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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)
Baroda Pioneer Conservative Hybrid FundHybridModerately High15.0%5star30
ICICI Prudential Regular Savings FundHybridHigh12.1%5star2,734
Canara Robeco Income Saver Fund HybridModerately High15.1%4star370
Kotak Debt HybridHybridHigh16.4%4star344
BNP Paribas Conservative Hybrid FundHybridModerately High10.8%4star293
Tata Retirement Savings Fund - Conservative PlanHybridModerately High13.3%4star163
LIC MF Debt Hybrid FundHybridModerately High11.0%4star82
Indiabulls Savings Income FundHybridModerate9.3%4star14
Tata Multi Asset Opportunities FundHYBRIDModerately HighN.A4star502
SBI Debt Hybrid FundHybridModerately High14.8%3star1,012
HSBC Regular Savings FundHybridModerately High12.9%3star84
L&T Conservative Hybrid FundHybridModerate8.9%3star37
Essel Regular Savings Fund HybridModerate7.3%3star33
Franklin India Debt Hybrid Fund HybridModerately High8.3%3star193
IDFC Regular Saving FundHybridModerately High9.7%3star174
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.

Baroda Conservative Hybrid Fund Direct Growth

Fund Performance: This fund has given 10.35% annualized returns in the last three years. In the last year, its returns were 14.99%. It has continually hit its benchmark in the Hybrid segment.

Why to invest: It is one of the most remarkable Hybrid mutual funds in India. This fund has constantly outperformed other similar funds, providing 14.99% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹5,000. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹5,000
AUM30Cr
1Y Returns15.0%

ICICI Prudential Regular Savings Fund Direct Growth

Fund Performance: This fund has given 9.32% annualized returns in the last three years. In the last year, its returns were 12.09%. It has continually hit its benchmark in the Hybrid segment.

Why to invest: It is one of the most remarkable Hybrid mutual funds in India. This fund has constantly outperformed other similar funds, providing 12.09% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹5,000. Minimum SIP investment amount required for this scheme is ₹100.

Min Investment Amt₹5,000
AUM2,734Cr
1Y Returns12.1%

Canara Robeco Conservative Hybrid Fund Direct Growth

Fund Performance: This fund has given 10.32% annualized returns in the last three years. In the last year, its returns were 15.06%. It has continually hit its benchmark in the Hybrid segment.

Why to invest: It is one of the most remarkable Hybrid mutual funds in India. This fund has constantly outperformed other similar funds, providing 15.06% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹5,000. Minimum SIP investment amount required for this scheme is ₹1,000.

Min Investment Amt₹5,000
AUM370Cr
1Y Returns15.1%

Kotak Debt Hybrid Fund Direct Growth

Fund Performance: This fund has given 9.8% annualized returns in the last three years. In the last year, its returns were 16.37%. It has continually hit its benchmark in the Hybrid segment.

Why to invest: It is one of the most remarkable Hybrid mutual funds in India. This fund has constantly outperformed other similar funds, providing 16.37% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹5,000. Minimum SIP investment amount required for this scheme is ₹1,000.

Min Investment Amt₹5,000
AUM344Cr
1Y Returns16.4%

BNP Paribas Conservative Hybrid Fund Direct Growth

Fund Performance: This fund has given 8.55% annualized returns in the last three years. In the last year, its returns were 10.82%. It has continually hit its benchmark in the Hybrid segment.

Why to invest: It is one of the most remarkable Hybrid mutual funds in India. This fund has constantly outperformed other similar funds, providing 10.82% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹1,000. Minimum SIP investment amount required for this scheme is ₹300.

Min Investment Amt₹1,000
AUM293Cr
1Y Returns10.8%

Tata Retirement Savings Fund Conservative Plan Direct Growth

Fund Performance: This fund has given 8.2% annualized returns in the last three years. In the last year, its returns were 13.26%. It has continually hit its benchmark in the Hybrid segment.

Why to invest: It is one of the most remarkable Hybrid mutual funds in India. This fund has constantly outperformed other similar funds, providing 13.26% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹5,000. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹5,000
AUM163Cr
1Y Returns13.3%

LIC MF Debt Hybrid Fund Direct Growth

Fund Performance: This fund has given 7.6% annualized returns in the last three years. In the last year, its returns were 11.01%. It has continually hit its benchmark in the Hybrid segment.

Why to invest: It is one of the most remarkable Hybrid mutual funds in India. This fund has constantly outperformed other similar funds, providing 11.01% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹5,000. Minimum SIP investment amount required for this scheme is ₹1,000.

Min Investment Amt₹5,000
AUM82Cr
1Y Returns11.0%

Indiabulls Savings Income Fund Direct Growth

Fund Performance: This fund has given 7.18% annualized returns in the last three years. In the last year, its returns were 9.29%. It has continually hit its benchmark in the Hybrid segment.

Why to invest: It is one of the most remarkable Hybrid mutual funds in India. This fund has constantly outperformed other similar funds, providing 9.29% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹500. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹500
AUM14Cr
1Y Returns9.3%

Tata Multi Asset Opportunities Fund Direct Growth

Fund Performance: In the last year, its returns were NA. It has continually hit its benchmark in the HYBRID segment.

Why to invest: It is one of the most remarkable HYBRID mutual funds in India. This fund has constantly outperformed other similar funds, providing NA returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹5,000. Minimum SIP investment amount required for this scheme is ₹150.

Min Investment Amt₹5,000
AUM502Cr
1Y ReturnsNA

SBI Debt Hybrid Fund Direct Growth

Fund Performance: This fund has given 8.12% annualized returns in the last three years. In the last year, its returns were 14.85%. It has continually hit its benchmark in the Hybrid segment.

Why to invest: It is one of the most remarkable Hybrid mutual funds in India. This fund has constantly outperformed other similar funds, providing 14.85% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹5,000. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹5,000
AUM1,012Cr
1Y Returns14.8%

HSBC Regular Savings Fund Direct Growth

Fund Performance: This fund has given 7.88% annualized returns in the last three years. In the last year, its returns were 12.93%. It has continually hit its benchmark in the Hybrid segment.

Why to invest: It is one of the most remarkable Hybrid mutual funds in India. This fund has constantly outperformed other similar funds, providing 12.93% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹5,000. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹5,000
AUM84Cr
1Y Returns12.9%

L&T Conservative Hybrid Fund Direct Growth

Fund Performance: This fund has given 7.1% annualized returns in the last three years. In the last year, its returns were 8.94%. It has continually hit its benchmark in the Hybrid segment.

Why to invest: It is one of the most remarkable Hybrid mutual funds in India. This fund has constantly outperformed other similar funds, providing 8.94% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹10,000. Minimum SIP investment amount required for this scheme is ₹1,000.

Min Investment Amt₹10,000
AUM37Cr
1Y Returns8.9%

Essel Regular Savings Fund Direct Growth

Fund Performance: This fund has given 7.04% annualized returns in the last three years. In the last year, its returns were 7.29%. It has continually hit its benchmark in the Hybrid segment.

Why to invest: It is one of the most remarkable Hybrid mutual funds in India. This fund has constantly outperformed other similar funds, providing 7.29% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹1,000. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹1,000
AUM33Cr
1Y Returns7.3%

Franklin India Debt Hybrid Fund Direct Growth

Fund Performance: This fund has given 6.98% annualized returns in the last three years. In the last year, its returns were 8.3%. It has continually hit its benchmark in the Hybrid segment.

Why to invest: It is one of the most remarkable Hybrid mutual funds in India. This fund has constantly outperformed other similar funds, providing 8.3% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹10,000. Minimum SIP investment amount required for this scheme is ₹500.

Min Investment Amt₹10,000
AUM193Cr
1Y Returns8.3%

IDFC Regular Savings Fund Direct Plan Growth

Fund Performance: This fund has given 6.97% annualized returns in the last three years. In the last year, its returns were 9.72%. It has continually hit its benchmark in the Hybrid segment.

Why to invest: It is one of the most remarkable Hybrid mutual funds in India. This fund has constantly outperformed other similar funds, providing 9.72% returns in the last one year. Minimum lump sum investment amount required to invest in this scheme is ₹5,000. Minimum SIP investment amount required for this scheme is ₹100.

Min Investment Amt₹5,000
AUM174Cr
1Y Returns9.7%

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