Should I invest in BANDHAN Conservative Hybrid Fund?

We don't give personal investment advice. BANDHAN Conservative Hybrid Fund - Regular Plan - IDCW 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: 25.6%. 5-year CAGR: -4.17%.

Bandhan

BANDHAN Conservative Hybrid Fund - Regular Plan - IDCW

Latest NAV

₹11.0108

As of

3 Jun 2026

3,934 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%	+48.26%	-48.02	4 / 18	Q1
1W	-0.72%	+48.12%	-48.84	18 / 18	Q4
2W	-0.31%	+48.53%	-48.84	18 / 18	Q4
1M	-1.27%	+48.57%	-49.85	18 / 18	Q4
3M	-2.31%	+48.40%	-50.71	12 / 18	Q3
6M	-4.08%	+49.45%	-53.53	14 / 18	Q4
YTD	-4.08%	+46.71%	-50.80	16 / 18	Q4
1Y	-5.26%	+52.85%	-58.11	12 / 18	Q3
2Y	-11.51%	+13.97%	-25.48	18 / 18	Q4
3Y	-6.63%	+0.79%	-7.42	15 / 15	Q4
4Y	-4.52%	+1.39%	-5.91	15 / 15	Q4
5Y	-4.17%	+1.28%	-5.45	13 / 13	Q4
7Y	-2.00%	+1.32%	-3.32	11 / 11	Q4
10Y	-1.30%	+0.69%	-1.98	11 / 11	Q4
Inception	+0.59%	+19.56%	-18.96	11 / 15	Q3

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	-4.08%	-3.03%	-1.05	10 / 12
2025	-18.72%	-0.79%	-17.93	14 / 14
2024	+1.66%	+1.77%	-0.11	7 / 14
2023	+3.98%	+3.34%	+0.65	6 / 14
2022	-3.42%	+56.80%	-60.22	11 / 15
2021	+2.51%	+0.49%	+2.02	8 / 14
2020	+4.64%	+4.02%	+0.62	4 / 12
2019	+3.07%	-0.56%	+3.62	2 / 12
2018	-4.11%	-3.29%	-0.83	5 / 12
2017	+1.11%	+3.23%	-2.13	10 / 12
2016	+1.11%	+0.92%	+0.19	6 / 12

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

+0.95%

187 windows

min -21.4% · max 14.0%

65% positive

3-Year rolling

+1.43%

162 windows

min -6.6% · max 7.3%

72% positive

5-Year rolling

+1.48%

138 windows

min -4.2% · max 5.2%

84% positive

7-Year rolling

+1.35%

114 windows

min -2.0% · max 3.8%

85% 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

12.24%

3-year · annualised

Sharpe ratio

-1.02

vs risk-free 6.5%

Sortino ratio

-1.04

Downside-only deviation

Max drawdown

-25.60%

Sep 2024 → Mar 2026

% positive months

52.8%

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
ICICI Prudential Regular Savings Fund - Plan - Half Yearly IDCW	ICICI Prudential	₹12.8911	3 Jun 2026
BANDHAN Conservative Hybrid Fund - Regular Plan - Quarterly IDCW	Bandhan	₹13.3570	3 Jun 2026
Parag Parikh Conservative Hybrid Fund - Regular Plan - Monthly IDCW	Parag Parikh	₹10.5758	3 Jun 2026
BARODA BNP PARIBAS Conservative hybrid Fund-Regular Plan-Monthly IDCW Option	Baroda BNP Paribas	₹10.5476	3 Jun 2026
CANARA ROBECO CONSERVATIVE HYBRID FUND - REGULAR PLAN - QUARTERLY IDCW (Payout/Reinvestment)	Canara Robeco	₹13.2855	3 Jun 2026
Axis Conservative Hybrid Fund - Regular Plan - Annual IDCW	Axis	₹13.4424	3 Jun 2026
Sundaram Conservative Hybrid Fund (Formerly Known as Sundaram Debt Oriented Hybrid Fund) Regular Plan -Income Distribution cum Capital Withdrawal (IDCW)	Sundaram	₹18.1133	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹11.0108
2 Jun 2026	₹11.0409
1 Jun 2026	₹11.0144
31 May 2026	₹11.0379
29 May 2026	₹11.0360
27 May 2026	₹11.1213
26 May 2026	₹11.1215
25 May 2026	₹11.1416
22 May 2026	₹11.0810
21 May 2026	₹11.0706

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 - Regular Plan - IDCW is ₹11.0108. It's a Conservative Hybrid Fund from Bandhan, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BANDHAN Conservative Hybrid Fund - Regular Plan - IDCW has NAV history starting from 26 Feb 2010, a track record of about 16 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

BANDHAN Conservative Hybrid Fund - Regular Plan - IDCW 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 - Regular Plan - IDCW has delivered a absolute return of -5.26% — -58.11 pp behind the Conservative Hybrid Fund category average of 52.85%. The fund ranks #12 of 18 in its category — the third (Q3) quartile.

Over the trailing 3-year window, BANDHAN Conservative Hybrid Fund - Regular Plan - IDCW has delivered a CAGR of -6.63% — -7.42 pp behind the Conservative Hybrid Fund category average of 0.79%. The fund ranks #15 of 15 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, BANDHAN Conservative Hybrid Fund - Regular Plan - IDCW has delivered a CAGR of -4.17% — -5.45 pp behind the Conservative Hybrid Fund category average of 1.28%. The fund ranks #13 of 13 in its category — the bottom (Q4) quartile.

₹1 lakh invested in BANDHAN Conservative Hybrid Fund - Regular Plan - IDCW exactly 10 years ago would be worth approximately ₹87,753 today — a multiplier of 0.88×, based on the 10-year CAGR of -1.30%. The category average over the same window would have grown ₹1 lakh to ₹107,072.

A ₹10,000 monthly SIP in BANDHAN Conservative Hybrid Fund - Regular Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹508,223 today. That's an XIRR (money-weighted annualised return) of -6.49%.

A ₹10,000 monthly SIP for 10 years in BANDHAN Conservative Hybrid Fund - Regular Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,023,281 (multiplier 0.85×). XIRR: -3.19%. 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 - Regular Plan - IDCW ranks #13 out of 13 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 1.28%; this fund delivered -4.17%.

The worst peak-to-trough decline BANDHAN Conservative Hybrid Fund - Regular Plan - IDCW has experienced over the last 5-year window is 25.60% — its NAV fell from a high on 26 Sep 2024 to a low on 30 Mar 2026. 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 - Regular Plan - IDCW averaged 1.48% (best 5.18%, worst -4.17%). 84% of rolling windows ended positive. The 5-year Sharpe ratio is -1.03 — negative risk-adjusted performance.

In calendar year 2025, BANDHAN Conservative Hybrid Fund - Regular Plan - IDCW returned -18.72% — lagging the Conservative Hybrid Fund category average of -0.79% by 17.93 pp. It ranked #14 of 14 in its category that year.

BANDHAN Conservative Hybrid Fund - Regular Plan - IDCW 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 - Regular Plan - IDCW 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: 25.6%. 5-year CAGR: -4.17%.

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