Mostly bonds, some shares
Past returns do not tell you future returns. Tap a dotted word to see what it means.
Against CRISIL Hybrid 85+15 - Conservative Index
| Return | This fund | Similar funds | Rank | |
|---|---|---|---|---|
| 1 month | +1.2% | — | — | — |
| 3 months | -1.1% | — | — | — |
| 6 months | +0.7% | — | — | — |
| 1 year | -1.3% | +1.4% | +0.9% | 18 of 18 |
| 3 years, a year | +4.6% | +7.1% | +6.8% | 18 of 18 |
| 5 years, a year | +4.3% | +6.1% | +6.3% | 16 of 17 |
| Since launch, a year | +6.7% | — | — | — |
Every one-year and three-year stretch in its history (): how many ended up, the worst, the typical and the best.
What an investment in this fund would be worth today
₹10,000 on the first price of each month, valued at the NAV of 3 Nov 2026. Past returns do not tell you future returns.
61 monthly instalments from 9 Nov 2021, valued at the NAV of 3 Nov 2026. A yearly return of 3.8%.
How bumpy it has been, and how far it has fallen
How widely the price swung (volatility). Lower is steadier.
The deepest drop from a high before it recovered (drawdown).
Return above cash for each unit of bumpiness. Higher is better.
Like Sharpe, counting only the falls.
52-week range: ₹28.73 (30 Mar 2026) to ₹30.01 (2 Jan 2026). Now 2.3% below the high.
Its yearly expense ratio, and how much money it manages
Of the 1.95%, 1.67% is the fund house's fee and 0.28% is trading costs and taxes, which move from month to month with the fund's buying and selling.
The fund house raised its fee from 1.62% to 1.67% on 2 Nov 2026.
The expense ratio is taken out of the fund every day, so the NAV and every return on this page are already after it. How the expense ratio works
NIL
31 holdings, as of 30 Sept 2026
| 6.53% Government Stock - 07/09/2031 Sovereign | 26.94% | — | New |
| 6.36% Central Government Securities 16/02/2031 Sovereign | 21.42% | +0.5% | — |
| TREPS | 9.96% | -42.3% | — |
| Cash and Other Net Current Assets | 7.19% | +6.0% | — |
| Power Finance Corporation Ltd - 6.96% - 02/03/2028 CRISIL AAA | 5.41% | — | New |
| BAJAJ HOUSING FINANCE LTD - 7.64% - 01/07/2030 CRISIL AAA | 5.35% | +0.1% | — |
| Bajaj Finance Ltd - 8.1167% - 10/05/2027 CRISIL AAA | 2.73% | — | New |
| BAJAJ HOUSING FINANCE LTD - 7.7% - 21/05/2027 CRISIL AAA | 2.72% | — | New |
| Bharti Airtel Ltd Telecom - Services | 2.30% | 0.0% | — |
| Reliance Industries Ltd Petroleum Products | 1.94% | -0.1% | — |
| State Bank of India Banks | 1.26% | -0.1% | — |
| HDFC Bank Ltd Banks | 1.16% | -0.7% | — |
| ICICI Bank Ltd Banks | 1.15% | -0.1% | — |
| Tech Mahindra Ltd It - Software | 0.83% | -0.0% | — |
| Bajaj Auto Ltd Automobiles | 0.81% | -0.1% | — |
| Axis Bank Ltd Banks | 0.80% | -0.0% | — |
| Kotak Mahindra Bank Ltd Banks | 0.77% | +0.0% | — |
| Ultratech Cement Ltd Cement & Cement Products | 0.75% | -0.0% | — |
| Alkem Laboratories Ltd Pharmaceuticals & Biotechnology | 0.70% | 0.0% | — |
| HCL Technologies Ltd It - Software | 0.67% | -0.3% | — |
| Hindustan Aeronautics Ltd Aerospace & Defense | 0.64% | 0.0% | — |
| Mahindra & Mahindra Ltd Automobiles | 0.56% | -0.0% | — |
| Infosys Ltd It - Software | 0.55% | -0.5% | — |
| Larsen & Toubro Ltd Construction | 0.51% | -0.0% | — |
| Corporate Debt Market Development Fund - Class A2 | 0.50% | +0.0% | — |
| Jubilant Foodworks Ltd Leisure Services | 0.50% | -0.0% | — |
| Marico Ltd Agricultural Food & Other Products | 0.47% | 0.0% | — |
| TATA Motors Ltd Agricultural, Commercial & Construction Vehicles | 0.46% | -0.0% | — |
| Cummins India Ltd Industrial Products | 0.39% | -0.0% | — |
| Jindal Steel & Power Ltd Ferrous Metals | 0.31% | — | New |
| Lupin Ltd Pharmaceuticals & Biotechnology | 0.22% | -0.0% | — |
The share of the fund in its ten largest holdings. The higher it is, the more the fund depends on a few of them.
Share of the fund in large, mid and small companies, as AMFI classifies them.
From the fund house's monthly portfolio disclosure.
Between the portfolios of 31 Aug 2026 and 30 Sept 2026, the fund added 5 holdings and left 1; 2 holdings gained weight and 7 lost weight.
The weight of today's ten largest holdings in each of the last 6 portfolios.
| Holding | Apr 2026 | May 2026 | Jun 2026 | Jul 2026 | Aug 2026 | Sep 2026 |
|---|---|---|---|---|---|---|
| 6.53% Government Stock - 07/09/2031 | — | — | — | — | — | 26.9% |
| 6.36% Central Government Securities 16/02/2031 | 26.0% | 26.4% | 26.7% | 26.3% | 21.0% | 21.4% |
| Power Finance Corporation Ltd - 6.96% - 02/03/2028 | — | — | — | — | — | 5.4% |
| BAJAJ HOUSING FINANCE LTD - 7.64% - 01/07/2030 | — | — | — | — | 5.2% | 5.3% |
| Bajaj Finance Ltd - 8.1167% - 10/05/2027 | — | — | — | — | — | 2.7% |
| BAJAJ HOUSING FINANCE LTD - 7.7% - 21/05/2027 | — | — | — | — | — | 2.7% |
| Bharti Airtel Ltd | 2.4% | 2.4% | 2.4% | 2.5% | 2.3% | 2.3% |
| Reliance Industries Ltd | 2.3% | 2.1% | 2.1% | 2.1% | 2.0% | 1.9% |
| State Bank of India | 1.4% | 1.3% | 1.3% | 1.3% | 1.3% | 1.3% |
| HDFC Bank Ltd | 2.0% | 2.0% | 2.1% | 2.0% | 1.9% | 1.2% |
Equity, debt and cash, and today's 5 largest sectors, in each of the last 6 portfolios.
| Share of the fund | Apr 2026 | May 2026 | Jun 2026 | Jul 2026 | Aug 2026 | Sep 2026 |
|---|---|---|---|---|---|---|
| Equity | 19.9% | 19.8% | 19.7% | 20.1% | 25.1% | 34.0% |
| Debt | 26.5% | 26.9% | 27.2% | 26.8% | 21.4% | 48.9% |
| Cash and other | 53.6% | 53.3% | 53.1% | 53.1% | 53.5% | 17.1% |
| Largest sectors | ||||||
| Banks | 6.0% | 5.9% | 6.2% | 6.0% | 6.0% | 5.1% |
| Telecom - Services | 2.4% | 2.4% | 2.4% | 2.5% | 2.3% | 2.3% |
| It - Software | 2.7% | 2.8% | 2.5% | 2.9% | 2.9% | 2.1% |
| Petroleum Products | 2.3% | 2.1% | 2.1% | 2.1% | 2.0% | 1.9% |
| Automobiles | 1.4% | 1.5% | 1.4% | 1.5% | 1.5% | 1.4% |
Overlap is the part of two portfolios that is the same, by weight: 100% would be identical.
Check its overlap with any fund, by holdings, industry and sector
To generate income and capital appreciation through investments predominantly in fixed income securities and in equity and equity related instruments. No Guarantee: Investors are neither being offered any guaranteed/indicated returns nor any guarantee on repayment of capital by the Scheme. There is also no guarantee of capital or return either by the mutual fund or by the sponsor or by the Asset management Company.
The largest funds with the same mandate
| -1.3% | +4.6% | +4.3% | 1.95% | ₹18 cr | |
| +2.1% | +7.6% | +7.4% | 1.49% | ₹9,980 cr | |
| +1.9% | +8.5% | +8.6% | 0.67% | ₹3,403 cr | |
ICICI Prudential Conservative Hybrid Fund ICICI Prudential | +1.3% | +7.9% | +7.2% | 1.73% | ₹3,237 cr |
| +0.0% | +6.7% | +6.9% | 1.70% | ₹3,086 cr | |
Kotak Conservative Hybrid Fund Kotak Mahindra | +0.0% | +7.1% | +6.6% | 1.77% | ₹2,585 cr |
| -0.7% | +6.9% | +6.1% | 1.86% | ₹1,585 cr | |
Aditya Birla Sun Life Conservative Hybrid Fund Aditya Birla Sun Life | +1.6% | +7.6% | +6.8% | 1.80% | ₹1,452 cr |
Nippon India Conservative Hybrid Fund Nippon India | +4.5% | +7.8% | +7.2% | 1.80% | ₹977 cr |
Baroda BNP Paribas Conservative Hybrid Fund Baroda BNP Paribas | +1.5% | +6.6% | — | 2.07% | ₹939 cr |
Canara Robeco Conservative Hybrid Fund Canara Robeco | +0.6% | +6.4% | +5.6% | 1.89% | ₹801 cr |
The NAV of the Regular Growth plan was ₹29.33 on 3 Nov 2026.
It returned -1.3% over the last year, +4.6% a year over three years, +4.3% a year over five years. Over three years its benchmark, CRISIL Hybrid 85+15 - Conservative Index, returned +7.1% a year. Past returns do not indicate future returns.
On 3 Nov 2026: started 3 years ago, ₹3.6 lakh put in would be worth ₹3.69 lakh, +1.6% a year; started 5 years ago, ₹6 lakh put in would be worth ₹6.6 lakh, +3.8% a year; started 10 years ago, ₹12 lakh put in would be worth ₹15.74 lakh, +5.3% a year. That is ₹10,000 on the first price of each month. Past returns do not tell you future returns.
As of 30 Sept 2026: 6.53% Government Stock - 07/09/2031 (26.9%), 6.36% Central Government Securities 16/02/2031 (21.4%), Power Finance Corporation Ltd - 6.96% - 02/03/2028 (5.4%), BAJAJ HOUSING FINANCE LTD - 7.64% - 01/07/2030 (5.3%), Bajaj Finance Ltd - 8.1167% - 10/05/2027 (2.7%). It held 31 investments in all.
Over the last three years its NAV fell as much as -4.3% from a high before recovering; over the last year, -4.3%.
1.95% a year, against a typical 1.83% in its category. It is taken out of the fund daily, so the NAV and returns are after it.
It manages ₹18.4 cr as of 2 Nov 2026.
Kumaresh Ramakrishnan, Bharath.
NIL
₹5,000 to start, ₹1,000 a month by SIP.
Its riskometer level is Moderate, on SEBI's six-step scale from Low to Very High. Its NAV's volatility over the last year was 3.5%.
CRISIL Hybrid 85+15 - Conservative Index.
On 8 Mar 2010.