Best Conservative Mutual Funds

Conservative mutual fund funds invest in low-risk instruments with the aim of outpacing average inflation. Conservative mutual funds invest in a mix of bonds, debt & money market instruments, and equity & equity-related securities. The conservative mutual funds do not expose the capital to any undue excessive risks. Some of the best conservative mutual funds in India aim to deliver capital appreciation and income to the investors.

The conservative mutual funds invest in government bonds, corporate debt securities, and other similar instruments with a low-risk profile. The funds generate regular steady income and may return long-term capital appreciation. The exposure of conservative funds in stocks is comparatively lower, and any equity investment is predominately in blue chip companies with a stable track record. This ensures that at least the capital is protected while increasing the chances of some capital gain.

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Top 10 Conservative Mutual Funds

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
Indiabulls Savings Income FundHybridModerate5.6%5star19
Indiabulls Savings Income FundHybridModerate5.3%5star19
ICICI Prudential Regular Savings FundHybridModerately High7.9%5star1,640
ICICI Prudential Regular Savings FundHybridModerately High7.9%5star1,640
ICICI Prudential Regular Savings FundHybridModerately High7.9%5star1,640
ICICI Prudential Regular Savings FundHybridModerately High7.9%5star1,640
ICICI Prudential Regular Savings FundHybridModerately High7.6%5star1,640
Indiabulls Savings Income FundHybridModerate4.3%5star19
Indiabulls Savings Income FundHybridModerate3.9%5star19
ICICI Prudential Regular Savings FundHybridModerately High7.3%5star1,640
ICICI Prudential Regular Savings FundHybridModerately High7.3%5star1,640
ICICI Prudential Regular Savings FundHybridModerately High7.3%5star1,640
ICICI Prudential Regular Savings FundHybridModerately High7.3%5star1,640
ICICI Prudential Regular Savings FundHybridModerately High7.0%5star1,640
Aditya Birla Sun Life Regular Savings FundHybridModerately High3.3%4star2,279
View All Top 10 Conservative Mutual Funds

Features of Conservative Mutual Fund

Best conservative funds are aimed at investors seeking regular income while protecting the capital against any volatility. Conservative mutual funds invest in instruments backed by central or state governments, thereby reducing the risk of default. These funds provide investment solutions for investors nearing retirement or ones who are not willing to take risks. Conservative mutual funds also offer investment opportunities with optimal risk-return balance in-line with the fund goals.

The best conservative mutual funds in India maintain a balance between safety, liquidity, and profitability of the investment. These funds may also change the investment strategy based on the macro-economic condition, such as a change in interest rates or inflation. The conservative mutual funds can be ideal for diversification of the portfolio and to add balance to it. During the bear markets, conservative funds are likely to bring steady growth in your portfolio.

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.

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.

Major Advantages

One of the most crucial advantages of a conservative fund is that it ensures that there is no threat to the capital and the potential of losses are minimal which could be a possibility in other aggressive funds. The practically risk-free nature of the conservative fund frees you from the need to monitor it continuously and leaves you at ease. This is the biggest advantage for investors who panic during bear markets.

Conservative mutual funds are also comparatively averse to external factors than aggressive funds. These funds may not react or react only marginally in response to changing macro-economic conditions. Some of the best conservative mutual funds allow investors to protect their capital and earn a return without taking higher risks. This is highly beneficial for investors with a low-risk profile. With these funds, you can be assured of a steady rise over a long-term investment horizon without the sharp dips.

Let's have a closer look

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

Indiabulls Savings Income Fund Direct Dividend Monthly

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 9.71% annualized returns in the last 3 years. In the last 1 year, it gave 5.61% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 5.61% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹NaN. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Hybrid mutual fund in India.

Launch Date
Min Investment Amt₹NaN
AUM19Cr
1Y Returns5.6%

Indiabulls Savings Income Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 9.52% annualized returns in the last 3 years. In the last 1 year, it gave 5.27% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 5.27% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹NaN. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Hybrid mutual fund in India.

Launch Date
Min Investment Amt₹NaN
AUM19Cr
1Y Returns5.3%

ICICI Prudential Regular Savings Fund Direct Bonus

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 8.63% annualized returns in the last 3 years. In the last 1 year, it gave 7.91% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.91% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹NaN. Minimum SIP investment amount for this scheme is ₹1,000. This is one of the best Hybrid mutual fund in India.

Launch Date
Min Investment Amt₹NaN
AUM1,640Cr
1Y Returns7.9%

ICICI Prudential Regular Savings Fund Direct Dividend Monthly

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 8.63% annualized returns in the last 3 years. In the last 1 year, it gave 7.91% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.91% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹NaN. Minimum SIP investment amount for this scheme is ₹100. This is one of the best Hybrid mutual fund in India.

Launch Date
Min Investment Amt₹NaN
AUM1,640Cr
1Y Returns7.9%

ICICI Prudential Regular Savings Fund Direct Dividend Half Yearly

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 8.63% annualized returns in the last 3 years. In the last 1 year, it gave 7.91% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.91% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹NaN. Minimum SIP investment amount for this scheme is ₹100. This is one of the best Hybrid mutual fund in India.

Launch Date
Min Investment Amt₹NaN
AUM1,640Cr
1Y Returns7.9%

ICICI Prudential Regular Savings Fund Direct Dividend Quarterly

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 8.63% annualized returns in the last 3 years. In the last 1 year, it gave 7.91% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.91% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹NaN. Minimum SIP investment amount for this scheme is ₹100. This is one of the best Hybrid mutual fund in India.

Launch Date
Min Investment Amt₹NaN
AUM1,640Cr
1Y Returns7.9%

ICICI Prudential Regular Savings 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 7.62% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.62% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹NaN. Minimum SIP investment amount for this scheme is ₹100. This is one of the best Hybrid mutual fund in India.

Launch Date
Min Investment Amt₹NaN
AUM1,640Cr
1Y Returns7.6%

Indiabulls Savings Income Fund Regular Dividend Monthly

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 8.17% annualized returns in the last 3 years. In the last 1 year, it gave 4.25% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 4.25% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹NaN. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Hybrid mutual fund in India.

Launch Date
Min Investment Amt₹NaN
AUM19Cr
1Y Returns4.3%

Indiabulls Savings Income Fund Regular Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 7.98% annualized returns in the last 3 years. In the last 1 year, it gave 3.9% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 3.9% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹NaN. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Hybrid mutual fund in India.

Launch Date
Min Investment Amt₹NaN
AUM19Cr
1Y Returns3.9%

ICICI Prudential Regular Savings Fund Dividend Half Yearly

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 7.79% annualized returns in the last 3 years. In the last 1 year, it gave 7.25% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.25% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹NaN. Minimum SIP investment amount for this scheme is ₹100. This is one of the best Hybrid mutual fund in India.

Launch Date
Min Investment Amt₹NaN
AUM1,640Cr
1Y Returns7.3%

ICICI Prudential Regular Savings Fund Bonus

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 7.79% annualized returns in the last 3 years. In the last 1 year, it gave 7.25% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.25% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹NaN. Minimum SIP investment amount for this scheme is ₹1,000. This is one of the best Hybrid mutual fund in India.

Launch Date
Min Investment Amt₹NaN
AUM1,640Cr
1Y Returns7.3%

ICICI Prudential Regular Savings Fund Dividend Quarterly

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 7.79% annualized returns in the last 3 years. In the last 1 year, it gave 7.25% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.25% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹NaN. Minimum SIP investment amount for this scheme is ₹100. This is one of the best Hybrid mutual fund in India.

Launch Date
Min Investment Amt₹NaN
AUM1,640Cr
1Y Returns7.3%

ICICI Prudential Regular Savings Fund Dividend Monthly

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 7.79% annualized returns in the last 3 years. In the last 1 year, it gave 7.25% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.25% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹NaN. Minimum SIP investment amount for this scheme is ₹100. This is one of the best Hybrid mutual fund in India.

Launch Date
Min Investment Amt₹NaN
AUM1,640Cr
1Y Returns7.3%

ICICI Prudential Regular Savings Fund Growth

Fund Performance: This fund has consistently beaten its benchmark in Conservative segment and provided 7.65% annualized returns in the last 3 years. In the last 1 year, it gave 6.97% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 6.97% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹NaN. Minimum SIP investment amount for this scheme is ₹100. This is one of the best Hybrid mutual fund in India.

Launch Date
Min Investment Amt₹NaN
AUM1,640Cr
1Y Returns7.0%

Aditya Birla Sun Life Regular Savings Fund-Monthly Payment

Fund Performance: This fund has consistently beaten its benchmark in Conservative Hybrid segment and provided 8.54% annualized returns in the last 3 years. In the last 1 year, it gave 3.26% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 3.26% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹NaN. . This is one of the best Hybrid mutual fund in India.

Launch Date
Min Investment Amt₹NaN
AUM2,279Cr
1Y Returns3.3%

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