HealthyDirect · GrowthFit for a long SIP
Canara Robeco Conservative Hybrid Fund
Canara Robeco Mutual FundHybrid Schemes - Conservative Hybrid Fund13.8 years
The fund seeks to generate to income through investment primarily in debt securities with marginal exposures in equity and money market instruments of various maturities and risk profile.
- NAV
- 115.462
- 4 Nov 2026
- 1Y
- +2.4%
- Trailing CAGR
- AUM
- ₹810.71 Cr
- 30 Sept 2026
- Volatility
- Low
- 4.3% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 4 Nov 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.77% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -10.2%. Ask whether you can hold through a similar fall.
Vs category
Fail
38% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Suman Prasad · 0.9 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 36.5% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 10%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+2.4%
- 3Y+7.8%
- 5Y+7.0%
- 10Y+8.5%
- SI+9.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+3.7%
- 3Y+5.3%
- 5Y+6.9%
- 10Y+8.3%
- Since inception
- +9.2%
- Calendar-day CAGR
- Excess 1Y
- +0.7%
- Category median, same plan and option
- 3Y win rate
- +38%
- Windows beating the median
- 3Y percentile
- 40
- Vs comparable share classes
- SIP 3Y XIRR
- +5.3%
- Simulated monthly SIP
- Worst rolling 3Y
- +5.0%
- 2622 daily-ending windows
- Median rolling 3Y
- +9.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2139 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -10.2%
- Worst peak-to-trough
- Current
- -1.0%
- Below last peak
- Current spell
- 86 days
- Days below latest peak
- Time below peak
- +75%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 269 recovered episodes
- Longest recovery
- 120 days
- Trough to prior peak
20 Feb 2020 – 23 Jun 2020
Trough 23 Mar 2020 · recovered in 92 days
-10.2%
23 Oct 2015 – 10 May 2016
Trough 25 Feb 2016 · recovered in 75 days
-6.0%
17 Jan 2022 – 1 Aug 2022
Trough 13 May 2022 · recovered in 80 days
-3.9%
29 Oct 2025 – 15 Jun 2026
Trough 30 Mar 2026 · recovered in 77 days
-3.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
40
Vs category
54
Consistency
35
Risk-adjusted
65
Drawdown
75
Mean
54
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 81 holdings · top 10 are 36.5%.
- Top 5
- 21.1%
- Top 10
- 36.5%
- Largest holding
- 6.8%
- Effective holdings
- 41.1
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
6.8%
4.45% Government of India (30/10/2034)
Entities
4.4%
BAJAJ HOUSING FINANCE LIMITED 7.02 NCD 26MY28 FVRS1LAC
Financial
3.6%
HDFC BANK LIMITED SR U005 9 NCD 29NV28 FVRS10LAC
Financial
3.1%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR VI 7.79 BD 14MY27 FVRS1LAC
Financial
3.1%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI Prudential Conservative Hybrid Fund
ICICI Prudential Mutual Fund
- 1Y
- +2.5%
- 3Y
- +8.8%
- Vol
- 4.2%
- Max DD
- -8.8%
- Sharpe
- 1.01
- 3Y win
- +86%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
BARODA BNP PARIBAS CONSERVATIVE HYBRID FUND
Baroda BNP Paribas Mutual Fund
- 1Y
- +3.5%
- 3Y
- +8.4%
- Vol
- 3.6%
- Max DD
- -4.5%
- Sharpe
- 0.63
- 3Y win
- +31%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
Kotak Conservative Hybrid Fund
Kotak Mahindra Mutual Fund
- 1Y
- +1.8%
- 3Y
- +8.6%
- Vol
- 4.8%
- Max DD
- -11.8%
- Sharpe
- 0.90
- 3Y win
- +96%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Aditya Birla Sun Life Conservative Hybrid Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +2.9%
- 3Y
- +8.7%
- Vol
- 5.0%
- Max DD
- -14.2%
- Sharpe
- 0.84
- 3Y win
- +59%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
HSBC Conservative Hybrid Fund
HSBC Mutual Fund
- 1Y
- +1.9%
- 3Y
- +8.9%
- Vol
- 4.9%
- Max DD
- -10.4%
- Sharpe
- 0.58
- 3Y win
- +38%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER