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BANK OF INDIA Conservative Hybrid Fund Fund-Direct Plan-Growth vs Nippon India Conservative Hybrid Fund - Direct Plan Growth Plan - Growth Option
BANK OF INDIA Conservative Hybrid Fund Fund- and Nippon India Conservative Hybrid Fund are both in the Conservative Hybrid Fund category, from Bank of India Investment Managers Private Limited and Nippon Life India Asset Management Limited respectively. BANK OF INDIA Conservative Hybrid Fund Fund- has posted a higher 3-year rolling CAGR. Nippon India Conservative Hybrid Fund has the lower expense ratio. See the full table and FAQ below for the complete real-data comparison.
Basics
Nippon India Conservative Hybrid Fund has the lower direct-plan expense ratio, by 0.20 percentage points.
| BANK OF INDIA Conservative Hybrid Fund Fund-Direct Plan-Growth | Nippon India Conservative Hybrid Fund - Direct Plan Growth Plan - Growth Option | |
|---|---|---|
| Category | Conservative Hybrid Fund | Conservative Hybrid Fund |
| AMC | Bank of India Investment Managers Private Limited | Nippon Life India Asset Management Limited |
| Benchmark | CRISIL Hybrid 85+15 - Conservative Index | CRISIL Hybrid 85+15 - Conservative Index |
| NAV | ₹37.5513 (2026-10-28) | ₹68.7638 (2026-10-28) |
| AUM | ₹67.61 Cr | ₹972.172 Cr |
| Expense Ratio (Direct) | 1.2% | 1% |
| Inception | 2009-01-28 | 2003-12-10 |
Returns
BANK OF INDIA Conservative Hybrid Fund Fund- leads on 3-year rolling CAGR (9.4% vs Nippon India Conservative Hybrid Fund's 8.5%) - see the FAQ below for percentile context within each fund's own category.
Risk Metrics
BANK OF INDIA Conservative Hybrid Fund Fund- has been the more volatile of the two by standard deviation.
Portfolio Analytics
BANK OF INDIA Conservative Hybrid Fund Fund- carries the higher portfolio P/E ratio (a rougher proxy for how richly the underlying holdings are valued) - see the table below for the full comparison.
| BANK OF INDIA Conservative Hybrid Fund Fund-Direct Plan-Growth | Nippon India Conservative Hybrid Fund - Direct Plan Growth Plan - Growth Option | |
|---|---|---|
| P/E Ratio | 24.3387 | 20.753 |
| P/B Ratio | - | - |
| Dividend Yield | 1.1403% | 1.5002% |
| Active Share | - | - |
| Portfolio Turnover | - | - |
| YTM | 7.5864% | - |
| Duration (Macaulay) | 1.93 yrs | 2.09 yrs |
Punji Fund Health Score
Nippon India 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 Nippon India Conservative Hybrid Fund?
BANK OF INDIA Conservative Hybrid Fund Fund-'s 3-year rolling CAGR of 9.4% is higher than Nippon India Conservative Hybrid Fund's 8.5%. BANK OF INDIA Conservative Hybrid Fund Fund- sits in the 62nd percentile of its category on this metric, versus the 29th percentile for Nippon India 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 Nippon India Conservative Hybrid Fund?
Nippon India Conservative Hybrid Fund's direct-plan expense ratio is 0.20 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 Nippon India Conservative Hybrid Fund?
By standard deviation (a measure of how much a fund's returns swing around its own average), BANK OF INDIA Conservative Hybrid Fund Fund- has been more volatile than Nippon India Conservative Hybrid 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 0.57 for Nippon India 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 Nippon India Conservative Hybrid Fund?
Nippon India Conservative Hybrid Fund has ₹972 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 longer duration (more interest-rate sensitivity), BANK OF INDIA Conservative Hybrid Fund Fund- or Nippon India Conservative Hybrid Fund?
Nippon India 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 Nippon India Conservative Hybrid Fund?
Nippon India Conservative Hybrid Fund launched on 2003-12-10, 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.