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 Name | Category | Risk | 1Y Returns | Rating | Fund Size(in Cr) | |
|---|---|---|---|---|---|---|
| Baroda Pioneer Conservative Hybrid Fund | Hybrid | Moderately High | 15.0% | 5star | ₹30 | |
| ICICI Prudential Regular Savings Fund | Hybrid | High | 12.1% | 5star | ₹2,734 | |
| Canara Robeco Income Saver Fund | Hybrid | Moderately High | 15.1% | 4star | ₹370 | |
| Kotak Debt Hybrid | Hybrid | High | 16.4% | 4star | ₹344 | |
| BNP Paribas Conservative Hybrid Fund | Hybrid | Moderately High | 10.8% | 4star | ₹293 | |
| Tata Retirement Savings Fund - Conservative Plan | Hybrid | Moderately High | 13.3% | 4star | ₹163 | |
| LIC MF Debt Hybrid Fund | Hybrid | Moderately High | 11.0% | 4star | ₹82 | |
| Indiabulls Savings Income Fund | Hybrid | Moderate | 9.3% | 4star | ₹14 | |
| Tata Multi Asset Opportunities Fund | HYBRID | Moderately High | N.A | 4star | ₹502 | |
| SBI Debt Hybrid Fund | Hybrid | Moderately High | 14.8% | 3star | ₹1,012 | |
| HSBC Regular Savings Fund | Hybrid | Moderately High | 12.9% | 3star | ₹84 | |
| L&T Conservative Hybrid Fund | Hybrid | Moderate | 8.9% | 3star | ₹37 | |
| Essel Regular Savings Fund | Hybrid | Moderate | 7.3% | 3star | ₹33 | |
| Franklin India Debt Hybrid Fund | Hybrid | Moderately High | 8.3% | 3star | ₹193 | |
| IDFC Regular Saving Fund | Hybrid | Moderately High | 9.7% | 3star | ₹174 | |
| 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?
How to invest in conservative mutual funds on Groww?
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 |
|---|---|
| AUM | ₹30Cr |
| 1Y Returns | 15.0% |
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 |
|---|---|
| AUM | ₹2,734Cr |
| 1Y Returns | 12.1% |
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 |
|---|---|
| AUM | ₹370Cr |
| 1Y Returns | 15.1% |
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 |
|---|---|
| AUM | ₹344Cr |
| 1Y Returns | 16.4% |
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 |
|---|---|
| AUM | ₹293Cr |
| 1Y Returns | 10.8% |
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 |
|---|---|
| AUM | ₹163Cr |
| 1Y Returns | 13.3% |
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 |
|---|---|
| AUM | ₹82Cr |
| 1Y Returns | 11.0% |
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 |
|---|---|
| AUM | ₹14Cr |
| 1Y Returns | 9.3% |
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 |
|---|---|
| AUM | ₹502Cr |
| 1Y Returns | NA |
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 |
|---|---|
| AUM | ₹1,012Cr |
| 1Y Returns | 14.8% |
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 |
|---|---|
| AUM | ₹84Cr |
| 1Y Returns | 12.9% |
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 |
|---|---|
| AUM | ₹37Cr |
| 1Y Returns | 8.9% |
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 |
|---|---|
| AUM | ₹33Cr |
| 1Y Returns | 7.3% |
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 |
|---|---|
| AUM | ₹193Cr |
| 1Y Returns | 8.3% |
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 |
|---|---|
| AUM | ₹174Cr |
| 1Y Returns | 9.7% |
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