Should I invest in BANDHAN Conservative Hybrid Fund - Quarterly IDCW?

We don't give personal investment advice. BANDHAN Conservative Hybrid Fund - Regular Plan - Quarterly 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: 9.5%. 5-year CAGR: -0.28%.

Bandhan

BANDHAN Conservative Hybrid Fund - Regular Plan - Quarterly IDCW

Latest NAV

₹13.3570

As of

3 Jun 2026

3,797 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	5 / 18	Q2
1W	-0.23%	+48.12%	-48.34	9 / 18	Q2
2W	+0.19%	+48.53%	-48.34	8 / 18	Q2
1M	-0.77%	+48.57%	-49.35	15 / 18	Q4
3M	-2.83%	+48.40%	-51.23	14 / 18	Q4
6M	-4.60%	+49.45%	-54.05	15 / 18	Q4
YTD	-3.63%	+46.71%	-50.34	14 / 18	Q4
1Y	-5.79%	+52.85%	-58.64	15 / 18	Q4
2Y	-1.89%	+13.97%	-15.86	13 / 18	Q3
3Y	+0.03%	+0.79%	-0.77	10 / 15	Q3
4Y	+0.47%	+1.39%	-0.92	10 / 15	Q3
5Y	-0.28%	+1.28%	-1.56	10 / 13	Q4
7Y	+0.43%	+1.32%	-0.89	7 / 11	Q3
10Y	+0.40%	+0.69%	-0.29	5 / 11	Q2
Inception	+1.87%	+19.56%	-17.69	6 / 15	Q2

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	-3.63%	-3.03%	-0.60	8 / 12
2025	+0.47%	-0.79%	+1.26	8 / 14
2024	+1.46%	+1.77%	-0.31	8 / 14
2023	+4.01%	+3.34%	+0.67	4 / 14
2022	-4.04%	+56.80%	-60.84	13 / 15
2021	+1.78%	+0.49%	+1.29	9 / 14
2020	+2.70%	+4.02%	-1.33	8 / 12
2019	+2.92%	-0.56%	+3.48	3 / 12
2018	-4.25%	-3.29%	-0.96	6 / 12
2017	+1.45%	+3.23%	-1.78	9 / 12
2016	+2.08%	+0.92%	+1.16	5 / 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

+2.32%

180 windows

min -7.5% · max 15.3%

68% positive

3-Year rolling

+1.98%

155 windows

min -3.7% · max 7.8%

86% positive

5-Year rolling

+1.78%

131 windows

min -1.1% · max 5.7%

91% positive

7-Year rolling

+1.58%

107 windows

min 0.0% · max 4.4%

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

4.36%

3-year · annualised

Sharpe ratio

-1.46

vs risk-free 6.5%

Sortino ratio

-1.89

Downside-only deviation

Max drawdown

-9.45%

Sep 2024 → Mar 2026

% positive months

58.3%

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 - IDCW	Bandhan	₹11.0108	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	₹13.3570
2 Jun 2026	₹13.3935
1 Jun 2026	₹13.3614
31 May 2026	₹13.3898
29 May 2026	₹13.3876
27 May 2026	₹13.4235
26 May 2026	₹13.4237
25 May 2026	₹13.4480
22 May 2026	₹13.3748
21 May 2026	₹13.3624

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 - Quarterly IDCW is ₹13.3570. 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 - Quarterly IDCW has NAV history starting from 20 Sep 2010, a track record of about 15 years 8 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 - Quarterly 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 - Quarterly IDCW has delivered a absolute return of -5.79% — -58.64 pp behind the Conservative Hybrid Fund category average of 52.85%. The fund ranks #15 of 18 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, BANDHAN Conservative Hybrid Fund - Regular Plan - Quarterly IDCW has delivered a CAGR of 0.03% — -0.77 pp behind the Conservative Hybrid Fund category average of 0.79%. The fund ranks #10 of 15 in its category — the third (Q3) quartile.

Over the trailing 5-year window, BANDHAN Conservative Hybrid Fund - Regular Plan - Quarterly IDCW has delivered a CAGR of -0.28% — -1.56 pp behind the Conservative Hybrid Fund category average of 1.28%. The fund ranks #10 of 13 in its category — the bottom (Q4) quartile.

₹1 lakh invested in BANDHAN Conservative Hybrid Fund - Regular Plan - Quarterly IDCW exactly 10 years ago would be worth approximately ₹104,044 today — a multiplier of 1.04×, based on the 10-year CAGR of 0.40%. 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 - Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹590,182 today. That's an XIRR (money-weighted annualised return) of -0.65%.

A ₹10,000 monthly SIP for 10 years in BANDHAN Conservative Hybrid Fund - Regular Plan - Quarterly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,207,286 (multiplier 1.01×). XIRR: 0.12%. 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 - Quarterly IDCW ranks #10 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 -0.28%.

The worst peak-to-trough decline BANDHAN Conservative Hybrid Fund - Regular Plan - Quarterly IDCW has experienced over the last 5-year window is 9.45% — 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 - Quarterly IDCW averaged 1.78% (best 5.74%, worst -1.07%). 91% of rolling windows ended positive. The 5-year Sharpe ratio is -1.50 — negative risk-adjusted performance.

In calendar year 2025, BANDHAN Conservative Hybrid Fund - Regular Plan - Quarterly IDCW returned 0.47% — beating the Conservative Hybrid Fund category average of -0.79% by 1.26 pp. It ranked #8 of 14 in its category that year.

BANDHAN Conservative Hybrid Fund - Regular Plan - Quarterly 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 - Quarterly 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: 9.5%. 5-year CAGR: -0.28%.

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