for stellar fund performance over the last three years.

Manager Performance (0)

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Tax Implications

Invested period < 2 years

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments before 1st April 2023)

Gains are treated as long-term capital gains and taxed at 12.5%

Invested period > 2 years(Investments from 1st April 2023 redeemed till 31st March 2025)

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments from 1st April 2023 redeemed after 31st March 2025)

Gains are treated as long-term capital gains and taxed at 12.5%

Let’s calculate your returns after tax

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CAGR (%)
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