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HomeMutual FundsMF To InvestLow to Moderate Risk Mutual Funds
Low to Moderate Risk Mutual Funds
Here you get all mutual funds labeled as “Moderately Low Risk,” ranked by their strongest five-year returns. We list only the top 50 funds, highlighting those that aim for cautious growth. This makes it simpler to identify investment options which focus on capital preservation while still seeking reasonable long-term performance.
Funds with Low to Moderate Risk
Name | NAV | AUM (in Cr.) | 1M Returns | 3M Returns | 1 Yr Returns | 3 Yr Returns | 5 Yr Returns  | Rating | Exp Ratio | Risk | Min Monthly SIP | Min Lumpsum | Category | Sub Category |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
 ICICI Prudential Equity Savings Fund Direct - Growth | ₹ 23.37 | ₹ 12,610.00 | 1.21% | 1.34% | 8.24% | 8.89% | 12.58% | 4  | 0.50% | Moderately Low | ₹ 100 | ₹ 5,000 | Hybrid | Equity Savings |
 Nippon India Equity Savings Fund- Direct Plan-bonus | ₹ 17.01 | ₹ 677.47 | 1.91% | 0.61% | 7.40% | 9.18% | 12.57% | 2 | 0.74% | Moderately Low | ₹ 0 | ₹ 5,000 | Hybrid | Equity Savings |
| Nippon India Equity Savings Fund Direct - Growth | ₹ 17.01 | ₹ 677.47 | 1.91% | 0.61% | 7.40% | 9.18% | 12.57% | 2 | 0.74% | Moderately Low | ₹ 100 | ₹ 5,000 | Hybrid | Equity Savings |
 Bandhan Equity Savings Fund Direct - Growth | ₹ 33.61 | ₹ 263.36 | 0.63% | 1.39% | 8.03% | 8.17% | 12.20% | 3 | 0.19% | Moderately Low | ₹ 100 | ₹ 1,000 | Hybrid | Equity Savings |
 PGIM India Equity Savings Fund Direct - Growth | ₹ 54.07 | ₹ 68.41 | 1.26% | 1.02% | 7.55% | 7.32% | 11.46% | 3 | 0.54% | Moderately Low | ₹ 1,000 | ₹ 5,000 | Hybrid | Equity Savings |
 UTI Dynamic Bond Fund Direct - Growth | ₹ 32.77 | ₹ 626.63 | 1.00% | 2.16% | 8.92% | 9.91% | 10.22% | 5 | 0.69% | Moderately Low | ₹ 500 | ₹ 500 | Debt | Dynamic Bond |
 JM Low Duration Fund Direct - Growth | ₹ 37.19 | ₹ 226.52 | 0.63% | 1.96% | 7.88% | 6.74% | 9.95% | 4 | 0.35% | Moderately Low | ₹ 100 | ₹ 1,000 | Debt | Low Duration Fund |
 Bank of India Short Term Income Fund Direct - Growth | ₹ 28.36 | ₹ 115.12 | 0.72% | 2.01% | 9.82% | 14.58% | 8.70% | 4 | 0.45% | Moderately Low | ₹ 1,000 | ₹ 5,000 | Debt | Short Duration Fund |
 Invesco India Credit Risk Fund Direct - Growth | ₹ 2,091.22 | ₹ 143.02 | 2.86% | 4.26% | 10.83% | 9.42% | 8.44% | 4 | 0.28% | Moderately Low | ₹ 1,000 | ₹ 1,000 | Debt | Credit Risk Fund |
 HSBC Income Plus Arbitrage Active FoF Fund Direct - Growth | ₹ 22.18 | ₹ 19.31 | 0.61% | 0.81% | 7.99% | 7.10% | 7.96% | 3 | 0.51% | Moderately Low | ₹ 1,000 | ₹ 5,000 | Hybrid | Income plus Arbitrage FoF |
| ICICI Prudential Floating Interest Fund Direct - Growth | ₹ 451.44 | ₹ 7,189.37 | 0.59% | 1.91% | 8.59% | 7.85% | 7.77% | 5 | 0.55% | Moderately Low | ₹ 100 | ₹ 500 | Debt | Floater Fund |
 Kotak Floating Rate Fund Direct - Growth | ₹ 1,504.20 | ₹ 3,243.10 | 0.70% | 2.00% | 8.82% | 7.08% | 7.63% | 4 | 0.25% | Moderately Low | ₹ 100 | ₹ 100 | Debt | Floater Fund |
| Kotak Bond Fund Direct - Growth | ₹ 84.11 | ₹ 2,039.54 | 1.20% | 2.21% | 9.02% | 7.32% | 7.62% | 5 | 0.70% | Moderately Low | ₹ 100 | ₹ 100 | Debt | Medium to Long Duration Fund |
| ICICI Prudential Corporate Bond Fund Direct - Growth | ₹ 30.42 | ₹ 29,289.70 | 0.76% | 2.06% | 8.39% | 7.41% | 7.61% | 5 | 0.35% | Moderately Low | ₹ 100 | ₹ 100 | Debt | Corporate Bond Fund |
| Nippon India Floating Rate Fund Direct - Growth | ₹ 46.22 | ₹ 7,593.17 | 0.65% | 2.00% | 8.47% | 7.01% | 7.60% | 4 | 0.32% | Moderately Low | ₹ 100 | ₹ 5,000 | Debt | Floater Fund |
| Kotak Gilt Investment PF & Trust Fund Direct - Growth | ₹ 110.10 | ₹ 3,902.26 | 1.87% | 2.42% | 9.44% | 7.81% | 7.59% | 5 | 0.47% | Moderately Low | ₹ 100 | ₹ 5,000 | Debt | Gilt Fund |
| Kotak Gilt Investment Fund Direct - Growth | ₹ 107.50 | ₹ 3,902.26 | 1.87% | 2.42% | 9.42% | 7.80% | 7.59% | 5 | 0.47% | Moderately Low | ₹ 100 | ₹ 100 | Debt | Gilt Fund |
| ICICI Prudential Banking & PSU Debt Fund Direct - Growth | ₹ 33.24 | ₹ 10,132.20 | 0.74% | 2.04% | 8.25% | 7.34% | 7.57% | 5 | 0.39% | Moderately Low | ₹ 100 | ₹ 500 | Debt | Banking and PSU Fund |
| UTI Low Duration Fund Direct - Growth | ₹ 3,519.29 | ₹ 3,217.39 | 0.63% | 1.90% | 7.78% | 6.79% | 7.50% | 4 | 0.39% | Moderately Low | ₹ 500 | ₹ 500 | Debt | Low Duration Fund |
| Bandhan Corporate Bond Fund Direct - Growth | ₹ 19.27 | ₹ 14,053.40 | 0.81% | 2.14% | 8.43% | 6.36% | 7.45% | 4 | 0.33% | Moderately Low | ₹ 100 | ₹ 1,000 | Debt | Corporate Bond Fund |
| PGIM India Corporate Bond Fund Direct - Growth | ₹ 46.71 | ₹ 95.08 | 0.79% | 2.08% | 8.47% | 6.80% | 7.41% | 4 | 0.28% | Moderately Low | ₹ 1,000 | ₹ 5,000 | Debt | Corporate Bond Fund |
 HDFC Banking and PSU Debt Fund Direct - Growth | ₹ 23.29 | ₹ 5,806.86 | 0.73% | 1.97% | 8.22% | 6.78% | 7.40% | 5 | 0.39% | Moderately Low | ₹ 100 | ₹ 100 | Debt | Banking and PSU Fund |
| Bandhan Banking & PSU Debt Fund Direct - Growth | ₹ 24.70 | ₹ 13,320.90 | 0.79% | 2.10% | 8.14% | 6.63% | 7.36% | 5 | 0.33% | Moderately Low | ₹ 100 | ₹ 1,000 | Debt | Banking and PSU Fund |
 DSP Strategic Bond Fund Direct - Growth | ₹ 3,521.89 | ₹ 1,653.33 | 1.78% | 2.24% | 9.44% | 7.69% | 7.36% | 5 | 0.54% | Moderately Low | ₹ 100 | ₹ 100 | Debt | Dynamic Bond |
 Tata Short Term Bond Fund Direct - Growth | ₹ 51.65 | ₹ 2,642.43 | 0.88% | 2.24% | 8.53% | 6.94% | 7.31% | 4 | 0.37% | Moderately Low | ₹ 500 | ₹ 5,000 | Debt | Short Duration Fund |
| PGIM India Dynamic Bond Fund Direct - Growth | ₹ 2,919.34 | ₹ 102.83 | 1.30% | 2.42% | 9.87% | 7.79% | 7.25% | 5 | 0.35% | Moderately Low | ₹ 1,000 | ₹ 5,000 | Debt | Dynamic Bond |
| Bandhan Income Plus Arbitrage FoF Fund Direct - Growth | ₹ 44.86 | ₹ 133.96 | 0.71% | 1.99% | 8.42% | 6.64% | 7.24% | 5 | 0.04% | Moderately Low | ₹ 100 | ₹ 1,000 | Other | FoFs Domestic |
 Sundaram Corporate Bond Fund Direct - Growth | ₹ 40.41 | ₹ 696.56 | 0.87% | 2.10% | 8.35% | 6.52% | 7.23% | 4 | 0.33% | Moderately Low | ₹ 250 | ₹ 5,000 | Debt | Corporate Bond Fund |
| Kotak Corporate Bond Fund Direct - Growth | ₹ 3,830.64 | ₹ 13,995.60 | 0.78% | 2.10% | 8.68% | 6.98% | 7.22% | 5 | 0.34% | Moderately Low | ₹ 100 | ₹ 100 | Debt | Corporate Bond Fund |
 SBI Corporate Bond Fund Direct - Growth | ₹ 15.52 | ₹ 20,897.00 | 0.76% | 2.06% | 8.51% | 6.75% | 7.22% | 4 | 0.34% | Moderately Low | ₹ 500 | ₹ 5,000 | Debt | Corporate Bond Fund |
| DSP Banking & PSU Debt Fund Direct - Growth | ₹ 24.28 | ₹ 3,114.61 | 0.93% | 1.89% | 8.43% | 6.76% | 7.21% | 5 | 0.32% | Moderately Low | ₹ 100 | ₹ 100 | Debt | Banking and PSU Fund |
 Aditya Birla Sun Life Floating Rate Fund Direct - Growth | ₹ 348.74 | ₹ 13,191.30 | 0.63% | 1.95% | 8.12% | 7.20% | 7.14% | 4 | 0.23% | Moderately Low | ₹ 1,000 | ₹ 1,000 | Debt | Floater Fund |
 Quantum Dynamic Bond Fund Direct - Growth | ₹ 21.26 | ₹ 133.56 | 1.60% | 2.37% | 9.07% | 7.73% | 7.11% | 4 | 0.51% | Moderately Low | ₹ 500 | ₹ 500 | Debt | Dynamic Bond |
| Nippon India Income Fund Direct - Growth | ₹ 98.15 | ₹ 416.69 | 1.27% | 2.43% | 9.01% | 7.80% | 7.10% | 5 | 0.67% | Moderately Low | ₹ 100 | ₹ 5,000 | Debt | Medium to Long Duration Fund |
| Nippon India Income Fund Direct Plan Growth Plan-bonus Option Bonus | ₹ 28.05 | ₹ 416.69 | 1.27% | 2.43% | 9.01% | 7.80% | 7.10% | 5 | 0.67% | Moderately Low | ₹ 0 | ₹ 5,000 | Debt | Medium to Long Duration Fund |
| Nippon India Gilt Securities Fund Direct - Growth | ₹ 42.15 | ₹ 2,139.95 | 1.57% | 2.48% | 9.39% | 7.52% | 7.06% | 5 | 0.50% | Moderately Low | ₹ 100 | ₹ 5,000 | Debt | Gilt Fund |
 Mirae Asset Short Duration Fund Direct - Growth | ₹ 16.24 | ₹ 347.45 | 0.80% | 2.26% | 8.73% | 6.94% | 7.03% | 3 | 0.25% | Moderately Low | ₹ 99 | ₹ 5,000 | Debt | Short Duration Fund |
| DSP Short Term Fund Direct - Growth | ₹ 49.23 | ₹ 2,792.14 | 0.71% | 2.05% | 8.42% | 6.72% | 7.02% | 4 | 0.34% | Moderately Low | ₹ 100 | ₹ 100 | Debt | Short Duration Fund |
 Franklin India Corporate Debt Fund Direct - Growth | ₹ 103.59 | ₹ 744.29 | 0.72% | 1.85% | 8.33% | 6.65% | 7.00% | 4 | 0.23% | Moderately Low | ₹ 500 | ₹ 10,000 | Debt | Corporate Bond Fund |
| ICICI Prudential Savings Fund Direct - Growth | ₹ 538.14 | ₹ 21,665.30 | 0.63% | 1.91% | 7.98% | 7.20% | 7.00% | 5 | 0.42% | Moderately Low | ₹ 100 | ₹ 100 | Debt | Low Duration Fund |
| Franklin India Banking & PSU Debt Fund Direct - Growth | ₹ 22.80 | ₹ 581.17 | 0.64% | 1.89% | 7.95% | 6.58% | 6.92% | 4 | 0.17% | Moderately Low | ₹ 500 | ₹ 5,000 | Debt | Banking and PSU Fund |
| Nippon India Low Duration Fund Direct - Growth | ₹ 3,875.08 | ₹ 7,204.56 | 0.63% | 1.94% | 8.03% | 6.98% | 6.90% | 5 | 0.38% | Moderately Low | ₹ 100 | ₹ 500 | Debt | Low Duration Fund |
| Nippon India Low Duration Fund - Direct Bonus Plan Bonus Option | ₹ 2,251.02 | ₹ 7,204.56 | 0.63% | 1.94% | 8.03% | 6.98% | 6.90% | 5 | 0.38% | Moderately Low | ₹ 0 | ₹ 500 | Debt | Low Duration Fund |
| Franklin India Floating Rate Fund Direct - Growth | ₹ 43.16 | ₹ 315.74 | 0.65% | 1.96% | 8.86% | 7.68% | 6.85% | 4 | 0.28% | Moderately Low | ₹ 500 | ₹ 1,000 | Debt | Floater Fund |
| HSBC Short Duration Fund Direct - Growth | ₹ 27.27 | ₹ 3,669.81 | 0.79% | 2.16% | 8.40% | 6.50% | 6.82% | 4 | 0.27% | Moderately Low | ₹ 1,000 | ₹ 5,000 | Debt | Short Duration Fund |
 Baroda BNP Paribas Corporate Bond Fund Direct - Growth | ₹ 28.31 | ₹ 200.42 | 0.73% | 2.01% | 8.50% | 6.43% | 6.80% | 3 | 0.20% | Moderately Low | ₹ 500 | ₹ 5,000 | Debt | Corporate Bond Fund |
 Canara Robeco Corporate Bond Fund Direct - Growth | ₹ 22.74 | ₹ 119.29 | 0.88% | 1.98% | 8.16% | 6.45% | 6.75% | 4 | 0.43% | Moderately Low | ₹ 1,000 | ₹ 5,000 | Debt | Corporate Bond Fund |
 Axis Treasury Advantage Fund Direct - Growth | ₹ 3,165.43 | ₹ 5,947.72 | 0.62% | 1.92% | 7.97% | 6.96% | 6.74% | 5 | 0.35% | Moderately Low | ₹ 1,000 | ₹ 5,000 | Debt | Low Duration Fund |
| Tata Gilt Securities Fund Direct - Growth | ₹ 85.38 | ₹ 1,072.11 | 1.67% | 2.58% | 9.15% | 7.89% | 6.71% | 4 | 0.29% | Moderately Low | ₹ 500 | ₹ 5,000 | Debt | Gilt Fund |
| Canara Robeco Short Duration Fund Direct - Growth | ₹ 27.00 | ₹ 335.40 | 0.73% | 2.07% | 8.02% | 6.42% | 6.69% | 4 | 0.43% | Moderately Low | ₹ 1,000 | ₹ 5,000 | Debt | Short Duration Fund |
Showing 50 of 50 results
Please Note:
- 1M, 3M and 1 Yr returns are Absolute. 3 Yr and 5 Yr returns are Annualized.
- Fund Rating is sourced from Morningstar.
- "Exp Ratio" is a short-form used for "Expense Ratio" - In simple terms it is a fee charged by the AMC for managing your money.
*The schemes mentioned above are just for research purpose and not recommendations. Please do your own due diligence before investing.
Frequently Asked Questions
Look at the fund’s allocation in debt and equity, ensuring a stable mix. Evaluate its 5-year performance, expense ratio, and consistency in returns. Choose funds with strong portfolios that match your financial objectives and comfort with risk.
These funds provide a balance between stability and returns. They aim to protect your capital while offering moderate growth, making them suitable for investors seeking steady gains without taking on significant market-related risks.
These funds diversify investments across stable assets like bonds and low-risk equities. They reduce exposure to market volatility, ensuring predictable returns, and are ideal for achieving medium-term financial goals or preserving wealth.
Risks are minimal but can include fluctuations due to interest rate changes or minor equity market movements. While safer than high-risk funds, returns might not meet expectations in periods of economic uncertainty or rising inflation.
These funds suit cautious investors aiming for consistent returns without high risk. They are ideal for retirees, conservative savers, or anyone seeking a secure way to grow their investments steadily over time.
On Dhan, identify funds offering stability with moderate growth. Look into their investment goals and consistency of returns. Initiate a SIP for systematic accumulation or choose a lump sum if that aligns with your budget and comfort level.
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