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Moderate Risk Mutual Funds
Here you get all mutual funds categorized as “Moderate Risk,” sorted by their highest returns over the last five years. Only the top 50 schemes are shown, helping you discover those that balance growth potential with a relatively steady risk level. This overview supports finding funds that may offer consistent results without extreme market exposure.
Funds with Moderate Risk & High Returns
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
 Sundaram Equity Savings Fund Direct - Growth | ₹ 77.94 | ₹ 1,032.94 | 1.89% | -0.06% | 11.44% | 12.52% | 17.29% | 5  | 0.77% | Moderate | ₹ 100 | ₹ 100 | Hybrid | Equity Savings |
 HSBC Equity Savings Fund Direct - Growth | ₹ 34.45 | ₹ 619.25 | 1.16% | -7.75% | 10.98% | 11.39% | 16.39% | 5 | 0.61% | Moderate | ₹ 500 | ₹ 5,000 | Hybrid | Equity Savings |
 UTI Equity Savings Fund Direct - Growth | ₹ 18.77 | ₹ 640.83 | 1.72% | 1.23% | 8.65% | 11.46% | 15.01% | 5 | 0.59% | Moderate | ₹ 500 | ₹ 5,000 | Hybrid | Equity Savings |
 Franklin India Equity Savings Fund Direct - Growth | ₹ 17.34 | ₹ 644.38 | 1.01% | 0.61% | 8.29% | 9.16% | 13.72% | 3 | 0.38% | Moderate | ₹ 500 | ₹ 5,000 | Hybrid | Equity Savings |
 Bank of India Conservative Hybrid Fund Direct - Growth | ₹ 35.17 | ₹ 63.54 | 1.65% | -0.85% | 4.29% | 13.65% | 13.59% | 5 | 1.10% | Moderate | ₹ 1,000 | ₹ 10,000 | Hybrid | Conservative Hybrid Fund |
 DSP Income Plus Arbitrage FoF Fund Direct - Growth | ₹ 21.98 | ₹ 54.52 | -1.81% | 2.35% | 8.34% | 8.42% | 12.34% | NA | 1.49% | Moderate | ₹ 100 | ₹ 100 | Other | FoFs Domestic |
| Sundaram Conservative Hybrid Fund Direct - Growth | ₹ 31.78 | ₹ 26.59 | 1.70% | 0.81% | 7.63% | 8.08% | 11.71% | 4 | 1.51% | Moderate | ₹ 250 | ₹ 5,000 | Hybrid | Conservative Hybrid Fund |
 Union Equity Savings Fund Direct - Growth | ₹ 16.89 | ₹ 131.19 | 2.18% | -0.30% | 6.36% | 7.94% | 11.25% | 3 | 1.43% | Moderate | ₹ 500 | ₹ 1,000 | Hybrid | Equity Savings |
| UTI Medium to Long Duration Fund Direct - Growth | ₹ 77.95 | ₹ 312.52 | 0.96% | 2.04% | 8.67% | 9.40% | 9.71% | 4 | 1.17% | Moderate | ₹ 500 | ₹ 500 | Debt | Medium to Long Duration Fund |
 Bandhan Conservative Hybrid Fund Direct - Growth | ₹ 34.68 | ₹ 112.72 | 1.91% | 1.44% | 8.66% | 7.30% | 9.55% | 3 | 0.99% | Moderate | ₹ 100 | ₹ 1,000 | Hybrid | Conservative Hybrid Fund |
| UTI Short Duration Fund Direct - Growth | ₹ 32.84 | ₹ 2,520.33 | 0.70% | 1.99% | 8.15% | 7.11% | 8.47% | 4 | 0.44% | Moderate | ₹ 500 | ₹ 500 | Debt | Short Duration Fund |
 Aditya Birla Sun Life Dynamic Bond Retail Fund Direct - Growth | ₹ 48.37 | ₹ 1,741.29 | 1.21% | 2.35% | 9.49% | 8.39% | 8.43% | 5 | 0.64% | Moderate | ₹ 1,000 | ₹ 1,000 | Debt | Dynamic Bond |
 ICICI Prudential All Seasons Bond Fund Direct - Growth | ₹ 38.88 | ₹ 14,048.70 | 1.06% | 2.42% | 9.40% | 8.15% | 8.21% | 5 | 0.59% | Moderate | ₹ 100 | ₹ 5,000 | Debt | Dynamic Bond |
| Aditya Birla Sun Life Short Term Direct Fund Direct - Growth | ₹ 50.07 | ₹ 8,738.13 | 0.76% | 2.11% | 8.68% | 7.34% | 8.16% | 5 | 0.38% | Moderate | ₹ 1,000 | ₹ 1,000 | Debt | Short Duration Fund |
| ICICI Prudential Short Term Fund Direct - Growth | ₹ 63.81 | ₹ 20,204.90 | 0.78% | 2.13% | 8.58% | 7.77% | 8.03% | 5 | 0.45% | Moderate | ₹ 1,000 | ₹ 5,000 | Debt | Short Duration Fund |
 Kotak Medium Term Fund Direct - Growth | ₹ 24.49 | ₹ 1,915.77 | 0.81% | 2.06% | 9.18% | 7.44% | 8.00% | 5 | 0.67% | Moderate | ₹ 100 | ₹ 100 | Debt | Medium Duration Fund |
 HDFC Dynamic Debt Fund Direct - Growth | ₹ 96.84 | ₹ 779.54 | 1.22% | 2.24% | 9.02% | 7.40% | 8.00% | 4 | 0.75% | Moderate | ₹ 100 | ₹ 100 | Debt | Dynamic Bond |
 BHARAT Bond FOF - April 2030 Fund Direct - Growth | ₹ 14.64 | ₹ 6,968.02 | 0.81% | 1.85% | 8.41% | 6.95% | 7.98% | NA | 0.06% | Moderate | ₹ 100 | ₹ 100 | Other | FoFs Domestic |
 Axis Corporate Bond Fund Direct - Growth | ₹ 17.54 | ₹ 5,968.70 | 0.80% | 2.16% | 8.71% | 7.19% | 7.98% | 5 | 0.32% | Moderate | ₹ 100 | ₹ 100 | Debt | Corporate Bond Fund |
| UTI Banking & PSU Fund Direct - Growth | ₹ 21.69 | ₹ 786.20 | 0.67% | 1.99% | 7.91% | 8.81% | 7.94% | 5 | 0.36% | Moderate | ₹ 500 | ₹ 500 | Debt | Banking and PSU Fund |
| ICICI Prudential Bond Fund Direct - Growth | ₹ 41.52 | ₹ 2,928.02 | 1.09% | 2.34% | 9.24% | 7.71% | 7.88% | 5 | 0.62% | Moderate | ₹ 1,000 | ₹ 5,000 | Debt | Medium to Long Duration Fund |
| Kotak Dynamic Bond Fund Direct - Growth | ₹ 39.90 | ₹ 2,952.86 | 1.38% | 2.15% | 9.15% | 7.50% | 7.85% | 5 | 0.58% | Moderate | ₹ 100 | ₹ 100 | Debt | Dynamic Bond |
| ICICI Prudential Gilt Fund Direct - Growth | ₹ 107.89 | ₹ 6,405.97 | 1.25% | 2.49% | 9.13% | 8.17% | 7.82% | 5 | 0.56% | Moderate | ₹ 1,000 | ₹ 5,000 | Debt | Gilt Fund |
| Edelweiss Government Securities Fund Direct - Growth | ₹ 25.66 | ₹ 171.16 | 1.49% | 2.39% | 9.19% | 7.45% | 7.78% | 5 | 0.51% | Moderate | ₹ 100 | ₹ 100 | Debt | Gilt Fund |
| HSBC Medium Duration Fund Direct - Growth | ₹ 21.67 | ₹ 656.63 | 0.97% | 2.42% | 9.11% | 7.20% | 7.77% | 4 | 0.39% | Moderate | ₹ 1,000 | ₹ 5,000 | Debt | Medium Duration Fund |
| Aditya Birla Sun Life Corporate Bond Fund Direct - Growth | ₹ 111.90 | ₹ 25,041.40 | 0.78% | 2.09% | 8.72% | 7.11% | 7.74% | 5 | 0.33% | Moderate | ₹ 100 | ₹ 100 | Debt | Corporate Bond Fund |
 SBI Magnum Income Fund Direct - Growth | ₹ 74.35 | ₹ 1,904.89 | 0.94% | 2.18% | 8.80% | 7.39% | 7.71% | 5 | 0.77% | Moderate | ₹ 500 | ₹ 5,000 | Debt | Medium to Long Duration Fund |
| Aditya Birla Sun Life Income Fund Direct - Growth | ₹ 132.40 | ₹ 2,221.24 | 1.25% | 2.24% | 8.81% | 6.60% | 7.70% | 4 | 0.74% | Moderate | ₹ 1,000 | ₹ 5,000 | Debt | Medium to Long Duration Fund |
| HDFC Short Term Debt Fund Direct - Growth | ₹ 32.15 | ₹ 14,068.90 | 0.73% | 2.04% | 8.53% | 7.07% | 7.62% | 5 | 0.40% | Moderate | ₹ 100 | ₹ 100 | Debt | Short Duration Fund |
| HDFC Corporate Bond Fund Direct - Growth | ₹ 32.37 | ₹ 31,898.00 | 0.74% | 1.97% | 8.61% | 6.97% | 7.60% | 5 | 0.36% | Moderate | ₹ 100 | ₹ 100 | Debt | Corporate Bond Fund |
| Axis Short Duration Fund Direct - Growth | ₹ 32.76 | ₹ 8,922.62 | 0.79% | 2.15% | 8.65% | 7.12% | 7.58% | 5 | 0.36% | Moderate | ₹ 1,000 | ₹ 5,000 | Debt | Short Duration Fund |
| Edelweiss Banking and PSU Debt Fund Direct - Growth | ₹ 24.82 | ₹ 261.78 | 0.77% | 2.03% | 8.30% | 6.59% | 7.57% | 4 | 0.39% | Moderate | ₹ 100 | ₹ 100 | Debt | Banking and PSU Fund |
 Nippon India Banking & PSU Debt Fund Direct - Growth | ₹ 20.94 | ₹ 5,629.45 | 0.80% | 2.04% | 8.22% | 6.72% | 7.51% | 5 | 0.38% | Moderate | ₹ 100 | ₹ 5,000 | Debt | Banking and PSU Fund |
| Nippon India Corporate Bond Fund Direct - Growth | ₹ 61.14 | ₹ 6,044.40 | 0.80% | 2.09% | 8.72% | 7.30% | 7.51% | 5 | 0.36% | Moderate | ₹ 100 | ₹ 1,000 | Debt | Corporate Bond Fund |
| Nippon India Corporate Bond Fund - Direct Growth Plan Bonus Option | ₹ 43.65 | ₹ 6,044.40 | 0.80% | 2.09% | 8.72% | 7.30% | 7.51% | 5 | 0.36% | Moderate | ₹ 0 | ₹ 5,000 | Debt | Corporate Bond Fund |
| Nippon India Short Term Fund Direct - Growth | ₹ 55.74 | ₹ 6,402.14 | 0.81% | 2.15% | 8.75% | 7.03% | 7.51% | 5 | 0.37% | Moderate | ₹ 100 | ₹ 100 | Debt | Short Duration Fund |
| SBI Magnum Gilt Fund Direct - Growth | ₹ 68.58 | ₹ 11,257.30 | 1.54% | 2.48% | 9.23% | 8.06% | 7.51% | 5 | 0.46% | Moderate | ₹ 500 | ₹ 5,000 | Debt | Gilt Fund |
| Axis Gilt Fund Direct - Growth | ₹ 26.69 | ₹ 918.09 | 1.67% | 2.53% | 9.92% | 7.64% | 7.46% | 5 | 0.40% | Moderate | ₹ 1,000 | ₹ 5,000 | Debt | Gilt Fund |
| Axis Dynamic Bond Fund Direct - Growth | ₹ 31.67 | ₹ 1,334.23 | 1.41% | 2.32% | 8.67% | 6.77% | 7.44% | 4 | 0.33% | Moderate | ₹ 1,000 | ₹ 5,000 | Debt | Dynamic Bond |
| Kotak Banking and PSU Debt Fund Direct - Growth | ₹ 66.28 | ₹ 5,797.34 | 0.75% | 1.99% | 8.33% | 6.94% | 7.43% | 5 | 0.39% | Moderate | ₹ 100 | ₹ 100 | Debt | Banking and PSU Fund |
| ICICI Prudential Retirement Fund - Pure Debt Plan Direct - Growth | ₹ 15.95 | ₹ 108.55 | 0.91% | 2.11% | 8.58% | 6.91% | 7.42% | NA | 1.28% | Moderate | ₹ 100 | ₹ 5,000 | Solution Oriented | Retirement Fund |
| ICICI Prudential Debt Management Fund (FOF) Direct - Growth | ₹ 45.57 | ₹ 111.65 | 0.88% | 2.16% | 8.54% | 7.47% | 7.40% | 5 | 0.92% | Moderate | ₹ 100 | ₹ 100 | Other | FoFs Domestic |
| Bandhan Government Securities Investment Plan Fund Direct - Growth | ₹ 37.54 | ₹ 3,569.95 | 1.91% | 2.40% | 9.20% | 7.20% | 7.40% | 4 | 0.52% | Moderate | ₹ 100 | ₹ 1,000 | Debt | Gilt Fund |
| Aditya Birla Sun Life Banking & PSU Debt Fund Direct - Growth | ₹ 370.26 | ₹ 9,593.85 | 0.76% | 1.99% | 8.29% | 6.81% | 7.40% | 5 | 0.39% | Moderate | ₹ 1,000 | ₹ 1,000 | Debt | Banking and PSU Fund |
| Nippon India Ultra Short Duration Fund Direct - Growth | ₹ 4,344.25 | ₹ 7,364.20 | 0.62% | 1.94% | 8.01% | 7.21% | 7.38% | 5 | 0.38% | Moderate | ₹ 100 | ₹ 100 | Debt | Ultra Short Duration Fund |
| HSBC Corporate Bond Fund Direct - Growth | ₹ 75.60 | ₹ 5,678.07 | 0.72% | 1.99% | 8.22% | 6.45% | 7.37% | 4 | 0.30% | Moderate | ₹ 1,000 | ₹ 5,000 | Debt | Corporate Bond Fund |
| Aditya Birla Sun Life Government Securities Fund Direct - Growth | ₹ 85.79 | ₹ 2,006.46 | 1.84% | 2.52% | 9.21% | 7.22% | 7.36% | 4 | 0.49% | Moderate | ₹ 1,000 | ₹ 1,000 | Debt | Gilt Fund |
| HDFC Floating Rate Debt Fund Direct - Growth | ₹ 49.65 | ₹ 14,969.20 | 0.66% | 2.02% | 8.53% | 7.41% | 7.35% | 5 | 0.26% | Moderate | ₹ 100 | ₹ 100 | Debt | Floater Fund |
| Aditya Birla Sun Life Debt Plus Arbitrage FOF Fund Direct - Growth | ₹ 38.76 | ₹ 10.61 | 1.53% | 2.40% | 8.98% | 6.84% | 7.34% | 4 | 0.48% | Moderate | ₹ 1,000 | ₹ 100 | Other | FoFs Domestic |
| SBI Dynamic Bond Fund Direct - Growth | ₹ 38.12 | ₹ 3,343.82 | 1.21% | 2.22% | 9.02% | 8.02% | 7.32% | 5 | 0.61% | Moderate | ₹ 500 | ₹ 5,000 | Debt | Dynamic Bond |
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 for funds that balance risk and return with a strong 5-year track record. Check the portfolio's allocation between equity and debt, expense ratio, and consistency of performance to match your financial goals and risk tolerance.
Moderate risk funds offer a balanced approach by investing in a mix of equities and fixed-income securities. They aim for better returns than conservative options while limiting exposure to extreme market fluctuations, ideal for steady wealth building.
These funds provide diversification across asset classes, offering stability and potential for higher returns. They are designed to handle market volatility better, making them suitable for achieving medium- to long-term financial goals with controlled risk.
Moderate risk funds can still face market volatility, especially in the equity portion of their portfolio. Returns may fluctuate during economic downturns or rising interest rates, though less severely than high-risk investments.
These funds are suitable for investors seeking a mix of stability and growth. They are ideal for those with a moderate risk appetite, looking for better returns than debt funds without taking on too much equity exposure.
Use Dhan to find funds that balance risk and return. Review their historical performance, objectives, and holdings. A SIP can help spread your investment over time, while a lump sum can be chosen for immediate market participation.
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