Top 10 Conservative Mutual Funds

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
Indiabulls Savings Income FundHybridModerate9.0%5star20
ICICI Prudential Regular Savings FundHybridModerately High8.9%5star1,640
Essel Regular Savings Fund HybridModerate7.7%4star40
BNP Paribas Conservative Hybrid FundHybridModerate8.9%4star400
UTI Regular Savings FundHybridModerately High2.6%4star2,466
Aditya Birla Sun Life Regular Savings FundHybridModerately High3.8%4star2,151
Reliance Hybrid Bond FundHybridModerately High5.5%4star1,783
Kotak Debt HybridHybridModerate9.3%3star256
SBI Debt Hybrid FundHybridModerate6.1%3star1,171
IDFC Regular Saving FundHybridModerately High8.1%3star198
Canara Robeco Income Saver Fund HybridModerately High9.7%3star198
Sundaram Debt Oriented Hybrid FundHybridModerate1.8%3star58
Baroda Pioneer Conservative Hybrid FundHybridModerate14.6%3star15
DHFL Pramerica Hybrid Debt Fund HybridModerately High7.4%3star18
HDFC Hybrid Debt Fund HybridModerately High10.1%2star3,061
View All Top 10 Conservative Mutual Funds

Best Conservative Hybrid Mutual Funds

These funds majorly invest in debt with a small allocation to equity investments. People who are not much inclined to take risks can happily invest in these funds as they primarily put debt instruments in focus combined with a smaller percentage of equity funds to promote good returns. Returns are taxed as per your income tax slab if sold before three years and have negligible tax (20% with indexation benefit) post that period.

Purpose: Anyone looking for good returns without putting the hard earned money to market risks.

Let's have a closer look

Now let us jump and check about these top 10 mutual fund schemes.

Indiabulls Savings Income Fund Direct-Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 11.43% annualized returns in the last 3 years. In the last 1 year, it gave 9.02% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 9.02% returns in the last 1 year. Groww rated this fund as 5 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: Malay Shah, Sumit Bhatnagar

Launch Date01 Dec 2015
Min Investment Amt500
Groww Rating5star
AUM20Cr
1Y Returns9.0%

ICICI Prudential Regular Savings Fund Direct-Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 9.94% annualized returns in the last 3 years. In the last 1 year, it gave 8.93% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 8.93% returns in the last 1 year. Groww rated this fund as 5 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: Rajat Chandak, Manish Banthia

Launch Date02 Jan 2013
Min Investment Amt5,000
Groww Rating5star
AUM1,640Cr
1Y Returns8.9%

Essel Regular Savings Fund Direct-Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 7.62% annualized returns in the last 3 years. In the last 1 year, it gave 7.69% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.69% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: Amit Nigam, Killol Pandya

Launch Date01 Jan 2013
Min Investment Amt1,000
Groww Rating4star
AUM40Cr
1Y Returns7.7%

BNP Paribas Conservative Hybrid Fund Direct-Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 9.22% annualized returns in the last 3 years. In the last 1 year, it gave 8.88% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 8.88% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: Abhijeet Dey, Karthikraj Lakshmanan, Mayank Prakash

Launch Date01 Jan 2013
Min Investment Amt1,000
Groww Rating4star
AUM400Cr
1Y Returns8.9%

UTI Regular Savings Fund Direct-Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 7.21% annualized returns in the last 3 years. In the last 1 year, it gave 2.64% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 2.64% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: Amandeep Chopra, Ajay Tyagi

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating4star
AUM2,466Cr
1Y Returns2.6%

Aditya Birla Sun Life Regular Savings Fund Direct-Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 8.1% annualized returns in the last 3 years. In the last 1 year, it gave 3.82% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 3.82% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: Satyabrata Mohanty, Vineet Maloo, Pranay Sinha

Launch Date25 Dec 2012
Min Investment Amt500
Groww Rating4star
AUM2,151Cr
1Y Returns3.8%

Reliance Hybrid Bond Fund Direct-Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 7.3% annualized returns in the last 3 years. In the last 1 year, it gave 5.48% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 5.48% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: Amit Tripathi, Sanjay Parekh

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating4star
AUM1,783Cr
1Y Returns5.5%

Kotak Debt Hybrid Fund Direct -Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 8.49% annualized returns in the last 3 years. In the last 1 year, it gave 9.3% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 9.3% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: Abhishek Bisen, Devender Singhal

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating3star
AUM256Cr
1Y Returns9.3%

SBI Debt Hybrid Fund Direct-Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 6.86% annualized returns in the last 3 years. In the last 1 year, it gave 6.06% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 6.06% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: Dinesh Ahuja, Ruchit Mehta

Launch Date06 Jan 2013
Min Investment Amt5,000
Groww Rating3star
AUM1,171Cr
1Y Returns6.1%

IDFC Regular Savings Fund Direct Plan-Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 7.7% annualized returns in the last 3 years. In the last 1 year, it gave 8.13% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 8.13% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: Anurag Mittal, Sumit Agrawal

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating3star
AUM198Cr
1Y Returns8.1%

Canara Robeco Conservative Hybrid Fund Direct-Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 8.18% annualized returns in the last 3 years. In the last 1 year, it gave 9.72% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 9.72% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: Ravi Gopalakrishnan, Avnish Jain

Launch Date01 Jan 2013
Min Investment Amt5,000
Groww Rating3star
AUM198Cr
1Y Returns9.7%

Sundaram Debt Oriented Hybrid Fund Direct Plan-Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 5.78% annualized returns in the last 3 years. In the last 1 year, it gave 1.81% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 1.81% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: S Krishnakumar, Dwijendra Srivastava, Siddharth Chaudhary, Sandeep Agarwal, Rohit Seksaria

Launch Date07 Jan 2013
Min Investment Amt5,000
Groww Rating3star
AUM58Cr
1Y Returns1.8%

Baroda Conservative Hybrid Fund Direct-Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 9.26% annualized returns in the last 3 years. In the last 1 year, it gave 14.58% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 14.58% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: Hetal Shah

Launch Date01 Jan 2013
Min Investment Amt2,00,000
Groww Rating3star
AUM15Cr
1Y Returns14.6%

DHFL Pramerica Hybrid Debt Fund Direct Plan-Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 8.67% annualized returns in the last 3 years. In the last 1 year, it gave 7.43% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.43% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: Abhisek Bahinipati, Alok Agarwal

Launch Date01 Jan 2013
Min Investment Amt5,000
Groww Rating3star
AUM18Cr
1Y Returns7.4%

HDFC Hybrid Debt Fund Direct-Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 7.81% annualized returns in the last 3 years. In the last 1 year, it gave 10.05% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 10.05% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Hybrid mutual fund in India.

Fund Manager: Prashant Jain, Shobhit Mehrotra

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating2star
AUM3,061Cr
1Y Returns10.1%

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Who issues conservative mutual funds?

Asset management companies (or AMCs or fund houses) create mutual funds. All AMCs will have to be approved by the government body, Securities and Exchange Board of India (SEBI). All mutual funds have to be whetted by SEBI before it is open for the public to invest.

How to invest in conservative mutual funds on Groww?

One of the best ways to hedge against the small-cap volatility is to adopt a phased approach, also known as Systematic Investment Plan (SIP) approach. We are sure that you must be aware of SIP and its benefits. Buying in small quantity but buying regularly provides you with faster growth. On Groww.in, all transactions to and from AMC is done via BSE. When you decide to invest in a large cap mutual fund of your choice, you choose that mutual fund on the website and click ‘invest’. Following that, you are redirected to the BSE page where you make the payment. BSE then directs your money to the AMC managing your mutual fund. To be assured at your end, you can visit the individual AMC website after the payment. You would be able to see all your purchased units against your folio number.

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Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing.
Past performance is not indicative of future returns. Please consider your specific investment requirements, risk tolerance, investment goal, time frame, risk and reward balance and the cost associated with the investment before choosing a fund, or designing a portfolio that suits your needs.
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