COMPARE
BANK OF INDIA Conservative Hybrid Fund Fund-Direct Plan-Growth vs HSBC Conservative Hybrid Fund - Direct Growth
BANK OF INDIA Conservative Hybrid Fund Fund- and HSBC Conservative Hybrid Fund are both in the Conservative Hybrid Fund category, from Bank of India Investment Managers Private Limited and HSBC Asset Management (India) Private Ltd. respectively. BANK OF INDIA Conservative Hybrid Fund Fund- has posted a higher 3-year rolling CAGR. HSBC Conservative Hybrid Fund has the lower expense ratio. See the full table and FAQ below for the complete real-data comparison.
Basics
HSBC Conservative Hybrid Fund has the lower direct-plan expense ratio, by 0.02 percentage points.
| BANK OF INDIA Conservative Hybrid Fund Fund-Direct Plan-Growth | HSBC Conservative Hybrid Fund - Direct Growth | |
|---|---|---|
| Category | Conservative Hybrid Fund | Conservative Hybrid Fund |
| AMC | Bank of India Investment Managers Private Limited | HSBC Asset Management (India) Private Ltd. |
| Benchmark | CRISIL Hybrid 85+15 - Conservative Index | NIFTY 50 Hybrid Composite Debt 15:85 Index |
| NAV | ₹37.5513 (2026-10-28) | ₹70.149 (2026-10-28) |
| AUM | ₹67.61 Cr | ₹146.903 Cr |
| Expense Ratio (Direct) | 1.2% | 1.18% |
| Inception | 2009-01-28 | 2004-01-22 |
Returns
BANK OF INDIA Conservative Hybrid Fund Fund- leads on 3-year rolling CAGR (9.4% vs HSBC Conservative Hybrid Fund's 9.1%) - see the FAQ below for percentile context within each fund's own category.
Risk Metrics
HSBC Conservative Hybrid Fund has been the more volatile of the two by standard deviation.
| BANK OF INDIA Conservative Hybrid Fund Fund-Direct Plan-Growth | HSBC Conservative Hybrid Fund - Direct Growth | |
|---|---|---|
| 3Y Sharpe Ratio | -0.28 | 0.17 |
| 3Y Alpha | -0.7452% | 1.1826% |
| 3Y Std Deviation | 3.9111% | 5.2907% |
| 3Y Calmar Ratio | 1.45 | 1.31 |
Portfolio Analytics
BANK OF INDIA Conservative Hybrid Fund Fund- carries the higher portfolio YTM.
| BANK OF INDIA Conservative Hybrid Fund Fund-Direct Plan-Growth | HSBC Conservative Hybrid Fund - Direct Growth | |
|---|---|---|
| P/E Ratio | 24.3387 | 32.0759 |
| P/B Ratio | - | 15.3738 |
| Dividend Yield | 1.1403% | 0.6814% |
| Active Share | - | - |
| Portfolio Turnover | - | - |
| YTM | 7.5864% | 7.3815% |
| Duration (Macaulay) | 1.93 yrs | 4.97 yrs |
Punji Fund Health Score
HSBC Conservative Hybrid Fund has the stronger Punji Quality grade of the two.
Frequently asked questions
Which has a higher 3-year return, BANK OF INDIA Conservative Hybrid Fund Fund- or HSBC Conservative Hybrid Fund?
BANK OF INDIA Conservative Hybrid Fund Fund-'s 3-year rolling CAGR of 9.4% is higher than HSBC Conservative Hybrid Fund's 9.1%. BANK OF INDIA Conservative Hybrid Fund Fund- sits in the 62nd percentile of its category on this metric, versus the 48th percentile for HSBC Conservative Hybrid Fund - though note both funds may belong to different categories with different medians, so a raw CAGR comparison doesn't account for how each fund performed relative to its own peers. A higher historical return also doesn't necessarily mean lower risk; check the risk metrics below before concluding either fund is the "better" choice.
Which has a lower expense ratio, BANK OF INDIA Conservative Hybrid Fund Fund- or HSBC Conservative Hybrid Fund?
HSBC Conservative Hybrid Fund's direct-plan expense ratio is 0.02 percentage points lower than BANK OF INDIA Conservative Hybrid Fund Fund-'s. Over long holding periods, a persistent expense-ratio gap compounds into a materially different final corpus even if the two funds' gross returns are similar - it's one of the few fund attributes you can compare with total certainty upfront, unlike future returns, since the fee is contractually fixed rather than a historical estimate.
Which fund carries more risk, BANK OF INDIA Conservative Hybrid Fund Fund- or HSBC Conservative Hybrid Fund?
By standard deviation (a measure of how much a fund's returns swing around its own average), HSBC Conservative Hybrid Fund has been more volatile than BANK OF INDIA Conservative Hybrid Fund Fund- over the trailing window. Standard deviation captures total volatility in both directions - up and down - so a higher figure means bigger swings generally, not necessarily bigger losses specifically. Sharpe ratio (-0.28 for BANK OF INDIA Conservative Hybrid Fund Fund- vs 0.17 for HSBC Conservative Hybrid Fund) is a better single measure of risk-adjusted return, since it weighs the return earned per unit of volatility taken rather than volatility alone.
Which has higher AUM, BANK OF INDIA Conservative Hybrid Fund Fund- or HSBC Conservative Hybrid Fund?
HSBC Conservative Hybrid Fund has ₹147 Cr in assets under management, versus ₹68 Cr for BANK OF INDIA Conservative Hybrid Fund Fund-. A larger AUM generally means deeper liquidity and lower per-unit fixed costs for the AMC to spread across investors, but an AUM that's very large relative to a fund's category and strategy (especially in small/mid cap categories, where the investable universe is smaller) can also make it harder for a manager to enter and exit positions without moving the price - bigger isn't automatically better, especially for less liquid categories.
Which has a higher yield to maturity (YTM), BANK OF INDIA Conservative Hybrid Fund Fund- or HSBC Conservative Hybrid Fund?
BANK OF INDIA Conservative Hybrid Fund Fund-'s portfolio YTM (7.5864%) is higher than HSBC Conservative Hybrid Fund's. YTM is the weighted-average return a debt fund's current bond holdings would earn if held to maturity, assuming no defaults and coupons reinvested at the same rate - a useful forward-looking yield estimate for debt funds the way rolling CAGR is for equity funds, though it's an estimate based on today's portfolio, not a guaranteed return, and can move as bonds are bought/sold or as interest rates change.
Which has longer duration (more interest-rate sensitivity), BANK OF INDIA Conservative Hybrid Fund Fund- or HSBC Conservative Hybrid Fund?
HSBC Conservative Hybrid Fund has the longer Macaulay duration of the two, meaning its NAV is more sensitive to interest-rate changes - a longer-duration debt fund tends to gain more when rates fall and lose more when rates rise, compared to a shorter-duration fund. Duration is expressed in years but isn't literally about how long you hold the fund; it's a measure of price sensitivity to rate moves. If you expect rates to fall, the longer-duration fund benefits more; if you expect rates to rise or want to minimize that swing, the shorter-duration fund is the more conservative pick.
Which fund has a longer track record, BANK OF INDIA Conservative Hybrid Fund Fund- or HSBC Conservative Hybrid Fund?
HSBC Conservative Hybrid Fund launched on 2004-01-22, making it older than BANK OF INDIA Conservative Hybrid Fund Fund- (launched 2009-01-28). A longer track record means more real market cycles (bull runs, corrections, rate cycles) the fund has actually navigated, which is useful context for judging consistency - but it isn't a guarantee of future performance, and a newer fund isn't automatically worse, especially if it's run by an experienced manager or team with a track record at a prior fund.
Data as of 2026-10-29. Source: AMFI disclosures via Punji. Not investment advice.