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Best IDBI Hybrid Mutual Funds

IDBI Asset Management is 66.67% owned by IDBI Bank and 33.33% by IDBI Capital Market & Securities Ltd. The AMC was set up in January 2010 and had assets under management or AUM of Rs.4120 crore as of 31st March 2021.

This AMC offers more than 22 mutual fund schemes distributed over equity, debt, hybrid and other categories. This includes the best IDBI hybrid mutual funds.

Hybrid mutual funds are a category of mutual funds that makes investments in various asset types to produce a diversified portfolio. An example of hybrid mutual funds is balanced funds that typically hold 60% stocks and 40% bonds.

These funds are also known as asset allocation funds, and they can be used for various purposes in an investment market. The best IDBI hybrid mutual funds provide investors with an option to invest in more than one asset class through a single fund.

Hybrid mutual funds make investments in equity and debt instruments to achieve diversification and avoid concentration risk. A right mix of these two instruments provides greater returns when compared to a standard debt fund while cutting down the risk factor involved in an equity fund. The selection of a hybrid fund depends on the investment objective and risk preferences of an investor. 

The equity component present in a hybrid mutual fund provides potential to these funds for earning greater returns. Simultaneously, the debt component in these funds offers protection against market fluctuations. 

A major advantage of the best IDBI hybrid mutual fund is that an investor gets access to multiple types of assets in a single product. Investors can choose from two hybrid fund schemes offered by IDBI Mutual Fund. 

Taxability

Before choosing a specific scheme, investors should learn more about the taxation on capital gains from such hybrid funds.

Short-term Capital Gains Tax (STCG tax): Equity oriented hybrid funds, which are held for less than 1 year are levied with STCG tax at a 15% rate. On the other hand, when the debt-oriented hybrid funds are held for fewer than 3 years then the STCG arising out of them are added to the income tax and are chargeable according to the suitable tax slab.

Long-term Capital Gains Tax (LTCG tax): Hybrid funds having more than 65% of their assets allocated in equities are considered equity-oriented hybrid funds. The LTCG arising out of such funds are taxed at a 10% rate. For debt-oriented funds, which are held for over 3 years the rate of LTCG, tax applicable is 20% with indexation.

TDS: TDS of 10% charged on dividends exceeding Rs.5000 a financial year. 

Factors to Consider Before Investing

In addition to being familiar with these facts related to the top IDBI hybrid mutual funds, it is imperative for investors to consider the below-mentioned factors:

Return: Hybrid mutual funds do not provide guaranteed returns. The Net Asset Value or NAV of the best IDBI hybrid mutual funds are affected by the performance of underlying securities. That is why there might be fluctuations due to movements in the market. Additionally, these funds may not declare dividends during market downturns.

Risk factor: The investments made by investors in the best IDBI hybrid mutual funds 2022 are not devoid of risk. The risk in these funds is primarily dependent on the equity portion in the portfolio. The greater the equity component, the more risk is associated with the fund. The risk factor associated with an equity portion will be defined by the sector of the equity market where the hybrid fund makes an investment. The strategy used would also come into consideration here.

Experience of the fund manager: The competence of a fund manager is highly accountable for a fund’s performance. Therefore, most investors put significant emphasis on a fund manager who is subjected to judgement based on various parameters. These include experience level, ability to identify scripts as compared to their peers, etc.

Investment horizon: Hybrid mutual funds are generally suited for a medium-term investment time horizon, for example, 3 to 5 years. The possibilities of high and stable returns get better with an increase in the length of this investment horizon.

Expense ratio: The expense ratio is the fee for managing an investor’s portfolio. An investor would enjoy greater take-home returns by investing in a hybrid fund with a low expense ratio. 

Investment strategy: Investors must keep in mind that fund managers determine the investment strategy. An investment strategy defines the mix of assets selected, the portion in each asset and the style of investment. Investors are not free to influence the way different components might be combined or chosen. 

Along with some basic knowledge about hybrid mutual funds, this article would act as an apt guide for budding investors to choose an appropriate fund out of the best IDBI hybrid mutual funds, which can otherwise prove to be a daunting task.

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List of Idbi Mutual Funds in India

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
IDBI Small Cap FundEquityVery High14.8%3₹134
IDBI Nifty Junior Index FundOtherVery High2.5%2₹56
IDBI Liquid FundDebtModerate3.5%5₹804
IDBI Equity Advantage FundEquityVery High6.2%2₹495
IDBI Hybrid Equity FundHybridVery High3.4%2₹189
IDBI Nifty Index FundOtherVery High6.9%3₹211
IDBI Midcap FundEquityVery High0.1%2₹193
IDBI Focused 30 Equity FundEquityVery High9.2%4₹132
IDBI India Top 100 Equity FundEquityVery High8.4%4₹574
IDBI Flexi Cap FundEquityVery High10.7%4₹381
IDBI Gold FundOtherHigh6.1%5₹41
IDBI Short Term Bond FundDebtModerate10.9%3₹33
IDBI Ultra Short Term FundDebtModerate4.2%1₹260
IDBI Equity Savings FundHybridModerately High3.2%3₹12
IDBI Dynamic Bond FundDebtModerate2.8%4₹19
View All

Let's have a closer look

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

IDBI Small Cap Fund Direct Growth

Fund Performance: The IDBI Small Cap Fund belongs to the Equity category of IDBI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in IDBI Small Cap Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹134Cr
1Y Returns14.8%

IDBI Nifty Junior Index Fund Direct Growth

Fund Performance: The IDBI Nifty Junior Index Fund has given 11.41% annualized returns in the past three years and 8.09% in the last 5 years. The IDBI Nifty Junior Index Fund belongs to the Other category of IDBI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in IDBI Nifty Junior Index Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹56Cr
1Y Returns2.5%

IDBI Liquid Fund Direct Growth

Fund Performance: The IDBI Liquid Fund has given 4.39% annualized returns in the past three years and 5.55% in the last 5 years. The IDBI Liquid Fund belongs to the Debt category of IDBI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in IDBI Liquid Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹804Cr
1Y Returns3.5%

IDBI Equity Advantage Fund Direct Growth

Fund Performance: The IDBI Equity Advantage Fund has given 11.43% annualized returns in the past three years and 9.47% in the last 5 years. The IDBI Equity Advantage Fund belongs to the Equity category of IDBI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in IDBI Equity Advantage Fund via lump sum is ₹500 and via SIP is ₹500.

Min Investment Amt₹500
AUM₹495Cr
1Y Returns6.2%

IDBI Hybrid Equity Fund Direct Growth

Fund Performance: The IDBI Hybrid Equity Fund has given 9.41% annualized returns in the past three years and 6.85% in the last 5 years. The IDBI Hybrid Equity Fund belongs to the Hybrid category of IDBI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in IDBI Hybrid Equity Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹189Cr
1Y Returns3.4%

IDBI Nifty Index Fund Direct Growth

Fund Performance: The IDBI Nifty Index Fund has given 11.64% annualized returns in the past three years and 11.77% in the last 5 years. The IDBI Nifty Index Fund belongs to the Other category of IDBI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in IDBI Nifty Index Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹211Cr
1Y Returns6.9%

IDBI Midcap Fund Direct Growth

Fund Performance: The IDBI Midcap Fund has given 13.35% annualized returns in the past three years and 8.38% in the last 5 years. The IDBI Midcap Fund belongs to the Equity category of IDBI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in IDBI Midcap Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹193Cr
1Y Returns0.1%

IDBI Focused 30 Equity Fund Direct Growth

Fund Performance: The IDBI Focused 30 Equity Fund belongs to the Equity category of IDBI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in IDBI Focused 30 Equity Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹132Cr
1Y Returns9.2%

IDBI India Top 100 Equity Fund Direct Growth

Fund Performance: The IDBI India Top 100 Equity Fund has given 15.45% annualized returns in the past three years and 10.93% in the last 5 years. The IDBI India Top 100 Equity Fund belongs to the Equity category of IDBI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in IDBI India Top 100 Equity Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹574Cr
1Y Returns8.4%

IDBI Flexi Cap Fund Direct Growth

Fund Performance: The IDBI Flexi Cap Fund has given 16.08% annualized returns in the past three years and 12.06% in the last 5 years. The IDBI Flexi Cap Fund belongs to the Equity category of IDBI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in IDBI Flexi Cap Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹381Cr
1Y Returns10.7%

IDBI Gold Direct Growth

Fund Performance: The IDBI Gold Fund has given 15.9% annualized returns in the past three years and 10.38% in the last 5 years. The IDBI Gold Fund belongs to the Other category of IDBI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in IDBI Gold Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹41Cr
1Y Returns6.1%

IDBI Short Term Bond Fund Direct Growth

Fund Performance: The IDBI Short Term Bond Fund has given 6.69% annualized returns in the past three years and 7.03% in the last 5 years. The IDBI Short Term Bond Fund belongs to the Debt category of IDBI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in IDBI Short Term Bond Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹33Cr
1Y Returns10.9%

IDBI Ultra Short Term Fund Direct Growth

Fund Performance: The IDBI Ultra Short Term Fund has given 5.73% annualized returns in the past three years and 6.05% in the last 5 years. The IDBI Ultra Short Term Fund belongs to the Debt category of IDBI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in IDBI Ultra Short Term Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹260Cr
1Y Returns4.2%

IDBI Equity Savings Fund Direct Growth

Fund Performance: The IDBI Equity Savings Fund has given 8.27% annualized returns in the past three years and 6.57% in the last 5 years. The IDBI Equity Savings Fund belongs to the Hybrid category of IDBI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in IDBI Equity Savings Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹12Cr
1Y Returns3.2%

IDBI Dynamic Bond Fund Direct Growth

Fund Performance: The IDBI Dynamic Bond Fund has given 5.95% annualized returns in the past three years and 5.61% in the last 5 years. The IDBI Dynamic Bond Fund belongs to the Debt category of IDBI Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in IDBI Dynamic Bond Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹19Cr
1Y Returns2.8%

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