Conservative Mutual Funds
Find here some best Conservative fund to invest
- Annual Returns 8.76%
- Average Risk Medium
- Total Funds 19
What is Conservative Mutual Fund?
The conservative hybrid category of mutual funds invests the majority of the corpus in the debt instruments while a smaller proportion is invested in equities to earn capital gains. In general, conservative hybrid mutual funds allocate 75-90% of the corpus in fixed income securities and the rest in equities. As the allocation in debt tools is very high, the risk is very low in such schemes. These funds can be chosen by conservative investors for capital appreciation and income distribution.
MoreTop 5 Conservative Funds for 2-3X Returns in 5 Yrs
Latest Recommendation By Team of ExpertsTop Performing Conservative in India for High Return
|
Lumpsum 3Y P.a
11.9%
|
SIP 3Y P.a.
20.11%
|
Return Vs Category
High |
Risk Vs Category
Average |
Invest | |
|
Lumpsum 3Y P.a
11.09%
|
SIP 3Y P.a.
19.32%
|
Return Vs Category
High |
Risk Vs Category
Average |
Invest | |
|
Kotak Debt Hybrid - Growth Hybrid |
Lumpsum 3Y P.a
11.07%
|
SIP 3Y P.a.
19.33%
|
Return Vs Category
High |
Risk Vs Category
Average |
Invest |
|
Lumpsum 3Y P.a
10.82%
|
SIP 3Y P.a.
18.13%
|
Return Vs Category
High |
Risk Vs Category
High |
Invest | |
|
Lumpsum 3Y P.a
10.25%
|
SIP 3Y P.a.
16.61%
|
Return Vs Category
High |
Risk Vs Category
Average |
Invest | |
|
Lumpsum 3Y P.a
10.12%
|
SIP 3Y P.a.
-
|
Return Vs Category
High |
Risk Vs Category
Average |
Invest | |
|
Lumpsum 3Y P.a
9.02%
|
SIP 3Y P.a.
17.43%
|
Return Vs Category
High |
Risk Vs Category
Average |
Invest | |
|
Lumpsum 3Y P.a
8.97%
|
SIP 3Y P.a.
12.61%
|
Return Vs Category
High |
Risk Vs Category
Average |
Invest | |
|
Lumpsum 3Y P.a
8.84%
|
SIP 3Y P.a.
15.89%
|
Return Vs Category
Medium |
Risk Vs Category
Average |
Invest | |
|
Lumpsum 3Y P.a
8.84%
|
SIP 3Y P.a.
15.89%
|
Return Vs Category
Medium |
Risk Vs Category
Average |
Invest |
Short Term
Long Term
SIP
Rolling Term
1 Week
0.23%
|
1 Month
1.09%
|
3 Months
4.44%
|
6 Months
7.43%
|
1 Year
19.37%
|
Invest | ||
1 Week
0.38%
|
1 Month
0.87%
|
3 Months
4.09%
|
6 Months
7.28%
|
1 Year
16.56%
|
Invest | ||
Kotak Debt Hybrid - Growth Hybrid |
1 Week
0.29%
|
1 Month
1.66%
|
3 Months
4.99%
|
6 Months
8.28%
|
1 Year
18.22%
|
Invest | |
1 Week
0.21%
|
1 Month
0.79%
|
3 Months
4.57%
|
6 Months
8.19%
|
1 Year
14.65%
|
Invest | ||
1 Week
0.45%
|
1 Month
1.4%
|
3 Months
5.71%
|
6 Months
9.2%
|
1 Year
16.44%
|
Invest | ||
1 Week
0.44%
|
1 Month
1.39%
|
3 Months
4.94%
|
6 Months
8.21%
|
1 Year
15.44%
|
Invest | ||
1 Week
0.2%
|
1 Month
1.06%
|
3 Months
5.1%
|
6 Months
10.55%
|
1 Year
17.97%
|
Invest | ||
1 Week
0.37%
|
1 Month
0.72%
|
3 Months
3.61%
|
6 Months
5.42%
|
1 Year
11.21%
|
Invest | ||
1 Week
0.45%
|
1 Month
0.98%
|
3 Months
4.29%
|
6 Months
7.42%
|
1 Year
15.37%
|
Invest | ||
1 Week
0.45%
|
1 Month
0.98%
|
3 Months
4.29%
|
6 Months
7.42%
|
1 Year
15.37%
|
Invest |
2 Years
13.45%
|
3 Years
11.9%
|
5 Years
-
|
Annual Rt
11.3%
|
Invest | ||
2 Years
13.67%
|
3 Years
11.09%
|
5 Years
11.51%
|
Annual Rt
10.51%
|
Invest | ||
Kotak Debt Hybrid - Growth Hybrid |
2 Years
13.61%
|
3 Years
11.07%
|
5 Years
12.33%
|
Annual Rt
8.69%
|
Invest | |
2 Years
12.55%
|
3 Years
10.82%
|
5 Years
11.71%
|
Annual Rt
8.61%
|
Invest | ||
2 Years
12.1%
|
3 Years
10.25%
|
5 Years
10.38%
|
Annual Rt
9.55%
|
Invest | ||
2 Years
11.85%
|
3 Years
10.12%
|
5 Years
10.57%
|
Annual Rt
10.11%
|
Invest | ||
2 Years
12.61%
|
3 Years
9.02%
|
5 Years
9.38%
|
Annual Rt
8.99%
|
Invest | ||
2 Years
9.17%
|
3 Years
8.97%
|
5 Years
9.1%
|
Annual Rt
7.48%
|
Invest | ||
2 Years
11.52%
|
3 Years
8.84%
|
5 Years
8.85%
|
Annual Rt
9.42%
|
Invest | ||
2 Years
11.52%
|
3 Years
8.84%
|
5 Years
8.85%
|
Annual Rt
9.42%
|
Invest |
1 Year
-
|
2 Years
-
|
3 Years
-
|
5 Years
-
|
Invest | ||
1 Year
-
|
2 Years
-
|
3 Years
-
|
5 Years
-
|
Invest | ||
Kotak Debt Hybrid - Growth Hybrid |
1 Year
-
|
2 Years
-
|
3 Years
-
|
5 Years
-
|
Invest | |
1 Year
-
|
2 Years
-
|
3 Years
-
|
5 Years
-
|
Invest | ||
1 Year
-
|
2 Years
-
|
3 Years
-
|
5 Years
-
|
Invest | ||
1 Year
-
|
2 Years
-
|
3 Years
-
|
5 Years
-
|
Invest | ||
1 Year
-
|
2 Years
-
|
3 Years
-
|
5 Years
-
|
Invest | ||
1 Year
-
|
2 Years
-
|
3 Years
-
|
5 Years
-
|
Invest | ||
1 Year
-
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2 Years
-
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3 Years
-
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5 Years
-
|
Invest | ||
1 Year
-
|
2 Years
-
|
3 Years
-
|
5 Years
-
|
Invest |
1 Year
0%
|
3 Years
0%
|
5 Years
0%
|
Invest | ||
1 Year
0%
|
3 Years
0%
|
5 Years
0%
|
Invest | ||
Kotak Debt Hybrid - Growth Hybrid |
1 Year
0%
|
3 Years
0%
|
5 Years
0%
|
Invest | |
1 Year
0%
|
3 Years
0%
|
5 Years
0%
|
Invest | ||
1 Year
0%
|
3 Years
0%
|
5 Years
0%
|
Invest | ||
1 Year
0%
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3 Years
0%
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5 Years
0%
|
Invest | ||
1 Year
0%
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3 Years
0%
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5 Years
0%
|
Invest | ||
1 Year
0%
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3 Years
0%
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5 Years
0%
|
Invest | ||
1 Year
0%
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3 Years
0%
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5 Years
0%
|
Invest | ||
1 Year
0%
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3 Years
0%
|
5 Years
0%
|
Invest |
Standard Deviation
-
|
Alpha
-
|
Beta
-
|
Sharpe Ratio
-
|
Invest | ||
Standard Deviation
-
|
Alpha
-
|
Beta
-
|
Sharpe Ratio
-
|
Invest | ||
Kotak Debt Hybrid - Growth Hybrid |
Standard Deviation
-
|
Alpha
-
|
Beta
-
|
Sharpe Ratio
-
|
Invest | |
Standard Deviation
-
|
Alpha
-
|
Beta
-
|
Sharpe Ratio
-
|
Invest | ||
Standard Deviation
-
|
Alpha
-
|
Beta
-
|
Sharpe Ratio
-
|
Invest | ||
Standard Deviation
-
|
Alpha
-
|
Beta
-
|
Sharpe Ratio
-
|
Invest | ||
Standard Deviation
-
|
Alpha
-
|
Beta
-
|
Sharpe Ratio
-
|
Invest | ||
Standard Deviation
-
|
Alpha
-
|
Beta
-
|
Sharpe Ratio
-
|
Invest | ||
Standard Deviation
-
|
Alpha
-
|
Beta
-
|
Sharpe Ratio
-
|
Invest | ||
Standard Deviation
-
|
Alpha
-
|
Beta
-
|
Sharpe Ratio
-
|
Invest |
Min SIP
₹1000
|
Min Lumpsum
₹5000
|
Expense Ratio
0.63%
|
Fund Manager
Rajeev Thakkar
|
Launch Date
05-May 2021
|
Invest | ||
Min SIP
₹100
|
Min Lumpsum
₹100
|
Expense Ratio
1.77%
|
Fund Manager
Shobhit Mehrotra
|
Launch Date
01-Dec 2003
|
Invest | ||
Kotak Debt Hybrid - Growth Hybrid |
Min SIP
₹100
|
Min Lumpsum
₹100
|
Expense Ratio
1.68%
|
Fund Manager
Abhishek Bisen
|
Launch Date
02-Dec 2003
|
Invest | |
Min SIP
₹500
|
Min Lumpsum
₹5000
|
Expense Ratio
1.11%
|
Fund Manager
Saurabh Pant
|
Launch Date
25-Mar 2001
|
Invest | ||
Min SIP
₹500
|
Min Lumpsum
₹5000
|
Expense Ratio
1.8%
|
Fund Manager
Amit Kumar Premchandani
|
Launch Date
16-Dec 2003
|
Invest | ||
Min SIP
₹500
|
Min Lumpsum
₹5000
|
Expense Ratio
1.67%
|
Fund Manager
Manish Banthia
|
Launch Date
10-Mar 2004
|
Invest | ||
Min SIP
₹1000
|
Min Lumpsum
₹5000
|
Expense Ratio
2.17%
|
Fund Manager
Mahesh A Chhabria
|
Launch Date
24-Feb 2004
|
Invest | ||
Min SIP
₹250
|
Min Lumpsum
₹5000
|
Expense Ratio
2.14%
|
Fund Manager
Dwijendra Srivastava
|
Launch Date
01-Mar 2010
|
Invest | ||
Min SIP
₹500
|
Min Lumpsum
₹10000
|
Expense Ratio
1.4%
|
Fund Manager
Rahul Goswami
|
Launch Date
28-Sep 2000
|
Invest | ||
Min SIP
₹500
|
Min Lumpsum
₹10000
|
Expense Ratio
1.4%
|
Fund Manager
Rahul Goswami
|
Launch Date
28-Sep 2000
|
Invest |
Latest NAV
14.3047(30-10-2024)
|
Previous NAV
14.3047(30-10-2024)
|
NAV Change
0.2889%
|
52- Week High NAV
-
|
52- Week Low NAV
-
|
Invest | ||
Latest NAV
79.1472(30-10-2024)
|
Previous NAV
79.1472(30-10-2024)
|
NAV Change
-0.2308%
|
52- Week High NAV
-
|
52- Week Low NAV
-
|
Invest | ||
Kotak Debt Hybrid - Growth Hybrid |
Latest NAV
56.5188(30-10-2024)
|
Previous NAV
56.5188(30-10-2024)
|
NAV Change
0.068%
|
52- Week High NAV
-
|
52- Week Low NAV
-
|
Invest | |
Latest NAV
69.6849(30-10-2024)
|
Previous NAV
69.6849(30-10-2024)
|
NAV Change
-0.1187%
|
52- Week High NAV
-
|
52- Week Low NAV
-
|
Invest | ||
Latest NAV
66.49(30-10-2024)
|
Previous NAV
66.49(30-10-2024)
|
NAV Change
-0.1942%
|
52- Week High NAV
-
|
52- Week Low NAV
-
|
Invest | ||
Latest NAV
71.7062(30-10-2024)
|
Previous NAV
71.7062(30-10-2024)
|
NAV Change
-0.0455%
|
52- Week High NAV
-
|
52- Week Low NAV
-
|
Invest | ||
Latest NAV
58.5587(30-10-2024)
|
Previous NAV
58.5587(30-10-2024)
|
NAV Change
-0.1212%
|
52- Week High NAV
-
|
52- Week Low NAV
-
|
Invest | ||
Latest NAV
28.7109(30-10-2024)
|
Previous NAV
28.7109(30-10-2024)
|
NAV Change
-0.1205%
|
52- Week High NAV
-
|
52- Week Low NAV
-
|
Invest | ||
Latest NAV
86.3591(30-10-2024)
|
Previous NAV
86.3591(30-10-2024)
|
NAV Change
-0.1515%
|
52- Week High NAV
-
|
52- Week Low NAV
-
|
Invest | ||
Latest NAV
86.3591(30-10-2024)
|
Previous NAV
86.3591(30-10-2024)
|
NAV Change
-0.1515%
|
52- Week High NAV
-
|
52- Week Low NAV
-
|
Invest |
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Future Value
Invested Amt.
+Net Profit
=Total Wealth
- Invested Amount
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- Invested Amount ₹43,855
- Interest Earned ₹6,145
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MIP Conservative Investing Majorly in Debt Instruments
MIP conservative schemes are mutual funds which allow the clients to secure their money by investing a major portion in debt instruments and a relative less in equity and other capital appreciation schemes. However, MIP fund is a scheme of the debt category but, they also invest in other capital intensive instruments as well. The scheme is for clients who want to shield their money from the market tantrums along with having an edge of equity investments. The clients get the benefit of capital appreciation in the scheme and the scheme make it possible to convert their savings into investment through a secured means. The clients have an opportunity to invest in debt funds and capture the returns according to the aspirations of the clients.
MIP conservative : Understanding MIP and Conservative separately
MIP conservative is a single plan but includes the feature of two different words i.e., MIP and conservative, each of which holding a separate meaning and value of their own. Monthly Income Plan or MIP (as it is popularly known), is a method which enables the clients to get a monthly return for their investments. It is best suited for those who intend to plan for their retirement. MIP allows the clients to have a monthly income source rather than withdrawing unequal amounts from the corpus. Conservative is the term used to define the schemes which are more secure. It means that they invest a major portion of the client’s money in debt instruments with a pinch of equity investment to the client’s investment. Thus, combined MIP conservative is an innovative scheme which provides the benefits of monthly withdrawal for the clients and invests their accumulated amount majorly in the money market instruments. Therefore, one can say that MIP conservative schemes will prove to be the best plans for investing regarding their retirement.
MIP conservative : A few benefits of the scheme
- Tax planning for senior citizens:- MIP conservative scheme follow the same taxation policies like the rest of the mutual fund schemes. The mutual fund taxation policy has the guidelines of providing the benefits to the clients who invest in the MIP conservative schemes for more than a year. Such an investment would be termed under the long-term capital gains and the clients will receive a 20% with indexation and 10% without indexation benefits for their taxes. The clients who tend to invest in MIP conservative scheme for a shorter duration will be exempted from the taxation benefits as their investments will be termed under the short-term capital gains and they would have to pay their taxes according to their Income Tax slab.
- Interest rates play a vital role:- MIP conservative schemes invest majorly in the money market instruments and thus the fluctuation in the interest rates highly affects the returns they tend to produce. However, it also invest in equity and cash but the fluctuating share prices have a little or affect on the returns as the percentage of investment in them is quite low. The clients can be very relaxed as the interest rates do not fluctuate daily like the share prices. Hence, the clients receive a fixed rate of return for their investment which seldom gets affected that too with the slightest degree.
- Regularize your income even after retirement:- The clients who invest in MIP conservative schemes have an advantage of earning a fixed income much similar like a salary every month. The amount gets accumulated till the maturity date of the scheme. And after the scheme reaches the maturity you are allowed to fix an amount which would be credited to your account every month on a stipulated date. This will be similar to your salary being credited to your account every month. The clients can budget their income even after retirement. The most important benefit of this functionality is that the clients will not withdraw unequal amount as and when required, which will save money and make it last long.
- Beneficial to the first-timer:- MIP conservative can be a beneficial scheme for the newbie clients and help them to have the exact idea as to how the mutual fund schemes operate. They would also have the benefit of investing a major portion in the secured avenues of the industry while only a very less proportion in the equity schemes. Thus, they will get back their money in installments which would be invested in the money market instruments. So, they will not have to worry about the safety of their money as well.
To conclude, the investment in MIP funds is quite secure in terms of money and will also make the clients money grow with a hint of equity investment as well. The clients can enjoy their post-retirement life easily if their portfolio consists of MIP conservative schemes.
With the growing trend of online investing, mutual fund investing has also moved on to the next level of technology. My SIP Online is one of the best online mutual fund houses which allows the clients to customize their portfolio and present to you the list of top performing MIP funds in India and help you to grow. So, you can stop worrying and commence your investing soon for having a happy post-retirement life. We have a team of experts who are ready to assist you throughout the entire investment process.
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