Should I invest in NIPPON INDIA CONSERVATIVE HYBRID FUND - MONTHLY IDCW Option?

We don't give personal investment advice. NIPPON INDIA CONSERVATIVE HYBRID FUND - DIRECT Plan - MONTHLY IDCW Option 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: 3.6%. 5-year CAGR: 0.39%.

Nippon India

NIPPON INDIA CONSERVATIVE HYBRID FUND - DIRECT Plan - MONTHLY IDCW Option

Latest NAV

₹11.7989

As of

17 Jul 2026

3,267 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	+0.15%	+0.08%	+0.08	7 / 38	Q1
1W	+0.08%	-0.01%	+0.09	11 / 38	Q2
2W	+0.02%	+0.09%	-0.07	27 / 38	Q3
1M	+0.05%	+0.32%	-0.27	25 / 38	Q3
3M	+0.94%	+0.69%	+0.25	14 / 38	Q2
6M	+0.82%	-0.19%	+1.01	13 / 38	Q2
YTD	+0.82%	-0.75%	+1.57	8 / 38	Q1
1Y	+0.18%	-1.32%	+1.51	9 / 38	Q1
2Y	+0.25%	+0.31%	-0.05	16 / 38	Q2
3Y	+0.23%	+2.57%	-2.33	34 / 38	Q4
4Y	+0.50%	+3.17%	-2.67	35 / 38	Q4
5Y	+0.39%	+2.64%	-2.24	29 / 36	Q4
7Y	-0.96%	+2.98%	-3.95	34 / 34	Q4
10Y	-0.91%	+2.17%	-3.08	32 / 32	Q4
Inception	+0.39%	+2.83%	-2.44	35 / 35	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	+0.82%	-0.87%	+1.69	6 / 35
2025	+0.19%	+0.75%	-0.56	24 / 37
2024	+0.30%	+4.66%	-4.36	33 / 37
2023	+0.38%	+5.35%	-4.97	35 / 37
2022	-0.28%	-0.93%	+0.65	14 / 35
2021	+3.15%	+6.09%	-2.94	23 / 34
2020	-9.32%	+4.76%	-14.08	35 / 35
2019	-4.10%	+0.47%	-4.58	31 / 35
2018	-2.70%	-3.59%	+0.89	12 / 35
2017	+1.42%	+4.34%	-2.92	25 / 35
2016	+1.74%	+3.67%	-1.93	26 / 33

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

+0.56%

153 windows

min -23.1% · max 19.2%

61% positive

3-Year rolling

-0.20%

129 windows

min -8.6% · max 6.6%

60% positive

5-Year rolling

-0.70%

105 windows

min -5.1% · max 3.9%

39% positive

7-Year rolling

-1.25%

80 windows

min -2.1% · max 0.8%

9% 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

2.43%

3-year · annualised

Sharpe ratio

-2.56

vs risk-free 6.5%

Sortino ratio

-3.65

Downside-only deviation

Max drawdown

-3.14%

Apr 2025 → 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
HDFC Hybrid Debt Fund - IDCW Monthly - Direct Plan	HDFC	₹15.2730	17 Jul 2026
NIPPON INDIA CONSERVATIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - MONTHLY IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Conservative Hybrid Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹25.6685	17 Jul 2026
ICICI Prudential Regular Savings Fund - Direct Plan - Half Yearly IDCW	ICICI Prudential	₹16.9038	17 Jul 2026
BANDHAN Conservative Hybrid Fund-Direct Plan-IDCW	Bandhan	₹13.2876	17 Jul 2026
Aditya Birla Sun Life Regular Savings Fund - DIRECT - MONTHLY IDCW	Aditya Birla Sun Life	₹27.2234	17 Jul 2026
Franklin India Conservative Hybrid Fund - Plan A - Direct - Monthly - IDCW	Franklin India	₹14.4078	17 Jul 2026
Kotak Debt Hybrid - Monthly Payout of Income Distribution cum capital withdrawal option - Direct	Kotak	₹13.4782	17 Jul 2026
Parag Parikh Conservative Hybrid Fund - Direct Plan - Monthly IDCW	Parag Parikh	₹11.0406	17 Jul 2026
DSP Regular Savings Fund - Direct Plan - IDCW - Monthly	DSP	₹14.2269	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹11.7989
16 Jul 2026	₹11.7810
15 Jul 2026	₹11.7764
14 Jul 2026	₹11.7707
13 Jul 2026	₹11.7943
10 Jul 2026	₹11.7891
9 Jul 2026	₹11.7656
8 Jul 2026	₹11.7578
7 Jul 2026	₹11.8068
6 Jul 2026	₹11.8078

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 NIPPON INDIA CONSERVATIVE HYBRID FUND - DIRECT Plan - MONTHLY IDCW Option is ₹11.7989. It's a Conservative Hybrid Fund from Nippon India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

NIPPON INDIA CONSERVATIVE HYBRID FUND - DIRECT Plan - MONTHLY IDCW Option 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.

NIPPON INDIA CONSERVATIVE HYBRID FUND - DIRECT Plan - MONTHLY IDCW Option is managed by Nippon India. 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, NIPPON INDIA CONSERVATIVE HYBRID FUND - DIRECT Plan - MONTHLY IDCW Option has delivered a absolute return of 0.18% — +1.51 pp ahead of the Conservative Hybrid Fund category average of -1.32%. The fund ranks #9 of 38 in its category — the top (Q1) quartile.

Over the trailing 3-year window, NIPPON INDIA CONSERVATIVE HYBRID FUND - DIRECT Plan - MONTHLY IDCW Option has delivered a CAGR of 0.23% — -2.33 pp behind the Conservative Hybrid Fund category average of 2.57%. The fund ranks #34 of 38 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, NIPPON INDIA CONSERVATIVE HYBRID FUND - DIRECT Plan - MONTHLY IDCW Option has delivered a CAGR of 0.39% — -2.24 pp behind the Conservative Hybrid Fund category average of 2.64%. The fund ranks #29 of 36 in its category — the bottom (Q4) quartile.

₹1 lakh invested in NIPPON INDIA CONSERVATIVE HYBRID FUND - DIRECT Plan - MONTHLY IDCW Option exactly 10 years ago would be worth approximately ₹91,271 today — a multiplier of 0.91×, based on the 10-year CAGR of -0.91%. The category average over the same window would have grown ₹1 lakh to ₹123,989.

A ₹10,000 monthly SIP in NIPPON INDIA CONSERVATIVE HYBRID FUND - DIRECT Plan - MONTHLY IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹606,846 today. That's an XIRR (money-weighted annualised return) of 0.45%.

A ₹10,000 monthly SIP for 10 years in NIPPON INDIA CONSERVATIVE HYBRID FUND - DIRECT Plan - MONTHLY IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,180,848 (multiplier 0.98×). XIRR: -0.32%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, NIPPON INDIA CONSERVATIVE HYBRID FUND - DIRECT Plan - MONTHLY IDCW Option ranks #29 out of 36 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 2.64%; this fund delivered 0.39%.

The worst peak-to-trough decline NIPPON INDIA CONSERVATIVE HYBRID FUND - DIRECT Plan - MONTHLY IDCW Option has experienced over the last 5-year window is 3.63% — its NAV fell from a high on 20 Apr 2023 to a low on 23 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, NIPPON INDIA CONSERVATIVE HYBRID FUND - DIRECT Plan - MONTHLY IDCW Option averaged -0.70% (best 3.93%, worst -5.08%). 39% of rolling windows ended positive. The 5-year Sharpe ratio is -2.12 — negative risk-adjusted performance.

In calendar year 2025, NIPPON INDIA CONSERVATIVE HYBRID FUND - DIRECT Plan - MONTHLY IDCW Option returned 0.19% — lagging the Conservative Hybrid Fund category average of 0.75% by 0.56 pp. It ranked #24 of 37 in its category that year.

NIPPON INDIA CONSERVATIVE HYBRID FUND - DIRECT Plan - MONTHLY IDCW Option 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. NIPPON INDIA CONSERVATIVE HYBRID FUND - DIRECT Plan - MONTHLY IDCW Option 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: 3.6%. 5-year CAGR: 0.39%.

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