Should I invest in BANDHAN Conservative Hybrid Fund?

We don't give personal investment advice. BANDHAN Conservative Hybrid Fund-Direct Plan-Growth is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.1%. 5-year CAGR: 6.42%.

Bandhan

BANDHAN Conservative Hybrid Fund-Direct Plan-Growth

Latest NAV

₹37.1622

As of

17 Jul 2026

3,276 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.27%	+0.11%	+0.16	1 / 17	Q1
1W	+0.13%	+0.01%	+0.13	3 / 17	Q1
2W	+0.20%	+0.07%	+0.13	4 / 17	Q1
1M	+1.21%	+0.99%	+0.23	3 / 17	Q1
3M	+1.40%	+1.92%	-0.52	15 / 17	Q4
6M	+1.35%	+2.27%	-0.92	14 / 17	Q4
YTD	+0.78%	+1.77%	-0.99	13 / 17	Q4
1Y	+3.49%	+3.80%	-0.31	10 / 17	Q3
2Y	+5.00%	+5.86%	-0.86	15 / 17	Q4
3Y	+7.56%	+8.60%	-1.04	14 / 17	Q4
4Y	+7.65%	+9.12%	-1.47	15 / 17	Q4
5Y	+6.42%	+8.25%	-1.83	15 / 16	Q4
7Y	+7.04%	+8.75%	-1.70	14 / 15	Q4
10Y	+7.17%	+8.24%	-1.06	12 / 15	Q4
Inception	+8.10%	+9.10%	-0.99	14 / 16	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+0.78%	+1.77%	-0.99	13 / 17
2025	+7.76%	+6.91%	+0.85	6 / 17
2024	+8.75%	+11.24%	-2.48	16 / 17
2023	+10.39%	+11.79%	-1.40	14 / 17
2022	+1.09%	+4.39%	-3.30	16 / 16
2021	+6.94%	+11.56%	-4.62	15 / 15
2020	+9.39%	+10.27%	-0.88	12 / 15
2019	+9.11%	+7.64%	+1.47	7 / 15
2018	+2.61%	+2.08%	+0.53	7 / 15
2017	+10.08%	+10.89%	-0.80	9 / 15
2016	+9.61%	+10.70%	-1.08	11 / 15

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+8.59%

153 windows

min -0.6% · max 24.2%

99% positive

3-Year rolling

+8.19%

129 windows

min 4.2% · max 13.9%

100% positive

5-Year rolling

+7.85%

105 windows

min 5.6% · max 11.4%

100% positive

7-Year rolling

+7.80%

80 windows

min 6.4% · max 10.2%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

3.95%

3-year · annualised

Sharpe ratio

0.20

vs risk-free 6.5%

Sortino ratio

0.45

Downside-only deviation

Max drawdown

-5.00%

Dec 2025 → Mar 2026

% positive months

69.4%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC Hybrid Debt Fund - Growth Option - Direct Plan	HDFC	₹90.0707	17 Jul 2026
Nippon India Conservative Hybrid Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹68.7236	17 Jul 2026
SBI Conservative Hybrid Fund - Direct Plan - Growth	SBI	₹84.0111	17 Jul 2026
ICICI Prudential Regular Savings Fund - Direct Plan - Growth	ICICI Prudential	₹87.8731	17 Jul 2026
Aditya Birla Sun Life Regular Savings Fund - Growth / Payment - Direct Plan	Aditya Birla Sun Life	₹79.1779	17 Jul 2026
Franklin India Conservative Hybrid Fund - Direct - GROWTH	Franklin India	₹102.3696	17 Jul 2026
Kotak Debt Hybrid - Growth - Direct	Kotak	₹69.9432	17 Jul 2026
Parag Parikh Conservative Hybrid Fund - Direct Plan - Growth	Parag Parikh	₹16.1304	17 Jul 2026
DSP Regular Savings Fund - Direct Plan - Growth	DSP	₹69.2221	17 Jul 2026
HSBC Conservative Hybrid Fund - Direct Growth	HSBC	₹72.1056	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹37.1622
16 Jul 2026	₹37.0621
15 Jul 2026	₹37.0600
14 Jul 2026	₹36.9986
13 Jul 2026	₹37.1308
10 Jul 2026	₹37.1128
9 Jul 2026	₹37.0066
8 Jul 2026	₹36.9991
7 Jul 2026	₹37.2040
6 Jul 2026	₹37.1730

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of BANDHAN Conservative Hybrid Fund-Direct Plan-Growth is ₹37.1622. It's a Conservative Hybrid Fund from Bandhan, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

BANDHAN Conservative Hybrid Fund-Direct Plan-Growth has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

BANDHAN Conservative Hybrid Fund-Direct Plan-Growth is managed by Bandhan. It's classified by AMFI under the 'Conservative Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, BANDHAN Conservative Hybrid Fund-Direct Plan-Growth has delivered a absolute return of 3.49% — -0.31 pp behind the Conservative Hybrid Fund category average of 3.80%. The fund ranks #10 of 17 in its category — the third (Q3) quartile.

Over the trailing 3-year window, BANDHAN Conservative Hybrid Fund-Direct Plan-Growth has delivered a CAGR of 7.56% — -1.04 pp behind the Conservative Hybrid Fund category average of 8.60%. The fund ranks #14 of 17 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, BANDHAN Conservative Hybrid Fund-Direct Plan-Growth has delivered a CAGR of 6.42% — -1.83 pp behind the Conservative Hybrid Fund category average of 8.25%. The fund ranks #15 of 16 in its category — the bottom (Q4) quartile.

₹1 lakh invested in BANDHAN Conservative Hybrid Fund-Direct Plan-Growth exactly 10 years ago would be worth approximately ₹199,865 today — a multiplier of 2.00×, based on the 10-year CAGR of 7.17%. The category average over the same window would have grown ₹1 lakh to ₹220,638.

A ₹10,000 monthly SIP in BANDHAN Conservative Hybrid Fund-Direct Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹710,555 today. That's an XIRR (money-weighted annualised return) of 6.70%.

A ₹10,000 monthly SIP for 10 years in BANDHAN Conservative Hybrid Fund-Direct Plan-Growth = ₹1,200,000 invested. It would currently be worth ₹1,711,088 (multiplier 1.43×). XIRR: 6.90%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, BANDHAN Conservative Hybrid Fund-Direct Plan-Growth ranks #15 out of 16 funds in the Conservative Hybrid Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 8.25%; this fund delivered 6.42%.

The worst peak-to-trough decline BANDHAN Conservative Hybrid Fund-Direct Plan-Growth has experienced over the last 5-year window is 5.05% — its NAV fell from a high on 17 Jan 2022 to a low on 17 Jun 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, BANDHAN Conservative Hybrid Fund-Direct Plan-Growth averaged 7.85% (best 11.35%, worst 5.63%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.05 — negative risk-adjusted performance.

In calendar year 2025, BANDHAN Conservative Hybrid Fund-Direct Plan-Growth returned 7.76% — beating the Conservative Hybrid Fund category average of 6.91% by 0.85 pp. It ranked #6 of 17 in its category that year.

BANDHAN Conservative Hybrid Fund-Direct Plan-Growth is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. BANDHAN Conservative Hybrid Fund-Direct Plan-Growth is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.1%. 5-year CAGR: 6.42%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

BANDHAN Conservative Hybrid Fund-Direct Plan-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Conservative Hybrid Fund

Recent NAVs

Frequently asked questions

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