Conservative Hybrid Mutual Funds
75–90% debt, 10–25% equity.
Mostly debt with a slice of equity for growth. Steadier than an equity fund and more rewarding than a pure debt fund over long periods, with real but limited downside.
Who it suits. Retirees and anybody who needs the money to be mostly safe but not idle. Hold for 3 years or more.
Direct plans in this category
- Parag Parikh Conservative Hybrid FundPPFAS Mutual Fund · NAV ₹16.15 5.5% 10.6% 9.8%
- Kotak Conservative Hybrid FundKotak Mahindra Mutual Fund · NAV ₹70.33 4.5% 9.4% 9.4%
- SBI CONSERVATIVE HYBRID FUNDSBI Mutual Fund · NAV ₹84.36 5.8% 9.0% 9.2%
- Nippon India Conservative Hybrid Fund (Existing number of Segregated Portfolios - 1)Nippon India Mutual Fund · NAV ₹69.37 7.5% 9.0% 8.6%
- HDFC Conservative Hybrid FundHDFC Mutual Fund · NAV ₹89.91 3.2% 8.0% 8.5%
- HSBC Conservative Hybrid FundHSBC Mutual Fund · NAV ₹72.15 4.4% 9.8% 8.4%
- UTI Conservative Hybrid FundUTI Mutual Fund · NAV ₹77.49 3.1% 8.5% 8.3%
- DSP Conservative Hybrid FundDSP Mutual Fund · NAV ₹69.38 4.7% 9.2% 7.8%
- Franklin India Conservative Hybrid FundFranklin Templeton Mutual Fund · NAV ₹102.97 2.8% 8.4% 7.7%
- Canara Robeco Conservative Hybrid FundCanara Robeco Mutual Fund · NAV ₹116.51 3.9% 8.5% 7.6%
- Sundaram Conservative Hybrid Fund (Formerly Known as Sundaram Debt Oriented Hybrid Fund)Sundaram Mutual Fund · NAV ₹32.94 1.3% 5.9% 7.2%
- Axis Conservative Hybrid FundAxis Mutual Fund · NAV ₹36.33 3.4% 7.4% 6.6%
- BANDHAN CONSERVATIVE HYBRID FUNDBandhan Mutual Fund · NAV ₹37.53 4.9% 7.9% 6.3%
- LIC MF Conservative Hybrid FundLIC Mutual Fund · NAV ₹95.31 5.2% 7.2% 6.0%
- Aditya Birla Sun Life Regular Savings FundAditya Birla Sun Life Mutual Fund · NAV ₹79.67 — — —
- BARODA BNP PARIBAS CONSERVATIVE HYBRID FUNDBaroda BNP Paribas Mutual Fund · NAV ₹57.96 6.0% 9.1% —
- ICICI Prudential Conservative Hybrid FundICICI Prudential Mutual Fund · NAV ₹88.05 — — —
Point-to-point CAGR from AMFI NAV history, Direct plans only. Ordered by five-year return so the list has a shape, not because the order is a judgement. Past returns do not predict future ones — a fund near the top is usually there because its style suited the last five years, and styles take turns.
Other categories
Questions people ask
What is a Conservative Hybrid fund?
75–90% debt, 10–25% equity. Mostly debt with a slice of equity for growth. Steadier than an equity fund and more rewarding than a pure debt fund over long periods, with real but limited downside.
Who should invest in Conservative Hybrid funds?
Retirees and anybody who needs the money to be mostly safe but not idle. A sensible holding period is 3 years or more.
How is this list ordered?
By five-year CAGR computed from AMFI's published NAV history, within one plan type. It is a sort, not a verdict — a fund near the top is there because its style suited the last five years, which is not a promise about the next five.
Should I choose the Direct or Regular plan?
A Direct plan holds exactly the same portfolio without the distributor commission, so its expense ratio is lower — commonly 0.5% to 1.2% a year — and it compounds ahead of the Regular plan for ever. Choose Regular only if you want an intermediary's advice and are content to pay for it annually.