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Conservative Hybrid Funds

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Fund Name
Nippon India Conservative Hybrid Fund - Dir (G)
Nippon India Conservative Hybrid Fund - Dir (G)

Conservative Hybrid Fund | Hybrid

6.56%₹5,000₹955.51Invest
Aditya Birla SL Regular Savings Fund-Dir (Payment)
Aditya Birla SL Regular Savings Fund-Dir (Payment)

Conservative Hybrid Fund | Hybrid

4.41%₹1,000₹1,475Invest
Aditya Birla SL Regular Savings Fund-Dir (G)
Aditya Birla SL Regular Savings Fund-Dir (G)

Conservative Hybrid Fund | Hybrid

4.41%₹500₹1,475Invest
SBI Conservative Hybrid Fund - Direct (G)
SBI Conservative Hybrid Fund - Direct (G)

Conservative Hybrid Fund | Hybrid

4.33%₹5,000₹9,792.72Invest
ICICI Pru Regular Savings Fund - Direct (G)
ICICI Pru Regular Savings Fund - Direct (G)

Conservative Hybrid Fund | Hybrid

3.84%₹5,000₹3,302Invest
Parag Parikh Conservative Hybrid Fund-Dir (G)
Parag Parikh Conservative Hybrid Fund-Dir (G)

Conservative Hybrid Fund | Hybrid

3.84%₹5,000₹3,344.68Invest
Baroda BNP Paribas Conservative Hybrid Fund-Dir (G)
Baroda BNP Paribas Conservative Hybrid Fund-Dir (G)

Conservative Hybrid Fund | Hybrid

3.77%₹1,000₹935.50Invest
HSBC Conservative Hybrid Fund - Direct (G)
HSBC Conservative Hybrid Fund - Direct (G)

Conservative Hybrid Fund | Hybrid

3.41%₹5,000₹148.87Invest
DSP Regular Savings Fund - Direct (G)
DSP Regular Savings Fund - Direct (G)

Conservative Hybrid Fund | Hybrid

3.02%₹100₹178.55Invest
Bank of India Conservative Hybrid Fund - Direct (G)
Bank of India Conservative Hybrid Fund - Direct (G)

Conservative Hybrid Fund | Hybrid

2.33%₹5,000₹64.12Invest
Kotak Debt Hybrid Fund - Direct (G)
Kotak Debt Hybrid Fund - Direct (G)

Conservative Hybrid Fund | Hybrid

1.39%₹100₹2,862.47Invest
LIC MF Conservative Hybrid Fund - Direct (G)
LIC MF Conservative Hybrid Fund - Direct (G)

Conservative Hybrid Fund | Hybrid

1.35%₹5,000₹45.83Invest
Bandhan Conservative Hybrid Fund - Direct (G)
Bandhan Conservative Hybrid Fund - Direct (G)

Conservative Hybrid Fund | Hybrid

1.31%₹1,000₹96.44Invest
AXIS Conservative Hybrid Fund - Direct (G)
AXIS Conservative Hybrid Fund - Direct (G)

Conservative Hybrid Fund | Hybrid

1.24%₹500₹218.10Invest
Canara Robeco Conservative Hybrid Fund-Dir (G)
Canara Robeco Conservative Hybrid Fund-Dir (G)

Conservative Hybrid Fund | Hybrid

1.04%₹5,000₹853.53Invest
HDFC Hybrid Debt Fund - Direct (G)
HDFC Hybrid Debt Fund - Direct (G)

Conservative Hybrid Fund | Hybrid

0.78%₹100₹3,218.07Invest
UTI-Conservative Hybrid Fund - Direct (G)
UTI-Conservative Hybrid Fund - Direct (G)

Conservative Hybrid Fund | Hybrid

0.52%₹5,000₹1,641.13Invest
Franklin India Conservative Hybrid Fund - Dir (G)
Franklin India Conservative Hybrid Fund - Dir (G)

Conservative Hybrid Fund | Hybrid

0.46%₹10,000₹192.28Invest
Sundaram Conservative Hybrid Fund - Dir (G)
Sundaram Conservative Hybrid Fund - Dir (G)

Conservative Hybrid Fund | Hybrid

-1.14%₹5,000₹18.56Invest
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Nippon India Conservative Hybrid Fund - Dir (G)

Nippon India Conservative Hybrid Fund - Dir (G)

Equity | Conservative Hybrid Fund

1Y returns

6.56%

Min. Invest

₹5,000

AUM

₹955.51 Cr

Aditya Birla SL Regular Savings Fund-Dir (Payment)

Aditya Birla SL Regular Savings Fund-Dir (Payment)

Equity | Conservative Hybrid Fund

1Y returns

4.41%

Min. Invest

₹1,000

AUM

₹1,475 Cr

Aditya Birla SL Regular Savings Fund-Dir (G)

Aditya Birla SL Regular Savings Fund-Dir (G)

Equity | Conservative Hybrid Fund

1Y returns

4.41%

Min. Invest

₹500

AUM

₹1,475 Cr

SBI Conservative Hybrid Fund - Direct (G)

SBI Conservative Hybrid Fund - Direct (G)

Equity | Conservative Hybrid Fund

1Y returns

4.33%

Min. Invest

₹5,000

AUM

₹9,792.72 Cr

ICICI Pru Regular Savings Fund - Direct (G)

ICICI Pru Regular Savings Fund - Direct (G)

Equity | Conservative Hybrid Fund

1Y returns

3.84%

Min. Invest

₹5,000

AUM

₹3,302 Cr

Parag Parikh Conservative Hybrid Fund-Dir (G)

Parag Parikh Conservative Hybrid Fund-Dir (G)

Equity | Conservative Hybrid Fund

1Y returns

3.84%

Min. Invest

₹5,000

AUM

₹3,344.68 Cr

Baroda BNP Paribas Conservative Hybrid Fund-Dir (G)

Baroda BNP Paribas Conservative Hybrid Fund-Dir (G)

Equity | Conservative Hybrid Fund

1Y returns

3.77%

Min. Invest

₹1,000

AUM

₹935.50 Cr

HSBC Conservative Hybrid Fund - Direct (G)

HSBC Conservative Hybrid Fund - Direct (G)

Equity | Conservative Hybrid Fund

1Y returns

3.41%

Min. Invest

₹5,000

AUM

₹148.87 Cr

DSP Regular Savings Fund - Direct (G)

DSP Regular Savings Fund - Direct (G)

Equity | Conservative Hybrid Fund

1Y returns

3.02%

Min. Invest

₹100

AUM

₹178.55 Cr

Bank of India Conservative Hybrid Fund - Direct (G)

Bank of India Conservative Hybrid Fund - Direct (G)

Equity | Conservative Hybrid Fund

1Y returns

2.33%

Min. Invest

₹5,000

AUM

₹64.12 Cr

Kotak Debt Hybrid Fund - Direct (G)

Kotak Debt Hybrid Fund - Direct (G)

Equity | Conservative Hybrid Fund

1Y returns

1.39%

Min. Invest

₹100

AUM

₹2,862.47 Cr

LIC MF Conservative Hybrid Fund - Direct (G)

LIC MF Conservative Hybrid Fund - Direct (G)

Equity | Conservative Hybrid Fund

1Y returns

1.35%

Min. Invest

₹5,000

AUM

₹45.83 Cr

Bandhan Conservative Hybrid Fund - Direct (G)

Bandhan Conservative Hybrid Fund - Direct (G)

Equity | Conservative Hybrid Fund

1Y returns

1.31%

Min. Invest

₹1,000

AUM

₹96.44 Cr

AXIS Conservative Hybrid Fund - Direct (G)

AXIS Conservative Hybrid Fund - Direct (G)

Equity | Conservative Hybrid Fund

1Y returns

1.24%

Min. Invest

₹500

AUM

₹218.10 Cr

Canara Robeco Conservative Hybrid Fund-Dir (G)

Canara Robeco Conservative Hybrid Fund-Dir (G)

Equity | Conservative Hybrid Fund

1Y returns

1.04%

Min. Invest

₹5,000

AUM

₹853.53 Cr

HDFC Hybrid Debt Fund - Direct (G)

HDFC Hybrid Debt Fund - Direct (G)

Equity | Conservative Hybrid Fund

1Y returns

0.78%

Min. Invest

₹100

AUM

₹3,218.07 Cr

UTI-Conservative Hybrid Fund - Direct (G)

UTI-Conservative Hybrid Fund - Direct (G)

Equity | Conservative Hybrid Fund

1Y returns

0.52%

Min. Invest

₹5,000

AUM

₹1,641.13 Cr

Franklin India Conservative Hybrid Fund - Dir (G)

Franklin India Conservative Hybrid Fund - Dir (G)

Equity | Conservative Hybrid Fund

1Y returns

0.46%

Min. Invest

₹10,000

AUM

₹192.28 Cr

Sundaram Conservative Hybrid Fund - Dir (G)

Sundaram Conservative Hybrid Fund - Dir (G)

Equity | Conservative Hybrid Fund

1Y returns

-1.14%

Min. Invest

₹5,000

AUM

₹18.56 Cr

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What are Conservative Hybrid Funds?

Conservative hybrid funds are a type of mutual fund that invests primarily in debt instruments with a smaller allocation to equities. Typically, these funds allocate 75% to 90% of their assets to debt and fixed income securities and the remaining 10% to 25% to equities. This conservative approach aims to provide stable returns with lower risk compared to pure equity funds.  

Characteristics of Conservative Mutual Funds

These funds prioritize capital preservation and stable returns through low-risk investments like government bonds and blue-chip stocks. Understanding their characteristics helps investors align investments with their risk tolerance and financial goals. Read below the points that explain its characteristics. 
  • Low Risk: The majority of these investments are in debt instruments, which are less volatile.
  • Stable Returns: They are designed to provide consistent returns over time.
  • Diversification: These funds invest in a mix of debt and equity to balance risk and return.
  • Income Generation: It provides regular income through interest from debt securities.
  • Professional Management: These funds are managed by experienced fund managers.
  • Liquidity: It is easy to buy and sell units, providing flexibility.

 

How do the Best Conservative Mutual Funds Work?

These funds work by investing a significant part of their assets in debt instruments such as government bonds, corporate bonds, and other fixed income securities. The remaining portion is invested in equities to provide growth potential. Fund managers actively manage the portfolio. They rebalance it to maintain the desired allocation between debt and equity. The aim is to optimize returns while minimizing risk appetite.

Why Invest in Conservative Mutual Funds?

Investing in these funds offers several benefits. These funds provide a balanced approach to investing by combining debt instruments’ stability with equities’ growth potential. They are suitable for conservative investors looking for steady returns with lower risk. Also, these funds can serve as a good alternative to traditional fixed deposits. It offers potentially higher returns with similar risk levels.  

Who Should Invest in Conservative Funds?

Understanding this helps protect your savings and aligns investment choices with your financial goals and risk tolerance. People who are suitable for these funds are: 
  • Risk averse investors: Ideal for those with a low risk tolerance.
  • Income seekers: Suitable for investors looking for regular income.
  • Retirees: Good option for retirees seeking stable returns.
  • First time investors: Suitable for new investors looking to enter equity related instruments with lower risk.
  • Diversification seekers: Beneficial for those looking to diversify their portfolio.
  • Short to medium term investors: Ideal for those with an investment horizon of 2 to 3 years.
 

Considerations for Investing in Conservative Hybrid Mutual Fund Schemes

These funds combine debt (70-75%) and equity (25-30%) to balance safety and growth. It suits risk-averse investors seeking better returns than pure debt funds with moderate market exposure. Now, what you need to consider to find the best among the options: 
  • Expense Ratio: Check the fund’s expense ratio as it impacts net returns.
  • Fund Manager’s Expertise: The success of the fund depends on the manager’s skills.
  • Market Conditions: The fund’s performance is influenced by market volatility and liquidity.
  • Investment Horizon: Ideal for short to medium term investments.
  • Tax Implications: Understand the tax benefits and implications.
  • Historical Performance: Review the fund’s past performance to gauge potential returns.
  • Asset Allocation Strategy: Understand the fund’s strategy for adjusting asset allocation.

 

Risks Associated with Conservative Hybrid Funds

While these funds are considered low risk, they are not entirely risk free. The primary risks include interest rate risk, where changes in interest rates can affect the value of debt securities. It also has credit risk, where the issuer of a debt security may default on payments. Additionally, the equity portion of the fund can be subject to market volatility, impacting overall returns.  

Conservative Funds Taxation Rules

These funds are treated as debt funds for tax purposes. Short term capital gains are for a holding period of less than 36 months. These are taxed as per the investor’s income tax slab. The long term capital gains are for a holding period of more than 36 months. The gains are taxed at 20% with indexation benefits. Dividends received from these funds are also subject to dividend distribution tax (DDT), which is deducted at the source.

FAQ’s

Are conservative funds completely risk free?
No, the best conservative funds are not entirely risk free. While they are lower risk compared to pure equity funds, they still carry risks such as interest rate risk, credit risk, and market volatility.

What is the investment horizon to see good outcomes with conservative funds?
The ideal investment horizon for the best conservative funds is typically 2 to 3 years. This allows the fund to navigate short term market fluctuations and provide stable returns.

What is the duration to stay invested in Conservative Hybrid Mutual Funds?
It is recommended to stay invested in the best conservative mutual funds for at least 2 to 3 years. This will achieve optimal returns and benefit from the fund’s balanced approach to risk and return.


Where do Conservative Hybrid Mutual Funds make their investment?
Conservative Hybrid Mutual Funds invest primarily in debt instruments such as government bonds, corporate bonds, and other fixed income securities. A smaller portion is invested in debt equities to provide growth potential.



What kind of returns can I earn from Conservative Hybrid?
Returns from conservative hybrid mutual funds can vary based on market conditions and the fund manager’s decisions. These funds have provided moderate returns, higher than traditional fixed deposits but lower than pure equity funds.

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