🔒 Low-Risk Mutual Funds (Stable Returns)
Ideal for conservative investors seeking capital preservation with moderate returns.
1. HDFC Overnight Fund – Direct Plan (Growth)
- Category: Debt – Overnight
- 1-Year Return: 6.6%
- 5-Year Return: 4.9%
- Expense Ratio: 0.10
- AUM: ₹12,517 Crores
- Minimum Investment: ₹5,000 (Lump Sum), ₹1,000 (SIP)
This fund invests in overnight securities, making it one of the safest options with minimal interest rate risk.
2. Nippon India Arbitrage Fund – Direct Plan (Growth)
- Category: Hybrid – Arbitrage
- 1-Year Return: 7.9%
- 5-Year Return: 6.1%
- Expense Ratio: 0.40%
- AUM: ₹14,436 Crores
- Minimum Investment: ₹5,000 (Lump Sum), ₹1,000 (SIP)
Utilizes arbitrage opportunities between cash and derivative markets, offering low-risk returns.
3. Mahindra Liquid Fund – Direct Plan (Growth)
- Category: Debt – Liquid
- 1-Year Return: 7.3%
- 5-Year Return: 5.4%
- Expense Ratio: 0.26%
- AUM: ₹1,227 Crores
- Minimum Investment: ₹1,000 (Lump Sum), ₹500 (SIP)
Offers high liquidity and is suitable for short-term investments.
⚖️ Moderate-Risk Mutual Funds
Suitable for investors aiming for a balance between risk and returns
1. ICICI Prudential Equity & Debt Fund – Direct Plan (Growth)
- Category: Hybrid – Aggressive
- 1-Year Return: 28.08%
- 5-Year Return: 18.47%
- Expense Ratio: 0.90%
- AUM: ₹28,006 Crores
- Minimum Investment: ₹5,000 (Lump Sum), ₹1,000 (SIP)
Combines equity and debt investments, aiming for steady returns with controlled risk.
2. HDFC Balanced Advantage Fund – Direct Plan (Growth)
- Category: Hybrid – Dynamic Asset Allocation
- 5-Year Return: 27.14%
- Expense Ratio: 0.79%
- Minimum Investment: ₹5,000 (Lump Sum), ₹1,000 (SIP)
Dynamically adjusts equity and debt allocation based on market conditions, offering a balanced approach.
3. Canara Robeco Conservative Hybrid Fund – Direct Plan (Growth)
- Category: Hybrid – Conservative
- 5-Year Return: 10.59%
- Expense Ratio: Data Not Available
- Minimum Investment: Data Not Available
Focuses more on debt instruments with a smaller equity component, suitable for conservative investors seeking moderate growth.
🚀 High-Risk Mutual Funds
Best suited for investors with a higher risk appetite aiming for substantial long-term returns.
1. Bandhan Small Cap Fund – Direct Plan (Growth)
- Category: Equity – Small Cap
- 5-Year CAGR: 36.4%
- Expense Ratio: Data Not Available
- Minimum Investment: Data Not Available
This fund has consistently outperformed its benchmark, making it attractive for aggressive investors.
2. ICICI Prudential Multi-Asset Fund – Direct Plan (Growth)
- Category: Hybrid – Multi Asset
- 5-Year Return: 19.01%
- Expense Ratio: Data Not Available
- Minimum Investment: Data Not Available
Invests across equity, debt, and gold, providing diversification and potential for high returns.
3. Mirae Asset Tax Saver Fund (ELSS) – Direct Plan (Growth)
- Category: Equity – ELSS
- Expense Ratio: 0.50%
- Minimum Investment: ₹500 (Lump Sum and SIP)
Offers tax benefits under Section 80C with the potential for long-term capital appreciation.
📊 Comparative Overview
| Fund Name | Category | 1-Year Return | 5-Year Return | Risk Level | Expense Ratio |
|---|---|---|---|---|---|
| HDFC Overnight Fund | Debt – Overnight | 6.6% | 4.9% | Low | 0.10% |
| Nippon India Arbitrage Fund | Hybrid – Arbitrage | 7.9% | 6.1% | Low | 0.40% |
| Mahindra Liquid Fund | Debt – Liquid | 7.3% | 5.4% | Low | 0.26% |
| ICICI Prudential Equity & Debt Fund | Hybrid – Aggressive | 28.08% | 18.47% | Moderate | 0.90% |
| HDFC Balanced Advantage Fund | Hybrid – Dynamic | Data Not Available | 27.14% | Moderate | 0.79% |
| Canara Robeco Conservative Hybrid Fund | Hybrid – Conservative | Data Not Available | 10.59% | Moderate | Data Not Available |
| Bandhan Small Cap Fund | Equity – Small Cap | Data Not Available | 36.4% | High | Data Not Available |
| ICICI Prudential Multi-Asset Fund | Hybrid – Multi Asset | Data Not Available | 19.01% | High | Data Not Available |
| Mirae Asset Tax Saver Fund (ELSS) | Equity – ELSS | Data Not Available | Data Not Available | High | 0.50% |
📝 Conclusion
Selecting the right mutual fund depends on your individual financial goals, investment horizon, and risk tolerance. Low-risk funds are suitable for capital preservation, moderate-risk funds offer a balance between risk and return, and high-risk funds aim for substantial growth over the long term. It’s advisable to consult with a financial advisor to tailor an investment strategy that aligns with your objectives.
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