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: 6.02%.

Bandhan

BANDHAN Conservative Hybrid Fund-Direct Plan-Growth

Latest NAV

₹36.1366

As of

3 Jun 2026

3,245 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	+0.24%	+28.03%	-27.78	3 / 19	Q1
1W	-0.21%	+21.43%	-21.64	10 / 20	Q2
2W	+0.23%	+21.87%	-21.64	8 / 20	Q2
1M	-0.70%	+17.95%	-18.64	19 / 20	Q4
3M	-1.08%	+24.54%	-25.62	13 / 19	Q3
6M	-1.15%	+17.20%	-18.36	11 / 18	Q3
YTD	-1.73%	+9.83%	-11.56	14 / 19	Q3
1Y	+1.09%	+20.85%	-19.75	11 / 18	Q3
2Y	+5.24%	+10.57%	-5.33	13 / 18	Q3
3Y	+7.00%	+8.42%	-1.42	15 / 17	Q4
4Y	+7.13%	+8.73%	-1.60	15 / 17	Q4
5Y	+6.02%	+8.00%	-1.98	16 / 16	Q4
7Y	+6.69%	+8.39%	-1.70	14 / 15	Q4
10Y	+7.24%	+8.30%	-1.07	12 / 15	Q4
Inception	+7.98%	+22.72%	-14.75	16 / 18	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	-1.73%	-0.59%	-1.14	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%	+21.59%	-20.50	17 / 17
2021	+6.94%	+3.40%	+3.54	15 / 17
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

+8.60%

152 windows

min -1.2% · max 23.9%

99% positive

3-Year rolling

+8.12%

127 windows

min 3.3% · max 13.9%

100% positive

5-Year rolling

+7.83%

103 windows

min 5.6% · max 10.8%

100% positive

7-Year rolling

+7.82%

79 windows

min 6.5% · max 10.0%

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

4.02%

3-year · annualised

Sharpe ratio

0.09

vs risk-free 6.5%

Sortino ratio

0.16

Downside-only deviation

Max drawdown

-5.00%

Dec 2025 → Mar 2026

% positive months

80.6%

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	₹87.6361	3 Jun 2026
Nippon India Conservative Hybrid Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹67.3366	3 Jun 2026
SBI Conservative Hybrid Fund - Direct Plan - Growth	SBI	₹82.3146	3 Jun 2026
ICICI Prudential Regular Savings Fund - Direct Plan - Growth	ICICI Prudential	₹85.9815	3 Jun 2026
Aditya Birla Sun Life Regular Savings Fund - Growth / Payment - Direct Plan	Aditya Birla Sun Life	₹77.2696	3 Jun 2026
Franklin India Conservative Hybrid Fund - Direct - GROWTH	Franklin India	₹100.2188	3 Jun 2026
Kotak Debt Hybrid - Growth - Direct	Kotak	₹67.9807	3 Jun 2026
Parag Parikh Conservative Hybrid Fund - Direct Plan - Growth	Parag Parikh	₹15.7248	3 Jun 2026
DSP Regular Savings Fund - Direct Plan - Growth	DSP	₹67.7367	3 Jun 2026
HSBC Conservative Hybrid Fund - Direct Growth	HSBC	₹70.4441	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹36.1366
2 Jun 2026	₹36.2344
1 Jun 2026	₹36.1465
31 May 2026	₹36.2224
29 May 2026	₹36.2144
27 May 2026	₹36.3097
26 May 2026	₹36.3092
25 May 2026	₹36.3738
22 May 2026	₹36.1730
21 May 2026	₹36.1383

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 03 Jun 2026, the NAV of BANDHAN Conservative Hybrid Fund-Direct Plan-Growth is ₹36.1366. 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 5 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 1.09% — -19.75 pp behind the Conservative Hybrid Fund category average of 20.85%. The fund ranks #11 of 18 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 7.00% — -1.42 pp behind the Conservative Hybrid Fund category average of 8.42%. The fund ranks #15 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 6.02% — -1.98 pp behind the Conservative Hybrid Fund category average of 8.00%. The fund ranks #16 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 ₹201,082 today — a multiplier of 2.01×, based on the 10-year CAGR of 7.24%. The category average over the same window would have grown ₹1 lakh to ₹222,018.

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 ₹698,409 today. That's an XIRR (money-weighted annualised return) of 6.01%.

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 ₹1,683,165 (multiplier 1.40×). XIRR: 6.58%. 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 #16 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 8.00%; this fund delivered 6.02%.

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 7.83% (best 10.76%, worst 5.65%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.13 — 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: 6.02%.

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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